davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX
Consumer complaint received 2017-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX  (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from  Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Solutions Group, LLC (KS)

XXXX XXXX received another phone call today XX/XX/XXXX from XXXX XXXX XXXX ext XXXX after I spoke with him yesterday and told him is not allowed to contact my employer. This second complaint is a follow up complaint to the complaint I filed XX/XX/XXXX ( complaint ID XXXX ). During today 's phone call with HR Mr. XXXX disclosed that he is attempting to collect a debt for a payday loan and that I am going to be served for breach of contract and financial fraud. Mr. XXXX asked what the company protocol was for an employee being served at work. Mr. XXXX was informed yesterday that my employer has requested that he no longer make contact and has once again provided information to my employer regarding a debt for collection.
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MN)

Last question asked was information received involving request. The answer is yes and no. Wells Fargo denied a retail credit application. I currently already had credit with this XXXX XXXX XXXX. However, all furniture stores left XXXXXXXX XXXX Now XXXX XXXX finance through Wells Fargo. Wells Fargo denied my application and lists four reason why they did. Next, I contacted the credit reporting agency XXXX. XXXX informed me that a report would be filed for their records and to contact Wells Fargo concerning denial. I did. I attempted again today XX/XX/year>. I was told by XXXX. in the escalation department that they do not discuss denials only approved credit. 
Denial letter specifically states that a creditor can not deny credit based on income, race etc. The other thing is I do have good credit. I do not have too many accounts with balances as stated, nor do I have any delinquency. 
Wells Fargo 's denial of credit to me is outside of what your agency describes as Fair Credit Reporting Act. It profiles me and falsifies my credit as a whole.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (PA)

To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.
Consumer complaint received 2019-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

What is happening with this loan is the interest rates are crazy. It's like they set students up by lending them this loan and then they are stuck paying interest only forever. I pay about 300 each month and it just goes to interest only.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (NM)

My mortgage in serviced by HomeLoanServ Inc. I am having problems with my escrow account. My mortgage payments go up every year, but the customer service reps tell me something different every time I call. There is not case notes in the account that I have called several times to get the issue resolved. I am explaining the problem I am having over and over again, because there are not notes to go back to. My total mortgage amount stated out at {$680.00} now, it is now {$750.00} in three years. Last year, they said my escrow had a short fall of {$300.00}, I paid it and they guaranteed it went towards the escrow. They said I needed to pay an extra {$25.00} to cover the shortfall that I had already paid in full, ( I thought ). I paid the {$25.00} extra for 12 months. This year I have another shortfall and will pay another {$20.00} per month. I have never missed a payment or had a late payment. The accounting is off somewhere and I need to know what is happening to my account. I would like to retire in the next 4 years, but is afraid my mortgage payments will be over {$1000.00} a month at retirement with this company. Please help! Thanks so much
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (TX)

In XX/XX/2019I recieved a call from XXXX XXXX XXXX stating that I owed a debt. I requested that they send me verification of the debt in question and they did not. They sen t me a bill instead.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see page 2 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My loan was bought out by Select Portfolio Servicing XX/XX/XXXX from XXXX  XXXX XXXX. When SPS inherited my account they informed me that I was 1 month behind. I have been disputing this since they took over my loan. I have provided proof of payment for XX/XX/XXXX and XX/XX/XXXX. Once they received my proof of payment I was then told that " my missing payment '' is from another month. I asked what month and they have been unable to give me a specific month. They did send me what they claim is a payment history from XXXX but it was so microscopically small that it was impossible to read. I called them and told them the statement history could not be read. They sent me the exact same copy I had previously received. To this date they have been unable to tell me what month was unpaid. I simple do no know how that is possible since I made my mortgage payment at the bank/branch window. XXXX will not accept a partial payment at the window, I know this because I have tried before I was approved for a modification. 

I recently went through a series of health issues that I was heavily medicated for. I accidentally issued 2 online payments for the month of XX/XX/XXXX. They refuse to return one of my payments because they now consider my account " current. '' My bank is unable to assist me since payment was sent out in a check. I now have an overdrawn account and bills and food that will not be paid nor purchased for the rest of the month. 

If there is anyone that can help me, I really need the help to resolve this ongoing issue.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (IL)

I spoke with Shell Point Mortgage last week and was told my account was only eligible for a payment plan for three months. 
1st payment to start XXXX XXXX. 

I requested written documentation to be emailed fax or being able to print from Shell Point Mortgage Portal. 

The Shell Point Mortgage attempted but could not sent me the documentation. Was told their system was down. 

My account is still showing for XXXX payment not paid. 

I dont want a late payment on my credit since speaking with a supervisor at Shell Point Mortgage last month from my request to deferred three payments that I was told was eligible for my account.

