davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I graduated from college two years ago with a degree in XXXX XXXX with the hopes of becoming a XXXX. However, because of difficulties with the credentialing process and the state, I graduated with {$120000.00} in student loan debt ( that XXXX XXXX easily supplied to me ) but no teaching credential. So after some rough times I have finally found a steady job working full-time in XXXX at $ XXXX ( rather high for XXXX ). But now after several deferments and forbearance, Navient ( who XXXX XXXX sold my loan to ) has come asking for their money back, now totaling {$130000.00} and are asking for roughly $ XXXX, which is roughly half my paycheck. And I live in XXXX, which already requires a high rent and cost of living, and moving home is n't really an option for me because I am from the XXXX XXXX. 

I 've called Navient several times to try and find a way to extend the term of my loan, renegotiate payments, consolidate all my loans, and see just about any option they have of lowering my monthly payments. But because my loan originally comes from XXXX XXXX, they always say the only option I have is forbearance, which I am running out of. I would like to save some forbearance in case a time comes that I lose all of my income or something drastic happens. After pleading with them they have given me no options. My parents ca n't afford to help me pay that much every month. 

So the only optioned I thought of was to refinance with another bank that would be able to lower my payments. Well, because I have such a high debt to income ratio, no bank will approve a refinance loan. My credit is good. I have a couple missed payments but nothing too major. But I see no way of increasing my income or cutting my costs to the extent of being able to drastically alter my debt ratio to the " acceptable '' point for the banks. And still, after all of this, Navient wo n't negotiate my loans. It has come to the point that I have thought about just not paying my loans back and suffering the consequences, which I would fully do if my mother were n't the cosigner on my loan meaning that defaulting would also wreck her credit. But now I feel like I have no other options left unless it 's taking on odd jobs such as selling XXXX or renting our couch out on XXXX.
Consumer complaint received 2015-07-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am getting deprived off of my opportunities all because my credit scores do not meet their standards. I blame this on the inaccuracies that are being reported on my credit. I sent complaints beforehand and was continuously ignored. I need immediate action.
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armada Corp. (WA)

I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc. (OH)

For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (CO)

I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

My loan was transferred from XXXX to Aidvantage. I was notified of a payment due XX/XX/year>. On XX/XX/year> {$3500.00} was taken out of my account for my student loan payment. This is over double the amount I was paying with the previous lender. I have called over XXXX times to discuss this with no resolve. No one is able to give me an answer as to why the payment over doubled and why the payment was taken out before I was notified.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX  directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX  violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX  violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX  constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (OR)

Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.
Consumer complaint received 2016-02-23
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

I received a letter addressed from Ally financial services regarding an " inquiry '' based on information Ally Financial provided to credit reporting agencies. The letter also provides me with an account number and vehicle information for a XXXX Honda Accord including the VIN number. 
I have not purchased a car since XXXX and when I called Ally Financial information and attempted to get information from a representative named " XXXX, '' he acted very cagey on the phone with me and did not provide me any information. When I asked to speak to a manager/supervisor, someone then came on the line and I could not hear anything but static during the whole conversation. 
I am saking the CFPB to investigate this situation and please provide me with complete details regarding 1 ) to whom Ally Financial provided information ; 2 ) what type of information was provided ; 3 ) what inquiry are they claiming was made by me or someone on my behalf that resulted in any release of information ; 4 ) copy of car payment history in my name as referenced in the letter from Ally Financial 5 ) all information pertaining to how Ally Financial has my name and address on record in association with a XXXX Honda Accord with VIN # XXXX.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I was falling behind on my mortgage with Ocwen. So at about XXXX days behind, I contacted them to tell them I had lost my job and was now working for a lower wage, but I still wanted to save up money to make a payment. They told me I legally had XXXX days to make a payment. So I scrimped and saved, so as the XXXX day was approaching I found that I would get paid my last portion that I needed on the XXXX day. I called Ocwen on the XXXX day and asked them if I could submit my payment on the XXXX day. They told me that would be fine. So I wired my payment from my bank ( XXXX/XXXX/15 ). They subsequently sent it back to me on ( XXXX/XXXX/15 ) and told me that I was too late and that now I owed $ XXXX+ dollars which I did not have. Since then I have been trying to work out a modification which they denied and find myself possibly facing foreclosure. They said that never received the funds. I have proof of the wire activities via my bank. They have ignored this and are proceeding to try to take my home.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: LJ Ross Associates (NJ)

I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. 
invoices from XXXX to my address mentioned above. 
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

A valid Notice to rescission under TILA was sent on XX/XX/XXXX. 

All party 's did not unwind the alleged transaction, nor did they start according the REG Z, XXXX and XXXX. No court vacated the Rescission. They been operating as if the Note, Loan and Mortgage is valid. It is Not. Sent again on XX/XX/XXXX. No law suit to challenge the Notice of TILA Rescission has every been filed against me.
Consumer complaint received 2015-07-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.