davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (TX)

I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc. (CA)

I received a call from Aspen Collection agency the call started out nicely then the person began to be aggressive i explained to her I was never allowed to use the timeshare I talk to daily management they referred me to XXXX then XXXX referred me to Daily. I never received the statement from daily then they put me in collections with aspen. Per the FDCPA laws I told the lady I want the right to see the validation of debt making sure they didn't add any fees or anything because that's not in the original timeshare agreement the lady flip out and we ended the conversation.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed a Tax Lien from the XXXX registry of deeds XX/XX/2016 via certified mail to Transunion. I sent 2 to 3 letters stating that i knew nothing of this Public record I recieved the results of the investigation XX/XX/XXXX ( see attached ) from Transunion stating the entry was verified. I immediately called the XXXX Registry of deeds at the number Transunion provided me in the correspondence. I asked about this lien and they knew nothing of it i then called the IRS and asked if they had verified or validated anything with the Credit bureau. I do n't owe the IRS or any state entity any money, nor do i have any Liens connected to my name or residence. Transunion is violating the FCRA by not providing proof of documentation they did n't mark my credit report " disputed by consume '', and ive given them numerous opportunites to correct error. This public record is hurting my score and my financial life.
Consumer complaint received 2016-03-28
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Management Resources (OK)

I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Eastern Asset Services LLC (OH)

I have a credit card with XXXX ( a dept store ) I tried to keep up on my payments but I fell behind and they sold my debt to a collection agency Eastern Asset Solutions LLC. I contacted them and they did not identify who they were they just answered the phone like they were at home or something. I also set up XXXX payments before the end of the XXXX payment I was to call and set up XXXX more so when I called to do that he said they already had it set up for the next XXXX but I had n't authorized that when I questioned it and told him to not take any more money out of my account because I did not trust this company he got very irate and started threatening me with a higher balance and said this is n't going to go away I told him I know I owe the debt and I want to pay it but I 'm not paying it to you and then he started yelling at me and would not let me talk and eventually hung the phone up on me
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX  XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened an account with PNC Bank. My ATM card was stolen and used fraudulently. I was unable to get a police report because it happened in a different city than were I live and my local police dept would not assist. The police dept where the offense occurred also could not assist because the crime had already occurred and I was out of the city. It was a mess and I could n't figure out how to resolve it. While still in conversation with the branch manager - PNC abruptly closed my account. Now it 's a negative " SUSPECTED FRAUD ACTIVITY '' on my XXXX report. The total due is {$1900.00}, which is ridiculous and incorrect. But my hands are tied because they closed the account so there 's nothing to dispute. They already sent it to collections.
Consumer complaint received 2015-09-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC. (OH)

the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NE)

Hello, I am contacting your company because I need help with high student loans that I am unable to pay. I was attending a private college to obtain a degree a certification. during the time I was there I spoke with other students who were obtaining the same degree and cert and we were all charged different amounts for our loans. I feel as though the school over charge and made a bunch of promises like getting a free lap top after graduation. When I attened the school I had addressed several problems some of them got fixed and majority of them did not. The price was way outrageous and I wanted to eventually withdraw due to personal medical issues at the time. But i feel as though I was forced to stay in the program being told i would be charged and would have to start all over again. I stayed and completed it. fast forward, XXXX of this year I saw that the school had closed its locations due to bankruptcy. I was shocked but not surprised. I started to submit a complaint back when i attended the school but I had no real info on how to do so. since the school has closed there is only XXXX school that would accept the credits but they do not have the degree of study that I want. I do not think its right that they just closed and did not inform current and former students. its like they left us holding the debt. and it is really hard for me to get a job in the field I have the degree in. please help this has caused so much stress and I almost wish I would have never attended this schoo.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am filling a complaint because I want to pay my escrow and home insurance and the bank wants to charge me an escrow fee. I have an excellent credit score, never been late. 

Back in XX/XX/XXXX, I went to Santander Bank the Branch in XXXX MA, I brought with me the letter that I received from the bank. Previously I made a request to the bank that since I have excellent credit, and since XXXX I refinanced with them my mortgage it was time for me to pay my property tax and my home insurance without having the bank retain my taxes and home insurance plus the " cushion '' I was told to get out of this I need to pay 0.25 % of my mortgage balance which is a large amount. I had a mortgage balance of {$420000.00} and Santander sent the letter stating that in order for me to get out of this paying my escrow and home insurance I would have to pay {$1000.00}. I was upset and while I was waiting at the branch another customer said he went through the same thing and was XXXX, he refinanced with another bank he said it's like dealing with the XXXX. I spoke with XXXX and we got on the phone with the mortgage and requested to have the escrow and home insurance removed so that I can pay myself. The banker said that it was fine and that I would receive a letter in the mail to confirm it. But when I got the letter i got rejected again. I do not have the money to pay them the escrow fee '' times are rough. I recently sent the Santander bank my XXXX XXXX XXXX Real Estate taxes where you can see my taxes went down to {$2500.00} each quarter see attached. The escrow analysis was reduced by {$5.00}
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

Tried to Transfer funds via walmart online aka moneygram. signed up for an account included my DL front and back. Sent {$3900.00} on XX/XX/16 at XXXX XXXX  got email my transfer has been sent. Receiver never got. Called 3 times as did receiver each time told to call back in 24 hours. Still have not transferred funds to receiver or returned them to me.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I CANT QUALIFY FOR ANY PRODUCTS SEVERAL YEARS NOW BECAUSE I KEEP GETTING THIS MESSAGE THAT I HAVE HAD TO MANY OR PRESENT BAD ACCOUNTS WITH CAPITAL ONE. I HAVE CALLED AND THEY TOLD ME THEY WERE GON NA DO A INTERNAL SEARCH WITH MY NAME AND INFORMATION AND STILL NOTHING. ALSO THEY STILL HAVING CLEARED A WALMART/CAPITAL ONE CARD IN MY NAME.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have reached out to XXXX, Equifax and XXXX three times to dispute inaccurate accounts on my credit report. They have responded both times and stated they have verified/updated the accounts. However, they have provided no proof and only an updated credit report. They have violated multiple laws according to the FCRA. I have demanded to have these accounts deleted from my credit report which has not been done so.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a credit card with Bank of America and have been a customer for years and have paid my credit card bills on time every month. This past month I made a mistake and the internet system automatically put the payment for the lowest possible amount ( when I had programmed the full amount ) - I do n't know why the amount was changed. I have paid the full amount and the Bank insists on charging me late fees, etc. They then said I had to contact them by phone - I am out of the country and calling is difficult for me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (KY)

XXXX XXXX XXXX has an unverified, obsolete, and inaccurate account on my credit credit report. 

This account needs to be deleted from my credit report. 

Thank you XXXX XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a collection reported from a medical visit by my daughter. Her father and I are divorced. Her provides insurance for her and is responsible for any amount over {$200.00} on medical fees. In XX/XX/2020 she was seen in an ER. The ER doctor did not file on her insurance and since I have sole custody my name was entered on the account. I disputed this collection in the amount of {$1600.00} and sent a copy of my divorce decree to transunion. 
I had initially stated this was not my account and then finding it was for medical service for my daughter submitted the divorce decree. Over the phone, I was assured this collection would be removed. on my XXXX XXXX account is was removed then it reappeared. I would like your assistance in removing this collection from my record once and for all.
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a customer at Navy Federal Credit Union and my account is locked out still to this day. As I spoke to someone at cfpb I was told to take a snap shot of proof that I am not able to gain access to the account. After hanging up with CFPB I was courious to see if my account was open for me to log on and it was not. I then took a snap shot as directed and will upload the picture. Before XX/XX/XXXX I spoke with a customer rep at the bank and made arrangements for XX/XX/XXXX and told them I was locked out of the account. After learning about the regulations on this I tried today XX/XX/2016 to gain entry to my account and still can not log in. Also I want to note they are making arrangements with me that are unreasonable and not obtainable.
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Bank did not give {$200.00} welcome bonus for my checking account. 

This is the advertisement : To qualify for the {$200.00} bonus : open a new Fifth Third Essential Checking account, within 45 days of opening the account make deposits totaling {$500.00} or more AND then maintain a balance of at least {$500.00} for 60 days from the date the balance requirement is reached.

I deposited {$600.00} on XX/XX/2018 and maintained the average balance for more than 60 days. Never received any bonus. Made several attempts by contacting various branch locations. I opened the account online and no branch is taking ownership of this problem
Consumer complaint received 2023-03-25
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: ERC (NY)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX  XXXXXXXX XXXX  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 an account without my written instructions.