davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (NJ)

My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. 

I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has harassed me i told them many times that i had fraud charges on my account. the account was closed back in 2014. they were to remove the fraud charges but never did. after many many calls we got nowhere. they then tried to sue me for this debt for XXXX i was served with legal paper. this company was a joke they have made my life a nightmare. after all this i refused to pay a debt that was not mine but my wife offered to pay it and i refuse. She said she wanted to just be done with this so she called capital one many times they assured her once the debt was paid it would be a XXXX balance. she settled the debt for XXXX i believe, they promised her due to the fraud charges they would put the debt to XXXX dollars. and after everything they put us through you think they would stick to their word. They did not. this debt is still on my credit report and its still showing that i owe them when in fact i dont.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit Management/Midland Credit Management over the last couple of months i have requested validation a couple of times for a debt that is listed on my credit report by this company. I have asked for evidence that bears my signature that shows a contractual obligation to pay Midland Credit Management or Midland Funding ( It uses more than one name ) depending on which credit bureau that you check with. I sent a certified letter to the one address listed on the credit report only to get it back with a forwarding address. This company has different names and address listed which is inaccurate reporting.
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc. (NC)

This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (UT)

To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that you Capital One remove all of the late payments from since their reportings have several discrepancies. I know that I had not been late on any of my payments to Capital One.
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

To Whom It May Concern, This is now my third request for National Credit Systems , Inc. to stop reporting information to the credit bureau regarding this alleged debt. I have already submitted documents in my initial complaint, and I do not see my signature on any of the documents provided by your company. 

As XXXX XXXX ( formerly XXXX XXXX ), I confirm that I have never conducted any business with National Credit Systems, nor have I authorized the use of my personal information for this purpose. This continued action is unauthorized, and if it persists, I will have no choice but to pursue legal action. 

Please consider this a formal demand to cease all reporting to the credit bureau immediately. Any further unauthorized use of my personal information will be addressed in a legal forum. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( formerly XXXX XXXX )
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (OH)

While using Quicken Loans to finance a second home I feel the terms of the loan were not fully disclosed to us. While at the title company closing on the loan we discovered we had not actually put down 20 % as we had wanted. Also Quicken gave us a loan with Lender Paid Mortgage Insurance without our knowledge. Due to a number of factors we did sign the paperwork for the mortgage. Quicken has admitted to us they did not disclose to the LPMI and say they will refund the bulk cost of it. However I am of the opinion our interest rate suffered due to the fact that we did not actually put 20 % down and had LPMI. We had the funds and wanted to put down 20 %, therefore I 'm not willing to pay a higher interest rate compounded over the life of the mortgage.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.
Consumer complaint received 2016-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

Our mortgage was sold to Carrington MS , Inc about 6 months ago and they have made it nearly impossible to pay more than our minimum payment. We always try to pay extra to pay down our premium and previous mortgage servicing companies have made it easy to do so. Carrington, however, wants to collect as much interest as possible and refuses to work with us to make paying our loan off early a reality. It is frustrating that mortgage companies can sell our loan whenever they want, but our only recourse to rid ourselves of a selfish company is to refinance.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (FL)

This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.
Consumer complaint received 2016-05-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (TX)

I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX, I terminated my agreement with XXXX, after switching to XXXX XXXX, and returned the converter box. XXXX claimed I never returned it, and demanded payment, which I refused to make. XXXX then reported me to a collection agency, XXXX, which reported me to all XXXX credit bureaus. I had a house fire which destroyed my receipt for returning the converter box, so I decided to wait 7 years for it to fall off my report instead of paying what I did not owe. In XX/XX/XXXX, Stellar Recovery re-aged the information, and it is still on my credit report. I filed disputes with all XXXX credit reporting agencies about 2 months ago. XXXX and XXXX removed the item from my credit report. Transunion, however, kept it on my report, noting that I am disputing the information, but that it meets FCRA requirements. What I am looking for here is twofold. 1 ) To have this information, which has been falsified, removed from my report, and 2 ) For whoever is responsible for falsifying the information to face sanctions, including criminal penalties, if applicable.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (NJ)

We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (IL)

In an attempt to open an account, I waited the time frame I was told, but never received a response. I then contacted the financial institution and was told I needed to email identification. I complied and sent the information ( Passport and Drivers License ). A few days later I still had not heard anything, so I again contacted the institution and was told they could n't accept one of my identifications due to it not having all four corners visible. For a second time I complied and resent new pictures. After 5 business days of waiting, I called to see what was going on. I was told by a customer service employee that " we can not accept id through email ''. I explained that 2 other customer service agents told me to email the information. He stated that all he knew was they could not accept ID through email. I then asked for a supervisor. The supervisor told me that they had no records that my ID 's had been received. I then explained that I had sent them twice before. She asked me to send them again and that I would have to wait for approval. I explained to her that I 've jumped through enough hoops for this company and it was time that they did some jumping. I have now been dealing with this company for over 2 weeks, enough is enough. No action, no results, poor customer service.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NJ)

The above mentioned account is being reported as severely derogatory on my credit report. 

Late payments being reported : 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FIRST HORIZON BANK (CA)

This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt. 

In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property. 

We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement. 

Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect. 

I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.