davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Guild Holdings Company (CA)

I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.
Consumer complaint received 2017-04-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

In XX/XX/XXXX, I saw an entry on my credit report from XXXX XXXX XXXX for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last XXXX of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to Texas Finance Code what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, XXXX XXXX sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to XXXX in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with XXXX. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with XXXX XXXX and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all three bureaus immediately and all collection attempts ceased.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES (NC)

I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

On XXXX XXXX, XXXX I took a mortgage loan with XXXX XXXX XXXX. In XXXX, the loan was transferred a company called, Green Tree Servicing, my payments increased dramatically after that, which is the reason I was unable to keep making payments. On XXXX XXXX, XXXX the bank, Green Tree, started a foreclosure action against my home. I tried to make arrangements by doing loan modifications ; only for being denied with no explanation or different explanations every time. The loan modification process with the bank was difficult because the bank would asked for more documentation or because it tansferred to another bank or the account number changed or the representative in charged of the file changed. It was always a different reason to successfully slow down the loan modification process. The bank, whichever company is, has not review my file properly for a loan modification. The bank has neglected me.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (AL)

It appears that someone in XXXX has used my name and possibly social security number. The claim is stating that I owe XXXX XXXX for utilities not paid. 

I have never lived in XXXX and at the time of the claim I was living in Alabama.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite several letters to Transunion regarding the following issue, they have failed to respond specifically to my complaint. 
They list an account, XXXX XXXX XXXX XXXX, with an " open-collection/charge-off '' status and show that the amount owed is XXXX % of credit utilized. This obviously and significantly impacts my credit rating. 
The problem is simple : if this account is in " collection and has been charged off '', there is NO AVAILABLE CREDIT and therefore a percentage of credit utilization is both misleading and inappropriate. I have addressed this to TransUnion several times with no success. XXXX, on the other hand, immediately corrected the problem. 

Please help.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX?? 
I do not understand why this should impact my credit. No one explained to me they would be doing a credit check???. I currently have XXXX XXXX as my Car insurance carrier. XXXX keeps asking me to try them again. I want these removed. Please. I have never lived at XXXX XXXX XXXX in XXXX, CT XXXX. Name ID - XXXX is incorrect & not me. Name ID - XXXX XXXX XXXX XXXX, not me. Never worked for XXXX. Name ID XXXX not mine either
Consumer complaint received 2016-09-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (DE)

I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC. (NC)

I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.
Consumer complaint received 2016-11-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

On XXXX XXXX, 2016 I reviewed my credit report and noticed accounts that I do not recall. These accounts claim that I owe Wakefield and Associates. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting specific information regarding the accounts they claim I owe them. On XXXX XXXX, 2016 I received a verification letter from Wakefield and Associates. They did not respond according my validation letter. I am requesting that they provide specific information regarding the accounts they claim I owe them.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

During the lease contract, the finance person at XXXX XXXX never went over all the clauses associated to the contract. The finance person was pretty deceptive in omitting the fact that Lexus financial would be charged a property tax by the city of XXXX XXXX when a vehicle is leased. The wording in the clause that I signed made it seem as if the fees imposed are my normal vehicle registration fees I would pay the city which is standard in my state. It even indicated that in the state of Texas we are exempt from property tax. I should not have to pay property tax on a vehicle I do n't fully own. I have never paid property tax on any of the vehicles I have financed and should not be held to a different standard because of a lease.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CURO Intermediate Holdings (MO)

On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: National Enterprise Systems, Inc. (CT)

N.E.S. is a collection agency that has been contracted by XXXX to service a debt. This company has accessed my credit report for private information recently, as demonstrated by the attached document reflecting my XXXX report. I have never been contacted by this agency, however, they recently made several attempts to contact my family from various local phone numbers. In addition to this deceptive and harassing behavior, they called asking specifically for my father XXXX XXXX to discuss private financial information related to my private XXXX student loan. My father is not a cosigner on any of the loans currently serviced by XXXX or its collection agents. NES disclosed the amount of the loan and demanded payment from my father. NES has accessed private information to harass and persuade a payment for loans that have been in default for more than 4 years and were previously serviced by an agency of XXXX that were issued a ( formal ) legal cease and desist by my family. NES and XXXX have blatantly violated the FDCPA by contacting and harassing family members discussing private financial information in attempt to collect a debt.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America refuse to offer me the {$1000.00} sign on promotion of my business checking account. 

On XXXX XXXX, XXXX, I opened my business checking account XXXX in their branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The business banker, XXXX XXXX, applied the {$1000.00} promotion ( open business checking plus business credit card ) on my account and applied business credit card for me. XXXX XXXX told me that opening the business checking account and the business credit card account will qualify me for the {$1000.00} promotion. Usually the promotion will show up in my bank account about 5 months. 

I have not got my {$1000.00} promotion till now. Bank of America told me that my promotion was denied because I did not complete the spending requirement of my business credit card. The banker, XXXX XXXX, never told me this requirement. I sent her several emails, ask for explanation. She never reply my email. I went to her branch several times, she avoided to meet me. I got her cell phone number in her branch. I called her several times and left her several voice message. She never get back to me. 

I called the Bank of America Customer Service center for help on XXXX XXXX, XXXX. One supervisor told me the only thing they can do is forward this to the local branch manager. I should get a telephone call from the local branch manager in 2 days for a solution. 2 days later, no one called me. I called the Bank of America Customer Service center for explanation. They told me the local branch manager need 2 more days to handle this. I should get a telephone call in the next 2 days. By till now, I did not get any telephone call yet. 

I am a loyal customer of Bank of America for more than 10 years now. I have several personal accounts and XXXX brokerage accounts with them for many years. I keep more than {$15000.00} in my business checking account and did many transactions. Now they play games with me, refuse to give me the {$1000.00} promotion and I can not get the explanation from the local banker. 

I am very angry and want to file a complaint. 

I want Bank of America offer me the {$1000.00} sign on bonus for my business checking account.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (LA)

Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

Ocwen Loan servicing allowed a mortgage to obtained in XX/XX/XXXX by a forgery, I advised them of this when I found out about it, Ocwen has released me from the loan and responsibility of the mortgage. However they only removed derogatory remarks on my credit from XX/XX/XXXX forward, since this loan was a forgery and I was not aware of it, I would like all derogatory marks on my credit report removed from the start of this forged loan as of XX/XX/XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services (FL)

i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports