davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

I used Western Union " quick 15 minute pay '' to send a {$1000.00} credit card payment to XXXX XXXX XXXX. It never posted. Western Union blamed the problem on XXXX XXXX XXXX and vice-versa. After research, I learned that XXXX XXXX  accepts mortgage payments from Western Union but never credit card payments. My initial problem was, why does ( 2 ) multi-billion dollar companies have the transfer feature available as an option for service to the uninformed public? My total focus has been on the extremely poor customer service & resolution from WesternUnion. The wire was sent to them on XX/XX/2018. I have complained to them since XX/XX/2018. They told me it would take 24-48 hours to resolve. My money control number is ( MTCN XXXX ) and my internal escalated complaint case number assigned by the Western Union 's corporate office is ( XXXX ). I have left an urgent message for the President & CEO XXXX XXXX, corporate customer service escalation desk, reps, senior reps, senior customer service reps, without a resolution and recent hang-ups on me. ( Disgusting ). Please return my {$1000.00} today, it's already 14 days late. They should be able to ping & reverse payments within 15 minutes. My phone number ( XXXX ) XXXX & email address is XXXX. I have used Western Union for 25 years on other matters. But, after this experience, I find there service poor.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (UT)

I have been trying to get out of my mortgage modification trial. For over a year and a half through first colony mortgage. I have done it three times with them all because of technicalities that I had to redo it. I finally completed it in XX/XX/year>. I had even talked to their underwriter about it being complete and they were finalizing the paper work to resume payments. In the month of XX/XX/year>, they transferred my loan to a different servicer, PHH, and when I talked to them about resuming my mortgage payments they said that my loan was in default. I had explained to them that I had finished my Mortgage modification and that I should be able to resume my normal mortgage payments, PHH said they didnt have any paperwork on thatband didnt see anything from XXXX XXXX XXXX regarding my mortgage modification. They did say they could see in their paperwork that I completed the payments through the trial modification but they did not receive any final paperwork from XXXX XXXX XXXX  about it being completed. 

So PHH said I need to either pay the default, balance and full or restart the trial modification application again. I have tried to contact PHH multiple times and only get a voicemail. I have only been able to talk to on the phone one time and did not get nearly the information that I needed. This has been a nightmare and all I have been trying to do is resume my mortgage payments for the last year and a half and, these services are coming up with every roadblock they can think of and not helping me whatsoever. I have not received any paper work or anything from PHH on this matter. I have also requested a way to make payments on my mortgage in the mean time so things don't fall behind further and I was told I am locked out of the system from making any payments towards my loan. 

This has been a nightmare of a situation.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have tried to work with my lender and they continue to advise they don't receive documents. These people don't care that you are having a hardship and don't even look at the documents. I even have my counselor helping which he keeps getting ignorant reps who just say they don't get the documents. He spoke to XXXX today, who didnt even take the time to look for the last modification packet that was submitted on XX/XX/2021. Her customer ID was : XXXX
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Last year Capital One closed my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) unexpectedly for one reason : activity that is not consistent with the banks expectation ... I had purchased tires online as a gift for my son, whose father had recently died in his arms. This is what they closed my rewards card for. Never a late payment ; never over the limit. Last month, I decided to open another card with Capital One based on being prequalified for two of their cards. After applying, they congratulated me on the card, sent an email when to expect it in the mail. When I went to activate the card, the day I received it, I was sent to a representative. This person said it was bad. I immediately felt offended. Bad, how? He said my account was closed. I asked how could that be since I just received it, and was trying to activate. Instead of giving me a reasonable answer, he gave me the run around, acting like I did something criminal. In fact, I told him that I was offended, and this whole thing was humiliating to me. Why approve me for a card and then close it before I even used it? Heres more issues : I took another 4 point reduction on my credit score for applying after they prequalified me ; now Im waiting on another hit to my score due to a card I never used being closed by them not me! All this because I purchased tires for my son?! That is inconsistent expectations? Are they stalking every purchase? I do nothing illegal, Im a tax paying home owner ... I stand extremely offended. Not only did Capital One close one account for inappropriate reasons ; they closed two. Furthermore, the representatives were extremely demeaning and I do not appreciate being condescended to that something bad showed up on the computer screen! A tire purchase is the only think I could think of. They were over {$500.00}, but I paid them off right away. Other purchases were typical. Groceries ... gas ... I have had enough of Capital One. Their actions have cost me a lot of damage to my credit. Please help. Thank you in advance! XXXX XXXX
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (FL)

Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.
Consumer complaint received 2017-12-09
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. (IN)

In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH XXXX XXXX!!
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.
Consumer complaint received 2022-04-01
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. (FL)

Ive asked the XXXX, Experian, XXXX, and XXXX XXXX to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

Thank You
Consumer complaint received 2018-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (MD)

OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}.

