davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am extremely upset of the way Bank of america has handle my loan. I have submitted all the required documents to be provided a modification. However ; Bank of America keeps asking for documents for a property-XXXX XXXX IL XXXX. This property does not have to do anything with the property I am trying to modify. Which is- XXXX XXXX IL XXXX. Bank of america is prolonging my case making me fall more behind. Bank of America never offer me a settlement either. At this point I dont know what else to do because like I have mention Bank of america keeps asking for documents for a property - XXXX I have explain Bank of america that I only co-sing for my son for the property XXXX. My son is the one who pays the mortgage for that property I am trying to safe my property XXXX. My intentions are to keep my house and to become current with my mortgage once again.
Consumer complaint received 2017-03-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (ID)

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit XXXX 10 days apart. Ally and XXXX XXXX XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the XXXX hit removed on each XXXX?
Consumer complaint received 2017-04-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (OK)

I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DC)

I have sent Equifax 2 notarized disputes regarding XXXX bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these 2 letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN XXXX that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me. The Credit bureau does not have a contract with the court house nor me to allow them to be reporting fraudulent information
Consumer complaint received 2017-03-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Navient Solutions, LLC. (OH)

I called the company Navient to get a payoff amount of a loan. They forced me to make a {$90.00} payment to keep it from going to collections, which was odd because I was calling for a pay off. I let them do an automatic withdraw for the {$90.00}. Our deposit cleared the bank, and like I said, I sent a payoff check. I did not know they had done a second, unauthorized withdraw for the amount of the loan, {$5200.00}. Our account is now severely overdrawn because they illegally stole money they were told no too. The bank is attempting to fix the mess they caused. They have tied up pay checks and made it impossible to cover weekly bills. They need to return the money they stole, pay all the fees we will have and pay for the inconvenience they have caused!
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALCHRO INC. (FL)

I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LOAN SERVICING GROUP (TX)

Requested loan modification due to loss of income, financial hardship, illness, was denied, loan company refused to work with " third party '' ( XXXX ) to resolve delinquency issues. My Balance has not changed in approximately 12 years {$18000.00}. My payments are not being applied. Abusive collection procedures. Was sent to eviction court immediately after having XXXX surgeries. Paid {$2200.00} to loan Company. There is no history of this payment are any other payments todate.
Consumer complaint received 2015-04-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Check Recovery, LLC (CA)

There is a company called United Check Recovery their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for XXXX. I dealt with the original creditor XXXX and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX of United Check Recovery XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only 1 1/2 ago. She said she found my information through a system called XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company United Check Recovery XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

I have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has XXXX & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: AUDUBON LIBERTY & ASSOCIATES (GA)

On XXXX XXXX, I received a voicemail from XXXX XXXX ( sp? ) stating that he intended to serve me with legal documentation that required my signature. He stated that he would come to my place of employment between XXXX and XXXX, and proceed to my home and " wait there a while for me to show up. '' He said if he did not see me TODAY, it would result in further action and be considered a " missed appearance. '' The number he left was XXXX, and I needed to reference my document number, which was XXXX. I called this number and spoke to a XXXX XXXX. This person told me they wanted to settle an old debt. He gave me two different amounts that I owed ( $ XXXX and then $ XXXX ), and said they would settle for {$400.00}. He asked for debit card information so I could pay, and also gave me payment options. This was suspicious to me, so I asked for his business name, which is Audubon Liberty Associates. He gave me three different phone numbers when asked, and when I asked the physical address of his business, he first said they were in North Carolina. When I asked him again, he told me they are in South Carolina. When I told him he initially said they were in North Carolina, he responded " No I did not. '' He got rude when I pushed with more questions. He refused to give me the physical address of his company. He gave me XXXX digits and asked if those were the last XXXX of my SSN. They were not. I asked what address they had on file and it was not at all familiar to me. After I pushed, he then said they must have the wrong person. It was clearly a scam.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U S DEPT OF EDXXXX account XXXX XXXX OFFICE OF THE ATTY GEN account # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (HI)

We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (GA)

I hired XXXX XXXX XXXX to handle discrepancies within my credit report. Navy Federal was removed XX/XX/XXXX, however, they have since then continued to report. This is causing my inability to acquire credit, and to purchase My Home. Ive asked them myself to please stop reporting, and they sent an email asking me specifically the account number, in which I no longer have because I dont have an account with them, and that they have no idea what Im talking about. But I received a letter from them in XXXX stating that all of the information was accurate, when they provided no amount, no date, and definitely no account number. I paid this company off in XXXX, and they continue to report even when its been removed. So I assume when they see that its been removed, they take it upon selves to re-add it to my credit report, which is bullying, and not fair to myself as the consumer. I have attached the email that was sent from XXXX back in XXXX letting me know that this has been removed from my credit report.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I was delinquent in mortgage payments with Ditech which are now caught up. This is my Homestead. Meanwhile, a different company was sent to my home and because I was away from home, they broke into my home by breaking a door then they drilled out a second door lock, they wintereized and padlocked my home. They ruined the gate to my property. They STOLE ITEMS out of my house. I am BEING LIED TO about my account by Ditech representatives when I call and complain or try to get to the bottom of things. I was talked over and not given any respect nor the opportunity to ask the questions I needed to ask. Customer Service is no help at all. I want to stop the process but do n't know how because no one will tell me. It appears 2 additional companies are now involved. Charges are mounting up for expenses that are inappropriate now that my house payments are current. I am XXXX and I am being harassed because I am XXXX and a XXXX. Circumstances put me behind but I have worked through them and I can now make my payments on time.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is reporting XXXX inaccurate items on my credit report and has refused to resolve the issues. 
First is a bankruptcy report that should have been removed 2 years ago when both XXXX and XXXX removed the reported information from my credit reports as the reporting requirment for this item had passed and no longer should appear on a credit report. 
Second Equifax is reporting a collection report that is not mine I am currently a XXXX XXXX member in good standing and do not have any collections against me.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.
Consumer complaint received 2016-02-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc. (CO)

I had purchased a vehicle from XXXX in XXXX XX/XX/XXXX. It was supposed to be a fixed apr of 9.99 %. I had the vehicle until XXXX/XXXX/XXXX, when the computer module went out. instead of fixing it and adding it to our payments, they had us trade it off with less that XXXX left. I had got home and went through or receipts and realized that every year our payments were going up. in XX/XX/XXXX, we paid XXXX $ and by XX/XX/XXXX we were paying XXXX $ a year. Our XXXX had gone up causing us more in our payments without our knowledge