davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2021. I submitted a re-investigation request for two of my credit accounts. These accounts are factually inaccurate and by law can not be reported! today is XX/XX/2021. I will provide the account numbers below : # XXXX # XXXX This complaint is in regards to trans union llc, the credit bureau.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EZCORP, INC. (TX)

XX/XX/XXXX of 2014 from EZ payday loan. I never took out a loan with them in 2014. I wasn't even living in the place that say I was living at.
Consumer complaint received 2023-08-15
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

This complaint is regarding a closed Amex blue cash everyday credit card. I was mislead twice by Amex online chat agent and it caused the loss of one of my longest credit history. 

My card was closed by Amex without noticing me in XX/XX/2020. The reason for closing was inactivity, the account had XXXX balance. I found this out within a few weeks while checking my credit reports and contacted Amex via online chat on this issue. The chat agent told me if I call Amex within 1 year of closure I can get my account and credit history back. I contact Amex a second time via line chat and they told me the same 1 year rule. I called Amex in early XXXX, and the call agent notified me they can not reopen my account and I had to call within 90 days to reinstate my account. I was mislead twice by Amex online chat agent about their company policy and that lead to loss of my credit history on this account. This shows mismanagement and an inability to serve customers in the most basic tasks.
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't  begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX   program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school. 
Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

BAC has charged me a fee for a " retuned check ''. I've tried to check my BAC online payment activity from which the attempted payment was made. Each time I go to the " payment activity '' button in my account I'm locked out of the info. I called BAC customer service and XXXX was glad to accept my telephone payment but a fee like that was hard to reverse. The transaction was an ACH and not a returned check. When I said I couldn't get into the payment activity screen she said to call technical service. I called them today and they said I had to talk to customer service to find out why I'm locked out. 
BAC sent me a letter saying they had closed my account but XXXX said no, it's open.
Consumer complaint received 2019-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX, I executed a promissory note in the original principal amount of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dollars ( {$180000.00} ) to purchase my homestead. The current holder of the said promissory note is OCWEN Loan Servicing, LLC to whom I am making monthly payments. I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually OCWEN Loan Servicing called on XX/XX/XXXX, that my monthly payments went higher than when was originated. I, along with my husband, who is now XXXX, have been attempted to modify our loan through OCWEN Loan Servicing and I will attach soon communication evidences in between us and OCWEN Loan Servicing. On XX/XX/XXXX, OCWEN Loan Servicing sent Opportunity for Appeal and I responded on XX/XX/XXXX as the Opportunity for Appeal for Loan Modification. On XX/XX/XXXX, OCWEN Loan Servicing responded that application is currently COMPLETE, as of XX/XX/XXXX, they were not requiring any additional documents from us. While OCWEN seemingly trying to modify my loan, at the same time, OCWEN Loan Servicing are trying to foreclose on my property. I wish to return to my home but OCWEN Loan Servicing were continuously threatened us to foreclose my home and my family left for fear with OCWEN Loan Servicing 's Agents were trespassing into my house by intimidation, while simultaneously working with my mortgage modification ( called " dual tracking '' ) to allow myself to avail the Federal Affordable Loan Modification, but OCWEN Loan Servicing continuously sending notice to foreclose us. We were terrified and worried as they forced us to leave. It is my assertion that OCWEN Loan Servicing have not dealt with us ; as borrowers in good faith.
Consumer complaint received 2019-02-10
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. (FL)

I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX  # XXXX with the credit bureau several times, the last time was in XXXX  of 2018/XXXX  of 2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.
Consumer complaint received 2021-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My bank sent an automatic payment to the XXXX address on XX/XX/XXXX. Although you received it you returned it to me uncashed in XXXX Specialized counted it as a late payment and charged me a late fee. 
In late XXXX, I spoke with your customer service agent XXXX # XXXX and she agreed to drop the late fee of approximately {$45.00} in exchange for immediate payment, which I made that day. 
When the same late fee showed up on the next statement, I called and spoke with XXXX, who confirmed that XXXX had dropped the late fee but the system failed to record it and promised to drop it. 
Since then, I have been receiving statements that include late fees of varying amounts. Just one payment was late and thats the one both XXXX and XXXX agreed to waive. 
In XXXX, my bank sent an automatic payment of {$1000.00} short a legitimate {$3.00} increase for escrowed taxes. When I realized it, I combined the shortage with the most recent version of the late fee and sent a separate, clearly annotated check to pay {$52.00} to make up for the escrow increase and to pay the late fee I was told I dont owe so it would stop spiraling. 
Since XXXX, Specialized has included late fee charges of {$44.00}, {$41.00}, {$42.00} and {$41.00} in statements, when only one payment was late and that fee was waived twice by your staff. And I sent at least {$45.00} in the {$52.00} check to cover that spiral. The check was cashed on XX/XX/XXXX, see attached. 
I want a refund not a credit. And I want my statement to reflect the accurate monthly payment.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OH)

The week of XX/XX/XXXX midland management was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me ups packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.
Consumer complaint received 2019-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian 's dispute process for uploading documentation to the Experian dispute website does NOT work, i have tried unsucessfully for 3 days. the agents on the phone are no help whatsover. ive mailed the documenation with no success either. 

this is unfair to the consumer.
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc. (GA)

Under Fair Credit Reporting Act section 611 ( 15 USC 16811 ) I am allowed to ask that disputes be removed. Mortgage companies deny loans and disputes put on there in error can be removed. I have tried for 3 months to get Experian to remove disputes made in error - each time I call, write, fax, a new dispute is opened which hurts me more. 

