davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (TX)

I checked my credit report and seen Debt Recovery Soultions is reporting  XXXX  accounts stating that I owe them. I sent the agency a  XXXX  validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT  VALIDATING  my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter  XXXX  NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from  XX/XX/XXXX ,   XXXX  and the  Service date on my   account says  XX/XX/XXXXX    Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is   XXXX    because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to you.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc. (NJ)

I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy
Consumer complaint received 2017-04-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For   undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by  XXXX   XXXX   XXXX  which went bankrupt in   XXXX   due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since  XXXX  is defunct. Beyond the previously mentioned items, the loan maturity date of  XXXX  is outdated by the actual date the mortgage would be paid  off (   XXXX   ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed  to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of   XXXX  , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of  4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.
Consumer complaint received 2017-04-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IN)

I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  XXXX .
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (TX)

I had a verbal agreement with  XXXX   XXXX   XXXX  center prior to my  XXXX   XX/XX/2015   . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my  XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I took out a loan with  XXXX   XXXX  ( now Navient ) in     XXXX   for {$10000.00} for  XXXX   XXXX   XXXX  A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  the years I have had endless fits with them. I 've gone through unemployment and low income periods and they 've never worked with me other than putting me on a forbearance which I now know has done more harm than good. I 've been hung up on numerous times over the years. In the beginning I paid them $   XXXX  , but the past  XXXX  years I 've paid them $  XXXX . Out of that {$200.00}, {$130.00} goes to interest  (  12.1 % ) I 've talked to them about getting in lowered and nothing gets resolved. I 've drained my savings accounts just to try to pay this back and I feel like I 'm not getting anywhere. After   XXXX   years, my remaining balance is {$140000.00}. Please help.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (CA)

My credit report shows that I have a collection fr om Credit Management rep resenting  XXXX   XXXX   XXXX . Account opened  XXXX   XXXX  balance {$180.00} I have not had a cable service since  XXXX  .I m oved to California in  XXXX   XXXX . I just ordered cable service last month for the first time since  XXXX . Not  XXXX   XXXX   XXXX . My cable account was closed and paid in full over and cable box was turned  in seven yea rs ago with  XXXX   XXXX   XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used  XXXX   XXXX   XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened  XXXX   XXXX . I cant have a debt from  XXXX   XXXX   XXXX   XXXX  on report that is o ver seven   years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.
Consumer complaint received 2017-06-21
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. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX, XXXX # : XXXX. Please remove all non-account holding inquires, all addresses except my current address of XXXX XXXX XXXX XXXX, IL XXXX. These aliases reported are not my names and need to be removed : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     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   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
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Miller, Stark, Klein and Associates (GA)

I received a phone call from  Miller Stark Klein and Associates . A representative by the name of  XXXX  contacted me about a charged off account  for   XXXX   XXXX   auto  loan. He informed me of the debt owe and gave me options to pay  XXXX  lump sum or set up a payment plan. As I tried to get more information about the payment, the representative became very rude and aggressive ; which resulted in him disconnecting the call. I contacted the number and requested to speak with a supervisor. I spoke with  XXXX   XXXX  and she listened to the call. After assuring me the employee will be " dealt '' with, she proceeded to offer a lesser amount towards the debt owed. I agreed to pay the amount, in good faith and in hopes of not getting sued, fined or prosecuted. Weeks later, I began getting calls from another company stating they are calling to collect a debt for the same charged off account. I began to do my research because things seemed a bit odd and I find out  Miller Stark Klein  had no legal rights to my account. This has caused majo  XXXX   XXXX   because I 've had to go back and forth with companies about who 's the actual debt collector ; and I had to file a dispute with my bank. This company is using scare tactics to retrieve money on charged off accounts from   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

My original debt was with    XXXX   XXXX   XXXX  .  My debts have now been transferred to   XXXX   XXXX    without my approval.   XXXX   XXXX   terms and agreements are different. I have not been giving any information on what their terms and agreements are. Continuously, they are attempting to get me to do a forbearance when I say I can not pay, instead of trying to give me options to get out of this debt. My hole just continues to get deeper and deeper I believe in access o f   XXXX   XXXX   ju st in finance charges alone. Also, sometimes they will send me email stating that they have already placed me in a forbearance without me approving. When I have made several attempts to collect information or try to find the best option for myself pertaining to this debt I just get transferred from department to department with no resolution other than another forbearance.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Red Rock Financial of Cedar City (UT)

I have a loan through Red Rock Financial in XXXX, Utah which two of my cars are on. I have made every payment on-time since the beginning of the loan but it was reported as being 30 days late in XX/XX/XXXX by Red Rock. I contacted XXXX at Red Rock in XX/XX/XXXX when I discovered the mistake on my XXXX credit report and he informed me that he would fix the problem and that I should also file a dispute to the credit bureau on my end. He also told me the reason it happened is because the person who was supposed to enter payments for several other individuals with loans through Red Rock as well, did n't do it and has since left the company. I filed my dispute on XX/XX/XXXX and XXXX told me he would submit the necessary paperwork proving my payments have all been on time. XXXX emailed me with an update to the dispute and informed me that the payment was marked as 30 days late for XX/XX/XXXX instead of XX/XX/XXXX. I immediately called Red Rock Financial on XX/XX/XXXX to ask why that happened and was informed that XXXX did n't actually do anything and that he, too, has left the company. XXXX, from Red Rock, said he is the new manager and has spoken to XXXX about the situation. XXXX also told me he would email me the contact information for the person handling the case at XXXX immediately after our phone call, which he did not do. I then called Red Rock today ( XX/XX/XXXX ) at XXXX to ask him about the email and was told he is in a meeting. I called back at XXXX and was told he is still in a meeting. I have lost all patience with Red Rock Financial and nothing is being done to fix the mistake that was entirely their fault.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit Acceptance Corp, XXXX is reporting the following history on my credit report : {$32000.00} chargeoff, showing account open and past due with lates reporting every month since XXXX of XXXX. 

This account was charged off in XX/XX/XXXX. It is illegal to report late payments on an account that has been charged off, yet after disputing this with the credit bureaus, and after calling the company directly, they are refusing to stop reporting this account late every month since XXXX of XXXX. Because of this account reporting late every month for the past XXXX XXXX years, my credit is completely ruined and I am unable to purchase a car, a house, or obtain any type of credit at all. I have been stuck in this position for over four years because of their refusal to correct this situation.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have been a customer of TD bank for almost a year now. I have been withholding my comments for some time now. However, it seems that their overdraft practices border on predatory. I used to work in the banking industry and I recall how most banks handle their deposits. Usually, the bank processes the deposits first before processing the debits, no matter what time the transaction occurred, as long as it was the same day. This is not the case with TD Bank. They process the transactions at the time they occurred and let 's say I were to make a deposit after I noticed a charge was over drafting my account, they process it last so they can charge me an overdraft fee. I am very disappointed and I think with a little digging you will find that their overdraft policy violates some consumer protection laws. This weekend I received 4 overdraft fees, two of which were for transactions under {$1.00}. The amount was in my savings and I had earlier signed up for overdraft protection. Not only did they not take the money from my savings, they stated that I never had it. At the time of the trasanctions I had the funds, however, they charged me a {$15.00} " service '' charge and dated it for the 11th. The charge showed up this morning. That charge caused 3 overdrafts.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to t he US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

The account has been paid in full as of XXXX 2023, but Midland Credit Management Inc refuses to accurately report this information to the credit bureaus. When I dispute it via the credit bureaus, the agency falsely reports back that the account has not been paid in full and also increases the balance due on the account monthly.
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (MD)

I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.
Consumer complaint received 2018-01-03
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. (TX)

OnXX/XX/XXXX untiXX/XX/XXXX my student loans were placed in deferrment without my permission. I was completing my dissertation at XXXX XXXX University but was still able to work full time and make my payments. I had automatic account deduction set up so I had no idea that my payment was not being made. 
When I found out my loans were in deferrment, I called and asked the servicer to remove the deferrment and to never do that to me again. Little did I know that the deferrment had gone on so long and I had accrued over XXXX in interest during my deferrment. 

Now, unless I make a lump sum payment of over 8000 dollars, none of my payment will go toward the principal amount because all payments from now for the rest of the year will strictly go toward accrued interest and new interest before being applied to principal. This is not fair. 
1. Complaint, policy that allows any company to put your loan in deferrment without specific permission from the borrower. 
2. Complaint, the ability to apply all my payment toward interest of interest before any principal can be touched makes it impossible to get out of debt.