davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.
Consumer complaint received 2017-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

When I requested 4 month 's forbearance on XXXX XXXX from XXXX XXXX  I was told that the lender only grants forbearance in increments of 2 months. The customer service representative instructed me that I would have to call back at the end of the first 2 month 's of forbearance and request an additional two month 's forbearance. When I called to implement the instructions I was given I was told that I was not eligible for another two month 's forbearance until I 'd made 12 consecutive payments. All calls are recorded and, after some research, the customer service representative confirmed that I had been given correct information. However, instead of suggesting an alternative or in any way trying to rectify the situation I was told there was " nothing that could be done ''. I suggested putting a payment plan in place for XXXX XXXX which would give me time to figure something out. In response to this I was told I " should n't worry about it '' because credit reporting does n't occur until an account is 30 days past due. In summary, I was given false information, held responsible for the information I was not given and then told there were no other alternatives. When I suggested an alternative I was told there was no process or capability on the company 's part to follow through with this alternative.
Consumer complaint received 2017-06-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.
Consumer complaint received 2017-06-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Liberty Mortgage, Inc. (FL)

I had a schedule closing on my property on XXXX XXXX, 2017, but the buyer wished to close on the XXXX, 2017 instead. Even though this was a day neither me or my realtor could attend closing. I left the state on XXXX XXXX, and was able to sign the closing then. I had a closing date of XXXX XXXX because I was buying another property in Florida, and needed my loan to be closed in the beginning of XXXX, but being promised that the property would be closed on XXXX XXXX, I went ahead and accepted the new closing date. On closing date, XXXX XXXX, the buyer showed up and didnt have all his documents ready, and asked to get a few more days to be able to collect all these. The buyer requested XXXX XXXX, 2017, but it actually didnt close to XXXX XXXX, 2017. And for that to happened I had to pay out of pocket to overnight a document to the closing agent, and this was {$54.00}, I was promised by the buyers loan consultant, XXXX XXXX XXXX NMLS : XXXX phone number XXXX, that I would get reimbursed for this cost. I accepted these conditions because I was also promised that my per diem from the original closing date was going to be paid for during the extra time, plus a {$100.00} gift card. These promises were put into an addendum for my property closing contract. It is now XXXX XXXX, almost three months since closing date, and I still havent received anything from the buyers lending office ( American Liberty Mortgage, XXXX XXXX XXXX XXXX XXXX, CO XXXX ) .Me and my realtor have contacted the office about this and tried to figure out what is going on. They have told both of us that they are taking care of the matter, but they still have not done anything about it. I contacted the owner ( XXXX XXXX phone number XXXX ) on XXXX XXXX for the company and he said that he talked to XXXX XXXX and told him to fix the matter that same day. Nothing was accomplished so we contacted the owner again the day after and told him about our dissatisfaction in his company and employee. We have n't heard anything back since then. They have treated us really unprofessional, and XXXX XXXX has been really rude in emails to my realtor. Something that should have been handled on the closing date of the property, has now been taking almost three months and still have n't been handled. This is outrageous for a loan company, and very bad customer service.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (ID)

American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alorica Inc. (TX)

They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call them.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the USBC NDG. In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which w ere discharged ; howev er, Equifax has continued to reinsert my mortgage as a new debt. I have disputed this account for the past 2 years with no success. Also, each time Equifax removes the account, it is reinserted a month later. This has caused my credit score to go down by  XXXX  points. I have reached out to  XXXX  as well. They have refused to acknowledge that the mortgag e was discharged and s hould be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my hope that your agency can assist in getting this cleared up and my credit score restored to its previous number of  XXXX .   Thank you in advance.     -- -- --  XXXX   XXXX   XXXX   XXXX  --  XXXX
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I refinanced our home in XX/XX/XXXX and we received a 6.50 % interest rate with Wells Fargo and after facing financial problems caused by a curtailment of income, we sought a loan modification in XX/XX/XXXX to request to lower the interest rate to the conforming rate of 3.75 % or lower such as 2.0 % for a specific term. We applied for a loan modification through the Making Homes Affordable Program ( HAMP ) and we were denied in XX/XX/XXXX because Wells Fargo could n't verify all of our information that we submitted. We resubmitted the documents to Wells Fargo and after a long review, we were denied again in XX/XX/XXXX due to Net Present Value. The denial provided data that we did n't agree with such as our home having HOA dues/fees of {$69.00} a month and the household income was n't calculated correctly. We appealed the denial and were denied the appeal process because of NPV evaluation. Wells purported that because a " drive-by '' appraisal was used to determine the value of our home at {>= $1,000,000} against an unpaid principal balance of {$780000.00}. Wells has never completed an interior/exterior appraisal as our home requires at least {$250000.00} in upgrades and our own appraisal valued our home at {$920000.00} " As-Is ''. However, when we checked our NPV using XXXX, the website said that we qualified and may be eligible for a loan workout. Hence, the first time we checked the XXXX  website in XX/XX/XXXX we qualified for a HAMP loan modification because our principal balance was below the {$720000.00} limit. In California, the statute for NPV in a mortgage application for a loan modification is Cal. Civil Code 2923.6. It states that the anticipated recovery for the investors must be more than the initial loan modification. A foreclosure on the property will get about {$800000.00} and after attorney costs, fees etc., the investors would net around {$750000.00}. However, a loan modification would generate Principal & Interest payments of {>= $1,000,000} through maturity. Thus, Wells is non-compliant to California law and to the date on the federally mandated XXXX tool on the making homes affordable website. Although our balance is over the threshold, if we provide the UPB before the modification amount as illustrated on the XX/XX/XXXX denial letter, we qualify for a loan modification. However, after submitting the positive results to Wells Fargo on two different dates ( in XX/XX/XXXX and XX/XX/XXXX ), Wells still denied our loan from being modified
Consumer complaint received 2017-06-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MO)

I had a dispute with a Banana Republic credit card. I believed that they charged me twice and the amount on the card was in dispute. However, they did not notify me when they were done investigating and the amount went back on my card without my knowledge for a few months. They have now reported that to the credit bureaus, but I was unaware that it went back on. As soon as I was aware of the investigation results I just paid the amount. I still believe they charged me twice, but I did n't want this to keep happening.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is 2 accounts that are reporting on my experian credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however experian keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my experian credit report over 2 months ago. Yesterday X/XX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with experian for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about experian because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (DC)

In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.
Consumer complaint received 2017-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC (GA)

Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks