davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

We were denied a loan modification due to NPV. XXXX stated that a computer generated or BPO appraised our home value at {$630000.00}. However, due to the distress of the property, we obtained a state certified appraisal at a value of {$450000.00}. We spoke to a representative during a recorded conversation of the following : 1 ) a certified appraisal would take precedence over a BPO, and would positively impact our ability to qualify for a loan modification. 
2 ) do to not make any attempt to resolve financial reinstatement until the appraisal could be reviewed, although the auction date had been set for XX/XX/19. 
3 ) we were told we had up until at least the day before the auction to financially secure reinstatement, and to wait for the appraisal to be reviewed before sending money as the representative felt the certified appraisal would warrant further qualification, yet the mortgage company would continue to " dual track '' the process. 
4 ) we were assured follow-up, but have received no information. 
5 ) return phone calls were promised, and non have been received, even after leaving several messages, sending several emails and faxes. 
6 ) erroneous extensions were provided causing our phone calls to be rerouted through an automated system and the dropping the call. 

The actions demonstrated by XXXX and PHH are indicative of an attempt to 1 ) dual track the loan modification process 2 ) manipulate response delays by providing inaccurate statements that, due to missing information, no action could be taken 3 ) provide false statements, for example we were told that an appraisal would be completed to dispute XXXX computer generated property value ; however, the appraisal was completed as a BPO, and not a certified appraisal. 

In lieu of the overwhelming circumstances, including the significant lack of XXXX and PHHs competence to conduct appropriate due diligence in the handling of our account, we would respectfully request that the foreclosure date be temporarily suspended until all measures are properly addressed and all pertinent information and data has received a comprehensive evaluation. 

The blatant mishandling of our loan modification application, including the erroneous and misrepresented statements by XXXX and PHHs representatives handling the process, should warrant an oversight to review the process and misrepresented conduct surrounding our application.
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

NelNet refuses to properly apply my principal reduction payments on my student loan. Every month I make payments beyond the minimum payment due, and generally pay ahead by at least three months. 

On XX/XX/XXXX, I was paid ahead until XX/XX/XXXX. I made a {$1000.00} payment and checked the " do not advance due date '' box. My understanding was that the {$1000.00} would go directly to principal. 

On XX/XX/XXXX, I made another {$600.00} payment. I again checked the " do not advance due date '' box. 

On XX/XX/XXXX, I logged into my account online, and saw that, of the {$1000.00} XX/XX/XXXX payment, {$150.00} was applied to interest rather than principal and, for the {$600.00} XX/XX/XXXX payment, the entire amount was applied to interest with XXXX going to principal. Again, at the time of the payments I was paid ahead by five months. 

On XX/XX/XXXX, I spoke to two NelNet representatives - a customer services representative and a supervisor named XXXX. The representative informed me that NelNet does not allow principal only payments, even when a person is paid ahead. I questioned the legality of that practice and asked to speak to a supervisor. The supervisor XXXX confirmed that NelNet does not allow principal only payments, even when a person is paid ahead. 

NelNet 's refusal to properly apply my principal reduction payments obviously benefits them as they charge more interest. Over the last twenty years, I have taken out car loans, mortgages, and other student loans -- I have never before been refused the right to make principal only payments when I am paid ahead of my monthly installment payments. I find NelNet 's conduct particularly egregious given that the company services federal student loans, which are purportedly in existence to help finance the education of Americans who, like me, otherwise could not have afforded the cost of tuition and who have struggled for years to pay off student loans.
Consumer complaint received 2022-10-13
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (KS)

checking my credit report and a new collection was on my report that I shouldn't have because my insurance paid all my hospital and medical bills. the collection agency is called ONLINE INFORMATION SERVICES, this company is a fraud company when I looked it up and said I owe {$190.00} to a company called XXXX XXXX TX XXXX please remove this from my credit report.
Consumer complaint received 2023-03-18
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-18
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-03-18
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. (SC)

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX SXXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MA)

