davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

In XXXX XXXX I started to receive collections phone calls from Navient. I was receiving several in one day. They stated I was delinquent ( a {$450.00} ), however I had the canceled checks on my bank account showing I paid. I made several dozen phone calls, often being on hold for upwards of 45 minutes. I ended up speaking with XXXX ( employee number XXXX ) a supervisor from the months of XXXX XXXX to XXXX XXXX to have the problem resolved. As it turns out when I mailed my checks, they processed two incorrectly on their end. They cashed my checks to the XXXX XXXX XXXX, the WRONG department of their company which I do NOT have loans with. It was a bit confusing to me that they have 2 separate departments. Even though it was their error, and they admitted to it, they could not just transfer the money internally in their company. They said the only way to fix the issue was to cut me a check and refund my money. Then with that money, I could re pay them and they would apply payment to the correct department. I waited for this refund from XXXX XXXX to XXXX XXXX. Each time I called they said it was coming. It never did. In speaking with XXXX in XXXX, he said they refunded the wrong person ( not me )!!! They ended up eating the cost because they made another mistake. He said I was all cleared and paid up, not to worry about getting a refund and repaying to the correct department. They ended up in the end, just transferring the money I already paid to the CORRECT department. This is what I asked them to do in XXXX. The issue was not resolved until XXXX ( six months ). <P/>However, it has come to my attention that they have done the same thing with my XXXX and XXXX XXXX payments ... .cashed them incorrectly to the wrong department in Navinet . So on their end, it looks like I am delinquent. However I have the canceled checks to prove I paid and they cashed them. I have left a message with the advocate, they have not called me back.
<P/>
Attached are the cleared check for what they are saying I did not pay. Attached is also the Navient statement saying I paid as well!
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I received a notice from credence resource manage that I owe a collection amount of XXXX in regards to acct # XXXX, I informed them that I was exercising my right to discharge debt under HJR 192 73- 10. Also 18 USC 8, all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair debt Collection Practice Act ). Violations 806, 807 ( 2 ) 808, 807 ( 11 ) 809, 812. It has become a burden and creating stress which is causing physical damages to my body. Also theyre in violation of 15 USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC 1692 ( g ). This added stress is creating a hardship on me and my family. They told me I have no rights and they are exempt from these laws.
Consumer complaint received 2017-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

SN Servicing h as been lying to me thinking I 'm under review for a loan modification/ loan work out since last year and no I found out that they have set a foreclosure sale date for   XX/XX/2017 .   <P/> I also found out that on the notice of sale they have increased my loan balance from {$49000.00} to {$85000.00} in just 3 days.  <P/> Please help me sin ce SN Mor tgage is taking advantage of my and my family.  <P/><P/> Thank you  XXXX   XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (NJ)

I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit System c alled around  XXXX   2017 , stating that I had an outstanding balance from  XXXX . Around this same time I received documentation from  XXXX  stating that equipment has not been returned and that the large bala nce (  {$700.00} plus dollars ) can be due to the result of equipment not being returned.  XXXX  was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession.  XXXX , later states that the balance is due to nonpayment, not equipment.  <P/> On  XXXX     2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}.  <P/> On  XXXX   XXXX ,    2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  XXXX
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NJ)

I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NE)

XXXX continues to put on my report information bill for a XXXX cell phone i never owned in 2010 but when i called they wont take it off and they are continuing to send collection bills by collecton agency as well. for {$410.00}. i want this information off my credit reports and have them stop ruining my credit for a phone i never owned in 2010 or had or applied for. there must been someone else trying to get this card under my name or ss number or something.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (TN)

Blatt BHLM telephone XXXX XXXX XXXX has called me repeatedly. They ask if I am a certain person XXXX ... I am not this person. I have told them repeatedly and they continue to call. This is the most blatant form of harassment when there is no issue of a debt actually owed. Please try and stop these ruthless scammers. Thank-you. This will undoubtedly help others. These guys are bad.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (AZ)

Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

I received a letter a week ago from a debt collecting company ( Dynamic Recovery Solutions ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
Consumer complaint received 2016-03-07
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (CA)

They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.
Consumer complaint received 2016-03-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (MI)

In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WV)

There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was AES and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX AES/NCT was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by Nation Collegiate Student Trust XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. AES claims they have nothing to do with these accounts since they wrote them off XX/XX/XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. AES has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the NCT loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent AES letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the AES/Charter ( citizens ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to AES they absolutely refuse to report these accounts as settled in full. AES says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the AES/NCT. As i said AES did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and AES and the credit agencies refuse to correct this. Your our last resort. thank you
Consumer complaint received 2016-03-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NJ)

On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.
Consumer complaint received 2016-03-10
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MS)

XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX