davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Heartland ESCI sent my XXXX loan from the University of Washington to a debt collection agency on XX/XX/XXXX while the CARES Act forbearance was in effect. I received noticed XXXX that my account was in bad standing despite receiving two e-mails on XX/XX/XXXX stating that due to Covid-19 relief my account was placed in automatic forbearance until XX/XX/XXXX and no payment was due. I received no additional communication regarding my account, including payments necessary, until the acceleration e-mail on XX/XX/XXXX. All attempts to contact Heartland ESCI have immediately routed me to the collection agency XXXXXXXX XXXX XXXX. This seems illegal and incredibly predatory as it is now negatively affecting my credit as I try to deal with an account that should not have been sent to collections, if not because of the CARES Act then their own written communication to me. My account, according to them, would not have been in bad standing until I missed a payment on XX/XX/XXXX but it was accelerated on XX/XX/XXXX.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (GA)

attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (TX)

I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I double paid by accident my minimum payment in XXXX. I thought my minimum payment would be applied the next month. I was incorrect plus they charged me a {$29.00} late fee. I was willing to not be refunded the double payment but not the late fee as I don't have a habit of paying late. 

I talked to rep and who they said was a supervisor who was unwilling to refund me the late fee.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I sent request for information, about discrepancies in XXXX, fees charged with lender placed insurance, and lies submitted to the State Attorney General of Alabama in relation to lender placed insurance, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IN)

I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.
Consumer complaint received 2022-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I was misinformed by XXXX XXXX/navient about my options for repayment as well as the removing of my co-signer, it was at this time my co-signer was forced to pay XXXX to be removed as co-signer by threatening to take theyre home. I was also permanently XXXX and on XXXX a bankruptcy judge discharged this debt due to the financial burden this would place on me and my family. I have spoken with navient many times and explained this to them they state that the loans can not be discharged through bankruptcy and continue to harass me through constant letters and reporting this to the credit bureaus thus causing more financial distress to me and my family. I have been deceived by my school as well as XXXX XXXX/navient. After learning of the ongoing lawsuit against navient I truly believe I should be included in the lawsuit against navient. I was never offered an income driven repayment plan I was always pushed for more payment than I could afford so I ended up defaulting and being charged off.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (UT)

I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance?     I sent them a certified letter on  XXXX   XXXX  and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.
Consumer complaint received 2015-06-20
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc. (CA)

Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.
Consumer complaint received 2022-02-09
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. (NJ)

On XX/XX/2022 at XXXX p.m I made a phone call to Transunion in regards to a dispute that states that accounts are accurate and remain will remain on my credit report. The associate that i spoke to by name of XXXX XXXX stated that within their investigation they reached out to the creditor ( debt collector ) and they informed Transunion that my social security number, my phone number, name and address belongs to me and that the account and debt is mine. So in end result Transunion used that as a method to determine that account is verified and accurate. I explained that the debt does not belong me and that these debt collectors are required by the Federal Law to consent with me in regards to information being reported on my credit report. All she said was i am sorry. I gave her the federal law 15 usc 1681 ( a ) ( e ) that states that a investigation should be conducted by contacting neighbors, associates, and family and I asked XXXX XXXX if that was done and she said no. She explained that they only reach out to the dent collector. After that conversation I spoke with the Supervisor XXXX XXXX at XXXX with the same concern and nothing was being done to resolve my issue. I also explained that I have dispute on my credit report because a bank forged my signature without my consent. I told XXXX XXXX that i have proof of it with supporting documents. I asked him what if XXXX XXXX lies and say that the information i state is not true what would be the end result? The supervisor XXXX XXXX said then they would end the dispute and mark the information as verified on behalf of the bank. Transunion does not care about the consumers and they break the federal law all the time.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/2020 I attempted to send {$25.00} to a friend in XXXX via Western Union. He twice tried to collect the money at his bank, but the transaction was declined. Western Union then cancelled the transaction and refunded the money to me. Today, XX/XX/2020, I received a letter ( attached ) stating the reasons for the denial. Their claim that I initially contacted them is false. I spoke with their customer service today and inquired why I received the letter. They stated that the transaction was " flagged '' as being fraudulent but they could not explain their reasoning. They said that they would email a response. This is nonsense. I've owned the bank account for more than a decade and I personally know the recipient. There was no fraud here. 

On XX/XX/2020, I resent the {$25.00}. This time it went to a Western Union location rather than a bank. Again, my friend was unable to receive the money. I called Western Union on XX/XX/2020 and they informed me that a refund is in progress. Again, they could offer no explanation as to why the transaction was declined. 

During today 's phone call, I informed their representative that using words like " fraud '' and " money laundering '' was crossing the line. I informed them that before using such language they need to provide proof as justification. 

I've never had such difficulty in sending someone as small an amount as {$25.00}.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. 
companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (NJ)

I am being notified every month even when forbearance was issued and my statement explains how many days late I am as well as Im being charge a late fee every month I dont pay. Now my statement tells me Im currently in loss mitigation and soon will be in foreclosure. Im still being charged late fees every month. Every time I call they note my concerns I n their system and then state that they are unable to reach me when I give them my email my cell and any other way I can be contacted. My statements show I paid them also show the year 2020 being charge late fees every month. Its an FHA loan and I want to refinance and they told me its against the rules to do so when on forbearance and against the law.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have a mortgage account with OCWEN INC. My account was initially with XXXX in XX/XX/XXXX and they sold soon after to OCWEN XXXX My account has been pain on time and current since XX/XX/XXXX, however OCWEN have filed a public record stating bankruptcy was dismissed in XX/XX/XXXX. This information is completely inaccurate and OCWEN refuse to correct ASAP even though I have contacted then on numerous occasions. The last person I spoke to ask me to send them a letter detailing the issue. This is affecting my credit because of this information. I have written to the XXXX credit bureaus and they are insisting the information was verified even though I get a response from them within 7 days. I am sure it takes more than 7 days to verify this information.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have some items on my credit report that is not mine and I have disputed them with the TransUnion by mail and phone conversation. I do not recall using the services at all. The accounts are as listed XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to dispute an entry on my credit report with Transunion. The entry does not belong to me. I ca n't " prove a negative '' to get the entry removed. (?? ) " XXXX '' is the Customer Punishment Representative at Transunion who spoke to me. He refused to begin the dispute process for me, and told me that Transunion does not fix their errors. I asked for evidence that the entry is valid, and XXXX told me that was not Transunion 's problem.
Consumer complaint received 2016-09-24
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Lendmark Financial Services (OH)

I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?