davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ALTERRA GROUP, LLC (AZ)

Hello, I was notified in XXXX of XXXX that my mortgage was purchased by Panorama Mortgage. On XX/XX/XXXX I was sent a welcome letter via email instructing me to pay my first payment for the month of XXXX to Panorama Mortgage using a link. I used the link and payed my mortgage on XX/XX/XXXX. I received an emailed receipt. 

Since then I continually receive letters stating I am late on my payment. When I call Panorama Mortgage, they tell me they have a sister company with the same name and that I wired them the money. In addition, I was told they would not do the leg work involved in retrieving the money from the other Panorama Mortgage.

I proceeded to call the other company and after two weeks of calling them, they said, on XX/XX/XXXX they wired my mortgage payment over to the correct Panorama Mortgage company and they show it being deposited on XX/XX/XXXX. 

I am still receiving late notices. Ive tried to call Panorama Mortgage to confirm receipt and get the funds posted to my account. They will not do anything to correct the issue. 

It appears there is some type of fraud occurring here, either to generate late payment fees, or utilize mortgage payments for other transactions that they are not intended for. 


Mortgage is owned by : Panorama Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Company that sent me the link and welcome packet to pay my first mortgage is : Panorama Mortgage Group , LLC. 
XXXX XXXX XXXX XXXX XXXX, Site XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After pulling my credit report I noticed that XXXX, Transunion, and XXXX have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, XXXX has allowed for my information to be shared with various companies without my consent or consideration, a few being : 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 Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Consumer complaint received 2016-12-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

For the past year, I have been unable to make extra payments online. Whenever I try to make an extra payment, I receive an " error - payment could not be processed '' message ... every single time. In order to make an extra payment, I need to navigate to an option that allows me to use the old version of the website, and then I am able to pay an extra payment. Navigating to the old website is not easy to do, no where does it say you can still do this ( I stumbled upon the option by accident ), and this error has been happening for several months and is clearly an attempt to stop people from paying their loans ahead of schedule.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I am a Veteran and I was on a steady payment plan before Navient took over my loan. I paid faithfully every month and when they took over they stopped the payment plan I paying and started calling harassing me about paying excessive amounts when I was paying based on my income. I have put in for a hardship with them and they denied me once again still demanding a high monthly payment.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I lost my job in 2010 during the recession, I contacted Bank of America to see if they could work something out to lower my monthly payments. I did not want to risk not being able to make full payments and ruin my perfect credit due to the reduction in income. The representatives said there was nothing they could due because my account was current and they did not have any programs for which I was eligible. I continued to make timely payments for as long as I could, but one month I was n't going to be able to make a payment at all. I had worked on a project and was expecting a large sum of money but I did n't know exactly when the payment would come. I called to tell them but they gave the same response. After falling behind that month, they then advised me to apply for a modification. I applied for the modification and they said it would take about 30-60 days to complete the process. In the meantime, money from my project came in and I was able to pay myself current on the loan. I contacted BOA to tell them that I wanted to pay my loan current but they said that they could not accept a payment and that I should wait for the modification to go through. Then the robo calls started. The scenario consisted of an auto call, then a rep got on the line saying they were contacting me to see if i could make a payment. I would tell them that I could ; then they would transfer me to another department. That rep would then say they could not take a payment. This harassment went on for well over a year. They would call 5-6 times daily, pretending to be collecting a payment. When asked about the modification, they would say it was still pending. Yet, they started foreclosure proceedings event though the " modification '' was still pending. In desperation, I contacted an outside non profit. Through their assistance the foreclosure proceedings were stopped within 15 days of sale of my property. Then the modification finally came through, but the mortgage payments were even higher than they were initially. It was a complete nightmare. 
BOA sent me a check for {$500.00}. It said " settlement '', but there was no explanation nor admission of wrong doing included with the check. I was only recently made aware of the damage they have done to my credit with this situation. Then I did an internet search and ran across an article that reported what BOA had done to thousands of its customers in an attempt to force us into foreclosure by rejecting or delaying modifications. I did n't know about the lawsuit at the time or that they were doing this to thousands of customers. I just cashed the check and went on with my life. They were sued and sent us these measly settlement checks. Yet they have not cleared my credit and it is preventing me from moving forward with my life. I have contacted the reporting agencies and they say BOA responded that their reporting is accurate when in fact it is not.
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (TX)

I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (NC)

