davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TX)

I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!
Consumer complaint received 2016-03-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen placed lender insurance on my property backward in time, communicating their decision XX/XX/XXXX with letter dated XX/XX/XXXX but insurance effective date of XX/XX/XXXX. They state there was a lapse in insurance, but the fact is the property is insured through master condo policy, and they never asked/explained/requested additional insurance for the interior before. 
In addition, the insurance they purchased was for an address that is not a match of my property address. 
I made numerous calls trying to resolve the issue in the best possible way I can ; I purchase the additional insurance XX/XX/XXXX, and requested a full cancellation of the lender placed insurance, but they denied my request. Since then, I am being bombarded with lots of letters from them.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (NC)

This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (TX)

This collection agency reported XXXX seperate negative accounts, to my XXXX credit report. I have no knowledge or records of such debt. I sent the collection agency a certified letter, requesting validation of the alleged debt, on XXXX/XXXX/2016, to the address reported as Agency Address on my credit report. The letter was returned back to me, as an undeliverable address. I 've also tried contacting by the phone number also included on my credit report, but the line just rings nonstop, never being answered. I contacted the original creditor, XXXX Hospital XXXX, on XXXX/XXXX/2016, trying to figure out any information for these accounts. I spoke with XXXX in the billing department, and she informed me that I have no such accounts or balance amounts, being reported by the collection agency, in their records. She also informed me that National Service Bureau XXXX has never been used for their collection services in general.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!!
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (TX)

I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

I am currently making interest only payments through Navient on my private student loans. The standard payments are so high that I can not afford to pay them and afford to take care of my family. Recently, my wife gave birth to our daughter that was born with premature with XXXX XXXX and XXXX / XXXX XXXX. Due to this very serious condition my wife, who also has student loans, had to stop working and we can no long afford to pay the monthly payments that has been requested. Also, it appears that due to high interest rates on these loans that I may never actually make payments against the principal balance while paying minimum. The current and " affordable '' payment plans would have me paying back on these loans for the rest of my foreseeable future. The payment plans allowed to me are cruel and unforgiving. I am unable to see a way out of this debt and my current path is leading me toward default with no possible alternatives. All of this is due to the manipulative recruiting practices of the XXXX XXXX XXXX XXXX XXXX. While attending this school I never acquired the skills I was promised and often coerced into signing for additional loans I did not understand in order to finish out my degree. Lastly, I was promised job placement at 'predicted ' wages that were never fulfilled. I 'm seeking aid and/or possible loan forgiveness due to unethical recruiting practices and having been coerced into signing for additional student loan funding I did not understand.
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (IA)

i purchased a auto loan with GM financial. My interest rate is almost 18 % and i have found out from other lenders that my auto is underwater. I have tried several time to get my car refinance and no other lender will touch the loan, i am being charged over XXXX more than what the vehicale is worth. I keep attempting to get out of the loan however, can not find a lender. 
first of all back in 2012, i was told the rate was 11 % however when the final paperwork was done it was over 18 % this is preditory lending because i am XXXX XXXX women. please send me someone that can help me. i need help.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (OH)

MRS BPO was served a debt validation and cease and desist letter on XX/XX/year> and they have violated it. They have continually contacted me via text without providing any validation of the debt. This is a violation of the FCRA.
Consumer complaint received 2016-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. 
I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.
Consumer complaint received 2016-03-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/XXXX I spent over 2 hrs with Wells Fargo payoff and then transferred to Preservation unit regarding the {$92000.00} Permanent Forgiveness on my Deferred Principal after three ( 3 ) years of Good Standing per my Modification Agreement effective XX/XX/XXXX. As usual no one has a clue. See attached modified agreement. I 've contacted Wells Fargo many times over these past 4 years for other concerns to never get an answer. My other concerns were the continued Negative Amortization on my loan until agreement above, see enclosed XXXX/XXXX/XXXX statement ( Wachovia ) with monthly deferred interest still being applied. The National Mortgage & State of CA settlement in XX/XX/XXXX against Wachovia 's Pick A payment Option were too reverse these Neg. Amortization, from principal immediately and offer a modified agreement with new interest & principal with automatic XXXX award to all class member B which I was at that time. 
My other concerns Wells Fargo payoff could n't explain back in XXXX is the {$200000.00} deduction on XXXX Cancellation of Debt reported to IRS. Where this {$200000.00} was applied? Modified Agreement total with ( XXXX ) principals was {$390000.00}. 
The Neg. Amortization. was applied to my mortgage balance from XX/XX/XXXX through XX/XX/XXXX monthly, but not reflected in the {$390000.00} Modification agreement from a transfer balance of {$490000.00} ( OLD ).
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

i have been banking wells fargo 9 years. in that time i have not bounced much at all this past year i did and it was due to mortgage making a mistake. right now as of this writing i am minus XXXX dollars as my tenant breached her lease and did not pay me at all.XXXX for many years i did not receive. before that she paid partial payments. for last 2 months. i never forecast this and as such payments had been scheduled in advance. inc a payment for the house. that she did not pay. Proper review of this matter to prove this is not my history would reveal that XXXX there. no one took the time to do this. leaving the fees guarantees i will cotninue to bounce. making the whole situation a lot worse.all the scripts i get are unbelievable. no one sees i am responsible and had i known my tenant would not pay at all i would have taken steps. i did not know. now i do. i will need all fees back and for the bank to see this is NOT my conduct or record and that i usually get XXXX at this time.
Consumer complaint received 2016-12-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX/XXXX/2016 Bank of America credit card statement. As soon as monthly statement cut on XXXX/XXXX/2016, I electronically scheduled to pay the minimum payment as presented on statement. I did not know what the minimum payment would be until after the statement cut on XXXX/XXXX/2016. Bank of America applied this XXXX/XXXX/2016 payment ( posted XXXX/XXXX/2016 ) to the XXXX/XXXX/2016 statement even though they previously applied a XXXX/XXXX/2016 minimum payment to this statement and after the XXXX/XXXX/2016 statement was cut. Why would BofA apply a second minimum payment to a statement that had already been cut? Why tell me what the minimum payment is for next minimum due before they are ready to apply payment to appropriate statement??????? My conclusion - CEOs & CFOs lay awake at night scheming to rip off customers next day. This is a prime example. Even though they did credit late fee charge, now my new minimum payment due is {$45.00} " past due payment '' plus current {$44.00} for new payment due of {$89.00}. I have asked for a corrected statement to no avail, even though XXXX customer service reps including a supervisor told me one would be sent. Preposterous. And banks do not understand " lack of trust '' in financial institutions. I feel like the bank has committed fraud against me even though I had to talk to their fraud department to get the " late fee charge '' reversed. 

How can it be that BofA can tell me what the minimum payment is before BofA can apply an online payment for that minimum payment due?????????????????????????????????
Consumer complaint received 2016-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). 

SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (CA)

The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Direct Recovery Services, LLC (CA)

I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???