I opened a checking account with M & T Bank online on XX/XX/2019. One of the main reasons that I opened this account is because I received a targeted advertisement on the M & T website about a new checking account promotional offer in which the bank would give me a {$150.00} cash bonus after meeting certain requirements. I read through the requirements of the offer and the terms and conditions and decided to open this checking account based on what I read about the offer. I completed the requirements to receive this promotional offer, which included having a minimum {$500.00} direct deposit, which posted to my account on XX/XX/2019. The terms stated that I would receive the bonus within 90 days after the direct deposit posted. I initially reached out to M & T Bank on XX/XX/XXXX because I hadn't seen the bonus post yet. I was told at that time by a customer service representative that, while I did have the promotion linked to my account, the bonus was not eligible in my geographical area, even though I received the advertisement online and there were ZERO geographic restrictions presented in the terms of the promotion, which I thoroughly read through when I opened the account. I responded to M & T with this information and they then said that I should see the bonus post within 90 days after my direct deposit. I waited 90 days and reached out to M & T again on XX/XX/XXXX when the cash bonus still hadn't been applied to my account. I was again told that I'm not eligible for this offer because of my location, but, again, there were no location restrictions in the terms and conditions of this offer.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit score dropped 38 points with XXXX on XX/XX/XXXX and 44 points with Transunion on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum 580 to get a mortgage loan but now they are back at the 540 and 550 levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I contracted to make a purchase through XXXX. The purchase was made with the understanding I would have the product by a certain to which the supplier agreed to. 
Three weeks after the agreed on delivery I still did not have the product. I contacted the supplier and told them I was cancelling the order and requesting charge backs on the credit cards used. Four weeks after the date I cancelled the order XXXX XXXX  show up with the delivery. The delivery was refused, returned to the shipper and I thought the matter was settled. The bank has documentation that the order was cancelled prior to receipt of the order and documentation that it was returned to the shipper However for some reason Bank of America is refusing to acknowledge the charge back. They are claiming that the charge was valid and is due based on lies that the shipper has given them I want this charge removed
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

IQ DATA OPENED XX/XX/2019 {$4500.00} I HAVE CONTACTED IQ DATA SEVERAL TIMES FOR VALIDATION OF THIS DEBT AS IT DOES NOT BELONG TO ME AND IT'S BEEN A YEAR AND I HAVE STILL NOT RECEIVED ANY VALIDATION REGARDING THIS ACCOUNT. THE CREDIT BUREAUS XXXX, XXXX  AND XXXX  CONTINUE TO VALIDATE BUT I CAN'T GET ANY VALIDATION FROM IQ DATA!
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

The Fedloan Servicing ( U.S. Department of Education ) is providing consumer misinformation which warrants investigation. I have called this department almost every week to attain information regarding the status of my Income Driven Repayment Plan. On the last week of XXXX, I spoke with XXXX ( XXXX ) who indicated that I had the option of not paying the XX/XX/2019 amount of {$540.00} because my forbearance ( {$5.00} ) had been approved and I should be receiving it soon. It was received on XX/XX/2019 stating the forbearance had been approve, but dated for XX/XX/2019 to XX/XX/2019. This forbearance was supposed to cover XX/XX/2019, but now I am getting different information. Today, XX/XX/2019, I was told that the {$540.00} was still due and that they ( XXXX and XXXX ) work Id numbers ( XXXX and XXXX ) respectively did not understand why XXXX would tell me that this payment wouldn't be due. If you listen to the recording, it would confirm and support everything I have stated. An investigation is urgently warranted. This could be impacting thousands of borrowers. I was disregarding and told they were sorry, but the payment still had to be paid. There is illegal activity and the consumer does not know if the information being received is accurate. The public service forgiveness representative indicated there was missing information when there was none. Another confirm that information stated missing was not missing such as the end date. I am still employed which is indicated. This is outrageous. I was not provided the information until much later and had to resubmit the form which is now requiring a longer processing time.
Consumer complaint received 2023-03-18
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. (TX)

I called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I purchased 3 moneygram from CVS in XXXX, virginia. However, I didn't use it and was able to cash 2 of the moneygrams. The 3rd moneygram is still in my wallet, and I have the receipts showing proof of purchased, etc. I followed all of Moneygrams procedures and rules in order to cash the moneyorder / moneygram and get a refund. MoneyGram is refusing to refund my moneyorder or even allow me to cash the moneyorder. I received 4 to 7 emails with " open claims investigations '' that I didn't request. Several case numbers which is preventing me from cashing the moneyorder at my local check cashing business. MoneyGram is holding my funds, not responding to my emails, refusing to provide any information. I would believe that MoneyGram is refusing to return my {$500.00} which is a serious crime in the state of Virginia. Considering hiring an attorney, this is a terrible situation for me. I don't have any other option but to file this complaint today, hopefully something will be resolved soon.
Consumer complaint received 2019-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (IL)

Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX   XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX  Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX