davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

This is the Second complaint on Elan Financial.This is a terrible company. 

ELAN Financial is engaged in " Reward Points '' fraud. Elan Financial did not allow me to use XXXX  " Reward Points '' for {$25.00} credit to balance today XX/XX/2020. One person says one thing and another person says another thing. Constant fraud to not give my rightful " Reward Points ''
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: IMC Capital, LLC (WI)

Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft.
Consumer complaint received 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Rhode Island Student Loan Authority (RI)

The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Delinquent account — 
Company: Financial Credit Service, Inc. (TN)

I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 I sent a wire transfer of {$3400.00}. dollars from my bank XXXX XXXX XXXX XXXX in New York to a Bank of AmericaI account in XXXX XXXX Texas. I was lead to believe by sending the money, to a legitimate Bank of America account, I was safe from fraud. Sending the money meant, I was basically signing a lease agreement for the apartment. I received the banking account information from the person I believed I was renting the apartment from. I was not informed by my bank that wire transfers were not protected from fraud nor did I think that someone could have a fake account with an actual bank in the USA. The person on the receiving  end used stolen information to illegally make a bank account with Bank of America in order to receive funds, which I didnt know was possible considering all the identification checks they do when opening an account. By the time I was supposed to move in to the apartment, a month had already gone by. When I realized I was scammed I filed a police report and the police indicated that the funds had already been withdrawn and the account was closed. Bank of America claims they are not liable to refund me my money. And my bank, XXXX XXXX XXXX XXXX is not doing much to help me get my money back. I was scammed and robbed of {$3400.00} dollars, which is fraud and a federal offense. Due to the circumstances of COVID-19 red flags werent raised when I did not meet this person face to face.
Consumer complaint received 2016-11-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (OK)

I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Debt Mediation, Inc. (VA)

Someone from Professional Debt Mediation ( PDM : XXXX ) has called me twice now, wanting to verify the last XXXX digits of my SSN.They had the correct numbers, but would n't tell me what the " concerning matter '' was they were calling about till I verified it, which I obviously refused to do. I do n't have any standing debt except with my bank and student loans, so there 's no reason for them to be calling me. They also contacted my father trying to verify my information. I feel threatened and concerned they have my personal information.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keynote Consulting, Inc. (TX)

I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (TX)

I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close. 
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

I have been working with Coldwell Banker ( PHH ) for the past 12 months after my divorce in an attempt to lower my mortgage. they have been less than cooperative, demanding the same documentation over and over again, claiming non-reciept on every occasion. they refuse to cooperate and are unwilling to negotiate. It is a never ending cycle of noncooperation on their part. After months of frustration with Coldwell Banker I asked for assistance from XXXX XXXX XXXX development corporation to get a resolution for my case. I have been working with XXXX XXXX XXXX who can been reach at XXXX for the past 12 months. Even with his assistance I still receive the same response from Coldwell Bankers ( PHH ). Missing documentation letters or letters asking for the Home Assistance Packet to be filled out again? Meanwhile the amount that i owe keeps rising and Coldwell Bankers ( PHH ) also keeps tacking on huge late fee, which have been accrued due to them not coming to a decision on how to assist me.
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.
Consumer complaint received 2016-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has confirmed my investor is not XXXX, f/k/a XXXX ( is Trustee only ) however was vague as who is my actual investor on my mortgage Trust XXXX Mortgage Pass Through Certificates, Series XXXX is the owner of the account letter went on to say loan ownership status may change from time to time? please clarify SPS has been servicing loan since XX/XX/XXXX and should know who the current investor is as of XX/XX/XXXX. 
As the investor is whom denied my KYHC because it was over XXXX by less than XXXX XXXX dollars. 
I am sure SPS with removing some servicing fees would have met the XXXX limit to except Keep Your Home California. 
I have a right to know whom the 1. investor is as of XXXX XXXX XXXX copy of all assignments to make sure SEC guidelines were met XX/XX/XXXX-to XX/XX/XXXX. 
3. A complete breakdown of all transactions including insurance, fees, legal cost, and copy of mailing/shipping receipt I have been charged on my account
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.
Consumer complaint received 2017-01-30
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. 
I want the {$20.00} " fee '' returned.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (WA)

In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I have been paying my mortgage bi-weekly with payments coming right from my checking account. 

They continually keep putting payments to the principle and it causes my mortgage payment to show late on their website. So, I have had to deal with late fees which they said would be reversed but haven't. I have been going around and around with them since last year. 

Since XXXX, I have really been trying to get this resolved. I contact them through email because I have hearing issues and I like to have everything documented. 

I have a years worth of payment history from my bank and their website and all emails sent and received as proof. I have sent them everything but it's the same thing over and over. And, every payment made by my back clearly states what is to go to payment and what is extra to principal. 

This what their website is showing and why my mortgage is running 9 days late now! 

XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$180.00} XX/XX/2020 Mortgage Payment {$1200.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$720.00}