davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

The Pentagon Federal Credit Union Foundation aka Pentagon Federal Credit or PenFed Credit Union is reporting inaccurate, erroneous, misleading information on my consumer reports which is defaming my character and keeping me from accessing new capital. 

They have reported late payments they refuse to remove from my consumer reports. Even though they updated my account to show the account is not past due. They also failed to remove late payment charges and fees totaling {$120.00} from the account. 

I sent them a second billing error dispute letter that they ignored. PenFed is continuing to willfully and intentionally adversely affect my consumer reports. I am demanding the CFPB intervene and require they fix these billing errors.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I was checking my credit card account online when I noticed that there was Interest charges on my XXXX statement. I usually paid my credit card on staggered basis but make sure that I fully paid the amount due before the due date. In this particular case the XXXX statement which is due on XX/XX/XXXX they said that I was short of XXXX so they charged Interest of XXXX. Again the due date of all the statements are always the XXXX of the following month and payments after the XXXX should be applied to the next statement. In my case I have a payment of XXXX on XX/XX/XXXX & still they applied it to XXXX statement resulting an over payment of XXXX ( this amount includes payments on other dates XXXX. I spoke to certain XXXX & certain Supervisor of XXXX on XX/XX/2019 explaining that underpayment of XXXX is a result of applying the payment on the wrong period & requested to waive the interest charge but they told me that the interest charge is valid & they can not do anything about it.
Consumer complaint received 2019-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TN)

Quicken Loans Violates Escrow Agreement. 

The escrow agreement includes specific provisions for payments into escrow and disbursements from escrow. Insurance was fully paid for calendar year XX/XX/XXXXduring closing in XX/XX/XXXX. A disbursement of {$1000.00} to the insurance company is scheduled to occur in XX/XX/XXXX for calendar year XX/XX/XXXXcoverage. The cost of the homeowners insurance and the cost of taxes has not changed for the property since closing in XX/XX/XXXX. In XX/XX/XXXX Quicken Loans violated the signed escrow agreement by disbursing {$720.00} to XXXX XXXX without our knowledge or approval. Quicken Loans now states that an escrow analysis indicates a projected shortage and therefore payments into escrow must increase. Insurance and taxes are the only two elements in escrow. Since these elements have not changed, there is no basis for changing the payments into escrow. We have committed to making a lump sum payment in XX/XX/XXXX if an escrow analysis at that time indicates a shortage in the escrow account. The Quicken Loans escrow management personnel refuses to work with us to resolve issues relating to their violation of the escrow agreement.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (TX)

I XXXX XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges. 
I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

My name is XXXX XXXX XXXX XXXX and my SSN in XXXX. I moved from XXXX XXXX, TX to XXXX, TX in XX/XX/XXXX. I got apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and I signed up electric with XXXX. In XX/XX/XXXX, I bought home located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XX/XX/XXXX I bought a home located at XXXX XXXX XXXX XXXX , XXXX, TX XXXX. Because apartment is for 6 month term, in XX/XX/XXXX, I called XXXX to advise them that we had to cancel electric at apartment since lease was over and we already moved to home. I paid all bills and I advised XXXX customer representative that my forwarding address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never received bills from XXXX and later on when check my credit score and apply for mortgage, it showed that I had collection account with XXXX. I mailed to XXXX and XXXX to let them know that I never received any bills, collections from them and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. If there is left over bill, they need to send to correct address so I can review and pay. If they sent to wrong address or my old apartment 's address, of course it will not be delivered to me. XXXX said they already removed it from my credit report and now XXXX continued to transfer it to Mercantile Adjustment Bureau. I disputed all fees and collections with Mercantile Adjustment Bureau since they did not send mail to my correct address and I was never notified bills nor collections. Please remove all fees, collections and history on my credit report. If there's final bill, please send to my address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as I already advised XXXX XXXX in XX/XX/XXXX, in mail with XXXX, XXXX and now Mercantile Adjustment Bureau multiple times later on. I will more than happy to send payment to XXXX if it's true left over bill with my old apartment that I was never notified about it before. 

Thank you so much for your help, XXXX XXXX
Consumer complaint received 2019-06-30
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: Experian Information Solutions Inc. (NV)

My personal information has been leaked several times now, Experian AND XXXX  HAVE A RESPONSIBILITY TO PROTECT PERSONAL INFORMATION. MY CREEIT CARD AMOUNTS HAVE INCREASED IN THE PAST AND MY REPORT WAS NOT AFFECTED OR IT ONLY DROPPED A COUPLE POINTS ... .TODAY I LOOK AND MY XXXX CREDIT REPORT DROPPED OVER 40 XXXX POINTS! I want my credit rating restored to 700 and for Experian to no longer have access to my personal information. These credit ripoff agencies are causing monetary damages and more. I'm going to contact a lawyer.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NM)

I am XXXX XXXX I bank with Wells Fargo out of XXXX New Mexico. I recevied a check from XXXX XXXX on Monday XX/XX/2019. I called the company that the check came from and they advised me it was a good check. i then called the bank the check was written off of. The banker advised me that it was an open account, I deposited the check on XX/XX/2019 into the atm at Wells Fargo. When the atm printed out the recite it said the founds would be aviable on XX/XX/XXXX XXXX I called Wells Fargo XXXX, The amount was not avalible in my account. The transaction had been processed tho. i talked to a representitive they told me the money was posted and then withdrew from my account because there was a stop payment on it. They told me there was nothing they could help me do about this stop payment. i could contact the maker of the check. 
I was in a class action lawsuit. When I recieved the 1099 Settlement check the teller at Wells Fargo asked me how much was the check for. I told her thats what i am trying to find out. They would not deposite the check into my account until i found out how much the 1099 settlement check was for. i contacted my attorney and spoke with the parilegal. I was advised to get ahold of the Defendent in my class action lawsuit. I advise the parilegal that would be conflict of intrest, The Paralegal said well i will call the Defendets lawyer. When i had called my attorneys office back i talk to the paralegal and i was advised to go ahead and deposite the check, i went to the atm on XX/XX/2019 because the bank had already closed for the day. when the atm read the check it was for XXXX i recieved the recite from the atm. The recite said deposit will be avalible on XX/XX/2019. When i checked my online banking it said the amount had been posted and then the bank took it out of my account. i called the XXXX number multipule times to find out what was going on about this check, I was question about the amount about this check, i would tell the representitive that this was from a class action lawsuit and it is confidental. i told them that i had documentation from the courts and my attorney about how much the check was for. They told me they did not want to see the documentation, My account now has been closed because of both of these transactions. I believe that Wells Fargo did not make my funds availible for me when the recite said i would have money avalible to me. There is more information about my account i can proved you with. If you need any documentation let me know and i will send them to you email or by mail. 
My contact information : XXXX XXXX XXXX XXXX XXXX XXXX New Mexico XXXX ( XXXX ) XXXX XXXX Thank You XXXX XXXX
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I submitted a application to  Round Point mortgage  requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to  the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as possible.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.
Consumer complaint received 2017-05-30
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. (AL)

XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I received my credit report and saw that a company called XXXX XXXX was collecting a debt from me for medical services at XXXX XXXX XXXX XXXX. The date of service was in XX/XX/XXXX. I paid payments to XXXX XXXX XXXX over a period of 6-12 months. XXXX XXXX refuse to remove the debt since it was already paid, however in XX/XX/XXXX we can to an agreement and it was remove XX/XX/XXXX by all three bureaus .Now XX/XX/XXXX its back reporting on XXXX XXXX for XXXX dollars more than the original amount of XXXX dollars. It is now being reported by Wakefield and Associates for XXXX XXXX. XXXX was collecting for XXXX XXXX XXXX. Each time this debt is remove, paid or debt with another company takes it over and devastates my credit yet again. I have requested Wakefield and associates to send proof and valadiate this debt which should have been done prior to sharing a collection with the credit reporting agencies, XXXX is disputing this debt how ever they have all the documents of when it was remove and allowed another collector to put it on my credit report. This needs to be remove and the company debt with for illegal deft practice.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1 Agreement with your client that grants you the authority to collect on this alleged debt. 

2 Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3 Any insurance claims been made by any creditor regarding this account. 

4 Any Judgments obtained by any creditor regarding this account.

5 Name and address of alleged creditor.

6 Name on file of alleged debtor.

7 Alleged account number.

8 Address on file for alleged debtor.

9 Amount of alleged debt.

10 Date this alleged debt became payable.

11 Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13 Complete accounting of alleged debt.

14 Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.