davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Great American Finance Co (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Notes : FTC Report Cease and Desist Dispute Letter Police Report Spoke to charge of department - Name of Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Loan Amount : XXXX - Notes : There is 2 collection agencies on the report ( Credit Dispute Resolution Team ) - 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. Cease from collecting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notes : Disputed Fraud. 
Cease and desist put in XXXX  Names of Agents : - XXXX XXXX XXXX - XXXX - XXXX - XXXX XXXX ( credit dispute XXXX. Great American Finance Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notes : Send FTC Report Cease and Desist has been put in Name of Agent : 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 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NM)

XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (ME)

I have auto-payments set up on my credit card and have always had sufficient money in my bank account to pay the full statement balance. 

My JetBlue Barclays card reported a late payment to a credit bureau, I believe for a XX/XX/2024 payment ( possibleXX/XX/2024). I did not see any contact or communication from JetBlue Barclays card about a payment issue. 

After contacting Barclays via letter in XXXX to inquire why a late payment report was submitted, I received no response. I called Barclays as well and they refused to provide any information, confirming they would not help me over the phone or online, and I must write another letter. 

I have always been willing and able to pay my full monthly statement balance. Whether Barclays suffered from a technical issue or any other issue took place regarding my payment, I would have been willing and able to immediately submit payment to them in whatever form needed to pay my bill on time.
Consumer complaint received 2015-12-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (CA)

Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter.
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Convergys (MN)

Encore Receivable Management has been contacted three times in writing and twice by phone to cease communication except by mail. They continue to do so, repeatedly, sometimes as soon as fifteen minutes after contacting them by phone. Have asked for verification according to FDCPA rules and have received nothing except a blank itemized paper ( you owe us $ xxx amount ).
Consumer complaint received 2015-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (KY)

On XXXX XXXX, XXXX in the evening, I called my American Express XXXX and spoke to an agent regarding making a reservation for XXXX/XXXX/XXXX at the XXXX in XXXX XXXX. I completed the reservation for a room and then called back to change to a different room after discussion with my husband. I spoke again to an agent and believe that they had scheduled and rebooked the room. I was NOT INFORMED THAT THIS WAS AN ONLINE BOOKING. I believed I was speaking to a travel agent who was actively calling and making my reservation every time I called the American Express XXXX XXXX. I made a XXXX change to this room in XXXX XXXX. Each time I requested a cancellation of my previous booking and believe that this had taken place. I was under the impression I had XXXX reservation at that point. On XXXX XXXX, XXXX, I again called the American Express XXXX XXXX to cancel and change the reservation to a cheaper room at this hotel, but told the agent I needed to confirm with my son and might again cancel this reservation. They seemed to understand. The next day, I called and cancelled the reservation for the final time. My son found a more reasonably priced hotel and insisted we stay at the hotel with him and his wife since we were traveling together in a foreign country. I can submit copies of the emails I have, XXXX of which have a cancellation number on the email. The agent I spoke to had not cancelled any of these reservations " on line '' - I had no idea till I accessed an email after the date. I have opened XXXX investigations and the XXXX continues to say that I am responsible, that I should have known it was on line, that I needed to provide the confirmation number, which I thought was available for the agent to see when I called in. I was never told this prior or during my call with the agent. I have continued to maintain that this was the company 's error and the XXXX XXXX has continued to maintain it was my responsibility. When researching this ( after the fact ) online in XXXX XXXX, I found XXXX complaints against American Express XXXX on the Consumer Affairs website that tells me that my problem is very similar to a number of the credit card members. I felt this was a reputable credit card company and had no idea that I would be treated this way until this happened. I believe that American Express XXXX should have provided written and oral instructions that clearly communicate how this reservation and cancellation process works. If my Consumer Finance complaint does not resolve this for me, I truly hope that it will be able to prevent the kinds of credit card abuse that is represented in my experience and that of the other XXXX individuals who have complaints against AMEX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (WA)

Performed soft inquiry. Qualified AFTER hard inquiry. Emails and texts sent to customer to provide docs and set up appt. Local office then calls that ineligible. AFTER the hard credit pull was performed.
Consumer complaint received 2015-09-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

XXXX XXXX used predatory practices when I was XXXX to get me to sign loan papers for loans that I did not understand. During years in forbearance while attending school they harassed me on the phone. Once I graduated they have continued to harass me calling me XXXX times a day. I have had hard financial times since graduating, and they will not work out payments with me.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

Dear Sirs I have been trying for several years to process a short sale. I have spoken to several different representatives from several different mortgage companies. We have been unsuccessful in processing the short sale. We are trying to avoid foreclosure but the customer service representatives are either non-responsive, names change, there is no follow-up, documentation has been sent several times but the mortgage company is unable to locate the documentation. Recently we submitted a viable short sale contract and our realtor was treated very poorly by loss mitigation personnel XXXX XXXX of Ditech, when she followed up and was trying to find out the status of our loan which is what prompted me to submit this claim.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.
Consumer complaint received 2015-11-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc. (PA)

I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (AZ)

I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MN)

I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.
Consumer complaint received 2015-12-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Response is Fraudulent XXXX Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (SC)

Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.