davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (FL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I recently received my statement of activity regarding my Escrow Account from LoanCare. There were some interesting transactions so I called the customer service number provided on the statement for assistance. Once again, the customer service is terrible. The representative was unable to answer my questions or refer me to someone who could answer my questions. Based on my experience, this seems to be a trend with LoanCare. Here are my questions : For the month of XXXX, an escrow payment occurred in the amount of {$1200.00} described as FHA monthly transaction. This amount seems greater than a typical monthly amount. I would like to learn the detail and purpose of this transaction. Please provide me the contact information for FHA. 

For the month of XXXX, there were two escrow payment transactions in the amount of {$41.00} each described as FHA monthly transaction. I'm assuming this was because the XXXX FHA monthly transaction was missed according to the statement. Why was the XXXX monthly payment not submitted timely? 

For the month of XXXX, there is a transfer balance in the amount of {$230.00}? Where did the transfer balance go? An explanation was not provided.
Consumer complaint received 2023-07-25
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. (TN)

I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

I got a new credit card. On this card I get XXXX charge at a XXXX station in TN. On the date it posted, I was no where close to that state. I then sent my dispute on this credit card to Chase. After 3 months, they inform me that my dispute is denied because they said that a person had the credit card physically there and used it. I have several people that can testify that I was no where near that state on that date. What do i do about them still trying to charge me?
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Duncan Solutions, lnc. (MI)

A collection agency emailed my sister about a toll. Exposing my information and the debt owed. I do not have a strong relationship with her and shocked that they can just casually send debts to random people without confirming identity. I highlighted the email address that it was sent to. Not my email at all and Ive never used it before.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XXXX to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (OH)

I received medical services from XXXX XXXX XXXX on XX/XX/XXXX of XXXX. Claim was submitted to my Insurance Company, XXXX XXXX XXXX. XXXX issued electronic payment on XX/XX/XXXX. Transaction ID : XXXX. 

This bill was paid 7 days after services were rendered. At some point in time last fall, I began receiving phone calls from an 888 number. I never answer the phone from such numbers if I don't recognize them. They have called me nearly every day since last fall. 

Tonight, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating that I had a debt of XXXX. I called their phone # and the representative gave me a " Client Services '' #. I called it and got a voice mail stating that the next available representative would call me. They never called. I called them back and left a second message. No call. 

I have contacted XXXX and they are sending me the EOB statement that verifies this transaction which shows the claim was paid in full.
Consumer complaint received 2015-04-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

During the beginning of 2021 I lost my job due to it closing because of covid restrictions. My bank account was already in the low hundreds. Before I knew it bills and other unknown transactions were automatically coming out of my account. I called them and tried to have these transactions blocked but they said there was nothing they could do. My account was suddenly overdraft and i was charged a fee of XXXX dollars. I tried over and over again to have all transaction blocked but kept getting told the same thing. Over a period of a month they charged me over XXXX dollars in overdraft fees! No one on there customer service team would help me. Later i received a letter in the mail saying i owe them over XXXX dollars and if its not paid they will report my account to checks systems or something. The only reason my account was overdrawn the way it was is because they refused to close my account or block transactions from coming out. Return item fees, overdraft fees! its basically stealing! All I wanted was all the overdraft fees and return item fees refunded after speaking to customer service multiple times no one would help me. I was basically talked down to and threatened. This was with BB & T Bank. Also known as Trusit. I also cant get into my account to get documents because they locked me out!
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a returning customer to Capital One. I received a pre approved offer which I accepted. The web site would not allow me to sign in and when I contacted Capital Onbe after one hour on the phone with " XXXX '' I was promised an email from them which I would then be able to send back verification info ( drivers liscence ). Email did not arrive, My credit rating has been reduce due to the hard inquiry and I do not have the promised credit card,
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (IN)

On XX/XX/XXXX there was a transaction of {$75.00} which there was enough money to cover the amount. I have been charged an exorbitant amount of overdraft fees. I can't seem to reason with PNC. This account has been extremely problematic. They go out of their way to charge extra fees. I feel that this is predatory activity. The bank is basing the insane amount overdraft fees on the wrong transaction and did not provide a reasonable amount of time to resolve it. This seems impossible to bring current they are now charging even more fees. It's a bottomless pit and I need help. This is ruining my business. I have tried so many times to reason with the bank. They have been extremely rude and unwilling to help. They have also promised call backs which I have yet to receive.
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC (MS)

This is my second complaint on this company, and also my final. My previous complaint stated how I was taken control of without being knowledgeable of the event at hand but Preferred Credit chose to overlook my issue and instead " verify the debt. '' I NEVER once stated the debt did not belong to me, CLEARLY!

Because this is the route Preferred Credit chose to go, I will be reporting them to the SEC, along with sending a CIVIL COVER SHEET for collecting MULTIPLE tender of payment on a PAID BOND using my signature.

As stated in the previous letter, Preferred Credit has " security interest '' in my product. Please provide me with proof of the security interest in the rainbow cleaning system along wit the FACT the contract was NOT paid in full and you were able to collect tender of payment from me. Last but not least, I am requesting as stated in the " PREPAYMENT '' section of the letter that anything that was due to me, was given to me.
Consumer complaint received 2016-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I purchased my residence in XXXX. My first mortgage was with XXXX and the second mortgage was with XXXX as well. XXXX purchased the HELOC from XXXX XXXX XXXX, who had purchased it from XXXX. I then fell behind on the payments to my HELOC in XX/XX/XXXX or XX/XX/XXXX. Specialized Loan Servicing , LLC, who was servicing the loan on behalf of XXXX sent a me a pre-approved package for a loan modification dated XXXX XXXX, XXXX. The instructions stated that if I agreed with the terms, I should sign and mail in the agreement along with a payment. I signed the XX/XX/XXXX agreement on XXXX/XXXX/XXXX and sent in to SLS along with a cashier 's check for XXXX. Thereafter I noticed a vague term in paragraph XXXX of the agreement. I then contacted SLS about the vague term ( no indication of what will happen after 17 years, what the balloon payment would be at the end, amount of payment, etc ). SLS told me that they would send an updated agreement. SLS followed up by sending me a letter dated XXXX/XXXX/XXXX with an updated paragraph XXXX and then followed up with a revised agreement. I was making payments as per the terms of the first agreement I signed. I waited for my loan modification to be processed but I received no word from SLS. I contacted SLS XX/XX/XXXX regarding the status of my loan modification. They had no word still. On XX/XX/XXXX I received another pre-approved HELOC loan mod agreement asking me to sign and send back with payment. I again contacted SLS and they told me that if I sign this new agreement, it would supersede the agreement I had already signed and all the payments I had been making would apply to this new agreement and that I would not have to send in a new check. So I signed the enclosed acknowledgment and sent it back to SLS. Even after this, I heard nothing back from SLS regarding my loan modification. I have called SLS more than 150 times regarding my loan mod. They do n't know what has happened to my loan modification even though I have been making payments as they asked. 
Again in or about XXXX SLS sent yet another loan mod agreement ( proposal ) which does n't reduce the principal or the payments. When I contacted SLS they told me that they no longer have a loan modification program to offer me even though I signed and sent back the agreement and made payments on the agreement. Now I am facing the real possibility of a foreclosure.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP (FL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (SC)

The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.
Consumer complaint received 2015-04-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: American Capital Enterprises, Inc. (CA)

XXXX XXXX needs Calls and Harassment to Stop. She also wants a Stay of Medical Bills debt collections and or Negative Credit Reporting. The Billing Company named America Capital keeps calling me and or contacting me for Medical Bill payment even after I have asked her to stop contacting me. The XXXX 's Representative name is XXXX. Their phone number is XXXX. The harassment has been on going for nearly a year. I am afraid to answer phone and or be sued without notice or relief. I received assistance with communication through XXXX XXXX with American Capital.He can be reached at XXXX. 

I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

A few years ago, Nelnet and the department of education started sending me emails for someone named XXXX. I am not XXXX. It is clear, even from my email address that I am not XXXX. I have contacted Nelnet and XXXX MANY times to fix this. On the last occasion, they FINALLY responded to say that I needed to prove to them I am not XXXX. Essentially, they want me to do THEIR job of finding the error they made when entering data. I have an account number for this person from Nelnet that I can prove does not match my own. Today, I received an email saying XXXX has missed several payments. I am very concerned that this person is now getting poor credit scores due to Nelnets negligence. If they are sending me this persons notifications, they could be sending my information to someone else. Frankly, this is terrifying that a government agency has our information wrong in their database. The idea that someone else may have my emails or is getting my personal information has me on edge. I will give them another month before I contact a lawyer.
Consumer complaint received 2018-06-27
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: EQUIFAX, INC. (GA)

I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

The most important thing I want people to realize it that XXXX tacked on approximately XXXX onto my loans because i got back on loans. Then my loan was transferred to pioneer then navient. So my complaint goes back a long time, then my Grandparents who cosigned, but never got so many calls are now being preyed on!!! This is the lowest form of preying, they are in their XXXX XXXX and always in the hospital. I asked them to please stop because i moved from XXXX to XXXX to be with them they were depressed lonely and XXXX alone. I got a job and was able to get payments going but now that i moved back to XXXX because my Dad now is taking care of them and i am still looking for work. Please we just need some financial patience from this multi XXXX XXXX juggernaut who is preying on us a small little loving family who is going through tough times. Please help. Thank you. Stay strong and keep Loving.
Consumer complaint received 2019-10-15
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: Experian Information Solutions Inc. (NY)

You guys can't get this right my report is still inaccurate you are to update the status of all accounts to sold charge off because the status of the account is sold and charged off you are update all payment status to sold charge off because the account is sold not in collections HOW CAN A CREDITOR REPORT YOU IN COLLECTIONS WHEN HE SOLD THE ACCOUNT MY NEXT STEP IS TO SUE EXPERIAN
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Community Health Investment Company, LLC. (TX)

I agreed to pay PASI Collection agency a set amount for 12 months. 
I gave the agency my banking information. the amount was to be debited from my checking account beginning XXXX XXXX, 2016. 
PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.
Consumer complaint received 2019-10-15
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: Experian Information Solutions Inc. (FL)

I sent two certified letters to Experian on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX, XXXX XXXX   and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and Experian has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. Experian has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to Experian that these accounts are mine. According to the Fair Credit Reporting Act, if Experian can not provide proof of the debt to me, it must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (VA)

I have disputed a reporting issue with a debt collector Real Time Solutions. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XXXX they bought the debt in XXXX and havent updated the file on XXXX   since XXXX. The Lien on the house was released in XXXX and they bought an unsecured debt in XXXX. They are reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to Real Time Solutions. I have also notified XXXX several times to no avail. They will only let Real Time Solutions change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with Real Time Solutions and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. Real Time Solutions is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty