davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collections - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX  XXXX Account Number : # # # # # XXXX 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 2018-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (NC)

XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Consumer complaint received 2021-02-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XXXX XX/XX/2021, I contacted PennyMac Loan Services about my existing mortgage. I am currently on a forbearance plan due to the impact of the COVID-19 pandemic. I recorded my phone conversation with XXXX. I asked for an extension of my forbearance and asserted that I am still being affected by COVID-19. XXXX asked me in what way was I still being affected ( e.g., loss of pay, reduced hours, not working ). I reminded her that I was not required to provide this information. She stated ( quoting exactly ) " It is for documentation purposes. For us to continue it, we have to document how you are still impacted. It just can't be that you are impacted. '' I responded to her statement by letting her know that the law does not require me to provide additional information/documentation beyond making the assertion that I already made to her. She emphasized that the questions she asked were not intrusive. I told her that was irrelevant. I also told her about my recent complaint to the Consumer Financial Protection Bureau regarding PennyMac 's previous incident in using quid pro quo tactics whereby PennyMac refused to provide me information about my account and answer questions about my forbearance until I answered their additional questions about my COVID-19 hardship. The representative stated I can call back when my forbearance expires and that she would not honor my request to extend my forbearance. XXXX stated a date that I could call back, but I was unable to make this out during the actual call. During the call, I tried to ask her about the date she stated I needed to call back. She refused to ansewer and, instead, flooded the phone with several pieces of information. I attempted several times to let her know that I couldn't hear her and to ask that she repeat the vital information. She refused to do so and, instead, directed me to visit PennyMac 's website. I have included attachments of publications on the Consumer Financial Protection Bureau 's website that provide instructions and guidelines to mortgage servicers. Beyond the plain language of the CARES Act, these additional publications make it clear that PennyMac is required to provide a forbearance and an extension of a forbearance upon my request and assertion of continued harship as a result of COVID-19. PennyMac 's refusal to do so and PennyMac 's refusal to answer simple and routine questions about my forbearance ( not to mention as a repeated offense ) constitute the main claims of my complaint.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (NJ)

Hello, I had inquired about HARP a while ago. When I found out that it would not benefit me, all of the companies stopped calling but this number continues to call me, XXXX XXXX XXXX XXXX. I am not sure but I believe the company is XXXX XXXX in XXXX, NJ. They left me a voice mail today which included, '' XXXX XXXX XXXX ... I am going to keep calling. '' Please stop them. 

Thanks.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Metro Collection Service Inc. (CO)

Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last XXXX on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX reality.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In late XXXX, XXXX, I was offered mortgage loan forbearance during COVID by Wells Fargo. I did not call them, they called me. I accepted loan forbearance with the explicit understanding that during forbearance, no payments would be required, and no interest would accrue. At the end of the forbearance period, I would resume regular payments and there would be several options for repayment, including either extending the loan past the existing end date of the loan for additional months equal to the months of forefearance, or a block payment at the end of the loan. We started with 6 months, and multiple times Wells Fargo offered extensions up to 18 months. At each step of the process, I reaffirmed that interest was not accruing during forbearance. 

Now, back in repayment, on XX/XX/XXXX, Wells Fargo created a " Secondary Principal '' account in the amount of {$26000.00} apparently comprised of missed payments that includes accrued interest.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (HI)

MOHELA is my student loan servicer : On XX/XX/XXXX I applied for the XXXX XXXX repayment plan and MOHELA notified me in XX/XX/XXXX that they denied my application because it was too soon as my account was still reflecting " in school '' status, although I graduated XX/XX/XXXX. I was directed by MOHELA to reapply in XX/XX/XXXX. I reapplied XX/XX/XXXX and MOHELA 's records show receipt on XXXX According to representatives MOHELA processed and approved the application XX/XX/XXXX and my XXXX plan has a {$0.00} payment obligation. On XX/XX/XXXX MOHELA billed me {$150.00} under the " XXXX XXXX. '' When I questioned the bill agents told me to disregard, and that they ( MOHELA ) would correct the bill to reflect my {$0.00} obligation. As of today XX/XX/XXXX I am receiving collection notices and my account reflects a past-due amount of {$150.00}. My numerous attempts to get MOHELA to make this correction have failed.
Consumer complaint received 2018-02-21
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (MD)

Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.
Consumer complaint received 2021-01-20
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: ALLY FINANCIAL INC. (SC)

On XX/XX/XXXX my bill for account ALLY FINANCIAL Reported : XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX DEALER FINANCE. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Mercantile Agency, Inc (OR)

I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair.
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

Central financial control is still aggressively collection debts again me even though I 've sent them all the required documents under the FCRA and FACTA. I do n't owe this company any money and never lived to get hospital debts I work for  XXXX , so I know some people are not that annoying.
Consumer complaint received 2018-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I filed my taxes with the IRS and requested an electronically deposited refund. I provided them with one of the routing numbers made available to me via the Bank of America mobile application tied to my accounts with them. The IRS confirmed that they sent my XXXX tax refund electronically on XX/XX/XXXX. I spoke with several representatives at Bank of America on XX/XX/XXXX and XX/XX/XXXX. During those conversations I was told that the funds would be converted from wire to ACH and be deposited into my account. When the funds were still not deposited, I called back to get additional information. I'd confirmed with the IRS that I'd given them my correct savings account number and routing number. When I spoke with Bank of America again, I told them which account numbers I'd provided to the IRS and was informed that because I'd given the routing number for wire transfers, they'd rejected the payment back to the IRS. At this time I have to wait for the IRS to issue a paper check and it will take approximately 5 weeks because a banking institution who's job it is to send and receive money, chose not to receive mine.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XX/XX/XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from XXXX in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you XXXX XXXX.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASH AMERICA INTERNATIONAL, INC. (CA)

XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (OH)

I had a Perkins Loan at the University of XXXX XXXX in XXXX, Texas. I am enrolling in college at another university in the fall, 2018 and my admission into the university is on hold due to the University of XXXX XXXX putting a hold on my transcripts. 

I have spoken with the XXXX contact at this university for several months now who has been rude, condescending, and unprofessional to me in how he has spoken to me, however, he suggested that I do a loan consolidation to pay off the Perkins loan. 

I did do this loan consolidation and the loan was paid ( approximately {$2800.00} ) except now the XXXX contact says there is still over {$1000.00} that needs to be paid before my transcripts will be released. 

The XXXX contact says that a Williams & Fudge agency has been contacting me about my loan. I have never received any letters, phone calls or e-mails as far as I can recall about any correspondence with any Williams & Fudge agency and in fact when I did speak to XXXX ( my loan provider ), I was told that my Perkins loan had not defaulted. 

I have been unemployed and XXXX  XXXX and unable to work and that is why the payments were late, but now even after the loan has been paid, University of XXXX XXXX is still unwilling to release my transcripts until I probably have to pay this extra {$1000.00} + I'm guessing as collection fees. 

Again, I do not recall getting any information from any type of Williams & Fudge agency correspondence and I most certainly do not agree with any additional fees which are 1/3 the cost of the overall balance of my Perkins loan. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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)

continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

My original loan was for {$7800.00} and I've paid all but {$4300.00} of it. I have made large payments up to the amount of {$800.00} at a time. I asked for a loan deferment for the months of XX/XX/XXXX and XX/XX/XXXX because I was having a XXXX and was never sent the paperwork for it despite calling numerous times and asking for it, but I was charged the fees for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the deferment. They also automatically withdrew amounts from my bank account without my consent for 3 months. And now they're beginning their harassing phone calls again. They call me five or more times every day.