davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you
Consumer complaint received 2015-08-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

I have an Apple credit card and really like most of its features. 

My problem, however, is that available card payment methods prevent me from paying off my balance. Interest of 10.99 % continues to accrue until their payment processing window opens up again and allows me to make a payment. 

Even then, amounts their systems 'allows ' me to pay are insufficient to pay off the balance. ( Presently, I have a comparatively small balance of under {$300.00} ) When I did internet searches for possible solutions to my problem I discovered that hundreds of people are experiencing the same problem. 

I called XXXX processor, Goldman Sachs, to make a payment over the phone and get rid of the balance that way. But, as reported by many others, they were unable to do the transaction. 

I just want to be able to pay off my balance monthly instead of accruing interest. But apparently this is not what Apple intends- they'd like to force me to continue to pay interest on a balance I'm trying to get rid of.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (FL)

A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2015-07-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract.
Consumer complaint received 2016-02-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (KS)

Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. 
We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. 
Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. 
They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my XXXX XXXX credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXXXXXX XXXX  had sold the XXXX XXXX account to XXXX. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to XXXX. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when XXXX took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact XXXX to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and XXXX have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

This account is inaccurate. First off, how can I have 8 120 days late payments. Instead of 120 days late it should have been collection account. When I had talked to a person at the XXXX XXXX XXXX they had said to me they would restore my account in good standing if I had made 8 payments on time and paid the account in full. This is not the point apparently since I am still dealing with this account. Also I had made the payments to this about in XXXX into XXXX not XXXX into XXXX but apparently this is wrong as well. You can see the information is wrong.
Consumer complaint received 2015-05-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (NJ)

Experian will not raise a credit score unless you sign up for Boost. The other 2 agencies give a score in the 700s.. Experian gives 612. That should be illegal. I paid off all collections and unless I pay for Boost, they are costing me higher interest rates and forced to pay a PMI when we get our mortgage.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

I had a mortgage from American Pacific Mortgage, but they sold it to XXXX XXXX in XX/XX/2016. Since then, I make all payments to XXXX XXXX. I just got a notice from American Pacific Mortgage in the mail which says : " We would like to discuss your American Pacific Mortgage loan. Based on current records, you may be eligible to refinance your current adjustable rate mortgage with no application fees and no appraisal fees. '' On top of this very misleading message, I've never had an adjustable rate mortgage. 
This is trying to get me to refinance by scaring me about a mortgage I've never had!
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We have had many loan servicing companies XXXX XXXX, XXXX, XXXX, XXXX and now Shellpoint ) and again one is sequestering money into the escrow account, only used for property taxes, that isn't needed for property taxes which suddenly disappears and they don't account for it. Though they have paid our property taxes ( {$5300.00} total for the year, XXXX payment was only {$2600.00} XXXX they have not accounted for the additional money that they put into the escrow account ( XXXX YTD total {$14000.00} XXXX which disappeared at the end of the year. 

The second issue is the inaccuracy of the mortgage statement. 
* I did not receive a mortgage statement for XXXX ( and it isn't listed in their online system XXXX. 
* The statements says past due amounts due prior to filing Chapter XXXX are not included in the mortgage statement. My sister and co-owner filed Chapter XXXX in XXXX to forestall foreclosure. Note that I have not missed a payment in over 6 years and have the bank records to prove it. 
XXXX The fact that the past due amounts do not correspond to my monthly payments makes the statements even more non-sensical. I not only called them about this but also wrote letters. One letters dated XXXX, XXXX. 
XXXX No clear accounting is made on the monthly mortgage statement of what amounts are in the suspense account. There are months where the partial payments listed equals a months payment but it isn't applied as a payment. This is also concerning. 

My inability to get them to correct these errors has prevented me from refinancing the loan and I don't trust their accounting of the balance of the mortgage. I currently am working with XXXX XXXX  to refinance and they stated that the only thing I need is a statement stating that the loan is current for them to finish processing my loan at a much lower interest rate. 

Your help with this matter will be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Thaxton Investment Corporation (TN)

I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.
Consumer complaint received 2024-01-12
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.