davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Problem with Nationstar MortgageI have written you XXXX before about this company and the way they do business. It has not gotten any better. 
I started the loan modification process in early XXXX. I previously wrote you how they " botched '' the application after torturing us for months, making us resubmit the complete application XXXX times, etc. 
Long story short : After they finally approved the modification in XXXX XXXX. I was told to pay the regular mortgage for XXXX and start the XXXX lower payments starting in XXXX. I paid XXXX and XXXX on time. 
In XXXX, I was informed that I paid all 6 months in full. When I called to question that, they said I should not have been told to pay XXXX mortgage - that it actually counted for the XXXX XXXX payments. They resolved this problem, by sending me back the XXXX and XXXX payments I made and letting my unpaid balance and penalties grow starting XXXX XXXX. 
Late XXXX, someone finally resolved the issue and stated that I would go on the unemployment program starting XXXX XXXX. If I paid my {$600.00} monthly statement on time for 6 months and found a job prior to XXXX XXXX, I would then qualify for a loan modification. He said that usually they even forgive up to 75 % of the debt. I was also told : The new loan % rate will be reduced and/or the payment period extended. There would be an initial 3 month trial period to see if I paid on time. If I did, the new lower monthly amount would start in the XXXX month and continue until the end of the loan. 
As requested, I sent in the verification of employment form in XXXX after I was hired for a new full time job. I was told to pay the XXXX payment and to contact Nationstar to start the process of the 3 month trial period. I contacted them to see the next step. They told me to call back in a couple of weeks. 
When I called today, I was informed that the " investors decided not to participate in the loan modification. '' I was knocked down to my knees. I was finally able to speak with a manager. He informed me that all of the outstanding balance, {$34000.00}, is due within 9 months to XXXX year, and and my mortgage will still be the same ... ... we will have to pay over $ XXXX/month or we lose the house to foreclosure. 
Needless to say, I think what they are doing is unethical, unfair, and illegal. Not once in any of my XXXX conversations over the last year with various rep 's did this come up as even a remote possibility. 
Can you help to correct this injustice that we are facing and save our home? We have been living in this home since XXXX. I have never been late on a payment or had any problems until Nationstar took over from our previous bank, B of A. 
Please help. 
Thanks, XXXX
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In XXXX, I was applying for a home loan, and the loan officer noticed a collection on my account. I was required to pay the account. I contacted XXXX XXXX XXXX, and agreed to PAY the Debt in Full if they would remove it from my credit report. Therefore, I paid the debt in full, and received a letter stating that the information would be deleted from the consumer bureau reports. In XX/XX/XXXX, I decided I wanted to refinance my home, and I was told that I needed to increase my score. I decided to request my credit report. I requested my credit report and I saw that XXXX XXXX XXXX collection item was still on my credit report. I contacted XXXX XXXX XXXX  and I was advised to contact and dispute this item with the Credit bureaus. They stated they have already provided me with the letter. I submitted the letter, and the email to all three credit bureaus. XXXX  deleted the item from my credit report, but Experian insists on leaving it on my credit report. I am still waiting on a decision from XXXX, but my issue is with Experian. I have provided Experian with a Pay for Deletion letter from XXXX XXXX XXXX XXXX, and the email that the company sent. Experian states that this item will remain " The information has been verified as accurate ''. They disregarded the letter, as well as the agreement I made with the creditor.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BMO Bank, N.A. (MN)

I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

XX/XX/XXXX I bought a used car from a Dealer in New York called XXXX XXXX ( XXXX XXXX ) and it was financed through Westlake Financial with head office located in California. After I took the car home, I found out there were multiple issues and we started going back and forth which resulted in Arbitration under New York XXXX XXXX. New York State Arbitrator ( Attorney General Office ) told the dealer to refund us our Money in XX/XX/XXXX and send us copy of the documents to mail the dealer confirming the refund. Towards the end of XXXX going towards XXXX, New York State was hit by the coronavirus virus so I had to wait until XXXX to drop the defective car off. I reached out to Westlake Financials and sent them copy of the New York XXXX XXXX in regards to the XXXX XXXX Case with the car and they confirm receipt. I also told them the dealer is suppose to pick up the car and refund us our money and also refund the balance to Westlake. I called Westlake Financial over 20 times and sent multiple emails letting them know the car no longer a belong s to me and they didnt respond. I was told they can not speak with me and they will speak to New York State who is representing me. I got a notification saying Westlake reported my car on my credit was delinquent and past due. I reached out to westlake and they told em theres nothing they can do and I cant speak to anyone. I also searched online and send emails to multiple departments and executives at westlake about the issue and no one responded. The dealer also mentioned that they are working with Westlake. The dealer has the car and we still havent gotten our refund and Westlake is being unresponsive. I also file a dispute with credit bureaus against Westlake and westlake reported that the information was accurate and that Im past due and delinquent which is not affecting my report tremendously.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (LA)

I reported card lost slash stolen sa month or to ago. Fir charges. Made on a store card of XXXX at XXXX store I have no knowledge of nor have I ever been to nor do I have that kind of money to m I completed firm in and it was returned on time to Target fraud division and told my case was good. However they have overturned there decididion and are claiming I am liable because a pin was used at register etc. Again I asked them if they needed my I'd and we're interested in pulling video at the consumer location to prove I dud not make purchases they mentinod they will look into it. I was harrased by the fraud investigator asking me if that was my real name real phone number real age.
Consumer complaint received 2016-04-25
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Group & Associates LLC (OH)

This company Alliance Group and Associates, LLC has contacted me on numerous occasions over the last 2 months, about a debt that is not mine ( it is supposedly my husbands ) They are extremely rude and hang up on me when I am trying to get verification. One particular man XXXX XXXX threatens and terrorizes. I have looked up his phone number and found several other people who he has terrorizes as well. A woman named XXXX refused the let me speak to a manager, and hung up on me. A man I spoke to this morning said he has worked there for 30 of his XXXX years on earth as well as being a XXXX veteran. I have asked for verification several times. They tell me they can not and will not verify until there is a payment made. No payment will be made until I receive verification. They tell me that the laws I have researched extensively are wrong that they do n't have to verify anything. It has already been done. I am now the one who pays all bills as well as the one they need to speak with I verify all information they need but they refuse to do the same, I have asked them to stop calling me since it is not my debt but they refuse and especially XXXX XXXX has told me that he will continue to call and harass me even though I am not the one who owes. Been hung up 4 times and people refuse to allow me to speak to a manager. All very rude.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ XXXX ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Consumer complaint received 2015-09-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (VA)

I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.
Consumer complaint received 2016-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Burton Neil & Associates, P.C. (NJ)

alleged debt was from a landlord demanding 4 months rent for me vacating the apartment before lease had expired. I was declared XXXX by the new jersey XXXX XXXX when I vacated pursuant to nj XXXX XXXX I had remedy at the time this purported debt occurred. I did not have the XXXX at the time the debt was created to enter into a debt. I also stand by XXXX XXXX XXXX a debtor is insolvent if the sum of the debtors debts is greater than all of the debtors assets at a fair valuation. All this was explained to the debt collector however upon deaf ears. The attorneys response was to borrow the money which I deemed totally inapropriate.I signed the agreement By : authorized representative and secured my rights pursuant to XXXX XXXX until I was able to do my research and due diligence in this matter.It is my contention that the alleged creditor acted unconscionably ( unfairly ) in this matter. Upon speaking with the alleged creditor he said the matter was out of his hands and I should speak with the debt collector. My contention the debt was sold. Its my understanding once a debt is sold it is extinquished. I attempted to speak with the debt collector regarding my financial situation at the time XXXX benefits, food stamp and phone benefit program but to no avail. I also offered my social security number to help verify any assets, or banking records to confirm my present financial condition again no assistance or response.When I agreed to the credit contract I could not afford to repay and the creditor knew this. I have however stood in honor and have paid what im able too under the most extraneous conditions. It is also my contention that the debt collector is a third party interloper on this matter with no lawful standing. Nor are they a bona fide party to any contract in which I am also a party, an agent of a bona fide party to any contractin which I am also a party, a holder in due course of any debt to which I am obligated or has shown evidence of the validity of the original contract, and that their claim is or was fraudulent.They also have not display a license or bond Showing that they are a bona fide agent, registered with the state which they must produce. I also challenge their authority to use my title/trust name in their correspondence. The Markind Law Group made a claim against my estate in which they are not the superior title holder. I am the holder in due course, they do not have a superior claim.When challenged on this aspect of their claim again vagueness and a lack of a coherent, competent response. I also contend that the alleged debt was never assessed under penalty and perjury, or verified under oath thus not a true bill in commerce.I dclare that I do not nor did I ever act as surety for the en legis artificial title. A maxim of law clearly states " XXXX XXXX XXXX XXXX '' Dissimilar things ought not be joined.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Usaa bank is in my mind committing the biggest act of consumer XXXX I have ever seen.You should be ashamed of yourselves. I got a letter from XXXX that investigated part of the issues and this is the second time they investigated and USAA has lied to them, And sadly, I have proof. I have two phone calls from one of your CEO telling me that USAA OWES ME NOTHING AT ALL, dated XXXX XXXX and XXXX XXXX. In letter to XXXX you stated in XXXX XXXX and XXXX XXXX that you were waiting for receipt of my medical bills for car accident. Which is untrue. You point blank told me in XXXX XXXX when I sent a 15 day demand letter over issues with BANKING, CREDIT CARD, AUTO and RENTERS INSURANCE, you told me you were gon na look into these matter, as of XXXX XXXX, nothing, not one issue was resolved or even addressed properly. You use your stall tactics well. I have phone records, faxes emails and the like to show all I have on my end to prove my issues are valid. But USAA Does not care if a customer complains cause you laugh it off. You have no state of grace. I never seen a company who operates under such false pretenses and I have heard my share of other USAA complaints form other former members and the fact that the issues are so similar scare me. Whenever there is an issue whether it be banking or insurance, USAA immediate response is to yell at the customer and make them feel bad. Usaa loves to use stall tactics and drag its feet so that it can use time to make the issue disappear without having to be responsible. Usaa uses standard policies to under mind its customers and pull rug out from underneath them. USAA does not return calls or letters or responses on time or ever in most cases, when it comes to handling a claim or having to respond or react to something and actually take care of policy or regulation issues. Usaa would rather spend money on keeping up false front then handling the banking and insurance issues they are suppose to. After all the issues we went through, with over XXXX policy issues not taken care of. And USAA closing bank accounts down and holding our money for months right after we were identity theft and that is just a few of the issues USAA has done. But after all that, after USAA refused to help get us a car when they were suppose to costing us over XXXX more money then needed. And after the XX/XX/XXXX car accident USAA had nerve to send letters begging we keep auto insurance policy active even though we did not have a car, so you could get your {$150.00} a month for NOTHING. You are quite simply worst of the worst. These issues will not go away until resolved.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I got on Equifax.com to look at my credit report. After I logged in I changed my password and began looking at my report. In the middle of that it kicked me off. I tried logging in again but couldn't ; tried both new and old password. I've called them directly only to have 5 out of 6 times telling me my correct information is wrong. Now I'm being told the only way to continue with my disputesis to send in paperwork. The one time I finally got through the call ended and went to the survey.
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

this account isnt mines it says i believe open XX/XX/2020 which i did not open or get any type of loan in this month or this year i want it taken doff my credit report i tried disputing it and i keep telling there service i didnt open anything or any type of account for n o such service
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (VA)

This company, named DCI, has reported an account in my name from XXXX, that I do not have a contract with, and I have also never received any communication from them about said debt. They were disputed in XX/XX/2016 and removed by XXXX shortly after during the same month because they could NOT validate. 

They then sold this account to a company named XXXX, who, too, could not communicate with me about origin/validation of this account being connected to my name and social. 

In XX/XX/2016, they re-obtained this account, and have re-reported it to my account, now using a NEW name -- " Diversified Consultants INC '', instead of " DCI '' I have never received a dunning letter/ nor debt validation, describing how my SSN/NAME is connected with this alleged account from XXXX ; I am a XXXX customer. 

If they continue to report or sell it to another agency, I intend to sue due to debt collection violations/company misrepresentation.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (OR)

I disputed an overcharge by XXXX XXXX  XXXX  with my credit card company, XXXX XXXX. XXXX XXXX refunded me the amount due from XXXX for the deposit i made. XXXX never provided a refund of the remainder of initial deposit, and then sent that balance my credit card company refunded to collections. Not okay. I have repeatedly called M. Leonard and Associates. They say the person i need to speak to is unavailable, at lunch, on vacation. It is absurd. I want to report them for unfair debt collection practices as they will not accept my dispute of the validity of the debt. I have also left several messages for XXXX, and emails, receiving no call backs or email replies.