davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (TN)

I took out a loan at check into cash in  XXXX   of 2017   , for {$570.00} and I ca n't pay the loan back because I lost job due to unforeseen reasons..They have been calling me and its really bothering and upsetting my family, not to mention the high interest rates that they charged o n the loan..is n't  this against the law??? I just want them to stop harassing me ....
Consumer complaint received 2020-06-02
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. (WA)

Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After my wife and I had extreme financial problems Bank of America ( BofA ) put us through their modification process in lieu of foreclosure. The experience was absolutely horrible, we tried completing on our own but then had to retain a lawyer just to track the paperwork since BofA continuously lost all our paperwork. We were offered a short payoff amount which was then retracted. We signed a modification approximately eight months ago and began making the payments as agreed. BofA can not seem to adjust their system to match the modification agreement and continues to report inaccurate late mortgage payments. Payments can not be accepted online since their system is incorrect. I have sent approximately five letters concerning this issue. BofA continues to ruin my credit reporting inaccurate mortgage lates which has caused significant additional financial hardships.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kimball, Tirey & St. John LLP (CA)

There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

I found a paid Tax Lien reporting on my Equifax credit report. Since I have no knowledge of this lien, I disputed with Equifax and Equifax verified it on XXXX2016. I was instructed by Equifax to contact the reporting agency ; that the reporting agency was the one who verified the entry. The XXXX County Court was listed as the reporting agency, so I contacted the XXXX County Court. I was told the Court does not ever report to any credit bureaus. I then asked Equifax for the method that was used for verification, since the Court does not report to Equifax. There was no response. 
Instead of answering my question as to who supplied the information concerning this tax lien, Equifax just verified it again, on XXXX2016. I contacted the Arbitration Department of Equifax for assistance. The letter was signed for on XX/XX/XXXX2016. The only response from Equifax XXXX was, on XX/XX/XXXX2016, and Equifax verified this tax lien again. This lien is not reporting on other credit bureaus. Equifax is continuing to report incorrect, damaging information on my credit report, and refuses to provide proof this account should even be reporting. 
I give my permission for Equifax to discuss this issue with the CFPB.
Consumer complaint received 2016-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

The purchaser of our FHA mortgage, RoundPoint Mortgage Servicing Corporation, refuses to pay our special assessment ( Front Foot Benefit Charge ) from escrow despite collecting the amount each month. XXXX XXXX XXXX XXXX, Chapter XXXX, XXXX XXXX ( D ) ( XXXX ) states clearly that special assessments are required by XXXX to be escrowed. More so, XXXX XXXX XXXX, XXXX XXXX, XXXX A ( XXXX ) ( a ) ( XXXX ) ( A ) is unequivocal when it states : " The Mortgagee must collect a monthly amount from the Borrower that will enable it to pay all escrow obligations in accordance with XXXX CFR XXXX. '' Special assessments are listed as an obligation. 

This item was correctly accomplished during the establishment of our escrow account by the original mortgagee, XXXX Mortgage XXXX XXXX XXXX, as noted in XXXX XXXX, for a monthly payment of {$100.00} ( for the annual assessment of {$1200.00} ) as required by para XXXX. However, the following attachments will provide the information required to show that RoundPoint Mortgage is not meeting its XXXX obligations for this government-backed mortgage. 

Atch XXXX is the current mortgage statement. It clearly shows a payment in accordance with XXXX XXXX. Atch XXXX is the current escrow account. Atch XXXX is our current property tax bill. XXXX XXXX is the home insurance. Atch XXXX is the escrow analysis that RoundPoint accomplished which does NOT show the special assessment that is being collected. Please note that RoundPoint is collecting property tax that is 23.69 % higher than required per XXXX XXXX.
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

XX/XX/2014, I paid the student loans, for the amount of {$9000.00}. Citizens bank, told me that they will communicate withXXXX to clear my credit report, my {$9000.00}. cashiers check wascashed by the citizens bank, but they did not informed XXXX, Ihope that, they should be investigated, because they are damageiging my credit report to the XXXX agency 's.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Acceptance Company (FL)

XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MS)

This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My home mortgage company ( Suntrust ) is dunning me and assessing penalty fees for money I've paid on time. Paymient in full was made on XX/XX/XXXX and XX/XX/XXXX. These funds were deducted from my account.
Consumer complaint received 2020-09-11
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. (NY)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX and XXXX XXXX collectively. XXXX XXXX XXXX XXXX  is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (VA)

Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CT)

My additional loan payment was incorrectly applied despite my explicit instructions to allocate 100 % of my additional payment to the loan with the highest interest rate. I made an additional ( extra ) payment of {$180.00} on XXXX/XXXX/2016, which I specified be 100 % applied to loan token # XXXX. The amount applied to principal was only {$200.00}. On XXXX/XXXX/2016 I also made an additional payment of {$180.00} to that same loan ( # XXXX ) and the amount applied to principal was {$200.00}. 

As is typical for any loan, the payment amount applied to principal increases as the loan matures. This can be confirmed by referencing the amortization schedule for the loan. 

Please explain how I am making additional payments and the amount being applied to the principal is less than the month before.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I formally disputed several accounts currently appearing on my credit file. In the initial dispute, I requested validation and verification of the said accounts, as they do not belong to me. 

To date, I have not received any documentation or proof validating the legitimacy of these accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to receive proper verification within a reasonable time frame. It has been two months since my initial communication, and I am concerned about the lack of response. 

I understand the importance of addressing and resolving discrepancies on my credit report promptly. Therefore, I kindly request that you expedite the validation process for the disputed accounts and provide me with the necessary documentation as soon as possible. This information is crucial for me to understand the basis of these entries and take appropriate action to rectify any inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX and have no home to live in because of BOA. 
In 2014 I was trick in to sale of my house, it was XXXX and very disappointing to experiences to learn on the day of the closing the BOA had canceled the sale, no reason given. 
Took all escrow money from me. 
The XXXX Real Estate Companies that was used to sale the house was dishonest and provided negative representation.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a XXXX XXXX position on XXXX, believing it to be a legitimate job opportunity. After the interview, I received an offer letter and completed a W-4 tax form. Subsequently, " XXXX XXXX '' ( XXXX ) sent me a check for {$4900.00} to cover the costs of purchasing work-from-home equipment, including a computer, printer, fax, and software. I deposited this check into my Wells Fargo account on XX/XX/XXXX. The next day, on XX/XX/XXXX, I transferred {$1500.00} via XXXX XXXX to XXXX XXXX for the intended equipment purchase. Later, Wells Fargo informed me that the deposited check was fraudulent. Despite the initial appearance of the funds in my account, I now find myself owing Wells Fargo {$1500.00} due to this transaction. I've explained to Wells Fargo that I was scammed, but they insist it was my fault and are unwilling to work with me or help me retrieve the money. This situation feels deeply unjust, as I had relied on the funds being genuine. While I may have found information about XXXX XXXX online, I am hesitant to reach out directly. Therefore, I am reaching out to Consumer Finance in the hopes of resolving this issue and having the {$1500.00} returned to my account, which is currently overdrawn. I have attached the following documents for your reference : - My conversation with the scammer in a PDF.

- Their XXXX XXXX information. 
- The offer letter that I signed. 
- The completed W-4 form. 

Below is the possible information for XXXX XXXX : Name : XXXX XXXX XXXX Age : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Current Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2020-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ME)

On XX/XX/XXXX, I made a payment of XXXX on my loan account which changed the balance from {$7300.00} to {$6300.00}. On XX/XX/XXXX, XXXX my account was refinanced by XXXX XXXX for {$7300.00}. 
On XX/XX/XXXX, I had a negative balance of XXXX. I contacted NAvient, requesting a refund of the negative amount to the loan account. XXXX, Loan Servicing Specialist, confirmed, the refund was approved, and a check will be sent in the mail. I never received the check. 
I called XX/XX/XXXX, following up with my Navient concerning my refund because I never received the check after speaking to multiple people. I finally talked to someone who was able to process the check. Finally, I received the check on XX/XX/XXXX. However, on XX/XX/XXXX, I checked my account, and there was a balance of {$1000.00}. This is a false balance. The billing statement should be XXXX. The loan lender is requesting double payment. I received the check because the account was over paid and was in a negative balance. I tired to contact the lender but have gotten no responce. 
Working with Navient in the past, they have consistently mismanaged my account balance. Every time I call the customer service agent is not helpful, and I have to talk to multiple people before I can get help
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NJ)

A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (FL)

I reached out to this company today, XX/XX/2022, to set up a payment arrangement on my account as I am unable to pay it all at once. I was told by the extremely rude collector that they will not accept a payment for anything less than the balance in full. I tried explaining it but the collector was so rude so I just ended up hanging up. I called back a few hours later and asked for the mailing address so I can mail in payments since they are refusing to schedule the payments for me on the dates that I am able to pay. I was told that if I mail in a payment they will just shred it and not apply it to my account. I have no issues paying, however, I am unable to pay it all at once and this company is not working with me whatsoever. I also asked to speak with a manager multiple times but was refused that option as well. I feel extremely bullied by this company and their practices.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC