davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (VA)

In late XX/XX/XXXX, I mailed a XX/XX/XXXX mortgage payment using the XX/XX/XXXX coupon of my current mortgage servicing company, PHH Mortgage. After coming home from vacation, I found in my mail a second payment coupon for XX/XX/XXXX from another servicing company, XXXX XXXX. My servicing had been transferred. I did get a notice about this earlier, but missed the effective date of after XX/XX/XXXX, so I erroneously paid the first company because that was the only coupon I had at the time. My check to the first company ( PHH ) had not cleared by XX/XX/XXXX, so I was worried and called them. Their voice message said my account was transferred and I had to call the new company ( XXXX ), which I did, but the new servicer said they had not gotten anything from the old servicer ( PHH ) so I have to call the old servicer back. PHH 's customer service rep said they had no record of the payment. They said when they got the check they would either send the money to the XXXX or refund it to me. I just have to wait. This seems contradictory to their notice ( attached ) that says : " The last day PHH Mortgage will accept a payment from you is XX/XX/XXXX. '' I am worried when they will ever find my check in their system for my closed account if they say they haven't got it yet, since it's been a few weeks they sure should have gotten it by now. So I said how about if I put a stop payment on the check I wrote to them, and send a new check to XXXX for the XXXX payment. The PHH rep told me I am not allowed to stop the check and they will charge me a penalty for insufficient funds if I do that. They suggested I pay my mortgage twice -- the previous check to PHH plus write a new check to XXXX, then wait for PHH to process the first check. Or I could just wait until whenever PHH processes my check ( which they should have already gotten based on the dates, very worrisome ), to see if they pay XXXX the XX/XX/XXXX payment, or if they refund the money it to me. But I don't want to be late with the XXXX payment. So am I stuck paying double mortgage for XX/XX/XXXX? Do I have any other options to get this corrected? Thank you.
Consumer complaint received 2018-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (PA)

In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. 

I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2017 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (MS)

I got out of work last XXXX and got behind on the payments, I have since gone back to work and I am trying to get the loan caught up but they will not offer me any kind of assistance and have started to call me every 5 or 10 miuntes every day and have now started to harass my husband and family every few milnutes. its either XXXX or XXXX calling demanding a payment right then. I offered to let them know when I could get a payment in but was told I need to do it right now. Im really trying hard but I can do only so much and I do have other bills to pay also and trying to kwwp my house out of foreclosure.
Consumer complaint received 2016-10-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

I have been listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.
Consumer complaint received 2018-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

In XX/XX/XXXX I spoke with a representative from Sallie Mae regarding a missed payment and an account past due fee. I paid my past due amount during that call and the representative discussed repayment options with me. At that time I was on a graduated repayment schedule that from my understanding was a 15 year term at $ XXXX payment. During this particular call I was told about other repayment options but it was never discussed with me over the phone that changes made to my repayment plan would result in an extension of the loan to 27 years with XXXX additional years of interest only payments. On XX/XX/XXXX Sallie Mae sent information regarding those changes to my personal email account with the loan terms but I did not understand at the time that the changes were already in effect and how this would impact me financially. 

I have been under the assumption since XXXX ( when my loans became active ) that I was on a 15 year repayment schedule. I chose this schedule only because I was told that I didn't qualify for income based repayment and I could not afford the standard level monthly payments at the time. I was mislead into " consenting '' to an extended level repayment plan over the phone in XX/XX/XXXX. I would have never knowingly consented to a plan that resulted in 12 additional years of payments ( 27 years total ) and added interest. My loans are now owned by Navient and the information sent from Sallie Mae is no longer available for me to view. I spoke with XXXX today, a manager at Navient, and was told that if I change back to a standard level repayment plan it would now result in a monthly payment of {$1700.00} because of the accrued interest. The other option presented to me was to change to another plan that will result in 2 years of interest only payments all over again. Of note, I have worked in higher education since XXXX and was also told that I didn't qualify for public service loan forgiveness either because of the payment plan that I'm on. 

I attached a copy of my monthly statement. Since my loans are now managed by Navient I can no longer view past emails from Sallie Mae that described the repayment plan in question.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance.

XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills.

XX/XX/XXXX received collection notice for {$270.00}.

XX/XX/XXXX contacted Americollect to get original debtor information.

XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account.

XX/XX/XXXX pulled free credit report as we are looking for first home purchase.

XX/XX/XXXX Collection is still active.

XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid.

XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time.

XX/XX/XXXXcontacted XXXX XXXX  again told them to resubmit, verified with XXXX XXXX   and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX   who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number.

XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it.

To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ASG Solutions LLC (IN)

I received a voice mail from XXXX and XXXX and XXXX today within 3 hours and the messages indicate that they are after me and that the police will arrest me and to call now. That there are serious allegations against me. One Company listed was ASG.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (FL)

3 years ago Wells Fargo rep recommended to open a secure business credit card to bring up my credit scores, sold as credit repair. Wells Fargo used my {$1000.00}, what was converted to a standard credit card a year and a half later. The problem is just find it out, the business credit is not getting any credit ratings/scores at all. So it is not effecting my credit worthiness.3 years of use of the card for nothing.Finally I picked up on it, something is really wrong because my credit score was barely rising per year, using the card with $ XXXX/month auto pay, a lot more then the {$25.00} minimum payment would have been.Interestingly you can change everything on the WF website, after you log in in the manage accounts, like do transfers between accounts, but to change the amount of the MINIMUM monthly payment is not possible. Actually only Wells Fargo Rep can  change that for us, after you call them on the phone line! You can not adjust your own payments to a higher number, if you liked to! Regardless how the business card is on my name, beyond the name of the business, is used with my social security numbers, you wont get any credit points/ratings for the use of the card.This product is a fraud.First they used my own money for 18 months, and now XXXX   rep said they don't rate credit for business credit cards period.Only the personal accounts getting scored.I asked WF rep on the phone who rates it, and he had no answer for me. Well no one is the right answer.So why Wells Fargo selling the idea first place for the credit repair? It is not repairing a thing.They have secured and other person cash for 18 months for free use .Just like a new saving account for them.They play the market with with my founds for their own benefit. Why not the in house rep advised me correctly to get a personal line of credit card for the promised credit repair? Everyone blames everyone. We to costumers are getting taken for a ride with offer of a fraudulent product/service. If I close this card now it will effect my scores. We are screwed both ways on this deal.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

On XX/XX/XXXX I spoke with a representative by the name of XXXX whom was a supervisor in the fraud department. I informed XXXX I had been a recent victim of identity theft and that I was checking the status of a particular account that was in dispute. The account in question was listed as XXXX XXXX. I advised XXXX that this information was inaccurate, and that I was told XXXX XXXX is no longer in business. I asked XXXX how could this information have been verified as of XX/XX/XXXX if XXXX XXXX no longer owned the debt. XXXX went on to explain that the account was verified due to a statement containing my name and address. This is totally unacceptable an not 100 % accuracy for validation.
Consumer complaint received 2018-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CO)

I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.

Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am on the phone with Equifax. After providing them with the correct information and other important information about myself on unsecured phone lines Equifax refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. Equifax must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. Equifax also refuses to provide me with my correct and current Credit Report and Credit Score. Equifax has put me on hold for more then 10 minutes and just returned to the line. Equifax still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that Equifax lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to Equifax and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!