davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

I am in active XXXX bankruptcy. My plan included payment of mortgage arrears to Nationstar mortgage. Nationstar modified my loan in XX/XX/2016 and rolled all of the arrears ( about {$14000.00} ) into the modified loan. They never filed an amended proof of claim with the trustee, so the trustee continued to send them funds to pay the arrears. I called Nationstar asking where that money was going, they had no idea. I called the trustee and they said they were still paying Nationstar for the arrears, which no longer exist. So Nationstar has been pocketing all of the money sent by the trustee on my behalf since XX/XX/2016, a total of {$1900.00}.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica (VA)

My social security check is now sent to Direct Express they use a bank called-Comerica Bank, On XXXX/XXXX/17 my card was cloned according to the bank in Florida the amount of XXXX dollars was taken from a bank in Florida.DirectBank told me that they would do an investigation and found that the card was cloned and used in Florida. They did that and found that it was cloned, they told me they would credit my money back to my account.as of this day over thirty days later no money was credited to my account, I tried several times calling and was told several time it should have been there they would put a tracker on it!
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OH)

My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of XX/XX/XXXX this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was {$0.00} and I made an extra payment of {$20.00}. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment. 

My second problem is in part a question and in part a complaint. Beginning with my XXXX XXXX statement I noticed that the credit card company had begun applying the minimum payment in its entirety to the lowest APR balance without using part of the money to pay the growing interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.
Consumer complaint received 2015-12-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!
Consumer complaint received 2017-02-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southern Management Systems Inc. (FL)

I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with me.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (DC)

Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MN)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 and XXXX XXXX XXXX
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TN)

My mortgage is through XXXX, I pay my payments at XXXX but they say the loan is serviced by MyLoanCare. I am unable to get either company to respond to my requests for information. My homeowners insurance changed dramatically ( from $ XXXX/mo to ~ $ XXXX/month ) and I no longer have an escrow but these companies are still charging me the original amount and I can get no one on the phone who can address the issue. I have sent multiple e-mails and 'contact us ' thru myloancare and freedom mortgage websites with no response.
Consumer complaint received 2016-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This company has reported a debt on my credit report that I did recognize. When I disputed the validity of this debt with the company through a validation letter sent via certified return receipt mail, the company turned around and verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of FDCPA. 809. Validation of debts [ 15 USC 1692g ]. ( see attached credit report excerpt )
Consumer complaint received 2016-01-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: State Home Mortgage (GA)

I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full
Consumer complaint received 2016-06-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Since XXXX I have made more than the payment amount, but it has not been added to the outstanding principal as requested. Instead the mortgage companies push back the payment date which allows the outstanding balance to accrue interest. Which keeps my balance high.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Stellar Recovery, Inc. (AZ)

Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Link Revenue Resources, LLC (KY)

I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (AL)

XXXX XXXX XXXX of California has confirmed several times that consumer do not owe any overpayment ; however debt collector Cain & Weiner is trying to collect. Consumer had a problem with another debt collector last year trying to collect on this bogus debt, and that matter was resolved and consumer was taken off debt collector 's list. Even though I kept telling this phone rep from Cain & Weiner that he should not be calling me and that I do not owe any overpayment to XXXX XXXX XXXX, he kept stating that I do. Consumer hung up.
Consumer complaint received 2015-05-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (PA)

In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Amscot Corporation (FL)

I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-08-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Messerli & Kramer P.A. (ND)

I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

My balance never seemed to go down only up. Too much interest. I do n't make enough to make a payment and support my family. Too many calls harassing about missing payments but never got a a call when I made a payment. The loans are more of a burden on me than anything that 's happened in my life. My education seems like a joke to have to be repaying all this money that in the end keeps on adding up and not decreasing. I have never been able to get a good repayment plan or help on getting smaller payments. The interest is the only thing that I feel that I am paying and not the actual loan.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CO)

I opened a credit card with Bloomindales and purchased a dress. I missed the first month 's payment so was charged a late fee and interest. This payment was due on XXXX XXXX, 2015. I paid it in full on XXXX XXXX, 2015 yet Bloomingdales has supposedly been trying to collect {$12.00} from me for 6 months and filed a charge-off on on my credit report. I have received no bills, no calls from creditors, and should n't even have a balance outstanding.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I am writing regarding the case CFPB and XXXX with Honda to Address Discriminatory Auto Loan Pricing. According to settlement Honda took advantages of people. As it turns out as a XXXX, and reviewing my loan, terms, as well as interest, I believe I did not received a fair shot or assessment. I purchased XXXX vehicles from Honda. XXXX in XX/XX/XXXX, and a second in XX/XX/XXXX. As I thought that I received a fair deal, even with a great credit score, the loan payments and interest were very high. It saddens me to see this, as in my family we have own Honda since XX/XX/XXXX. However, in comparing the market and average interest rates as well as payment from fellow Honda customers, I believe my wife and I were either discriminated or taken advantage of. This is very unfair, and I am seeking assistance.
Consumer complaint received 2015-11-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct.