davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (WA)

I have contacted the company multiple times to have the escrow payment adjusted to the correct amount. I have been told to email the escrow department which I have with no response. I have been hung up on, argued with and told that I could not talk with a supervisor. ( by XXXX on XX/XX/2017 at XXXX ). I have also been told there is no phone number for escrow and I would have to write a letter. This is not the only issue I 've had. Statebridge bought the loan from a prior servicer and did n't have the hazard insurance information follow the loan. I spent months trying to sort that out. I did not sell the loan and I am not an employee of theirs, there is no reason I should be spending time and money chasing things down for them. Loan # XXXX
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

I submitted my paperwork two months ago to be re-certified for the REPAYE program. I 'm set to go into repayment in XXXX, and FED LOAN Servicing has still not told me what my new payment will be. When I submitted an inquiry through their website, I was given a template response indicating that my monthly payment would be over {$2000.00}. This almost more than I take home in a month, and I work in public service.
Consumer complaint received 2017-03-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (MA)

On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX
Consumer complaint received 2023-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (SC)

I have been incorrectly over-charged for my student loans almost every month since starting payments in XXXX. I call Sallie Mae every month to complain. After calling in XXXX due to being double-charged, one customer service representative hung up on me in, so I called back and they refunded me {$350.00} on XX/XX/2023 for overpayment. On XX/XX/2023 I received a phone call that I owed {$89.00}. I made the payment over the phone and asked the CSR to be 100 % sure that I was up to date with payments and I didnt owe anything until my next payment was due, to which he assured me I was even score with them on payments until XXXX payment was due. On XX/XX/2023 I was charged {$530.00} for my student loans. The monthly payment is supposed to be around {$330.00}. I do not have extra money to throw around every month and wait for a refund because of their poor payment practices ; and I cant mentally, and financially handle this issue monthly for the next 12 years. If legal action is what it takes, then so be it.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (NC)

****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SD)

I had a XXXX XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, XXXX and Equifax.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AL)

On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate, damaging credit information after their " verification '' for a furnisher that appears to be incapable of reporting accurate complete and true information.This unconscionable behavior is illegal according to the FCRA and carries statutory damages that Experian must pay.In addition the FCRA allows and suggests that when a furnisher is habitually error prone, Experian is allowed to block the furnisher and in so doing protects Experian from liability for false inaccurate reporting.Attached are XXXX bureaus reporting within last 3 weeks, all are inconsistent with each other.Experian reports a collection in XXXX 2012 while the other XXXX bureaus report that the case was closed in XXXX of 2012. 
The XXXX XXXX ... ACCOUNT ON MY EXPERIAN seems incapable and unwilling to report correct complete and accurate information to Experian that is required by law to report ... ... SO THE FCRA directive IS REPORT ACCURATELY OR DO NOT REPORT AT ALL AND PAY XXXX DOLLARS FOR EACH PROVEN INCIDENT OF DISOBEDIENCE TO FCRA TO THE PERSON REPORTED ON.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (FL)

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BUREAU INC ACC # XXXX This account was reported to the consumerfinance.gov as a fraud account with a previous XXXX XXXX # XXXX it was removed from my credit report As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX I am requesting those documents as fallow 1-need a copy of your license to collect in my state ; and 2-Provide me with your license numbers and Registered Agent. 
3-investigation report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I experienced financial hardship and was unable to make my credit card payments for 5 months. Recently, the credit card issuer sent me an e-mail to make a minimum payment of {$240.00} to bring my account out of delinquency. The e-mail states that I can regain use of the card. The credit card company placed a restriction on the card and refuses to honor their e-mail. The credit limit is {$800.00}. The balance was {$990.00} and I was required to pay {$240.00}. My available credit would only be {$53.00}. I contacted their office and spoke with a supervisor who mentioned that they will continue to review my account but it will remain restricted. I mentioned the email and she just stated they will review my account. Before my financial hardship, I continuously made my credit card payments on time each month. I would like Capitalone to honor the e-mail sent and remove the restriction on my account plus any negative reporting to credit bureaus since they knew about this hardship. They can view my account history and offer a forgiveness plan based on my continuous prompt payments over a period of 5 years.
Consumer complaint received 2017-03-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (FL)

I have been trying to get a loan modification from Freedom Mortgage since XX/XX/XXXX and have been getting conflicting information and they constantly ask for the same documents. They did deny the modification and I appealed on XX/XX/XXXX but I have not received any written communication on the status of the appeal. They are still however asking me for the same documents. My spouse is not a co-borrower but they told me they need his financial information and then they told me I did not need to and now again they want the information.
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I am not getting updates, file requirements/needs or accurate disclosures. I feel as if there is file discussions going on while I am not being informed timely or being informed of what I need to prove or show to get a clear to close. The last email from the credit union that was not prompted by me requesting a status update was XXXX XXXX and today is XXXX/XXXX/17. XXXX If I need a certain figure in my checking account maintained for a certain period I need to know this. My payment is still estimated over what it should be and I have no clue how anything is going with my file.
Consumer complaint received 2017-02-02
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VA)

XXXX USES WESTERN UNION TO TRANSFER CASH TO FOREIGN COUNTRIES. There are n't any signs displaying the Western Union charges of {$9.00}. XXXX charges {$10.00} instead of the correct price of {$9.00}. Please insure that XXXX charges the correct amount of {$9.00} for money transfers by Western Union and that it displays Western Union signs displaying the correct prices as soon as possible. The address of this XXXX location is:XXXX XXXX XXXX , XXXX , VA XXXX.
Consumer complaint received 2017-02-17
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: BBVA FINANCIAL CORPORATION (AL)

I had a BBVA Compass clearspend debit card. My debit card was hacked on XX/XX/XXXX we 're by someone was trying to charge funds to my card I reported this to BBVA Compass and they said they 're going to send me another card on the XX/XX/XXXX. I talked to them again and they explain to me what happened someone had evidently copied my card from what they supposedly said I swiped it at a pump, but I do n't remember swiping it at a pump. She said that the charges were coming out of XXXX. I called BBVA Compass again on Monday and they told me that my account had been closed and that they were not going to activate the new card that I have received from them. By this time I am a week without money. I went to a nearby Compass bank and ask them what they just release my funds to me and get so that I can have my money. I 'm they call someone in an office who said she was doing some expedited function which did n't really get me anywhere. I called them back on Wednesday and talk to someone and she said that account was closed and that she could do an expedited function and have me a check mail I asked her why when the person who said they were giving doing an expedited function on Monday did n't say anything about mailing me my money Monday in a check. She said she did not know. After talking to them I remember it that this may be the account that I set up to receive my tax refund on so now I am going to be without that money because they decided to close my account.
Consumer complaint received 2017-02-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (AZ)

I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.