davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I inherited my father 's home after he passed away. My attorney whent through all the steps in court so I could be administrator of the estate and mailed copies of this to Bank of America. They said that they never received the paperwork and could not say or do anything for me because I was not on the loan. My attorney sent the copies again, and BofA stated they didn't receive those either. Bank of America would not expect my payments and returned my checks. I got a notice of foreclosure from them so I called about it and once again denied information so I faxed the copies from the court they denied getting them so I then emailed the paperwork twice in a week. 3 days before the sale of my home they said that they just got the email and would process it. I called every day after asking them to stop the sale so I could take over the loan and refinance. I was sent to 4 different people on the phone before being told they were still processing the papers. I had 2 people  come to my home on the day of auction and tell me they just bought the house. Bank of America never once tried to help me do anything to take over the loan or stop the foreclosure this has been going on for a year since my father died. I was never given any options and they sold MY home out from under me forcing me and my children to be XXXX.
Consumer complaint received 2019-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

The Lender, Navient, has on multiple ocassions called distant and immediate family members and stated the purpose for their call. As per the law, they are not allowed to disclose any information that would indicate to the call recipient the nature of the call. This has not been the case. There for they are sharing my personal financial information with others. 

This has occurred several times during the month of XX/XX/2019 2019
Consumer complaint received 2019-11-19
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. (CA)

I currently have a loan with XXXX XXXX, XXXX XXXX XXXX  XXXX. The payments are $ XXXX  monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX  account was left open with sufficient funds for over 90 days to allow my original XXXX  to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX  and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I changed my autopay option on my federal student loans with Navient to use my new checking account. My old autopay was coming from a joint account with my ex-wife and I do not want that exposure anymore. I received an interest rate discount for being enrolled in autopay which I lost despite me re-enrolling in autopay seconds after cancelling my old autopay. Navient has stated that my interest discount will not go back into affect until XX/XX/XXXX which is the next autopay due date. Today is XX/XX/XXXX so I will be charged a higher interest rate for over a month. I have spoken with Navient and they stated there is no way for anyone at Navient to fix the interest rate discount and they are unable to simply modify your existing autopay to a different bank account without cancelling your old autopay so you do not lose any autopay discounts offered on Federal Student Loans.
Consumer complaint received 2019-11-19
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2019-11-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I have received phone calls from multiple numbers about a past due debit when I would state Hello the call would end. Today XX/XX/2019 my mother XXXX XXXX, father XXXX XXXX and step mother XXXX XXXX have received numerous phone calls about arresting me if I didn't pay the past due debit right away. My mother was left voicemail releasing information about my self and the debit. 1 out of many voicemails I received stated " XXXX XXXX this is XXXX XXXX contacting you regarding your case in the process to be filed for XXXX County my wall when your case number XXXX is filed it does become a matter of public records and an order for your location I wasn't able to reach you by phone today so I was now instructed to contact your employer and speak with your supervisor because that is your most likely right to make contact with the office the case before the order is released when the case is filed discharge that we no longer be an option all legal rights will be forfeited in the phone number to the office the case has been provided to XXXX speak with the legal department our reference case number is XXXX is your legal notification by telephone XXXX   you will now be located we in less we are instructed other wise ''. My father XXXX XXXX was told I ( XXXX XXXX ) would be arrested and toking to jail for not paying the past due debit. The lady named XXXX stated she would be going to the home of XXXX XXXX XXXX XXXX Ks to pick me ( XXXX XXXX ) up. My step mother XXXX XXXX was contacted and making threating tactics " we will '' pick XXXX XXXX up due not getting the funds right away. I have never lived at XXXX XXXX XXXX. I have attached 1 of the voicemails below.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (IA)

On XX/XX/XXXX, I talked to XXXX XXXX, who was said to be a senior account manager for the XXXX XXXX XXXX XXXX ( premier student loan center ). She had me sign electronically some forms and send her my XXXX 1040 tax return for proof of income. Shortly after that I got conformation by email from XXXX XXXX that my proof of income was received. A few days later on XX/XX/XXXX I received an email requesting more copies of proof of income by a man named XXXX XXXX who also worked with XXXX XXXX. I then called them both with comments and concerns since I had already sent proof and was sent conformation proof was sent. The plan was said that I would pay {$240.00} per month for the first 5 months and then after those 5 moths I would be paying only {$22.00} per month until loan is paid off. I asked if I could pay more if I was able to pay more and I was denied that capability because they said then I wouldn't qualify for the forgiveness plan. On XX/XX/XXXX, I received confirmation from XXXX XXXX by email that my first payment of {$240.00} was processed and received. ( on the email it said " last '' assuming that was a typo ) as it was agreed my payments came out on/or around the XXXX of every month. I thought my loan was getting paid off and everything was good ... On XX/XX/XXXX, I received an email from XXXX about a Lawsuit - Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a/ Premier Student Loan Center, et al. As soon as I got this email I immediately contacted my loan servicer ( XXXX XXXX ) I talked to a woman who informed me that they have NOT received any form of payment from the XXXX XXXX XXXX XXXX or Premier Student Loan Center. So where was all the money I sent to pay off my loans going? I then called my bank and asked to stop all payments to the company and as I was going through my history I noticed that the names on the transfer changed ever so often. At the end of the day this is devastating to say the least.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

