davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (KY)

-In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ). 
-I was originally set up with a payment plan to pay off my debt. 
-I kept getting statements from the every month but it did n't seem that my balance was going down any. 
After calling and asking why my balance was n't change is when I was told about the " bill collector fee. '' I was NOT informed about this in the beginning. 
-After a year of paying religiously I was told I had start paying more because my 12 months was up ( I was never informed that I could only make payments for 12 months. ) I told them I would get back with them in a week or so with how much I would able to raise my payments. They called back after 2 weeks and told me I HAD to pay my debt in full. 
-I asked several times for documentation stating where I said I could only make payments for 12 months. I also asked for documentations stating why all of a sudden I had to pay it in full. 
-They kept calling me while I was working and I told them they needed to stop calling me during this time. Yet I continued to get several phone calls. When I finally answered one and told them I had asked several times for them to stop calling me while i was at work, I was called a liar. 
-I feel threaten, harassed, and lied to.
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (NV)

The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NY)

I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I recently disputed the fraud alert on my credit report and it was reversed.Son it has now been taken off If my address is not in the zip cod of XXXX this is not me and my updated phone number is XXXX i have taken extra measures in hopes that this does n't happen again.Please ask for the sec. word that starts with XXXX THANKS, CALL ME IMMEDIATELY IF THERE ARE ANY QUESTIONS OR CHANGES.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

On XX/XX/2016 I sent my mortgage payment in for XX/XX/2016, on XX/XX/2016 Ocwen received my monthly mortgage payment for XX/XX/2016. On XX/XX/2016 the check cleared my bank account. My monthly payment breaks down as : Check # XXXX ... ... total amount due for mortgage payment is {$1200.00} ... ... total amount I sent to Ocwen for XX/XX/2106 payment {$3000.00} ... ... I specified clearly on the check and on the monthly payment coupon for XX/XX/2016 sent to me by Ocwen, that I would like {$1800.00} to be applied to the PRINCIPAL payment of the loan and the rest {$1200.00} is for the XX/XX/2016 monthly payment. [ now out of the {$1200.00} there is a portion of that, that goes to the principal ] On XXXX I logged into my account on line and noticed that Ocwen failed to properly distribute my funds correctly. As you can clearly see, Ocwen applied all of my funds to the principal and nothing to the monthly payment. Since they have done this my account now shows that I still owe for XX/XX/2016, and in reality my account should next be due in XX/XX/2016. Yes, I am one month paid up on my mortgage payments.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED AND THE SUPPORTING DOCUMENTATION, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS ACCOUNTS TO REMOVE XXXX : # XXXX {$260.00}
Consumer complaint received 2016-08-11
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: POPULAR BANK (FL)

On XXXX/XXXX/XXXX I received a BANCO 'S POPULAR check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. 
PLEASE.. I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After XXXX XXXX XXXX accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX XXXX and asked them to call their Bank XXXX XXXX to search for that check so they e mailed me that the check was cashed and they cant help me anymore. XXXX XXXX stated that they cant research this check because I am not their customer. XXXX have searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in XXXX! 
Can someone contact banco popular and see who did they pay this check to?
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Innovate Managed Holdings, LLC (GA)

My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2016-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates (CA)

An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synerprise Consulting Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I was told by phone and in my loan modification one payment and it has now change. My escrow account seems rig. I did n't sign or agree to no other payment. Ocwen is still ripping homeowners off and lying about their agreements. Every time I call each rep gives me a different answer than the other..And they just say I 'm sorry ''. And I say sorry does n't help me. They need professional people that know what they 're talking about and not hang up on their customer. Yes an Ocwen rep hung up on me on XXXX XXXX at approximately XXXX. It appears he got frustrated because he could n't answer my questions. I called back, and all the next rep has to say is " sorry ''. I 'm XXXX off with Ocwen and they need to be legally check again for their mishaps..They are wrong, AGAIN!
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX our Bank of America Mortgage Loan was refinanced by my Mother, Brother and I to help our Mother financially after my Father passed away in XXXX. In XXXX Bank of America ( " BofA '' ) Home Retention Dept. offered her a 3-month Trial Mortgage Modification to further assist her financially. This Trail Modification lasted 4 years until it finally became permanent in XXXX, the year my Mother passed away. During this time, BofA caused the total debt surrounding our Refinanced Mortgage in the amount of {$33000.00} which was accumulated over this 4 year period from XXXX to XXXX. This occurred because the Temporary Mortgage Modification rate was paid as promised by BofA Home Retention for 4 years until the Modification became permanent in XXXX. 
In XXXX, at the Bank of America ( " BofA '' ) Refinance Home Loan Closing my Mother, Brother and I signed and initialed every page put before us of the Mortgage Agreement documents and the Department of Housing and Urban Development Final Settlement Statement document as the primary property owners of our home and borrowers of the Refinaced Home Loan. Four years later my Mother passed away in XXXX and Bank of America refused to acknowledge that my Brother and I were indeed borrowers on the Loan at the time of Closing in XXXX. When asked the reason why, BofA 's, XXXX produced a Bank Note without my Brother and my signature on it. However they acknowledged that Dept of Housing Final Settlement Statement was signed by all 3 of us listed as signatories on the document. BofA 's Assumption Dept. refused to acknowledge the descrpency and correct this action, ignoring the facts of what they had presented before them. This disregard to this date for what we agreed to and Closed on in writing has caused us far reaching ramifications with long lasting monetary damages to our family with negative results that needs to be fixed which will soon be felt even more by the actions mandated by the Dept. of Justice, IRS and State Tax Agency if we do not recover the monetary and personal damages from our losses due to the Bank of Americas negligence over the past several years. To this date Bank of America will not answer my letters, calls and pleas for action on their part to resolve this matter. Instead they distance themselves from this problem by transferring our Mortgage to different Servicers and calling the action that it 's out of their hands. Unfortunately, I 've found that it clearly is not out of BofA 's hands due to the fact that Bank of America shares the same Attorney Law Firm ( s ) with XXXX an out of State XXXX servicer. Since the transfer to XXXX in early XXXX, our Homeowner 's Insurance Escrow was cancelled however our Tax Escrow as far as I know was not cancelled. Upon pointing this out to XXXX XXXX, another transfer took place to another out of State of XXXX, XXXX in XX/XX/2016 who has not yet made contact regarding our property or complaints.
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.
Consumer complaint received 2021-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (FL)

This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (DE)

Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (OH)

I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Supreme Lending (GA)

I closed on a loan for a condo, XXXX/XXXX/15. A condition of closing was that flood insurance be in place. The loan was underwritten with inadequate coverage and it was 6 months, before I was notified. The letter provided, at that time, was not clear about the reason forced placed flood coverage would be implemented. When I finally got to the bottom of the issue no one could tell me why the loan was processed if all conditions had not been met. Furthermore, I have requested a written notice of exactly how much flood insurance is needed, but have received no response. The lender has not been able to explain why it took 6 months for their error to be discovered. After getting the run around from a customer service representative and hung up on, by her supervisor, I spoke with someone who stated an investigation would be started with both the Underwriting and Service depts. I was advised I would receive a follow up call from the head of the Service dept. This was over 3 weeks ago. To date, I have not received any communication from XXXX XXXX, XXXX Supreme Lending and their error has caused a {$1200.00}, annual, increase in my escrow payment.