davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (CA)

On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. 
Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. 

I now demand that XXXX XXXX review my documents and delete it from my report. 
Thanks, XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was  around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (FL)

Original Loan balance inXX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called The Money Source and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
Consumer complaint received 2018-07-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar appears to not be answering when letters were sent to them. A Notice of Error was sent with Certified Receipt and no response came back. The last 3 months, " New Evidence '' was provided by a Federal Agency that shows that a wrong claim is being represented. This pertains to XXXX having already said they were only lender/beneficiary and had accelerated this note in XX/XX/XXXX. 

The SEC states that the named Trust is Terminated. It was taken back to XXXX XXXX XXXX to which they said that the " Assignment in XX/XX/XXXX '' is a MISTAKE. And that Trust could not have been assigned to XXXX 's note. XXXX also had caused a NOD in XX/XX/XXXX ' Solely naming XXXX. There was no such Trust as being named that Nationstar says they work on behalf. I think that " XXXX '' had transferred to Nationstar a Note that was time barred as of XX/XX/XXXX, Exceeding the CA COMM CODE 3118. No ENFORCEMENT RIGHTS REMAIN. However, Nationstar will not answer this topic. 

And the Attorney firm XXXX XXXX XXXX   was also provided " Certified Mail '' and a Demand to Release this Lien as per CA Civil Code 2941. et seq. XXXX XXXX XXXX agreed all 3 of my properties were in fact time barred and past the Statutes. 

XXXX XXXX is not answering either and stated that Nationstar will answer. Neither one is answering me on this very important topic. This can lead to stealing property from another and which I think that is what they are trying to do. They will not look at the facts. 

I am asking to Please answer the requirements of which were sent in the mail. Proof of receipt and yet they continue to state they will be answering. I am waiting for the confirmation of the Release of the Lien. This has been twice time barred. Over 12 years and stale debt being claimed. 

Thank you.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (PA)

I applied for and received a Wells Fargo credit card earlier this year. The credit card and statements have been coming to my correct address. 

Today I wanted to cash in the XXXX bonus and about 21.00 in cash back so I called the number on the back of the card. I was hung up on 4 times at various times after being on hold, while speaking with a rep. I finally got somebody who didn't hang up, and the rep confirmed my identity by asking several questions including my address. 

The rep transferred me to the rewards department. The rep in the rewards department asked me questions to verify my identity, including my address. But, she said she had a different out-of-state address, so she transferred me to 'banking ' which again had me on hold for a while before a rep answered. 

The banking rep also asked me for my address, and she had my correct address. She said she didn't know why the rewards dept had another address, but assured me that she had fixed the problem, and transferred me back to rewards again- so I was on hold for a while yet again. 

The new rewards rep asked me to confirm my address - but he still had the same wrong address.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have multiple student loans from medical school that are serviced by Navient. Two federal student loans ( in one billing group with one due date ) and three private students loans ( in a second billing group with a different due date ). Despite the fact that I send my two payments automatically from my bank ahead of the due dates each month, Navient continues to misapply my payments between the two groups and subsequently hassles me with phone calls and emails saying that my accounts are past due. This has happened REPEATEDLY over the past few years. I just got off the phone with Navient AGAIN after discovering that they had incorrectly applied myXX/XX/2018 and XX/XX/2018 Federal Loan payments AND my XX/XX/2018 private loan payments! The only way Navient will guarantee the correct allocation of my payments is if I consent to direct debit from my personal checking account each month. I am reluctant to do this due to experiencing identity theft in the past and breaches of my personal data ( including my social security number ) by other large financial institutions. I have verified the correct payment addresses, due dates, account and billing group numbers, and amounts for all of my student loans. My bank sends the checks and they arrive before the due date automatically each month. Navient should be able to correctly apply my payments. I am doing my part as a consumer. They are NOT doing their part as my lender. I have had several Navient customer service representatives tell me that this is a frequent problem for their customers. NOTE : because I have accepted electronic correspondence from Navient, I no longer receive paper statements. Most of their communication regarding the erroneous past due payments is via voice mail and email. These communications do not specify the reason for the call, they simply instruct me to call Navient. Therefore, I do not have any helpful documentation I can upload. I have pages and pages of handwritten, personal notes that I could transcribe if helpful.
Consumer complaint received 2018-09-10
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. (IL)

Almost a year ago I had received a call claiming I had to pay a past due debt on a credit card through XXXX XXXX. That day I made the full and final payment to pay off past debt and close the account. On XX/XX/2018 I received a call stating I need to a Mrs.XXXX back because she had a matter escalated to her office, and I needed to reach her. Today on XX/XX/2018 I receive another call from the same number stating the same as I needed to call with or without an attorney present to resolve matters or action would be taken against me, the call stating the same as the last but by aMrs. XXXX. My account should have been payed in full and closed almost a year ago. I am not happy with the harassment I am receiving with these calls.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Original Loan balance in XX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called XXXX XXXX XXXX and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (MA)

On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX  military service, it is still considered debts incurred prior to the current period of military service ( USAF ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. 

Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).
Consumer complaint received 2018-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY (MA)

In XX/XX/XXXX, I took out an auto loan through TD Bank for aXX/XX/XXXX XXXX XXXX XXXX. In XX/XX/XXXX, with less than {$2500.00} owed, I had to file Chapter XXXX  bankruptcy because TD Bank refused to work out a payment plan on the remaining balance. That Bankruptcy was discharged and in XX/XX/XXXX, I filed for Ch-XXXX  Bankruptcy to obtain a payment plan to payoff the TD Autoloan as they refused to restructure or give me any type of affordable payment plan. My Ch-XXXX was completed in XX/XX/XXXX and I was issued a final report showing that TD received the balance in full of their claim. I have been trying for 2 years to have TD Bank release the title to my vehicle to which they have vehemently refused. I have spoken to managers, customer service people, branch staff and at this point am considering legal action.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (TX)

On XX/XX/2018 I received a letter from JH Portfolio Debt Equities , LLC ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX standard found in XXXX v. XXXX, XXXX which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Consumer complaint received 2018-09-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (IN)

In response to your CFPB statement, I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX Veteran there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuits, 2 in my state of Indiana alone, 120 million registered complaints here on the CFPB, D rated company according to BBB it is evident to see the malfeasance. The following websites were created to inform others of the true scams behind Selene Finance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short of the investment company owners lining the pockets of the politicians it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the predatory methods and malfeasance from this deplorable company.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OH)

I filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
XXXX5 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION (KS)

Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.