I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms.

XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally.

Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a XXXX XXXX XXXXr with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.
Consumer complaint received 2018-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (MA)

I received a call on XX/XX/XXXX from XXXX XXXX XXXX telling me that my loan was delinquent. I logged into my account and noticed I made a payment for {$260.00} on XX/XX/XXXX. My account showed a past due of {$56.00} ( see attachment ), however the representative on the phone told me my past due balance was {$72.00}. I called back to inquire why it was not showing my past due balance as the correct amount, explaining that if I went by what the website was saying and made the payment for what was past due, I would still be delinquent. This inaccurate display of balances due was the reason the XX/XX/XXXX payment was not for the full amount, as I always pay the balance in full by selecting what is due. I spoke with customer service for XXXX XXXX XXXX ( on the line for over 35 minutes ) and I was told that there was an issue with their billing. I have four loans and only three loans were showing up on my bill ; the fourth was showing up on a different bill. They told me that they are working on resolving the issue. They also told me that I will not be negatively credit reported.
Consumer complaint received 2019-05-16
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. (MA)

I looked at my Transunion credit report with XXXX XXXX today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why Transunion told XXXX XXXX to report something and then lie about it, I called Transunion to try and figure out what is going on with this problem and some guy told me that XXXX XXXX is reporting false information so I asked they guy how can XXXX XXXX report something false when all of the information that they report comes directly from Transunion and then the guy told me that they have a relationship with XXXX XXXX but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame XXXX XXXX for it. I will also contact XXXX XXXX and ask about this.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OK)

Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NV)

Credit Collection Services has a collection reported on my credit reports for the amount of { {$760.00} }. I never did any business with XXXX. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of. 
Credit Collection Services never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on me. Attempting to illegally collect a debt that is not owed specifically is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Retail Recovery Service N. J., Inc. (GA)

I was trying to make a high ticket purchase and was advised that I have a judgement from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I closed a XXXX XXXX account I had back in XXXX. To my knowledge it was in good standing. I used the checks from that to pay my rent. After moving from NJ in XXXX I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in NJ I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agency, Retail Recovery Svc NJ Inc, did not contact me either. My phone number has been the same for many years. on XXXX XXXX, I called XXXX XXXX customer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where XXXX accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place at XXXX XXXX?
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

My original loan with XXXX XXXX XXXX Loans was transferred to Specialized Loan Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX ) XXXX. I have proof of every single payment ever made since the loan originated with the first payment due XX/XX/XXXX. I have a copy of the cashed check dated from XX/XX/XXXX and not once was a payment even XXXX day late. I had two loans with them, they applied a payment from one loan to another and then said my payments were late for the remainder of their ownership of the loan until it was transferred again. I spent countless hours on the phone with employees just hanging up on me. I have proof of emails showing the payments made. I went back to the original loan originator to help me resolve the matter, XXXX XXXX XXXX XXXX. They worked with SLS and confirmed their mistake and said they would remove the late payments. They would not acknowledge my credit dispute and I am now resorted to taking this up with a lawyer. As of XX/XX/XXXX, I received this response " I received a response back from XXXX XXXX XXXX ( SLS ). They have reviewed the issue and have removed any negative reporting that XXXX have occurred. It was discovered that you have XXXX loans ( XXXX and XXXX ). The loan number used in the bill pay check matched XXXX, but the address matched XXXX. Also, loan number was written on the check but then crossed out and replaced with XXXX. The loans have since been transferred to new servicers. SLS will work with them to correct any issues. '' This company has ruined my excellent credit history and is literally preventing me from obtaining a loan.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions