davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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: Global Lending Services LLC (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed (TX)

I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.
Consumer complaint received 2017-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives
Consumer complaint received 2023-05-13
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: Exeter Finance, LLC. (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc. (MD)

I never received early warning notice from collector. I called the collection agency and they I advised them that one of the bills was never sent to my health insurance, the young lady stated that they sent It to XXXX XXXX, I explained to her that I had XXXX at the time and provided the insurance information. She stated that they will not remove it from my credit report but will bill the insurance company and it may get denied for timely filing and if so then I will have to appeal it with the insurance company. I explained to her that they have 365 days from the date of service to send a claim and that at the time I went to the hospital I provided my insurance card and the hospital still submitted the claim to the wrong insurance company. I also told her that I never received and early warning notice in reference to neither of the bills, therefore not giving me a chance to validate the debt.
Consumer complaint received 2023-05-13
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: DriveTime (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (MA)

I have tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

The complaint at its core is the loan was charged off and closed prior to receiving all insurance monies. The vehicle total loss date was XX/XX/XXXX. All payments had previously been made on time or prior to monthly due date of the XXXX up to and including the XX/XX/XXXX payment. I knew everything would be covered by the primary insurance, service contract cancellations, and GAP payments and communicated this to the finance company multiple times. Because of communication issues between the finance company and the primary insurance company, the insurance payments were delayed from the very start. I had to email the Settlement Summary from the primary insurance to the finance company on XX/XX/XXXX because they could not communicate and I had to step in. It was this same day that I sent the finance company the GAP checklist to obtain GAP benefits.
OnXX/XX/XXXX I physically went to the dealership from where I purchased the vehicle to cancel the extended warranty and oil service contracts. I found out much later that only the extended warranty was cancelled at this time. It took approximately 2 months for the extended warranty cancellation refund to reach the finance company and my account. I did not realize until the end of XX/XX/XXXX that the oil service contract had not been canceled and it seems the finance company had no idea either. Once I realized this mistake, I physically went back to the dealership to have the oil service canceled even though I have paperwork showing it was cancelled in XX/XX/XXXX.
The initial GAP payment was made in early XX/XX/XXXX. The breakdown I received was dated XX/XX/XXXX. In the GAP benefit calculation the original full price of both the extended warranty and the oil service contract are deducted from the initial payment. In a page accompanying the breakdown titled " Important Questions and Answers '', an explanation is given as to how a supplemental payment is made to the lender for the used portion of the extended service contracts. I highlighted this section in a phone call and email to the finance company both occurring on XX/XX/XXXX.
In early XX/XX/XXXX, I received a final bill closing the auto loan account. I emailed the finance companyXX/XX/XXXX to once again highlight the paragraph explaining the supplemental GAP payment to show they were closing the account in error. On or just before XX/XX/XXXX I received a breakdown of the supplemental GAP payment which I immediately emailed to the finance company. I then called and spoke to the finance company about the final payment from the GAP policy. The GAP company had amended my finance contract to state the finance company would backdate insurance benefit payments to the date of loss as had happened with the previous payments but since the account had been charged off, they could no longer backdate the final payment from the GAP company. I was told by a supervisor that they were in the process of waving the final balance of {$13.00} but that has never occurred.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FCI Lender Services Inc. (AZ)

Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OK)

I filed for Chapter XXXX bankruptcy protection in XXXX primarily for relief with XXXX private student loans serviced by XXXX XXXX ( now Navient ). I have multiple student loans with Navient. Only XXXX of the private loans were part of the bankruptcy repayment plan. As part of the plan I repaid the balance of these loans in full with 4 % interest, and did so 2 years early XXXX XXXX XXXX ). Subsequent to receiving my bankruptcy discharge I noted that the XXXX accounts which should have been paid in full were still present and had a balance. After doing some research I realized that the trustee 's payments for the bankruptcy had been directed across ALL of my loan accounts, not just the XXXX that were named in the suit. I called Navient to inquire about this and was initially instructed that there was no issue, that all accounts were in good standing and there was nothing to be concerned about. I later discovered after checking my credit score that these XXXX accounts were actively being reported as " Charge-Off '' with an outstanding balance that showed as not being repaid. I have not missed any payments since completion of my Chapter XXXX bankruptcy. I have paid these loans as directed both by the Federal Court and by Navient. I have on multiple occasions sought to resolve and correct this with Navient, but I have received no admission of error or assistance in resolving this dispute amicably. Today I was even advised by a Navient employee that it might be easier for me to just go back to my attorney and file proceedings in bankruptcy court to resolve this issue. This is actively impacting my credit score in a negative manner and is impeding my ability to put this unfortunate issue behind me. I do not see how it is my responsibility to take time away from my job, hire an attorney, and return to court when that is exactly what I did already with the original filing. I followed the terms of the repayment plan laid out in bankruptcy court, and did so faster than required. To me this amounts to continued punishment despite repayment of a debt, the very thing the bankruptcy court is supposed to let consumers avoid.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (FL)

I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.