davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

On XX/XX/XXXX-18 my agent submitted an offer and all documents to Ditech for the short sale. She has continually been asking about postponing the foreclosure sale date, but Ditech keeps saying they are missing documents even though my agent has sent them in repeatedly. when she called in today she was told they couldn't review the offer until they had a postponement of the sale date, which is THIS FRIDAY!
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

The debt collectors have called me multiple times over several months attempting to collect a debt that is not mine. My phone number is incorrectly associated with the person who owes the debt. When I call, some of the collectors will tell me the name of the person who they are trying to reach and some will lie and say they can not tell me due to the privacy act and that I have to tell them who I am first. These harassing calls continue every time the debt is sold, just because my phone number is erroneously associated with this persons debt. Most recently, a collector denied me the ability to speak with a supervisor about the issue after calling me while I was at work.
Consumer complaint received 2019-01-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Utah System of Higher Education (NM)

This morning I received a call from XXXX of the Utah Higher Education Assistance Authority -- a collection agency contracted by the state of Utah. He contacted my employer for garnishment on A LOAN THAT NEVER EXISTED. 

He had my name wrong, my SSN wrong, said I attended XXXX XXXX University ( never did ), that I owed {$250000.00} ( never took out a loan ), and that Ive been in default since 2007. All wrong. Since I didnt cooperate by giving him my true information he said he was issuing a garnishment order on my pay. He was belligerent and didn't care that all his information about me was wrong. 

I called another person at his agency, who confirmed that he does work there ( UHEAA ). She said he violated several company rules. Then I spoke to a person from XXXX XXXX XXXX who said these companies use scare tactics to get money from people who don't owe and that it's becoming a national epidemic. 

Please investigate the Utah Higher Education Assistance Authority, as " XXXX 's '' tactics amount to coercive fraud.
Consumer complaint received 2019-08-20
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. (MS)

I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). 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.
Consumer complaint received 2019-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Good day! 

My HELOC lender, PNC bank has some MAJOR issues. Payments are not being recorded properly nor applied to principal in a proper, industry standard manner. Rather, the bank and it's systems are flawed and creating erroneous entries while I, the consumer am left to sort through it. I just tried to get a balance as of XX/XX/XXXX almost 2 full weeks ago and the bank is unable to provide that to me. I made multiple payments to my HELOC to pay 1 ) the P & I due for XX/XX/XXXX ( auto debit ) as well as two Principal payments ( $ XXXX & $ XXXX ). Yet the balance was still not reflected some week+ later. 

How can a bank not be able to tell me the principal balance due? Further, they created multiple ( 3 to be precise ) monthly charges of XXXX. This is the same amount that was auto-debited for the monthly payment. 

I find it out of control that a bank, in XXXX can not have proper systems in place. This makes me call ALL transactions into question. Th veracity of PNC data has me questioning their ability to accurately reflect financial transactions. Why should a consumer feel that way? Even their online system is paltry for XXXX. Transfers within the bank do not show in realtime! If I Were a regulator I would be very concerned with this
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo underwriter mismanaged our loan. error from origination. I have all the documents pertaining to this not answering to this problem they created. In XX/XX/2021 we refinanced with them, they had it appraised, I have it on paper part of the property was not secured in the loan. Wells Fargo was not paying the proper taxes. Because of their mismanagement I had to send them a check for over XXXX or our mortgage payment would go up over XXXX a month. I paid them but our mortgage payment still went up over XXXX. They are in denial and will not take responsibility. This has been going on now for months.
Consumer complaint received 2023-10-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (VA)

Repeated phone calls after I have asked them to stop calling. Mass spaming of email as you can see in the attached screenshot. I have recorded the ohone calls and me asking them to stop calling as well and they still do.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have paid this debt directly to the hospital. I never had an agreement/contract with CMRE, yet they are reporting my minor son 's bill on my credit report. Attached is the receipt of me paying the hospital. I do not have an account with CMRE, nor have I ever had an account with them.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been a customer of Navient for the life of my student loans. Over the years I have had many small challenges with the company, but more recently ( as my debts have been paid off more aggressively ), have encountered serious oversights from the loan service. Most of the time, I just let it pass, but this time is different. Like everyone repaying their loans, I have a monthly amount that I have been paying over the course of my loans. This amount is deducted on the XX/XX/XXXX of every month. Around 3 months ago, I got a message from Navient informing me that " If you make an Overpayment on some or all of your loans, you may advance your next payment due date, which can cause a future Auto Pay payment to be processed as an Overpayment. '' This is a great option for some people, but not an option I wanted on my loans. I went into my account and found that they had automatically selected that if I make an overpayment ( which I have been doing every month ), they would push my next autopayment to the next month. Seeing this, I selected a new allocation method wherein my autopayment would NOT be pushed to the next month if I made a payment and I would be billed for my full autopayment every month, despite the extra amounts I paid on my account. Today, the day in which my monthly autopayment is supposed to be processed ( XX/XX/XXXX ), I see that they have pushed my autopayment to next month ( XX/XX/XXXX ), against my direction and wishes. I have attached 2 screenshots in which you can see my autopayment history on the 1XX/XX/XXXX, but the next autopayment is indicated as coming up on XX/XX/XXXX ... completely skipping over my XXXX autopayment. I see this as a way to keep me hooked onto my loans longer, paying more interest, and pushing me to pay longer. If I weren't actively involved at looking at my loans on a bi-weekly basis, I wouldn't have caught this move from Navient.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have contacted XXXX XXXX several times about this matter, XXXX is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but XXXX had not done that at all.Not happy with the XXXX XXXX company
Consumer complaint received 2022-08-17
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, XXXX, and Transunion. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (UT)

XX/XX/2021 Contacted NetCredit XXXX at XXXX and was placed on hold for 20 minutes and disconnected. 
XX/XX/2021 sent an email at XXXX and received an No Reply response.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

I received an email on XXXX indicating my credit card through Comenity Bank would be closed on XXXX. The email indicated I could use the card anytime before XXXX and a single purchase would keep the account open. On XXXX I received a message in the credit card portal indicating my account had been closed, three days before it was to be. I attempted to contact customer service, and I got to a supervisor named XXXX. She indicated that my account was coded requiring me to consent to a credit check to keep my account open. She stated that the account had been suspended, so even if I tried to use the card before XXXX as indicated in their email communication I would not have been able to. If I attempted to use the credit card it would not have been accepted and I would have been advised to call Comenity Bank at which point they would have told me I had to consent to a credit check. No communication from Comenity Bank indicated I had to consent to a credit check for an open account in good standing. Their communications with me, via customer service, was that I should have had until XXXX to use the credit card. Their response is I should have called when I received the email on XXXX so they could have told me that I needed to consent to a credit check.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

Chase is acting with gross negligence and incompetence regarding a financial matter. At issue is an authorization form that was submitted on XX/XX/XXXXwhich clearly states that authorized 3rd parties are able to discuss the loan and have documents delivered to them regarding the loan. The last sentence requests a pay off however the authorization form itself is not limited to just pay off information. Somehow through gross incompetence on behalf of Chase their legal department only read the last line and actually put in the system to only discuss payoff which is grossly inaccurate.

On XX/XX/XXXX 3rd party spoke to a very rude individual named XXXX XXXX who represented himself as being an escalation manager. When it was requested he pull the authorization form to read it to see it was not limited to just a pay off, he refused to do so. He then attempted to lie on the phone conversation as to the nature of 3rd party repeatedly. Please ensure XXXX XXXX is removed from my file as I don't want people who refuse to open docs and lie on the phone to be touching my file. This is unacceptable. We need to get the lock box code to get access to the property that Chase has put on through property preservation.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (WI)

On XXXX XXXX I called RFGI about a letter in the mail to collect debt for XXXX  XXXX XXXX and now XXXX XXXX XXXX, XXXX for {$2300.00} for claim from XXXX XXXX. The representative told me I could only talk to her by giving her my SSN or DOB and would hang up if I didnt. After giving my DOB, she laughed at me saying because of HIPAA she can see my full SSN, DOB, and email address. Then said she can see where my insurance company denied the full amount for XXXX XXXX XXXX and the statement of claim they sent me. When I asked for all this to be sent to my house she only sent a letter that looks like it was made on XXXX word for a service on XXXX XXXX. I got the letter on Saturday XXXX XXXX and no copy of the statement of claims she said she saw was included. I called my insurance company on XXXX XXXX and they said they have my statement of claim that shows they covered it and that I am only to be billed {$710.00}. The RFGI representative lied to me about having a copy of a statement of claim from my insurance denying coverage to get me to pay the full amount. 
This item was suppose to be only the amount covered by insurance and no cost to the patient. XXXX XXXX XXXX is now out of business and XXXX XXXX XXXX bought out patient information. Now they want the money I was never suppose to owe.
Consumer complaint received 2018-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After checking my profile this summer on XXXX XXXX ( XXXX ) I noticed that my credit card with a {$24000.00} limit from Bank of America opened on XX/XX/XXXX was closed. I contacted them to inquire why it was closed, because the reason listed on the site under Remarks is " Account closed by consumer '' -- -I DID NO SUCH THING either verbally or in writing. I was told by the representative when I contacted them was that is was closed " due to non usage '' and added that it could be re-opened by applying a second time which would be a hard check on my credit, dinging my score which has steadily dropped from well over 750 to low 700s as I've paid off various accounts and balances. What I DID do was have the balance transferred in XXXX/XX/XX/XXXX to a XXXX Personal Loan because the Bank of America credit card interest rate was too high and at XXXX, I was able to get a better rate in order to pay the balance off faster. Yes, I did stop using my credit card to reign in my spending, improve my financial standing and score and pay off my debt. What I didn't expect was this financial institution to cause me financial harm by closing a card with the credit limit that I earned without my expressed written or verbal consent. I contacted the credit bureaus to dispute the closing and have received results that are not favorable, so I decided to reach out to the CFPB to see if you all might be able to help. I'd like to make a major purchase in the coming year and will be unable to do so without demonstrating that I am responsible with money. Thank you for any help.
Consumer complaint received 2019-01-15
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. (NJ)

On XX/XX/XXXX, I filed a dispute with Trans Union in reference to XXXX. I did part of it online and because I had to gather up and make copies ofsome many documents, ( 45 in total ). I spoke with one of the reps over the phone and said that I will be mailing documents in reference to XXXX because they had inaccurate information. On XX/XX/XXXX, I managed to get all my documents together, made additional copies, numbered the pages, provided enclosures before mailing them from the post office from XXXX XXXX XXXX, XXXX XXXX NY because that was the closest place at an XXXX  's office that I work on Thursday from XXXX to XXXX as an independent XXXX. I mailed it to the correct address : Trans Union Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX My file number for this dispute is : XXXX The customer rep claimed that they closed this dispute on XX/XX/XXXX. They should have received this dispute by Saturday, XX/XX/XXXX. 
Originally, the investigation was to end on XX/XX/XXXX. I provided my documents within enough time for them to review them. However, the inaccurate in regards to XXXX still remains on my Trans Union credit report.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, XXXX, and trans union regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.