davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens One home loans the mortgage company. I 'm am trying to assume my mother loan I have Power of Attorney the lender said I could assume the loan. I been going to court for a year and they keep requesting the same things over and over again. So that is making the legal fee 's go higher and I been giving them every document that they are requesting Here are the dates of the RMA being sent to the lender attorney on first packet was sent on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, 1 ) Missing documents letters for documents that I have sent before.XX/XX/XXXX the lender was requesting Retirement benefits letter from provider, declaration page of homeowner insurance and Tax bill.2 ) XX/XX/XXXXMissing documents letters for Property taxes and homeowner insurance. other request from the lenders attorney Missing documents emails  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,2/2/17,XX/XX/XXXX the mortgage lender attorney been requesting for pension letter, property taxes & homeowner insurance, contribution letter sign and dated, hardship letter sign and dated and also asking for power of attorney
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (KS)

Due to working for a company that shut down I am a XXXX year old man without a job and within 3 weeks of living on the streets. I managed to pay all of my debts except for one remaining cable bill. The company I owe is XXXX XXXX. I owe them XXXX for my last months cable bill. I am getting daily calls from the collector. They always call and hang up when I answer which forces me to call them back at which time they go into their spill about attempting to collect my debt. The way they do this is tricky because they always call and hang up causing me to always have to call them back. It 's a form of trickery and I am tired of getting called daily and being hung up on. I am trying to find a job so I always call a number back to make sure I am not missing a job. I received a usual call yesterday X/X/17 mid morning. I explained to them nicely that I would try to make a payment by the end of next month and a fellow who calls himself " XXXX '' said that was n't good enough and I will have to do better or the calls will continue. I received another call today from the number XXXX, the usual hang up when I answered. I called the number back and it was XXXX again. I asked him if I was going to continue getting these harassing calls everyday, he said yes unless I resolved the debt. I admit I was furious, towards the end of the conversation he said something like " You do n't care about your credit '', you can actually verify what he said because it was being recorded. I did call his company which is Central Credit Services, LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Toll Free # XXXX. I called the number and again actually got XXXX so it must be a very small company. I asked him to speak with a manager and he said they were all busy right now, I asked if the company name was the above company and he did n't want to tell me. Again, I assume I was being recorded so you can verify this. He finally placed me on hold for a manager and after a long period of time came back on to say all the managers were busy and I would have to try back another time. I understand I owe this debt. I am XXXX years old and have paid my cable bills for over 40 years with never a problem until I lost my job and can not seem to find one. I am scared I am a few weeks from me and my wife being on the streets. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now have an XXXX XXXX so this is going to be very tough on me as well as my wife who has a XXXX XXXX. I realize my personal situation does not matter, but just so you know where I am coming from. I hope to resolve this all soon, but am certain the collection calls will continue. Thanks for your help. XXXX XXXX
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

In XXXX 2016 I was contacted by XXXX XXXX XXXX about consolidating my student debt so that my loans would be forgiven. I was misinformed about the way they were going to handle the debt. I was told that I would pay {$39.00} a month for 3 years, which would go towards my loan and then all of my debt would be forgiven after that. I started to receive statements from XXXX saying that i owed them {$0.00}, so I did n't think any foul play with the company was going on. I had also started receiving messages from Equitable Acceptance that they are the ones who I was actually paying the loan through. One year goes by after me making faithful on time payments to Equitable Acceptance then I received a letter from XXXX for a {$330.00} payment. I call Fedloans to see what was going on and they tell me my account has been past due for months and there were no payments made to my loan. So I called Equitable Acceptance and demand that my accounts be cancelled since I believe they were a fraud company. They told me that my accounts could not be cancelled through them that I would have to go through XXXX XXXX XXXX. I call XXXX XXXX venture many times with no answer, just an automated voice system telling me to leave a message. I called Equitable Acceptance back and they " put me right through with XXXX XXXX ''. I demanded my account be cancelled and they told me it would be within 24-48 hours. I also stopped payment to them through my bank and filed a dispute with the credit bureaus since this was listed on my credit. I also requested from both Equitable Acceptance and XXXX XXXX XXXX my " signed consent '' since I have yet to receive a contract. I am waiting to see what happens.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient has my loans in a rate reduction program with an automatic payment every month on a due date I chose per their prompting, XX/XX/XXXX. I noticed that the " Due Date '' in Navient 's system is different than the Due Date set up for the program, they have XXXX listed, so I called and the person I spoke with told me it was an error in their system so she allegedly reset the Due Date to the correct date and refunded the late fees accrued by this situation. 
The next month I noticed the payment had not come out of my account around XX/XX/XXXX so I called Navient to inquire why and they explained someone had erroneously set the due date to XX/XX/XXXX so the person I spoke to made the payment immediately and assured me they fixed all future Due Dates to XX/XX/XXXX. They also assured me there are no late fees currently on my account. 
To date the Due Date has not been fixed and still shows XX/XX/XXXX with the message showing " You could be charged a late fee. '' as well as the fact that there are still many, many late fees still assessed on my account despite the fact that I have paid every month on XX/XX/XXXX which is the Due Date for my payments. 
I have made every attempt and have stayed dilligent monitoring this to ensure the issues are fixed and they have not been fixed despite the fact that every month when I call I am consistently told the Due Date and Late Fee issues are fixed. 
This is affecting my credit and has become extremely frustrating at this point - I need these issues to be resolved ASAP.
Consumer complaint received 2017-08-04
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: CITIBANK, N.A. (PA)