XXXX has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XXXX  XXXX allowed Credence Resource Management to report an un-investigated report that Credence communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! XXXX has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!
Consumer complaint received 2020-06-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Hello a collection account has been added to my credit report that is unknown to me SEE ATTACHMENT. I disputed this account with all three credit bureau 's that came back as verified. Which is impossible being that this account is unknown to me. Please send me any documents that you may have for my records of a signed agreement for this account.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (GA)

my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MO)

i went to XXXX XXXX on XX/XX/2021 i had appointment for XXXX XXXX  and the exam was rushed and i told them they said my XXXX needed to adjust i bought frames under my insurance and had to pay for lenses with card a week later i got my glasses and they were blurry and could not see out of them i told them they told me to give it a week which i new was a lie just to get me out the door because they were packed i called up there and told them what happen and they told me that they would redo the XXXX XXXX and troubleshoot but she was acting like i was going to have to pay for lenses again she just didn't want to say it i told them i would return them and they could charge the insurance for the frames but i wanted a refund for the lenses they said no and i recorded the phone call to so i went to my bank and told them and they filed a charge back for not providing services i paid for and they put the money back in my account and 45 days later i get a letter saying this was overturned do to merchant submitting a copy of the charge which has nothing to do with the services i was not provided i feel this is wrong that a business can XXXX me over like this and my bank whats to side with them.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I have never missed a payment and have been in good standing, despite staggering loan amounts and questionable forbearance practices by my lender that caused my loans to balloon well beyond their normal value. 

Going from 8.99 % to 15 % in a matter of a few months is ridiculous and also coincided with weekly mailers trying to urge me to use Navi-Refi . It seems like they jacked my rate as high as they could in an effort to get me to refi so they could cover their risks of canceling my loans. Had I met the default criteria, my loans would have been discharged as a part of the multi-state settlement from litigation over forbearance practices and other questionable behaviors.

All of this aside, I tried to go through the proper channels to get a rate reduction, but I was denied because that wasnt available at that time.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Dakota Financial, LLC (TX)

Hello, I hope this letter finds you well. I am writing to file a complaint regarding the exorbitant interest rates and unfair practices associated with a commercial XXXX XXXX XXXX XXXX XXXX ) loan that I have obtained from Dakota Financial. I believe that the terms of the loan are unjust and require your immediate attention. 

On XX/XX/2022, I entered into an XXXX loan agreement with Dakota Financial to finance the purchase of a commercial vehicle. The loan amount was {$55000.00}, and as per our agreement, I made a substantial down payment of {$23000.00}. However, to my dismay, this down payment was not properly applied to the value of the vehicle, as it should have been. This discrepancy has resulted in an inflated loan balance and has placed an undue burden on me as the borrower. 

Furthermore, I recently requested an early payoff quote from Dakota Financial, and to my surprise, the quoted amount was significantly higher than what was originally agreed upon. This discrepancy is deeply concerning, as it suggests that the lender is imposing unjustified charges and fees, which are not in line with the terms and conditions of the loan agreement. 

To date, I have already made total payments of {$47000.00}, which includes the down payment and subsequent monthly installments. Despite this considerable sum, it appears that the loan terms have been structured in a manner that unfairly benefits the lender, with an effective interest rate of 100 % or higher. Such exorbitant interest rates are neither reasonable nor compliant with fair lending practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Dakota Financial for these unfair and deceptive practices. I urge you to ensure that the lender revises the loan terms to reflect the proper application of the down payment, provides an accurate early payoff quote, and rectifies the excessive interest charges. 

I have attached copies of relevant documents, including the loan agreement, down payment receipts, and correspondence with the lender, for your reference. I trust that the CFPB will act promptly and diligently to resolve this matter in a fair and just manner. Your intervention will not only protect my rights as a borrower but also serve as a deterrent against such unethical lending practices in the future. 

Thank you for your attention to this matter. I look forward to a favorable resolution.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (IL)

The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (GA)

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open account and the associated late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : Despite my continued efforts, the late open account has not been corrected, and the associated late closed and charge-off status remains on my records. 

I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify the late open account and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assistance to correct these late open account and remove tha late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX Balance : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I placed an order on XXXX. This is an international item. Tracking here https : XXXX shows that the item was returned back to the seller and could not leave the country of XXXX due to having a restricted item ( a battery ). XXXX has refused to provide a refund despite telling me they will and has provided fake fulfilment documents to Paypal. 

I contacted PayPal and it appears they are siding with the seller 's fake fulfilment documents. XXXX is a scam, and PayPal is an enabler. 

PayPal Case ID : XXXX
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$680.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.