davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY (FL)

I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (NM)

Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have continued to submit XXXX checks each month to Navient ( XXXX for my federal loan, XXXX for my private loan ), just as I have done for the past 15 years. Starting approximately four months ago, Navient has sent me a form letter informing me that they have taken it upon themselves to reallocate a portion of my payment from my federal loan to my private loan without my consent and I pay more than the minimum. The interest rate on my federal loan is higher than my private loan, so it is obvious why Navient keeps doing this. I have written them letters and called every single month. Each month they tell me they do n't know how it happened and insist it is just a clerical error -- but yet it keeps happening no matter how many phone calls or letter I send. I have had it. I have honored my end of the contract -- Navient is a simply negligent and/or dishonest loan servicer.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.
Consumer complaint received 2017-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Upon calling Navient for help when my loans went into default on two separate occasions, the most recent being about three weeks ago, I was only eligible to perform a forbearance. I had mentioned to Navient the first time I was behind payments that the school I was attending should have submitted my paperwork, and they later confirmed but would not postpone the payments due or offer lower payments ; instead they said my best bet was a forbearance. 

This past month I called them to notify I was again XXXX in school XXXX, and they said the school 's responsibility and mine is to submit the paperwork. I then asked if I could have my payments revised since I had multiple health bills impact me previously before becoming re-enrolled into school full time. They said that I was only eligible for a forbearance and not to worry about it, my payments would just go up a bit, but I would n't have to pay for 3 months. Not once was I educated on the impact it would have on my credit, nor the amount it would actually increase my TOTAL loan amounts versus the monthly payment " slightly '' rising. My credit was negatively impacted as a result because of this and I have had this loan and made multiple payments but now owe more than I initially borrowed. The lack of information, options offered, and seemingly sales-like push of the forbearance on multiple occasions is the reason I am reporting a student loan complaint.
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (IN)

I consolidated my federal student loans last year. A few years before that, my parents helped pay off of my loans. I have the documents that the loans have been paid off. I keep submitting the official paid off loan documents to Fed Loans, where I consolidated my loans with. They refuse to remove this balance, although I have proof that the loans have been paid off already. Right now, I put Fed Loan on forebearance until I can figure out how to remove this XXXX, XXXX plus balance.
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

I have tried to contact my loan company regarding my loan information and defaulting. My loan has been sold to a second collection agency who refuses to work with me and give me false information. Often times I am unable to find out my balance and verify my funds being taken from my check are actually being applied to my school loan payments. AES refused to help.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recently sold my home and had to pay a {$500.00} escrow because I have no proof that a prior mortgage has been paid off. So now I can not get my {$500.00} back. I have spent hours on the phone with Bank of America and gotten nowhere ; mostly just listening to hold music and getting disconnected
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I applied for my IBR recertification via XXXX and Navient XXXX of my lenders rejected my application stating that I needed to provide pay stubs instead of my tax return from last year ( which I had provided ). I refused to give my pay stubs because 1 ) I am permitted to provide my tax return for recertification and 2 ) last year when I provided two weekly pay stubs at their request they said my income was double what it actually was and calculated my payments accordingly despite the fact that the pay stubs clearly stated they were from two different weeks. I resubmitted my recertification application but am concerned they will just reject again for no reason.
Consumer complaint received 2016-12-27
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and XXXX ).
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help
Consumer complaint received 2016-08-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

. I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to file a complaint against TransUnion for not following the rules of the FCRA, specifically section 611 ( 5 ) ( A ). Here are the details which my complaint is based upon. Last year I noticed that TransUnion was reporting items on my credit report which I did not recognize, or have any previous knowledge of. I notified them ( see attachment " TransUnion '' ) of this error and asked that they remove the items. They claimed to have " investigated and verified '' the accounts and permitted them to remain on my report. In XX/XX/XXXX, I notified the companies reporting the misinformation to TransUnion ( see attachments " XXXX XXXX '' and " XXXX '' ) and informed them that they were reporting erroneous information and to correct their records. I asked that they provide me with some verifiable evidence of my indebtedness to them ( signed, executed contract, application or agreement ) They failed to do so. It 's now way past the 30 day allowable timeframe for them to provide me with requested documentation. I have since asked TransUnion to re-investigate these accounts, via their online dispute system, and they continue to report these erroneous, invalid accounts on my credit file. As a result, I feel that I have been harmed, emotionally and financially and ask that you assist in resolving this manner as soon as possible.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OH)

My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

The billing office of XXXX XXXX, XXXX had not submitted any of my XX/XX/XXXX claims to my insurance company, though they accepted my health insurance, XXXX XXXX, all year long. " XXXX '' in billing stated she missed timely filing deadlines and ordered me to pay, or she would withhold medical services. I paid {$300.00} by check in XX/XX/XXXX, and on XXXX XXXX, XXXX I paid another {$180.00}, toward this debt on my XXXX card. They sent me to collections on XXXX/XXXX/XXXX ANYWAY, for {$610.00} at Healthcare Collections , LLC aka HCI, ( XXXX ) XXXX XXXX. I had 2 separate conversations directly with the doctor ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX and emailed him on XXXX/XXXX/XXXX, who admits XXXX balance, though I continue to receive rude, harassing calls from HCI on a daily basis from XXXX ( or XXXX ) & XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2016-11-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CarFinance Capital LLC, Irvine, CA Branch (GA)

I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (VA)

This company ... 

MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

As of XX/XX/2016, by my loan documents, I am no longer required to pay for pmi. But BofA still says I have to pay for another month because my XX/XX/XXXX payment fell on XX/XX/XXXX. They say I will no longer have to pay it come XX/XX/XXXX payment. They disregarding the terms of my contract.