I end up finding out I was denied the request to defer 3 payments and never received any documentation in writing. 

I just trying to handle my business with this account her I have had for 20 years since 2007 just getting the runarounds. 

No consumer protection.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX  XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX  XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. 

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

SOMEONE IN THE MISSISSIPPI AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE MISSISSIPPI AREA.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened a checking account at CITI Bank on XX/XX/XXXX, and deposited a {$10000.00} check on the spot. Since I am not a XXXX XXXX, I was asked to provide a lot of supporting information in order to be able to open an account. 
After confirming that there was no problem with the account, I transferred XXXX {$10000.00} from my country to my account by wire transfer on XX/XX/XXXX. 
In the next XXXX days, I was repeatedly informed by the bank that my account was blocked and further information was required. I went to the bank about XXXX times. 
I couldn't bear the bank 's difficulties, so I went to the bank on XX/XX/XXXX, and decided to close my account. They promised to send a check to my XXXX address within a week. 
Then I returned to my country because of my busy schedule. But I haven't received a check from the bank at the address I left for a month. I asked someone to go to the bank to inquire about the reason, and the answer I got was that my account did not need to be closed and could be used again. The only thing I needed to do was go to the bank in person to handle withdrawals and other services. 
When I returned to the XXXX again on XX/XX/XXXX, I went to the bank to withdraw my funds. But I was told that the bank account balance was XXXX. I was extremely shocked because I never received a check. I asked the bank to inquire about the whereabouts of the funds and went to the bank XXXX more times. Then I inquired by phone, but so far there has been no reply about the whereabouts of the funds.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I called Pennymac several times to discuss options for my mortgage as I am currently on medical XXXX for a health issue and not receiving any income. On the last phone call, the representative said that I qualify for a plan for $ XXXX for 4 months, through XX/XX/year>. He explained that the monthly payment would be pushed back until XX/XX/XXXX with no fees and my account would still be considered current and " pays as agreed '' since the agreed upon amount would be $ XXXX. I wanted to research this and see the details in writing but he said this was a limited option and I had to take advantage now and he was very pushy, saying that this offer would not be available again if I called back, so I accepted. He guaranteed me I would receive the details in writing right away but I NEVER did. I did not make a payment that month because that's what we agreed. He also stated that in XXXX I would have the option to resume payments as normal ( normal amount ) and have the missed payments bundled at the end of the loan ( which is still XXXX years from now ). After that, I received XXXX correspondence or communication in writing or otherwise, and my account online was blocked. When I log in, I just get the moving circle over the payment area so I can not see what was due or when the last payment was made. The notifications simply say " see Statements & Documents '' but everything there only has a headline and when I click on any thing on the page it says " failure to load PDF. '' I have called Pennymac back multiple times and go through automated message loops unable to reach a human being. There is now a notification on my online account that says " delinquent '' which is 100 % contrary to the plan I agreed to and I can't even open it to see what it says. When I finally got a person on the line they said that my account will have late fees and the 4 months will be due at the same time, on XX/XX/XXXX, which is just impossible if I'm in the XXXX  not working, and that doesn't make sense at all and is absolutely not what was discussed when I agreed to this. I assume phone calls are recorded so you can easily go back and listen to how that is absolutely not what the previous rep told me on the phone. I want this fixed and my account marked as current because I am following the agreed upon terms. If you look I have a XXXX spotless credit history and it should not be tarnished by Pennymac 's incompetence.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I authorized Wells Fargo Auto Loans ( WFDS ) to pull my credit on XX/XX/2020. They pulled it. 

I did not authorize them to pull it again, but on XX/XX/2020, they did so anyway. This is negatively affecting my credit score.
Consumer complaint received 2020-10-25
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: CITIBANK, N.A. (CA)

Follow up with COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 citi card told you and I that they will resolve by XX/XX/2020. 
However they did not contact me or resolve that. 
That is not first time that citi play games with me about the issue.,
Consumer complaint received 2015-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!
Consumer complaint received 2021-09-13
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. (IL)

On XX/XX/21 I sent transunion a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX district of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. 

I went back to transunion and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. 

This items needs to be deleted from my credit report if it can't be verified within 30 days.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=1XXXX, SSN=XXXXXXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (GA)

I received an email on XX/XX/05 from Dynamic Recovery Solutions regarding a debt that DOESN'T belong to me nor have I ever heard of. I do not owe this debt at all. I have never heard of them, nor the creditor. I don't appreciate them emailing me or contacting me trying collect on a debt that DOESN'T belong to me or anyone in my household. I am a victim of fraud and have been for over 10 years. I typically keep my police report up to date and I have fraud alerts all over my reports.