davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (AR)

WEST ASSET MANAGEMENt is continuing to report on my credit report for a debt I believe not to be mine.XX/XX/2014 is the date showing to been opened and original creditor of XXXX with a balance of {$560.00}. 

I have never had XXXX and I also have had issues with mistakes on my credit report as myself my XXXX also share the same first and last name. We all have different middle names .when I first noticed this I called the company right away and as with all credit collection agencys or anyplace that says you may owe money you have to be careful when calling.i explained that this account is not mine and if they could please fix it.Before the woman even said a word to help she started with the '' this is an attmpt to collect a debt '' ''this call will be recorded '' its a good thing I also record my calls as well. 
As she was explained that this is an attempt to collect a debt ( Even though I called them to fix the issue ) I kept interrupting to let her know that this debt I believe is not mine. 

suffice to say I got nowhere she repeated she could not help me.Ibelieve this debt is not mine. She even wanted my ssn to look me up this was my first attempt to solve problems by myself and I got nowhere with them.if they have proof like a contract my signature or even what day or and address please let me know.i can provide documentation where I work and live for last couple years. 

I have even sent a certified letter of validation and have yet to hear back from this address that is on my reports : west asset management XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (FL)

I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a business credit card with Capital One. Capital One ran my credit ( score of XXXX ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated XXXX XXXX ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of XX/XX/XXXX.
Consumer complaint received 2015-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (GA)

I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

On XX/XX/2022 my husband and I applied to refinance our home mortgage located at XXXX XXXX, XXXX Mi XXXX with Amerisave. We paid {$500.00} to Start the process and lock the rate of 2.75. For the next three months we we told to submit and resubmit our paperwork over and over and over, at least 4 -5times. I expressed our concerns repeatedly that why are we being asked to keep submitting the same documents along with additional documents. We were told by our own officer, XXXX XXXX of AmeriSave, that this was standard and she had no idea why the loan documentation people are indicating they never received the multiple copies. She assured us the rate lock wouldn't expire. 

About four weeks ago, the officer stopped responding and then the emails were listed as undeliverable. I called 800 AmeriSave number and complained and was assigned a new loan offficer who tells us the rate lock expired and we will need to pay {$13000.00} to get the rate and terms we agreed to. Of course we will be unable to find this rate at another company as the rates have gone up. I think Amerisave simply delayed and delayed us in the hope we would be squeezed to come up with a ton of money to close knowing full well the interests rates jumped up. This cant be legal-They committed fraud.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.
Consumer complaint received 2021-06-05
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: SYNCHRONY FINANCIAL (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Due to a security breach, an account by XXXX XXXX was attempted to be opened on XXXX/XXXX/2016 with my information. It was denied, but the hard inquiry still exists on my credit report. Both XXXX and Transunion will not remove the fraudulent inquiry from my report, saying only XXXX XXXX can request it to be removed, but it will still take 2 years to remove from my account. I will soon be in the process of buying a home and do not want this fraudulent inquiry to affect that.
Consumer complaint received 2015-03-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

9 years ago, my wife and I bought our house in XXXX. Being so, we were given a " XXXX XXXX '' loan with our second mortgage having a 11.5 % interest with a {$50000.00} balloon payment due after 15 years. We just had XXXX and have been attempting to modify the mortgage as we can no longer afford the payments. We have submitted twice and been denied twice with them stating that we make too much money. Apparently, it Ocwen 's policy that they do no take out payroll deductions from anyones income that will be helping to support the original lein holder, therefore, showing that we have an excess amount of cash on hand each month. In a final attempt to do something with this mortgage, my wife 's aunt offered to pay {$25000.00} of the {$53000.00} left on the loan as a closure settlement. Once again, they have denied us. Their only advice is to stop paying, take the hit to my wife 's credit, and maybe in a few month the " investor '' will be willing to do something. So, for the past 4-5 months, they 've given us no viable option to modify or settle the loan, therefore forcing us to stop payment without any other terms of negotiations. We 've never missed a payment or been late on a payment, we both have credit scores over XXXX, and yet, according to their own policies, we do n't qualify because our account is in perfect standing. Yet, every time I google the name Ocwen, I find nothing but lawsuits and settlements from the government saying that they have to give homeowners options and relief. Where is the relief for us?
Consumer complaint received 2016-06-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC (TX)

I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO. (WA)

I am very disappointed in the way your department and XXXX XXXX forced Chase Bank to admit there " unlawful collection pratices ''. It seems that the consumer, whom Chase Bank used these " unlawful pratices '' on, got nothing from the court action that was entered against them. I read the final transcript and it seems your office and the XXXX states whom were involved received a pay out of millions of dollars and the consumer, whom reported there conduct to each XXXX and your office came out of this legal action with nothing. The consumer was the first reporting party, your office and the other XXXX would not have been able to file the legal action if it was not for the consumer. Being XXXX of the XXXX comsumers from Washington XXXX whom Chase used these " pratices '' against, I was shocked and very upset that the XXXX XXXX dollars Chase was ordered to pay the XXXX of Washington was not going to be used to reinburse the consumer. I have been in contact with the XXXX here in Washington state and was told, in more ways then XXXX '' that there award was to be used for costs and education on any company thinking of using this method to collect debts. After checking my options for any legal actions against Chase also had me very upset. It appears the only legal action, as a consumer, that can be taken against Chase Bank is refined to a {$1000.00} award. The effects that have been felt through there actions goes way beyond a {$1000.00} award, and just the thought of the amount you office and the XXXX were awarded just made me sick. I thought your office, and the XXXX, were in place to punish companies that took advantage of the consumer? I must say that your conduct and the XXXX have shown me that reporting companies of unlawful pratices is not in the consumers best interest. I do have plenty of other items I find that are very underhanded but I have a feeling that there is no reason for me to provide them in my statement. I do not believe your office will understand how this has effected the consumer. I found this out when my XXXX office kicked me to the curb without even a phone call.
Consumer complaint received 2015-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/XXXX, My vehicle was remotely disabled automatically. I did not know until XXXX XXXX morning I was on my way to go to church. My car would not start. I want to file a complaint against Credit Acceptance corporation regarding this matter. I want to be compensated for the loss that I suffered regarding this matter. I was not able to go to church nor was I able to deposit my payroll into my bank account. In addition, I was not notified in advance by Credit Acceptance. Credit Acceptance did not notify me in writing, nor by telephone, nor in person of their actions. 
According to my knowledge, I set up automatic electronic payments for my car payments ever since XX/XX/XXXX. Why, they have not taken out the funds I do not know. Credit Acceptance made no contact to me regarding this matter. If there were an issue I was not informed by no one from Credit Acceptance. 
Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (IL)

Received a very vague letter from this " company '' attempting to collect an {$80.00} " debt '' with no information about this supposed debt - just multiple options for making a payment.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Consumer complaint received 2015-07-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I am have been charged with an owed amount on my credit report from a medical office, but my health insurance had paid this balance. I should not have this balance or report on my credit report. They say it would clear in 7 years, but it should not be there at all.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OK)

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (NJ)

I currently have both federal and private student loans that are serviced by ACS. I became  XXXX  in  XXXX   XXXX  and have been on Social Security  XXXX  since then. As a result, my income has been drastically reduced. For my federal loans, I was eligible for an Income-Based Repayment plan and currently pay approximately $  15/month. F or my private loans, I was told that I could have up to two 6-month deferments, but no other options are available from my lender. I am currently in the second 6-month deferment, which will end  XXXX   XXXX ,  XXXX . Starting in  XXXX , I will owe approximately $  XXXX /month on these private loans. I can not afford to pay that much per month. I just spoke with a representative from ACS as well as a supervisor. They confirmed that I can either pay the full amount or go into default. If I go into default, I ruin my excellent credit rating and the lender does n't receive any payments. I also requested a way to contact the lender directly and was told that I could not. I have no idea what to do next and just want to work out a repayment plan with the lender that I can afford. I would think that they would rather get a reduced amount than nothing at all.
Consumer complaint received 2023-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Dear Consumer Financial Protection Bureau : Wells Fargo has been mismanaging my mortgage for the past year and a half. On top of this, they have assessed additional fees and interests without any notifications or approval on my end. These faulty errors are causing me a loss in the excess of {$50000.00}. I am surprised that they have sent letters about escrow shortages, even though I have constantly been consistent. I am also on a fixed rate mortgage, therefore the interest should not be fluctuating as it has. My bill from when my mortgage started to how it is will serve proof as to how my mortgage is being handled. I am saddened that XXXX XXXX  gave them my account and I could not choose what lender bought it, otherwise, I would not be having to face the mismanaging. I work too hard to be cheated. 

Not to mention, much of my states assistance funds I received during XXXX in XXXX were not been allocated and disbursed correctly. Rather than correct these issues as well, all of the agents did not understand any of what was going on with my account. In an effort to maintain my mortgage they forced me to pay an escrow shortage over the phone and they had me disclose my routing and account number over the phone. They stated that it was necessary or I would be at risk of foreclosing. Something illegal seems to be going on. Whether it is an automated issue that is going on or intentional harm, I ask that these damages be recompensed by applying these considerations back into my mortgage account. 

Attentively, XXXX XXXX