davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: C & M Associates Group, Inc. (CA)

I settled the debt in XX/XX/XXXX and since then I have received various phone calls throughout the years claiming I still owe the debt and will be sued. Today I received a call from XXXX who was willing to tell me my social security number, addresses, maiden and married names, and said they 're going to file against me for this very debt. This is not the only company to call me about this over the last 11 years ( the account was originally charged off in XX/XX/XXXX ). I need these harrassing calls to stop. XXXX XXXX XXXX ( the original debt ) confirmed today that it was charged off and sold to XXXX XXXX XXXX in XX/XX/XXXX, and that business is closed. I settled and paid to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and they are also closed. How can I track down what happened with my settlement and make the collections stop?
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (DC)

I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. ''
Consumer complaint received 2015-04-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/ around end the month I checked my consumer report and notice a outstanding debt from collection agency. I contacted the originator of whom I did business with which was XXXX. I was told that all issues were handle over to this agency. I requested written agreement on which the contract that I had with XXXX originally. I have still have not obtain that information.
Consumer complaint received 2016-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IL)

HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XX/XX/XXXX I purchased my first home with a mortgage from Huntington. The mortgage payment was roughly {$990.00}. XX/XX/XXXX Huntington informed me that my new mortgage payment was roughly going to be {$1300.00} a month for the next year and roughly {$1200.00} for the remaining 28 years on the mortgage. They stated to me that they had incorrectly calculated my taxes on the original mortgage document and that I was stuck with this new payment. I contacted a lawyer and was told that I was a victim of a " bait and switch '' loan. I was unable to make these payment and lost my house. This destroyed my credit in the process. Huntington never offered to help me in any way. They never rewrote my mortgage and I was never presented with documents showing how this was possible. I was only ever presented with a bill each month for this new amount. I was fortunate enough to sell my home in XX/XX/XXXX. I lost my life savings in the process paying back various fees and payments in order to avoid having a foreclosure mark on my credit score for the rest of my life. During this time I occupied the home and Huntington made multiple attempts to winterize my house while I lived there. They hired third party contractors to come to my home and inspect it while I was at work despite he fact that this was my only residence. Their customer service mocked and laughed at me on various occasions as I pledded for help bringing me to tears on multiple occasions. I became depressed to the point of contemplating suicide more than once. If not for the grace of God and Him having me meet my now wife during this crisis I would not be here to file this complaint.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NH)

I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was congratulated on my mortgage modification. But the bank did not disclosed the new term and the percentage rate of the loan. I 'm still at 8.5 percent and 11 percent on loans. I 've been dealing with them for over a year now they are just doing nothing. I have an XXXX child and I have XXXX. I have been feeling as this is a JOKE to them. The bank is not treating me with any respect and they are not willing to help me!
Consumer complaint received 2016-02-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ricart Financial Services (OH)

In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!!
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northeast Collection Bureau (NY)

On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.
Consumer complaint received 2016-01-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I 've closed a loan through a re-finance and I am owed balance from an escrow account for taxes that was paid by the new bank -- called PennyMac -- they have told me that they paid the outstanding taxes due to the XXXX however the new bank has reported they have paid the outstanding taxes at closing. the loan was re-financed on XXXX/XXXX/2015
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX Equifax and XXXX. I listed the accounts I had a problem with. 
1.XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XX/XX/XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX/XXXX same people I was in a XXXX in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XX/XX/XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Credit Management, LLC (ID)

The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (TX)

I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles. 
Who is responsible for updating any information regarding my loan : PHH or XXXX?? 
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

Acura Financial Services sends me bills with little time before due date every month, just today XXXX/XXXX/2015 I received a bill which due date is XXXX XXXX, 2015 ; the are not complying with all financial institutions regulations to provide bills with XXXX weeks prior to due date.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center (WI)

XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. 

I have written letters to multi companies including figerhut this is not my debt. 


after calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. 

Lastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business.