davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.
Consumer complaint received 2017-02-03
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (CT)

Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.
Consumer complaint received 2017-03-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NV)

Hello! 
Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( XX/XX/XXXX ) was not so, They took out more interest {$170.00} vs {$140.00} going to principal, last correct payment ( XX/XX/XXXX ) was {$160.00} going to principal and {$150.00} going to interest. Now after payment was electronically withdraw from my account on XX/XX/XXXX I made {$100.00} principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past XX/XX/XXXX.
Consumer complaint received 2016-08-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

A loan modification request XXXX HAMP was requested and submitted over XXXX year ago with all supporting documentation. My XXXX request showed sufficient income to not only qualify under HAMP program, but to repay my mortgage and start making mortgage payments. In XX/XX/2016, the lender OCWEN wrote a letter advising that the modification was being denied due to insufficient income. However, the income noted on the XXXX shows a surplus every month. The letter although authored o XX/XX/2016 did not get mailed till XX/XX/2016 a month later, without sufficient time to appeal the decision. An incorrect decision was made regarding this loan modification request on my primary residence since HAMP should have been awarded.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (ME)

My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NY)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-11
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. (GA)

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

Continuation of complaint XXXX that was n't further processed. 

CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. 

Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.
Consumer complaint received 2016-12-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: iFreedom Direct Corporation (FL)

On XXXX XXXX XXXX I sent two Mortgage Payments of {$820.00} to the Loan Originator and then soon to be servicer and owner of my Promissory Note and associated Contract ( s ) to the Company of which I am hereby complaining about, iFreedom Direct Corporation. Those payments were both sent pursuant to the Final Closing Disclosures issued by the Loan Officer, XXXX XXXX by Certified Return Receipt Requested US Mail Article # XXXX. Those payments were received by the company on XXXX/XXXX/XXXX. On that date I received a call from the Company, XXXX, wherein the company attempted to explain to me that they did not want the payments. I replied by stating they were discussed with my loan officer [ see attached emails ] prior to my executing the agreements and I was assured the two monthly payments { for XXXX & XXXX XXXX } would make it to the chosen loan servicer. On XXXX/XXXX/XXXX I received a statement and bill from XXXX indicating that the two previously remitted payments had NOT been surrendered to that servicer as was promised and as law dictates they should have been. I sent a payment that day for the XXXX XXXX payment ( so indicated on that personal check and on the enclosure ) by Certified Return Receipt Requested US Mail [ Art. # XXXX ]. On Saturday XXXX/XXXX/XXXX I attempted to phone CENLAR in an attempt to reconcile my records and payments with their real-time ledger on my account, I was unsuccessful but was able to get an automated service which indicated that " there was action on my account on XXXX/XXXX/XXXX. I need to know what happened to my personal checks? Were they remitted and forwarded to the Servicer? Are Credit ( s ) going to issue for my XXXX and XXXX Payments? Has the most recent check been applied to the XXXX XXXX statement? Any insinuation that I must have sent a payment or payments to a then unknown servicer is absolutely rediculous. The Loan Officer was made fully aware that I was paying the note in advance and each were executed before closing the loan.
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assurance Professionals LLC (MS)

After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc. (NJ)

I have received, at a minimum, XXXX ( XXXX ) telephone calls from a company identified on my telephone " Caller ID '', as " ARS National Se '', from telephone number XXXX. They ask to speak to a " XXXX XXXX XXXX '', a name similar to mine. I have told them on at least three ( 3 ) occasions that they have the wrong number and the wrong person, and I have asked them to stop calling me. They still persist in calling. 

The calls recorded on my caller ID are as follows ; 1 ) XXXX/XXXX/2016 at XXXX 2 ) XXXX/XXXX/2016 at XXXX 3 ) XXXX/XXXX/2016 at XXXX 4 ) XXXX/XXXX/2016 at XXXX 5 ) XXXX/XXXX/2016 at XXXX Each time the caller stated that the conversation was being recorded. I told them on tape, if they did tape it, that I was not the person they named, and this was not his phone number, and to please take my number off their calling list. They have not complied. 

I am interested in pursuing taking actions against the person/organization responsible for all of the calls.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

I learned that at M & T Bank, lost debit cards are not replaced with a temporary while waiting for a permanent card by mail. This could take a week or longer and in the meantime, there is no access to funds held in the account except by ATM ( for which there is a withdrawal limit ) or withdrawing funds through a bank teller but only during hours of operation. 

How is this legal?
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}
Consumer complaint received 2015-06-14
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (NC)

I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees