davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I received an email about getting a job at XXXX XXXX XXXX for a 2D/3D artist job. It said for me to communicate with them about the job through an app called XXXX and speak with someone by the name XXXX XXXX. They had an icon that also said XXXX XXXX on it to make it seem legit. I communicated with them there and they told me the benefits and a XXXX XXXX tablet that they will send to me. They then direct deposited me {$7500.00} to my Bank of America account through XXXX. They then told me to send the money of to a guy named XXXX through XXXX so I can get my equipment set-up. I transfer over {$2600.00} to XXXX through XXXX. The bank gave me a notification warning saying I can't send money over the {$3500.00} maximum amount within 24 hours. They gave me new instructions to go a deposit the money on to gift cards, mostly XXXX gift cards to divide the money in to small parts. Once I did that, I had to message them back with the gift card 's stripe number to confirm and send the money directly to XXXX. This process was going on for 5 days. Mid way they sent me {$4600.00} to be processed to my BOA checking account. They then, message me again saying they need more money and if I could send them {$500.00}. I questioned this and rejected there request telling them I am in college I don't have that amount of money. When i asked, they suddenly stopped replying and dropped contact with me. Complete vanished and took down their XXXX XXXX studios icon. My checking account then received a nasty amount- {$4600.00}. I called Bank of America and disputed this claim and they said they would call me back if they resolved anything. I opened up a new checking account so I can pay my bills and received direct deposited normal until this is resolved. Months go by I would call them from time to time asking about the status on the claim I filed. They said the investigator are still on this and that they will call me when they find anything. Months later up until XX/XX/XXXX, Bank of America closed my checking old account with the - {$4600.00}. I though this was a sign that they cleared it and the issue was solved. But not too long, the bank forcefully starts taking money out from my new checking account and sent emails saying I have a negative balance on my old checking account saying I am still responsible for paying the amount, even though i never spend nor send any of my own money and that the money being deposited back and forth through XXXX was not my money. It was the scammer 's money. Now as of XX/XX/XXXX I have received money from the school of {$2000.00} to pay my tuition. It was sent my BOA checking account ( the new one ) on XX/XX/XXXX overnight at XXXX. But at XXXX, Bank of America XXXX the {$2000.00} out of my account and now it is on hold. leaving me with only {$25.00} on my account.
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MN)

My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MT)

I am curious how XXXX is supposed to pay their mortgage on time when the Department of Social Security refuses to pay benefits until the end of the month regardless of the supporting evidence that shows all bills are due before payments are given. Contacting the mortgage lender does no help as they will not adjust the payment due date. So I will never have good credit because the servicer reports my payments as late every month regardless if they are made before the XXXX. So I am never eligible for a home equity loan that could help me beyond words. The SSI sets recipients up to fail and the mortgage lenders/servicers are there to watch and support the failure. How is legal. Why are adjustments not made? Does the US feel we should always and forever be in bad debt? As a XXXX person no amendments are made to secure one 's financial future or stability. Go America.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery DID NOT DISCLOSE THE DATE OF THE LAST ACTIVITY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the DATE OF LAST ACTIVITY TO XXXX, XXXX   OR XXXX credit agency. In Portfolio Recovery response to previous complaint, they only stated this XXXX adverse account was opened in XXXX and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the DATE OF LAST ACTIVITY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the DATE OF THE LAST ACTIVITY. The bill statement does not reflect any activity of the account holder. I formally request this account be removed from my credit report.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.
Consumer complaint received 2023-03-17
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. (CA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (MI)

Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.
Consumer complaint received 2023-03-17
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I wanted to buy furniture from XXXX. I was told that, with a XXXX credit card, I would get {$40.00} off my order. I applied and got a form letter from XXXX Bank, saying credit was denied, based on information from Experian. After hours of phone calls, I was told that XXXX XXXX where I had a card, had submitted an incorrect SS number for me. ( I have n't used that card for several years. ) I disputed and got a communication from Experian to the effect that they completed the processing of the dispute. However, the Experian web site still reflects that I 'm " in dispute. '' I called XXXX, but they are unable to change it, of course. I think it 's wrong and unfair that I never had a chance to review the information submitted about me to make sure it is accurate. Also, now that it 's be resolved, why should it remain for so long as if it has n't been. My credit score, according to Experian itself, is XXXX, which that outfit itself calls " exceptional. '' I protest this sloppy, indifferent, and infuriating refusal to remove this " dispute '' thing immediately. Their cynical disregard for my credit standing, effort, time, and frustration, should be recognized. I should be embarrassed to pull the age card, but I will, anyway : I turned XXXX in XXXX and I believe this is actually affecting my well-being. Thank you. 
Note : I tried to attach the letter from XXXX, but was unable.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: ENOVA INTERNATIONAL, INC. (IL)

They were very evasive about the interests when I was questioning them. 
The money within the account before I can even see though contract. The more I question them about the text or the interest rate the more evasive they became it was manipulating and misleading
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of XXXX.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

I am being contacted by Credit Control, LLC., XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX in their attempt to collect a debt for said XXXX XXXX rendered by the original creditor XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, for services that were never provided to me at any time. 

I have already had to dispute this matter with XXXX other previous debt collection companies as well as to have their negative reporting to my credit report removed and I have on every occasion proven to be exempt, and or at no-fault to these claims. 

I have written and sent via USPS Certified mail a letter to Credit Control , LLC the most recent collection company to AGAIN request they prove my legal liability for this debt. 

As it appears that this specific debt continues to be resold and purchased by separate debt collections company 's I would like to know how I can end this cycle and stop this fraudulent and unfounded debt collection nightmare?
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WA)

I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CO)

My mortgage company " loanDepot '', which collects monthly escrow for my property tax payment was supposed to make the property tax payment on XXXX XXXX, 2016 to XXXX XXXX Treasurer. They did not make the payment. I had called them twice and was told that they will make the payment prior to them transferring the servicing of my mortgage to another company on XXXX XXXX, 2016. Instead " loanDepot '' transferred my escrow balance to the new company ( XXXX XXXX ) on XXXX XXXX, 2016. I called the new company and they said they will put a note to pay this property tax bill which becomes delinquent after XXXX XXXX, 2016. I checked the XXXX Treasurer website today ( XXXX XXXX ) and my property tax payment still has not been made. That is 5 days away.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.
Consumer complaint received 2017-02-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We paid our XXXX 2016 mortgage payment to Citi ( I have proof of deduction from my bank statement ) on XXXX XXXX, 2016. Citi transferred our payment to a different dept and then reported us 30 days late on our credit which is ruining our credit profile but more importantly hindering us from refinancing where we could save over {$800.00} per month. We were not 30 day past due. We have not been late on our mortgage for more than XXXX which I have records and documentation proving so. And the only reason we were late XXXX ago was because we were advised to do so to secure a loan modification. This is a HUGE problem for us and we need this reversed immediately.
Consumer complaint received 2016-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA ()

I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

My loan is being serviced by Amerisave. In addition to my regular monthly payment, I have been sending {$2000.00} in additional curtailment every month. Each month, Amerisave records the amount as {$120.00}. Each month, I contact them to request it be corrected. The corrections are resulting in wildly erroneous calculations and my outstanding balance is not being calculated correctly.
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.