davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Maximum Title Loans, LLC (AZ)

I took out a XXXX title loan on my car XX/XX/2018 with a 60 day no pay. They sent me an email on XX/XX/2018 stating that my payment was Due XX/XX/XXXX, I called them immediately to discuss why there was a payment due they then said Oh our mistake you are on a 60 day no pay your payment isnt until Due XX/XX/XXXX, then 3 days later I receive a text message saying my payment is past due the 2 seconds later I receive another text message saying please disregard you have a 60 day no pay. Then Today XX/XX/2018 my step daughter receives a call from them saying I am behind on my title loan and I need to pay them. I called them again to verify and was told I have to pay the payment now and I am behind, I explain I was told I had a 60 day no pay they then said let me call you back I need to talk to a manager, then 2 hours later I call back and I was told I have a 60 day no pay my payment is due XX/XX/XXXX.. then 3 hours later I get another call from the supervisor stating my payment is was due XX/XX/XXXX I explained I no longer had the money to make the payment as I was told that i had a 60 no pay if I have to pay now can I pay when I get paid in a week and she said I was told wrong information and I have to pay now or It will be a felony and they are going to call the police and take my car ... I made calls to them and I have returned everyone there calls each and every time and they are continuously calling my employer and all my references and giving them information on this loan which I never agreed to have them give my personal information and since I have been in touch and reachable why are they allowed to call every reference and my employer giving them details on my loan? The company is Maximum Title Loan LLC in XXXX AZ
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RS Clark and Associates, Inc. (TX)

Consumer Financial Protection Bureau ( CFPB ) Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, on my credit report, which R.S. Clark Associates claim I owe them {$120.00}. I sent certified letters On XX/XX/2018 and XX/XX/2018 requesting that R.S. Clark Associates send " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They sent a printout of a bill where some of the information had been cut off and my signature nowhere on the printout. 
I sent them this information regarding the FTC opinion letter from Attorney XXXX XXXX XXXX, stating that a printout of a bill or itemized document does not constitute verification. They could not send any contract with my signature on it. 
I have attached the last letter that I sent to them and the printout statement that they sent to me. Please have them delete the information from my XXXX and XXXX  credit reports. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE (CA)

Through a mortgage broker, XXXX XXXX, I submitted a loan application for the refinance of a duplex investment property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. HQ : XXXX XXXX. The loan officer at All Western who quoted the loan rate was XXXX XXXX XXXX, XXXX. On XX/XX/2018 XXXX XXXX XXXX 's assistant sent me many documents to sign electronically, one of which included the Loan Estimate ( 3pgs ) and my application for the loan. The loan rate was 4.75 % for a 30yr fixed. This was the same terms that my mortgage broker XXXX XXXX had sent me prior to me agreeing to apply for the loan. He got that quote from XXXX. XXXX. I had been asking for a rate lock from XXXX and XXXX XXXX XXXX and his assistant for 4 days and hadn't gotten a response. 

Today ( XX/XX/18 ) I finally got a return call from XXXX. XXXX and he told me that he had made a mistake on the rate and that the 4.75 % " does not exist. '' I asked why that rate was offered to me in all the documents they sent me for signature yesterday and he said he didn't realize that the loan was not a primary residence. I asked why ALL the documents he sent me for signature indicated it was an investment property, if he thought it was residential. He said he didn't know. He then offered me loan options which included higher rates, longer terms, interest only or a combination of those. I asked him if he had an obligation to honor what he had offered me and I accepted and he said that my rate was floating. I explained that, # 1 I had asked to lock the rate for 4 days and # 2 this change was not as a result of the rate floating up/down ; it was a completely new rate with new terms. He just repeated that " it doesn't exist '' for an investment property. 

Please see copy of 2 relevant pages of the loan application that reflects the loan was for an investment property and a copy of the loan estimate paperwork sent to me with a loan rate of 4.75 %, 30yr fixed.
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted this company, as well as the creditors listed, numerous times over the last nine months in regards to these accounts which have been fraudulently opened in my name, asking for validation or removal. Rather then performing an actual investigation both the company and the creditor neglected to do so and directed the blame back to the other, prohibiting me from having these fraudulent items and incorrect names and address and socials removed from my credit report, causing me undue financial and emotional harm. I have fortunately been able to get the majority of the personal information updated and/or removed from my account, however, the actual fraudulent accounts that were opened remain on my report. After much frustration on my part I was instructed to file a police report which I did at the beginning of XX/XX/2018. While the report resulted in the removal of 2 accounts I was told it was not specific enough for the remaining items on my report and that I should file an identity theft report with the FTC. A few weeks ago I filed requested reports and faxed them on the XX/XX/2018. Even though I did as I was instructed to, this company stated reasons that are in the alternative, and failed to block requested information or provide reasoning as required by law. I consider their decline to block as insufficient in even identifying its specific basis. I attached a copy of the police report and the identity theft report along with my proof of identification and statement that the accounts or any transaction thereon were never authorized by me to the fax I sent and met your burden of proof. Your option to decline requires more than just a statement of their possible reasons to do so under the statute. 


Treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent or not. That is why the identity theft blockage provision of section XXXX exists, to bypass the need to consider proofs. I have no proofs to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage, not contest the accuracy of its reporting.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I need some help maneuvering the student loan bureaucracy and ask for assistance to help me qualify for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Here 's my background : I have been paying monthly on my student loan since XX/XX/XXXX ( over 120 payments ). When I first started paying my student loan after XXXX school, I was making payments to Sallie Mae, which eventually was sold to Navient. Much like when a mortgage is sold, you just keep paying monthly to the loan provider, which is what I did. I also have worked full-time in XXXX XXXX for over 10 years. First, with the University XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX XXXX XXXX University ( XX/XX/XXXX- XX/XX/XXXX ). I qualify for the PSLF based on my years of public service and consistent re-payment of the load. Unfortunately, there is a loop hole in the law that the loans have to be consolidated under a directly consolidated loan through the federal government to qualify. Since was making payments through Sallie Mae and Navient, I was told by Federal Student Aid that my years of payments essentially " don't count '' toward loan forgiveness and I would have to consolidate the loan and make 120 more payments to qualify. I would have no way to have known about these options through Navient. This law was put in place to help those of us with crippling student load debt ; however, I would not have known to consolidate the loan back in XX/XX/XXXX when the law was put into effect. The issue is that I would have had no way to know this. I've done everything right. Consistent monthly payments for 14 years, working for state institutions and supporting public education. The issue is that
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -thank you!
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

WEB SITE BROKEN. PLEASE DO NOT SEND ANOTHER PAPER REPORT. I WANT A DIGITAL REPORT.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I first checked the Equifax breach information right after the breach happened and was told that my information was NOT part of the data that may have been compromised. That was in XX/XX/2017. I had received several letters of declined credit cards and acceptance for financial products/services ie credit card and online credit for retail products online. I contacted Equifax and they asked a bunch of security questions about some very detailed information that I did not have. It took me hours to get someone to just listen to the questions I was asking and it took three different calls to get them to place a hold on my account and to let me know I had that hold on the account. They also suggested that I purchase one of their other services when I was online trying to do this and I do not want to do business with them, I just want them to listen and help me straighten this situation out.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

At the cash register at XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX, I was offered a discount on my purchases of {$140.00} if I would apply for a credit card. I agreed. I was told my new credit card and invoice for my purchases would be sent to me shortly. I anticipated them for about three months but they never arrived. Then I forgot about the matter. In XX/XX/XXXX I received a letter and an invoice from XXXX XXXX XXXX , XXXX for {$340.00}. The letter said XXXX XXXX/XXXX  sold them my account. I called the phone number given and was told the amount of {$190.00} was interest that accumulated for all the months I didn't pay the {$140.00} bringing my total debt amount to {$340.00}. I offered to pay only the original amount of {$140.00} because I do owe it IF, in writing, they would agreed to that amount and give me a guarantee that they would not ding me on XXXX. Over the course of a week I spoke with three different people all of whom refused my offer insisting I pay {$340.00}. The last one said he would reduce the interest amount but would not accept my offer as I stated it.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My ex husband removed bonds from a joint safety deposit box. He cashed in bonds that were in mine and my children 's name at Bank of America. I had the US treasury do a search and I have copies of the bonds the signature on the bonds is my ex-husband 's name. From what I understand on the US treasury and B of A management, nobody but the people named on the bond are supposed cash them. My ex-husband stole my children 's and my bonds cash them with his signature and Bank of America processed it.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (TX)

Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (LA)

I decided to find a loan forgiveness program to start paying off my student loan and so it would not go against my credit score. I received a letter in the mail that said i I maybe eligible for services. I called the number and talked with a representative from Ameritech Financial. Her name was XXXX XXXX. She told me that i would pay {$170.00} for 13 mos then the payment would decrease to {$99.00} the 14th mos and going forward. She then transferred me to another agent who said that i would have to give my bank info because the payments had to be direct deposit so i did. Every month, they have been taking out {$170.00} and now {$99.00} as they promised. I have received a letter in the mail from federal trade commission that they are sueing Ameritech Financial for deceptive practices and the court has not ruled yet and that the money I've been sending them is not going towards my student loan. It also said for me to file a report and call them directly to cancel my membership which I will do after filing this complaint. I can send more documentation showing payments and the contract I've made with them if needed.
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (OH)

Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.
Consumer complaint received 2018-07-05
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. (KY)

Unauthorized hard inquires TransUnion refuses to remove. I contacted all lenders below and they refused to to remove them. 
When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants, Inc. had a derogatory account on my credit report for an account belonging to XXXX. I am a victim of identity theft, I've already disputed the validity of this account and it has been removed from my credit profile twice. I recently moved and now I am once again starting to receive harassment via telephone and now U.S. mail regarding a debt that is not mine. Furthermore I have NEVER done business with Diversified Consultants therefore they have no right to contact me or harass me for a debt that is not even owed to them. The account number on the notice is XXXX and agency reference number is XXXX. The amount Diversified Consultants is threatening to damage my credit over is {$220.00}. Again, I have no business with Diversified Consultants, never have and I do not owe a debt to them or XXXX. I would like for them to discontinue contacting me and to leave my credit profile unbothered.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (NY)

I noted a collection account on my annual credit report and contacted the company by mail on XX/XX/18 inquiring about this transaction. The letter was returned. 

I sent another letter via certified mail on XX/XX/18 and the letter was returned on XX/XX/18.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc. (CA)

This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I was contacted by this firm XXXX XXXX stating that I was a victim of predatory lending. 

This correspondence reference the complaint filed against XXXX XXXX. This was a firm that sought me out alleging that I was a victim of predatory lending with mortgage company ( Pennymac ) I had completed two trial payment plans ( 6months ) of {$1200.00} a month each to get an approved modification and XXXX in late fees and delinquent payments was added on. 
Thanks XXXX XXXX and established a business contact stating the firm represent