davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (FL)

I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions (OH)

RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.
Consumer complaint received 2017-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (FL)

Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NY)

This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.
Consumer complaint received 2022-07-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOPA EQUITIES (CA)

On XX/XX/XXXX, I sent out multiple disputes to all XXXX bureaus. I called XXXX yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from XXXX said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all XXXX disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within XXXX weeks. 

Disputes XXXX. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have XXXX more XXXX XXXX cards that are both in good standing. 

XXXX. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have XXXX cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report. 

XXXX. Townsgate Capital Corp is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( Sage Pre-Owned ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to Townsgate Capital Corp working with a deceptive company, I would like to have them removed from my credit report. 

I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the XXXX letter won't state the updated information regarding the settlement.
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Since XX/XX/XXXX, I wanted to refi my mortgage, as I knew in XX/XX/XXXX, my Adjustable Rate mortgage would end, and I did n't know how the much the rates would be. I contacted Wells Fargo* ( my mtg. lender since XX/XX/XXXX ) and they told me they had no idea about the upcoming rates. Wells Fargo, never told me about the HARP loan, going into effect. In XX/XX/XXXX, *W.F.agreed to refi my loan. I had been paying around 8 %, but W.F. said they 'd give me a 6.75 % loan. I told them that rates were much lower, and they said I should take the 6.75 % rate, as they had no idea when the rates would change, and I 'd be lucky to get the high rate. I foolishly did so, and was never told about the HARP loan, that would lower my monthly payment, and would n't require an appraisal. I 'm now XXXX, retired, and would like the HARP loan, as I 've NEVER missed a payment, or been late on one. Also, I have a XXXX credit score. Surely, I deserve a lower rate & a HARP loan? Please help me.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Submitted a loan modification request for assistance via facsimile on XX/XX/XXXX and have been calling Ditech ever since. Everytime we call they put us on hold and say they are sending for review. Here is the following timeline : XX/XX/XXXX Spoke to XXXX ID # XXXX and he stated the underwriter is requesting the following documents : XXXX ( 4 pages ), XXXX, mortgage statements for other properties, and lease agreements. Faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and he stated the only thing the underwriter is requesting is the XXXX tax returns because the copy they have is missing some pages. I faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which stated as of XX/XX/XXXX notes the file is still pending review from the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is in review with the underwriter and the Loss Mitigation Representative assigned to the file. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is still in review with the underwriter but she was going to submit an escalation request to see why there has been no movement or no other docs requested. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she is actually the relationship manager assigned on this file. She stated the file officially went to the underwriter with all of the documents they needed on XX/XX/XXXX. She said they have been extremely backed up because of the last 3 natural disasters but they are finally catching up on files. 
XX/XX/XXXX Spoke with XXXX at Ditech advised me he needs mortgage statement and property tax for property XXXX and a current lease for property XXXX. Fax to send docs XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ID # XXXX and she stated the last update was on XX/XX/XXXX and the file is still in review with the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which kept me on hold for 30 minutes to then tell me the same thing as always. She tried to reach out to the underwriter to get an update but there was no update so she sent them an email and it's just the same back in forth every time we call! Will file CFPB complaint. As you can see this has been ongoing and the file has yet to be reviewed. Nor do we even have a written acknowledgement that they received the application for assistance or a letter from them advising any documents are missing.
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

PHEAA sent 2 notices on XX/XX/2022 to my email claiming that the account was 26 days past due. 

I called on XX/XX/2022 and made a payment over the phone using my Debit Card. The transaction is listed as a pending pre-authorization and will be cleared by XX/XX/2022. PHEAA then sent another notification at XXXX on XX/XX/2022 well after the payment was already pre-authorized and handled. Additionally, PHEAA 's phone system claimed the account was 25 days past due, not 26 days past due on XX/XX/2022. 

I am being harassed by PHEAA, despite efforts made in paying a bill. PHEAA continues to deflect responsibility for this violation of rights. No human being deserves to be sent communications claiming the account is past due after a payment was processed regardless of whether the incompetent company fully received it or not. They can only address delinquency after a payment gets returned. Until then, they are to treat the payment as a payment. PHEAA agents have explicitly stated they would misreport to the Credit Bureaus if the payment didn't get processed on their end by 30 days past due for an account. This is concerning, because borrowers have no control over how PHEAA processes payments. In addition, for all we know, PHEAA agents may deliberately prolong this process just to retaliate against borrowers. 