The following letter was sent via inbox/upload email to them ( some modification occurred due to having personal information ) : Good Morning Navient, I have submitted paper works back in XX/XX/2019 about my Navient account history, not reflecting the {$200.00} paid and withdrawn from my XXXX XXXX XXXX   account on XX/XX/ 2019. This will be my second time reaching out. I received an email in my inbox/upload that just showed my account history even after providing the documentation needed to show that {$200.00} was withdrawn from my account. I am therefore provided the documentations once again along with my bank statement and confirmation email I received from your team. I am hoping that we get this solved as I plan on making payments.
Consumer complaint received 2019-11-19
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 — Problem with personal statement of dispute
Company: Firstsource Business Process Services, LLC (MO)

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAlso XXXX there is an account that was previously deleted and re added One Advantage that I would like a certificate of accurancy.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

Secured FFEL loan. Loan was transferred to different servicers. Made numerous payments on loan. Servicer would not provide verification of loan payments made and balance owed. Made written demand for information through my attorney and servicer never provided any written verification of loan amounts. Servicer has turned matter over to collection instead of providing information. 

Tried to attach letters sent to servicer RE documents, but CFPB website would not let me upload the documents.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NH)

Co-signed XXXX XXXX lease for my son with Gm Financial in XX/XX/XXXX.Total amount of lease totalled {$10.00}, XXXX. It is a 3 year lease. Credit Monitoring company had notified me by email on XXXX XXXX that my credit report drastically change, therefore lowering my credit score. As I looked into, I notice my balance on the car lease went from the original {$10000.00} to a staggering {$19000.00}. Now, let me explain first off that I paid almost the entire lease payments early- minus one last payment as you can not pay off the entire lease early without penalities so I left one last payment. My credit reports for the month of XXXX, and XXXX report only the lease payment balance. I mailed in a big check of XXXX in early XXXX, and then an additional payment on the XXXX of XXXX for $ XXXX totalling {$10000.00} I paid most of the lease off early as I am in the process of buying a house, and wanted to lessen the " debt '' on my credit report by paying down most of the LEASE. I called GM Financial at the end of XXXX as I was concerned they had not UPDATED the fact I made the big payments on my balance. I was informed by GM employee that they report to the Credit bureaus at the very end of the month XXXX or day after. When I checked my credit on XXXX, XXXX I noticed GM HAD NOT REPORTED THE LARGE PAYMENTS MADE 3 WEEKS PRIOR.Alarmed, I filed a DISPUTE with XXXX  stating the fact that the original balance of XXXX should now reflect only {$290.00}. When I got the notice on XX/XX/XXXX from the monitoring agency that my balance went up drastically, I immediatley called GM and was told they must of reported the wrong balance and gave the credit agency the " RESIDUAL '' balance. I informed them that this was a LEASE. I did not sign any contracts stating I am buying the car at end of lease. I would trade it in. I AM NOT BUYING THE CAR. They never reported a Residual amount in the beginning yet they got confused when XXXX called regarding my complaint that I was not credited with making that XXXX, XXXX payment. When the clerk at XXXX asked GM lease  employee what the balance owed was the person actually looked up the residual amount ( had i PURCHASED the car at end of lease and remember, they never reported in the past a residual fee. Always had a original balance of {$10000.00} on my LEASE. I can not get a home now because my debt to income ratio is now off the charts- I went from a balance of {$290.00} to {$19000.00}. GM Financial refuses to clear this up- they said it's a residual amount if i decide to buy itl. WELL, I AM NOT BUYING IT AND THEY NEVER REPORTED THAT AMOUNT PRIOR ... JUST THE LEASE BALANCE WHICH STARTED OFF AT {$10000.00}. PLEASE PLEASE PLEASE CORRECT THE BALANCE TO REFLECT THE AMOUNT OWED IS {$290.00}. I DO NOT OWE {$19000.00}
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (KS)

Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX  that they bought XX/XX/2015. This was removed from my XXXX  after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. 


CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX  {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

I received a letter from XXXX XXXX XXXX law firm out of XXXX, GA stating I owed a debt of {$3200.00} for a Best Buy VISA card ( Citibank NA ). Account ending in XXXX. XXXX XXXX  # XXXX. I attempted to call the law firm on XX/XX/XXXX ( left VM - no return call ), and XXXX multiple times. I was told on XXXX that a Mr XXXX was my case manager and forwarded twice to his voicemail which dropped me back at basic recorded message. I could not leave a message. I then ran my credit report and found out more information. The card was supposedly opened on XX/XX/2018. I called Best Buy/Citibank and they said I would have to deal with the law firm. They provided an additional number and I left a voicemail. This is not my debt.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (CA)

Friday XX/XX/2019 Central Portfolio Control , Inc. Called my number it went to voicemail they left no message. The weekend before I received a letter of the debt that I owe but at this time I have no job to be able to comply to pay the debt that is owed. Monday XX/XX/2019 Central Portfolio Control called my house again all in 1 hour they repeated to call my house. 4 times they called my home this all happened at XXXX o'clock and the third time I pressed one to speak to someone and they hanged up again. XXXX o'clock they attempted to call me again and they hanged up again. XXXX o'clock they called again and they repeatedly hung up on me again. Now I rather to receive mail from them and to not call my home again because this is nonsense and unprofessional way to get a consumer to pay their debt. 
No more phone calls just contact me by mail.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SYSTEMS is a collection agency for XXXX. XXXX claimed I owed them XXXX for a phone I never received. However i found out they delivered the phone to the wrong address. Yet they still have this on my credit report. I have asked them multiple times to remove this. Yet they still refuse and continues impact my credit score. This is wrong and I want this company to remove all information and derogatory penalties they have placed on my report.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with XXXX, Transunion and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.