davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (TX)

On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Hello! so according to the texas child support attorney office they dont have to abide by and laws. on XX/XX/year> i reached out to the child support office to send me the terms and conditions saying you guys can report my information and any agency without my consent they could not provide and according to U.S CODE 15 1681C IT IS ILLEGAL and i wanted it removed they response was get an attorney. so i asked Experian, XXXX, and XXXX to have it removed i got nowhere.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (PA)

XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. 

Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). 

So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. 

Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... 

XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). 

XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. 

I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.
Consumer complaint received 2015-03-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC (CA)

I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.
Consumer complaint received 2015-06-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually.
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I wen to the Huntington Bank to open my first checking account as an adult and for reasons unknown I was denied for whatever reason, I did have one when I was XXXX but that was left in good standing, So I submitted a request to check systems and they had absolutely nothing on me. I have not had an account in at least XXXX years, I am a young women who has a very hard time and now am trying to get my life in order. IM engaged to the man I love and we want to become first time home buyers. However this is hard to do when I seem to have thing holding me back from opening a simple checking account. I honestly feel that I have been discriminated against and I feel that I should be given just a little credit as I really am trying to better not just my own life but my children 's as well.. 
I would be very grateful to any on that can help me with a little help. 
Thank You Sincerely, XXXX XXXX
Consumer complaint received 2015-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Automated Collection Services, Inc. (TN)

Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.
Consumer complaint received 2015-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (MD)

Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, 2016 CFPB : Bank of America took my ARM Notices of Interest Rate Change from XXXX XXXX XXXX, XXXX, IL XXXX. I need Bank of America to return all those to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

Loans were taken out in my name fraudulently by XXXX between XX/XX/XXXX - XX/XX/XXXX. I have tried to combat that, and the issue is n't moving. My loans were listed in the XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX loans in my name, Many with no signature, I ca n't get approved for anything.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I paid off a mortgage loan in 2006. The lender did not file a lien release. I am trying to sell my house now, and can not ; due to the lien. I am having trouble wit Bank of America getting the lien released. I have sent them copies of the payoff check, my settlement statement and XXXX overnight receipt. I am getting the run around on the lien release! 
Original property address is XXXX XXXX XXXX, XXXX, NE XXXX
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document anything.
Consumer complaint received 2016-03-11
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.
Consumer complaint received 2015-09-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I have been attempting to pay back my student loans to sallie mae and XXXX and they sent my account to a collection agency, now my credit is destroyed. They never gave me the income based option and processed my payments incorrectly.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have been paying my Navient ( formerly XXXX ) Student Loans on time now for over 12 months. I called them to confirm that I had XXXX on time monthly payments before applying for a co-signer release. They advised they needed my degrees ( copies ), proof of income which I provided. After about 40 days they sent me a denial saying I did not have XXXX on time payments I do. I have all the evidence. Apparently this company rarely if ever releases the co-signer. Their form and statements saying they consider releasing the co-signer after 12 month on time payments is a farce. My co-signer is a US Veteran trying to buy a home. Due to the student loan he was not able to get the loan amount due to his debt/income ratio. This loan negatively affected his finances. Furthermore, they continue to raise the interest making it harder to pay off the loan. I can not consolidate it and I can not refinance this loan it is like a noose around my neck and that of my co-signers. I think this agency should be investigated and possibly even sued for ruining people 's lives. I have all the evidence I am not lying.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CA)

I purchased my car in XX/XX/XXXX and set it up on automatic payments. The have taken it out every month and then I actually had a dream that my car was being repossessed and it bothered me since I have never been late. I checked my bank and realized they did n't take a payment out for XX/XX/XXXX and XX/XX/XXXX. I immediately called and paid the 2 months and they informed me that I was 38 days late which will appear on my credit report. When I asked why, they had no answer. It showed I was kicked out of the system for automatic payment. I was never notified. They said they tried to call me on XX/XX/XXXX which makes no sense because I was n't late at that time. The number they had was a completely wrong number. I work really hard on my credit and I do n't think I should be penalized because of their error. I disputed it and received a letter saying that the information reported was correct. I want that 30 days past due off my report. They had no reason and no answers for me. I just got " I do n't know. '' I am attaching a copy of my credit history which they were suppose to send me to no avail. I hope you can help me.
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

In short order, Navient whom is servicing the loan has shared with me that the interest rate is variable and should be 2.5 % + Libor reset monthly. However they are and have been charging my Dad and me 9.625 % per annum ( calculated at 360 days ) and can not explain why. As such, we have been overcharged for 5 years and asked that they go back and deduct the overpayments each month from principle. As you know this would have a snowball effect given the compounding at a significantly lower interest rate and lower principle. Simply put they have 1 ) put us on a indefinate hold 2 ) told us they can not help 3 ) do n't understand the interest rate and thus will not take corrective action. Please help!
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I signed up for school, spoke with the counselors and they told me that being that I was a convicted felon informed me that I would not be able to gain employment due to may criminal record. I never attended any classes. I just signed the papers.
Consumer complaint received 2016-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I cosigned this loan for my son several years ago. At the time of the loan I was told that if consistent on-time payments were made over a two year period I could have my name removed from the loan. For the past XXXX years consistent on-time automatic payments have been made but Navient refuses to remove me from the loan, due to an unrelated account my son has that is delinquent.
Consumer complaint received 2016-12-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (MA)

I have tried several times online to close my PayPal online account. I have tried several times to close the account, but every time I try to do so through the website, it does n't work ( the site freezes ). I suspect they are preventing account closure on purpose.