davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Applied for a credit card with Bank of America on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from XXXX that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my XXXX  report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or Bank of America had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!
Consumer complaint received 2017-09-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (KY)

I co-signed for my daughter on a mobile home and filed bankruptcy in the year of XXXX on the account but the account number was somehow changed. Therefore, a collection agency still continues to harass me for the debt. ( My daughter has since then moved on leaving a balance owed. ) The collection agency has been given this information as well as credit bureaus but both have ignored the complaint. 

Please help me resolve this issue. 

Thanks in advance for any help you can give me.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear SPS, Please respond to actual question regarding regarding payments NOT applied to account. 
Confirm Debt is due by who is investor, and provide original creditor documents. 
Provide evidence payments were applied in XX/XX/XXXX to account - payments XXXX Select Portfolio Servicing received account XX/XX/XXXX. I am disputing the debt. 



KEEP FOCUS ON DEBT OWED ETC. NO OTHER MATTER AS THE REQUEST IS NOT RELATED TO KYHC AT THIS TIME.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC (NC)

XX/XX/XXXX = called at XXXX XXXX XX/XX/XXXX = called XXXX XXXX XXXX XXXX  and XXXX XXXX  XX/XX/XXXX called XXXX XXXX and XXXX XXXX all calls are to my cell phone XXXX which is on Do Not Call registry and at all hours of the night, they have called after i am asleep and after cease and disist times.  sometimes multiple times a day. the number does not return to anyone. i have contacted the main line for national credit and they are not sure this is them calling but that is wh pops up on my caller ID when I called they gave me information about the debt attached to my phone number without certifying who I was. If I had been fishing for information it would have been given easily.

caling from XXXX
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a cointinuation of case XXXX response to their answer Bank of America.I have madea few installments to bank of america in XX/XX/XXXX which is after XX/XX/XXXX which seems to be what they are saying.In there first sentence of there answer it says they havent recived funds since XX/XX/XXXX this is not  true.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or around XX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXX up until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Consumer complaint received 2017-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient really do n't care about the borrowers at all. Sometimes I when I already made a payment online they would still call me about it which is extremely annoying. What 's worst is they would harass my co-signer and family about my loan which obviously violates the laws as they are not allowed to that to begin with. My loans is never consistent as well since it went from paying {$320.00} in 2013 to {$520.00} today. It just kept on increasing as the year goes by. Because of the way the separated my loans into individually ones, it looks worse than it should be and if you have a missed payment, forget it, it will report on each one. Is horrible that they do n't just combined them into one since you are making one payment that gets divided into the other loans anyway. Because of this, my credit report is damaged. I asked if I could have some late payments removed from my report but they never responded me. However, it get reported to the credit bureaus instead that I was disputing them. So obviously nothing came out if it. Lastly, at one point I got into car accident around XXXX 2013 and had to take medical leave because of my injuries. However, when I explained my situation to Navient, they reported me late anyway on my credit report and when I ask to defer my payments while I try getting back on my feet, they said that they would have to charge me a fee in order for me to do that, which was around {$200.00} which is completely unreasonable.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I bought my house in XXXX of 2016 and got a Jumbo loan for XXXX XXXX from wells fargo@3.375 % APR interest rate with the plan of selling my old home and paying off large sum of loan. At the time of the loan, I was told that when i sell my old home i can pay off the balance and recast the loan and bring my monthly payment down. I now want to payoff XXXX and bring my loan down to XXXX. I have been trying to contact wells fargo and they are not allowing me to do the recasting.
Consumer complaint received 2017-04-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

Currently, I am XXXX in the military and my place of residence has been foreclosed on. As a result, I have obtained a military stay, however the associated lender and mortgage company has not respected the court and violated Fair Debt Collection Practices. 

Caliber Home Loans and XXXX as Trustee for XXXX XXXX have violated Fair Debt Collection Practices. They have sent people to my place of residences to to question my family and roommates. They sent a vendor by the name of XXXX ( XXXX ) to harass my wife and threatened to evict her if she did not sign a document. My wife asked that he would not return to the premises and he came back to harass her on XX/XX/2017 at XXXX. XXXX called her and threatned her to evict again on XX/XX/2017. She and XXXX argued for over an hour. She sent XXXX a copy of her lease via email and he continued to harass the other tenants and scared them into signing the documents. As a result the other tenants moved and left my wife and I stuck with all the utility bills. 
On another occasion, these XXXX companies have sent someone by the name of XXXX on XX/XX/2017 at XXXX to question the contractors that were mowing the lawn at my place of residence. The contractors informed me of the questions that were asked of them. 