XXXX 's client XXXX XXXX is an identity theft victim. He was notified that someone used his information without his consent to apply for credit cards. Those application resulted in inquiries on his credit reports that the credit was notified were fraudulent related. A formal dispute of the application and inquires made was submitted to DSNB/Bloomingdale 's however there has been no response from DSNB concerning correcting this issue.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
Consumer complaint received 2017-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Experian report # XXXX Collection account : XXXX XXXX XXXX # XXXX Amount owed : {$1500.00} I have tried to dispute an item on my Experian credit report for more than 6 months. Every time, Experian came back that the information has been verified. Even tho I could not get the collection agency to verify this information to me but since this said collection account was almost 7 years old, I decided I would wait until XXXX 2017 and have this account fall off my report. I called Experian towards XX/XX/XXXX to confirm when exactly in XX/XX/XXXX this information would fall off, and their rep advised on XXXX XXXX, 2017 the collection account would be removed from my report. Here it is now XX/XX/XXXX, this said collection account is still on my credit report and Experian is not allowing me to dispute something they are legally suppose to remove. They even removed the dates pertaining to this when this account would fall off to show it as more recent than it is. I will attach an old report and the most current dated after they advised they would removed this account
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
Consumer complaint received 2017-08-04
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. (CA)

To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

A payoff check was sent to Ally Financial the end of XXXX 2017 for my XXXX. It cleared my bank account XXXX XXXX 2017. It was not applied to my account. I sent a copy of the check showing clearance multiple times to multiple fax numbers given by customer service. 3 emails were also sent by email at customer service representative request to XXXXXXXXXXXX with no response. The money is still not applied to my loan as of XX/XX/XXXX and collection efforts continue and threats have started. My money is misapplied somewhere. I am a XXXX veteran and your help would be greatly appreciated.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

My problem is with the servicer of my federal student loans, FedLoan Servicing. I just finished up a XXXX in XXXX for XXXX and am currently in a 16 month XXXX program in which I am required to work 60 hours a week without pay as part of my training to become an XXXX. I have a wife and XXXX children and we are living off of savings and loans. I applied for Income Driven Repayment back in XXXX 2017 and I have heard nothing about the status of my application. So far, the only thing that has happened is that I am being billed for the full payment amount for two of my loans. I have called and sent emails. No one ever responds to my emails. I received one automated email reply that had nothing to do with my specific situation. On the phone, the reps are sometimes unhelpful, difficult to understand and give conflicting information. One of the reps I spoke with on the phone several weeks ago told me she would enact a temporary {$5.00} forbearance on my loans while the IDR application is being processed. My payment amount due is still the same ( {$460.00} for one loan and {$140.00} for the other ). The payment is coming due in 10 days and no action has been taken. I spoke with another rep who told me to just pay {$5.00} immediately which would lead to an expedited processing of my application. So far, this action has failed to yield any results at all but, to be fair, it has only been a couple of days. I have no correspondence to attach since all of my communication has been over the phone ( the company does not respond to emails ). My IDR application was submitted through the federal government 's site, StudentLoans.gov. I am attaching my loan bill showing the {$5.00} payment I made as advised by one of the reps over the phone.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (GA)

In the process of refinancing our home mortgage loan, we were advised that a conventional loan would have been better suited to our needs. Upon further review of our closing disclosure, we learned of anapproximate {$1200.00} HOA set up and transfer fee, over 16,000 in closing costs and over 19,000cash to close ( including the closing costs ). In addition, the FHA loan calls for {$4700.00} to be paid in  advance for mortgage insurance premium. We were advised by another lender that to refinanceat this time would be counter productive because of the loan to value. As a result, our only option would be to sit in our current loan for 1 to 2 years, make upgrades and have the home appraised before  consideration would be given to refinance.
Consumer complaint received 2018-03-20
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: CITIBANK, N.A. (TN)

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/XXXX  's. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/XXXX 's XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Consumer complaint received 2017-08-03
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: EQUIFAX, INC. (GA)

On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.