davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.
Consumer complaint received 2017-02-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

Dear XXXX, I am sorry to have to write to you but I do n't know what to do anymore. I have been receiving deceitful information from the loss mitigation department of Financial Freedom who have made it impossible to finalize a workout on my XXXX house. Even though I have followed all the requirements for an extension, I was just told that the home would go to foreclosure next Tuesday, XX/XX/2017. 

My mother took a reverse mortgage and after she XXXX, my sister and I have been working relentlessly with Financial Freedom to find a solution to sell the house and pay the outstanding balance. The house needs a lot of work and I am working with a few buyers who are interested in purchasing it but more time is needed to finalize the sale and close on the transaction. I have had an open discussion and ongoing calls with their company and it was agreed that the house will not be sent to foreclosure in XX/XX/XXXX and I would get a XXXX day extension of the foreclosure process if I provided the XXXX certificate, the proof of death, the Last Will and Testament, along with a cover letter and proof of selling negotiations such as a Texas XXXX XXXX XXXX XXXX and Sale Agreement document by XX/XX/2017. I initially submitted the requested information on XX/XX/XXXX and resubmitted again on XX/XX/XXXX ( attached is a copy of the fax with the date of when I sent the paperwork ). When I followed up on XX/XX/XXXX I was told that the request was denied because the information was not REVIEWED until XX/XX/XXXX This is very troubling and makes it seem like your company is trying to take advantage of my situation. I have tried to do what was requested and may now lose my mother 's home of almost XXXX years and currently my primary residence due to your company 's slow processing of paperwork. 

I am not asking to stay in the house permanently, I would however like to have an opportunity to sell the home and move out quickly. As my foreclosure date is imminent, I am requesting that you place my foreclosure on hold to provide me the time to execute a contract that will allow me to pay off the loan and give me the money needed to find an apartment. 

Thank you in advance XXXX XXXX
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2015-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (MO)

west assett management, a third party debt collector had attempted to collect a invalid debt for a cell phone account bill which had been settled years previous and the account closed with a {$0.00} balance. Please reference Case number : XXXX, after discontinuing collection activity for this account, they sold this invalid debt to another third party collection agency, XXXX receivables. This new collector is now attempted to collect for the same invalid, unverified and fraudulent alleged debt. XXXX receivables failed to properly notify of intent to pursue collection attempt, or provide notice of right to dispute. Without properly verifying accuracy or validity of alleged debt, the company reported to the credit reporting bureau 's that the debt was an unpaid account in collections, this improper information was reported on my credit report improperly and the alleged debt itself was fraudulent and improper due to having been re aged to appear as if the account and debt were recent, and the balance reported as owing over {$700.00} when in fact I provided documents clearly showing a {$0.00} balance and date of last bill from 2011.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MN)

I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted Equifax on numerous occasions since XXXX 2015 trying to rectify my issues by sending certified letters with my fraud claim/police report and identifying information. Every claim I have disputed, Equifax has replied that the items I am disputing ( specifically a collection : XXXX XXXX XXXX XXXX ) is verified as mine. I contacted Equifax to receive the identifying information that concludes this report is mine and was told that it would be sent. After not receiving this information I called again and was told that they could only verify that XXXX XXXX XXXX XXXX verified it was mine and they can only go by what the agency reports. If Equifax has the right to keep fraudulent information on my record, I need to have the identifying information. In the past, when I have requested identifying information on another disputed account, Equifax only sent a letter stating that my " social/address/and DOB were verified ''. This is not sufficient. If I am a victim of identiy theft, how is this verifying information. I would like this information removed from my credit report, as this account does not belong to me. Equifax is holding on to fraudlent information and not protecting my rights.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation (TX)

I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. 

They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. 

I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. 
I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have contacted Portfolio Recovery Associates on numerous occasions by email and usps asking for then too verify that they legally bought accounts bearing my name. To date the only response is a copy of a statement that does not even show my legal name. I have asked 6-10 times for a contract showing that this company owns any account showing my legal name, they 've never showed me any sales agreement showing my legal name, account numbers, or my SS #. They have not provided any evidence that any accounts they purchased included my legal name or account numbers, this is in clear violation of Kentucky collection laws. 
Kentucky law states that a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer ; and records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part. 
This information needs to be completely removed from all credit reporting agencies since Portfolio Recovery Associates has not followed proper collection laws.
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (TX)

XX/XX/year> XXXX XXXX fell on our house. insurance has sent a XXXX part check, we signed it and sent it to the bank. it was about XXXX, XXXX and some change to go to the repairs of the house, we are at XXXX XXXX XXXX  in repairs now, they have only XXXX  XXXX on time and then i had to beg for XXXX. they still have the rest of the money, now they have sent a email stating they want 95 % of the house finished before they release the insurance check. and they stated that they require and inspection, then charge me XXXX XXXX. then still refuse to release the money. XXXX XXXX has had my contact information form the start as well as her supervisor, XXXX XXXX. i have asked for an new inspection on XX/XX/XXXX and it still has never been set up. XXXX stating she needs my contact information, again a stall tactic for them not to relies the funds. i only owe XXXX on my house. i have never missed a payment, have always paid early. XXXX XXXX XXXX. we financed our home with XXXX XXXX, and Newrez bought the morgage, i never agreeed to any new terms with Newrez. i Have XXXX and i want to get me and my family back in my house and for them to release the checks so i can get it all done, before it gets to cold to paint. they have held my money and ask for papers they already have repeatedly. they have all our contact infromation, my contraactors information, my insurance adjusters infromation and phone numbers and have had it from the begining. they also know that that fraudulat charges on my house payment was never agreed to and they make it mandatory or they will not release funds. XXXX also tried to tell me that when they come to inspect the house we refused to let them in. i sent him the proof that they did get the pictures. this morgage compy has keep use out of our house for 4 months and we should have already been finish,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (IL)

I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

To Whom It May Concern, This letter serves as an official notice and demand for immediate action regarding the grossly inaccurate, unverifiable, and fraudulent information that your agency has irresponsibly reported on my credit file. My recent investigation into my credit report revealed numerous inaccuracies that have caused me severe emotional distress, including XXXX, as a direct result of your agency 's negligence. Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to ensure the maximum possible accuracy of the information contained in a consumers report. It is clear that you have failed to meet this standard, and I am holding you accountable. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, your agency is required to promptly delete that information or modify it as necessary. You are further obligated to notify the furnisher of the information of any deletions or modifications. I am giving you a strict deadline : if you can not provide me with verifiable proof of the accuracy of the items listed below within 15 days, you are required by law to delete these items from my credit report immediately. Failure to comply will result in legal action against your agency for violating federal law. 

XXXX XXXX XXXX XXXXXXXX It is conceivable that the account identified may have been reported unfairly, without proper certification, or in violation of the law. As a result, I must insist that you immediately remove any item that alleges derogatory-conditioned late payments, as mandated by the law. 

XXXX XXXX XXXX XXXXXXXX s. It is disheartening to observe that this information may be afflicted with incompleteness, obsolescence, or a lack of substantiation. I earnestly implore the removal of any inaccurate or unsupported content from this page, as such discrepancies are dismaying. Your prompt attention to rectifying this situation would be deeply appreciated. 

XXXXXXXX XXXX XXXX XXXXXXXX It is imperative to acknowledge that this information could be potentially incomplete, outdated, or lacking proper validation. We kindly request the removal of any inaccurate or unsupported content from this page.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I 'm a XXXX years old man with a mortgage with loan servicing company Specialized Loan Servicing. Because of a previous illness and financial hardship I became delinquent on my mortgage. However, my financial hardship ended but I did n't have enough to reinstate the delinquency of the loan. Thus, I applied for a loan modification but did n't fill out the paperwork correctly and got denied XX/XX/2016. I found assistance and filled out the documents providing all sources of my income. A full loan workout package was faxed to SLS on XX/XX/2016 and they acknowledged that they received the documents on XX/XX/2016 and processed the documents on XX/XX/2016. A single point of contact was assigned to the account - XXXX and he advised that the file would be sent to an underwriter for further review on XX/XX/2016. On XX/XX/2016, XX/XX/2016, XXXX, XX/XX/2016, XX/XX/2016 and XX/XX/2016 my 3rd party representative called and was told that the file was still in active review for a loan workout. A foreclosure trustee sale was scheduled for XX/XX/2016 but was postponed to XX/XX/2016 to allow SLS underwriters time to evaluate the documents. On XX/XX/2016, I was advised that a " soft denial '' was initiated in the notes due to my failure to provide federal tax returns. However, SPOC XXXX never advised that I needed to provide tax returns. On XX/XX/2016 I submitted tax returns. On XX/XX/2016, SLS said they would not allow the modification to be reviewed because they require 38 days to review documents prior to a foreclosure auction date. They said they will move forward with a foreclosure and repossession of the property
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-PERSONAL INFORMATION - MY NAME IS XXXX XXXX XXXX XXXX I HAVE SENT THE CREDIT BUREAU MY DRIVER 'S LICENSE AND SS CARD AND THEY HAVE NOT CORRECTED THIS INFORMATION ON MY REPORT. THEY HAVE XXXX NAMES ON MY REPORTS WHICH SETS ME UP FOR IDENTITY THEFT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

I am writing to formally dispute a debt collection notice that has been wrongly attributed to me due to identity theft. I have never incurred this debt, and it has been brought to my attention without my authorization or knowledge. The collections agency is Credence Resource Manage, opened XX/XX/scrub>XXXX XXXX for a balance of {$3700.00}.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My Toyota dealer ( XXXX Toyota ) called and offered me a new car if I turned in my leased car early. They said there would be no penalty for doing so. So I agreed and the dealer took care of all the details. I have been in touch with the dealer and they are unwilling to do anything to help me out of this mess. 
I got the new car and am now paying {$340.00} per month on the new lease. However, the finance company claims that the loan was not satisfied completely because the car did not sell for the amount they needed at auction. What does this have to do with me, I do not know? In the meantime, Toyota Finance has turned this over to a collection agency who harass me and my wife night and day. We are XXXX and XXXX years old and do not need this at this time in our lives. I think we have been taken advantage of by the dealer first, and then by the finance company. It is a good thing that I am not in the market for a house since I 'm sure that this is not looking good on my current credit report. It has been stellar up to this point. How can I get these people off my back? I am not responsible for this money and the dealer says he sent the finance the correct paperwork a long time ago. But I am the one being harassed. He apparently ca n't be bothered to look into it for me. Please help.