Based on past experiences with this agency, agents follow protocol and do not truly understand who is in control. Then the agents become intolerable to deal with because they do not know how to deal with the public, those of us who become frustrated by the lack of knowledge from Representatives. 

Received twice on XX/XX/2022 ( once in the XXXX and once in the XXXX  ) : Hello XXXX : Your student loan account is almost a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. 

Failure to clear the delinquency could result in the following : Negative credit reporting Your account being assigned to a collection agency Delay or disqualify you from incentive programs that the lender may offer, such as co-signer release, interest rate reductions, and rebates If you haven't made a payment, please do so today. The easiest and fastest way to make a payment is online. 

PHEAA agents also ask repetitive questions every time I get a separate agent ( even if I'm being transferred ) like has my address or phone # changed since the last time I spoke to someone ( even if it was minutes prior ).
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CO)

This is a continuation of : XXXX I heard from the president 's office, this took another 4 calls with them to fix and I finally got my check for {$71.00}. A nice woman called and asked if I wanted to close my account and I did not call her back as I had 1 ) moved to a new home and my time was a bit scattered and 2 ) I changed jobs and was also onboarding. I received another bill from Barclays for {$4.00} for an XXXX ride in XX/XX/2022. Once again, this is not my charge. Barclays had allowed someone to run up XXXX rides on a card that was 1 ) expired and 2 ) had never been activated. I am so truly disgusted with this company. I do not know how any credit card that is 2 months expired or has never been activated and was in my home could be stolen. I also don't know how they can tell me everything has been solved and I can close my account and then send me another bill. 

I called the office of the president directly when I received the most recent bill and they have not called me back. It's been over a week.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

At lease end, I turned in my leased XXXX XXXX XXXX, through Ally Bank, to the XXXX dealer. It was a 39 month lease and the car was was is very good condition with leads than XXXX miles on it. Prior to turn in the dealer manager and I throuroughly examined it and estimated repair costs for scratches and I decided to turn it in as is. 
When Ally sent the the repair bill, it included a dent that myself nor the body shop manager saw, I washed waxed and went over the car with extreme care and there was no dent. I called Ally to complain and was told a rep would ( and did ) contact me. The rep said the car was at auction and I would be informed of sale price. That never happened. I returned the last bill with an explanation about this and said I was not going to pay for a non existant dent, and continue to receive the same bill and no info about auction sale.it has been 2 months since turn in. Ally leasing has a policy that gives the leaser no way to dispute the inspection.i want the charge for the non existant dent removed from the bill.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ark-La-Tex Financial Services, LLC (PA)

I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.
Consumer complaint received 2017-03-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I had numerous issues with Navient ( XXXX ) from the start. From endless fees, to obnoxious harassing phone calls, extremely high interest rates, the list goes on and on. The representatives at Navient are disorganized and super hard to deal/work with. They are an extremely corrupt company! I always have problems with them making mistakes on my loan payments. They tried to withdraw even more money from my bank account that I had authorized and put my account in the negative. So many problems with Navient!
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WI)

XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. 

I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. 

The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. 

Please advise.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I received a Care Credit card to pay for my dental work, having not been told that a very high interest rate for the total amount would be added to my account after one year. The interest was $ XXXX+!!!!! I called to file an extension and was given more time, since I had no idea that this was the case. Nine days after the extension date, I called to pay the amount in full of {$1800.00}, they said that I would have to pay the interest too. I worked massive overtime to come up with such a large chunk of money, only to discover they would not honor this. They were also incredibly rude. They said a supervisor would call me back within 48 hours, and of course, no one called me back ever. This company should be shut down for scamming people!
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

PNC Bank N.A . ( PNC ) has a program called " XXXX XXXX '' where PNC demand account holders can transfer funds from their account to another PNC account holder. I transferred {$1000.00} on XXXX/XXXX/2016 to my girlfriend XXXX XXXX into her PNC checking account to pay her mortgage. The funds were debited from my account on XXXX/XXXX/2016. 

I called PNC today XXXX/XXXX/2016 to find out why the funds had not been deposited into XXXX account, and PNC stated that the funds would not be in her account until XXXX/XXXX/2016. This is six days from the day that the funds were debited from my account. Therefore, these funds were not available for her to pay her mortgage. 

PNC states that " XXXX '' funds transfer will take at most three days. 

Because we acted in reliance of this transfer being completed on a timely basis, we were left in a worse situation than if we had used the " XXXX XXXX '' service.