davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-30
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-09-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you
Consumer complaint received 2015-12-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.
Consumer complaint received 2015-06-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

CITI MORGAGE lied to me XXXX times on my morgage.They said if I made payments in a modification plan for 6 months, they would cut the payments down to a more reasonable payment since I lost {$2000.00} in income.They did not reduce the payments, in fact they went up on the payments.I filed bankruptcy, but did not put the house payment in the bankruptcy.We tried another modification .The modification was for me to pay {$660.00} down and {$300.00} in lawyer fees.They lied to me again. They went up on the payments. I ended up finally in foreclosure.I tried XXXX more time for a modification.This time they came back saying I did n't have enough income to pay a modification. I though that was why they do modifications. so I let them take back the home.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive XXXX notices, XXXX from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Roycroft Management (TX)

Central Mediation Service call from another phone number XXXX XXXX XXXX and leave a different number. When I called and asked them why they would threaten my wives family and call friends and family they said it was n't them and they hire that out but would not give me any information. They have called my wives family and threatened my wife through her family. Then that number calls my wives phone and asked what she wanted she game me the phone and asked what I wanted I said you called me what do you want then he hung up. When I call and ask for an address they hang up. I have called them about XXXX times the last XXXX have been just to ask for address, Now they just hang up without saying anything. They said their client was XXXX and I called them and they said they did n't have the loan and they sold the loan in XXXX of 2015 to a company that is not the same as the XXXX with all the threats. The company that XXXX sold it to wont call me back so I can ask them about it. Central Mediation Service makes it sound like my wife will be arrest. Oh and we have never got one thing from them in the mail.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I pulled my credit report in XXXX 2015 and saw creditor, " Navient '', reporting a very high student loan balance resulting to over XXXX XXXX. I immediately filed a dispute with all XXXX credit bureau agencies and wrote letters to Navient directly via XXXX Certified Return Receipt mail on XXXX/XXXX/15 & XXXX/XXXX/15 ( they have also changed their corresponding address after I sent the dispute to all XXXX credit bureaus and letters were sent to XXXX addresses ). I requested for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). A Navient Representative and I spoke on XXXX occasions in XXXX 2015 and on XXXX occasions I asked specifically to send written documentation to be sent to my attention and to please cease all calls ; as a result they violated Fair Debt Collection Practices by contacting me the XXXX time. Needlesstosay, all ways of correspondence has resulted in Navient 's refusal and failure to comply. In addition, on XXXX/XXXX/2015, they sent a refund check indicating the following, " ... .During a recent review, it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged, may have caused confusion for our customers. To correct this issue we have enclosed a refund check in the amount of {$40.00} ''. At this point Navient is purposefully violating the Fair Debt Credit Reporting Act, Fair Debt Collection Practices, and defaming my character. I am suffering as they are leaving an erroneous negative mark on all XXXX credit reports.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC. (KS)

I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. 
I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.
Consumer complaint received 2015-09-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.
Consumer complaint received 2015-12-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (AZ)

Please excuse my writing errors as I am submitting through my XXXX. I was contacted by a debt collection agency that stated that I owed PayPal money through synchrony bank in the amount of {$320.00}. I tried several times to contact Synchrony Bank and all they would tell me was that it related to a PayPal account that was opened and closed. I was able to show them that I have had a PayPal account for several years and had not opened or closed any additional accounts. Regardless the bank let me know that they could not help as the debt has been past to a debt agency. I asked for documentation that both proved the account was opened by me ( in hopes of showing this was fraud ) or that I was notified of an open debt but they said it was out of their hands and the debt collection agency is who I needed to deal with. After contacting the debt agency, XXXX, I sent XXXX dispute letters. All they did was send me the same information of the original creditor, Synchrony Bank, and links to file a long fraud or identity theft claim. As I could n't get any original documentation of the account opening and as a medical resident have little time to continue calling the PayPal bank and debt collector I decided to pay. I now believe that I am part of the PayPal dispute that illegally opened an account without my consent.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (DC)

I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student.
Consumer complaint received 2016-02-01
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC. (FL)

XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.