I have documentation of the emails, letters and court notices that were received by XXXX and Caliber Home Loans. They have violated a number of times. 
I understand that each time constitutes {$1000.00}. I would like them to pay me for each violation. If they do not want to respect my family then I will take them to court.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MN)

On XX/XX/XXXX someone performed a levy on my checking account for a debt that I did not owe. I took them to court over the levy, won and the money was refunded on XX/XX/XXXX to my checking account. 

Due to this being incorrectly levied against my account, I was charged a {$100.00} garnishment fee and incurred XXXX {$36.00} overdraft fees. 

On XX/XX/XXXX I called US Bank. The customer service people were very understanding and refunded me the overdraft fees. They informed me that the {$100.00} garnishment fee would have to be refunded by a different department and that they were currently closed. They gave me the telephone number for the Garnishment Department of US Bank in XXXX Oregon which is XXXX located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. The manager of the customer service line assured me that they would notate the account so that I would not have to explain the situation again. 

On XX/XX/XXXX I called the US Bank Garnishment Department in XXXX Oregon at approximately XXXX central. A woman named " XXXX '' answered ( she - when asked - would not give me any last name, employee number, name of a supervisor or any other identifying information ). XXXX told me that even though the money was garnished incorrectly that she would not refund the money. I reiterated to her that a judge had ruled it was a mistake and that managers of the US Bank less than 24 hours prior had authorized a refund and told me so. She said that no judge could tell them what to do and again refused to refund the money without even checking the notes on the account that was taken from me for a garnishment that was not mine and that a court found was not mine. 

We need the {$100.00} to buy winter clothing for our children and are victims of predatory fees for things that I had nothing to do with and for things that were not mine. I know {$100.00} may not mean much to many but it means a great deal to us. 

Thank you in advance for your assistance in getting this refunded.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX and XXXX.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (SC)

I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices. 
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}. 

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX. 
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature. 
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}. 
I this case XXXXXXXX XXXX  allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals. 

I didnt signed any leasing agreements with XXXX XXXX. 
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received. 
The merchant service XXXX was informed more than a year ago that the contract was breached. 
XXXX XXXX as well was informed a year ago. 

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract. 
We never signed the contract neither any affiliates Program Guide.

We never signed an insurance for a non existant material. 
We never signed for any delivery of material from XXXX XXXX or anyone else. 

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided. 
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

The property is at XXXX XXXX XXXX XXXX , Maryland , XXXX. The original loan contract for 15 years was singed with XXXX in XX/XX/XXXX. So far, payments have been made monthly to XXXX for the last 7 years. In XX/XX/XXXX, I had a letter from XXXX that I should start making payment to LOANCARE. A questioned XXXX about the legality of the new deal only for XXXX to tell me that LOANCARE is a subsidiary company, and that the contract still stands valid with XXXX. I took XXXX by its word, and started making monthly payments to LOANCARE since XX/XX/XXXX. No paper or electronic, or verbal contract has been signed with LOANCARE in connection with the ownership of the property. Then just last month, XX/XX/XXXX, I had a letter from LOANCARE that I must pay {$710.00} for escrow or else my monthly payment would increase by adding the escrow amount. On the other hand, if I paid the escrow, my monthly payment would remain the same. I quickly send a check of {$710.00} to LOANCARE to cover the said amount. However, when the XX/XX/XXXX payment bill came, LOANCARE still increased the payment by {$100.00}. evidently LOANCARE had added the escrow to my monthly payment even though LOANCARE has already cashed the check of {$710.00} mailed to them. I called them to make a complaint but officials will not budge. Besides that, LOANCARE customer service is very rude, disrespectful, and indiscipline to customers. They tell me to refinance which I do not want to because it is not in my interest. I call XXXX to complain only for officials to tell me that they can not help me ; rather I must refinance. The behaviors of the two companies ( either sister or subsidiary companies ) are  nothing but a calculated attempt to rip me off financially, or even find a cause to foreclose my property. I have 7 more years to finish payment, and I have no interest in refinancing. With regard to the monthly payment, I do not see the reason why LOANCARE should increase it. If anything at all, monthly payment must reduce because the principal has reduced after 7 years of monthly payment. This is fraud, and I need help urgently. Thanks.