Each time I am told they will handle it they open yet another dispute ( see attached ). 
it is a cycle and it just adds to the problem. 

XXXX had no issue with doing this and took the comments off the report. 

Experian continues to send my inquiries by telephone or letter or fax to the dispute center and open yet another dispute. 

( see attached )
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc. (OK)

XX/XX/2021 I called DIVERSIFIED ADJ SVC at XXXX around XXXX My call was to settle a debt that I did not know I owed. 

The person I spoke to verified my information and pulled up my collection. 
I told them I wanted to settle with a pay to delete agreement. 
That's when this guy got loud, hateful and wouldn't let me talk. 
He kept repeating that I will not receive anything from them that has my balance or an agreement to pay to delete. They will only take full payment today without anything stating I owe the debt. Then he starts calling me a liar and saying I am, in his words " XXXX XXXX XXXX '' then hangs up on me after I cut him off from this very aggressive conversation that he turned it into and said " how am I XXXX XXXX XXXX, I didn't even know I had this debt '' he hung up on me. 

I called back and spoke to another person who refused to let me talk and then started asking for my attorney information. I disconnected the call at that moment. 

I was simply trying to pay a debt with an agreement in some type of writing with my balance I owe ( not paid ) and that when it is paid the debt will either be removed or updated with a XXXX balance. 

Debt collectors like this makes it hard for people to get out of debt. They only want to bully us and when they don't get their way the get rude and hang up.
Consumer complaint received 2022-09-05
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

On XX/XX/XXXX before our Forbearance ends up on XXXX XXXX. We applied for Partial Claim which of the benefits of FHA Mortgage, since according to FHA Guidelines, we are qualified because we are only 30 days Past Due. The last payment we made was XX/XX/XXXX which covers our XXXX. Our Forbearance was started on XX/XX/XXXX and supposedly end up last XXXX XXXX and they offer us another 1 month extension. According to Ms XXXX from Amerihome dtd XX/XX/XXXX i might not be qualified because we are Current. From FHA Mortgage its cleared that if borrowers are current or 30 days past due we are entitled to apply for Partial Claim. And all of the sudden they sent letters : - 1st Disapproved us for Partial Claim dtd XX/XX/XXXX letter - 2nd Disappoved us for Disaster Modification dtd XX/XX/XXXX letter - 3rd Disapproved us again for Payment Plan thru Phone with XXXX XXXX dtd XX/XX/XXXX Today I spoke with Ms XXXX ID # XXXX, I begged her to review our Payment History, she said we were past due for 152 days according on her system which they include 1st day of Forbearance XX/XX/XXXX. And I said to Ms XXXX Past due should be srarting on XX/XX/XXXX because they still received my pymnt on XX/XX/XXXX for our XXXX ... so we are only past due for 30 days. And she reviewed it and XXXX said, I am right. 


Please help us to save our home and they want us to apply for Loan Modification which it was cleared that we can avail Partial Claim, please help us, this servicing bank are always giving us a hard time since than. It look like they not trying to help us, they are trying to take our home thru foreclosure, because if we will apply for loan modification they will deny us again, because we got our Loan Modification last year on XX/XX/XXXX which they buried us for a high interest of 4.625 %. They are not treating us fair. A very cleared discrimination. Instead of helping or offers us a better programs tgey denied us 3x in a row XX/XX/XXXX to save our home after COVID, look like they are very interested to get our home. And the comoany where my brother used to work waS temporary Covid Issues and just recently reopened this month if XXXX thru XXXX. 

Please help us, we need someone that will protect us from U fair treatment by serving mortgage company. 


Thank you XXXX ( XXXX ) XXXX ( authorized person-sibling ) For The Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (DE)

We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!! 

Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.! 

We try to contact them since XX/XX/2019, without success.! 

Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).! 

We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.! 

The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.
Consumer complaint received 2022-08-28
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: CMRE Financial Services, Inc. (GA)

in accordance with the Fair credit Reporting act XXXX XXXX ACCOUNT # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CT)

Debt from XXXX  showing amount owed of XXXX dollars. Debt collection company calls every hour requesting payment also has account from XXXX for XXXX dollars I currently have a XXXX account paid to date. Debts are not mine or we forgiven by company while on XXXX XXXX under XXXX XXXX XXXX XXXX.