davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

Well they refuse to change, my pay dates so I will be able to pay my car note, and they refuse to lower my payments and they charging me a late fee because they keep scheduling my payments on the XXXX of every month and they know I don't get pay on that date and then they want to charge me a late fee.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXXand XX/XX/XXXX.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-08
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: WELLS FARGO & COMPANY (NC)

I have copies of my payment history which was provided from Wells Fargo on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against Wells Fargo as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, Wells Fargo has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that Wells Fargo needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to Wells Fargo, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I applied for a XXXX Loan Forgiveness program through Fedloan Servicing in XX/XX/XXXX and was told I gave the wrong school ID number. I applied in XX/XX/XXXX and was told I did not sign the application. I contacted the Student Loan Ombudsman and reapplied for the loan. I was soon told I would be awarded the Income Driven Program [ working at a XXXX XXXX XXXX ] ; however, I would have to provide my tax return so they could re-calculate my payments. I told them my husband would not help in the repayment of my loans [ he is not a signatory on any of my loans ] and they should only use my income of {$XXXX}. I was paying approximately {$1100.00} but I soon learned my payments would increase to {$2000.00} per month, making it 66 % of my income! According to the Student Loan Income-Based Repayment [ IRB ] calculator states, I should not be charged over 10 % of my income and usually is repaid in 10 years. I can not afford this. My husband is retired and is on a fixed income. Furthermore, my loan amount is approximately {$170000.00} but with 120 payments at {$2000.00}, I will end up paying more than {$61000.00} more than that amount. I do not understand how this is a " LOAN FORGIVENESS '' Program when they are charging me more than {$61000.00} more than the loan.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Financial, Inc. (TX)

XXXX XXXX XXXX is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any XXXX XXXX XXXX has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted XXXX asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As of XX/XX/XXXX XXXX reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but Equifax is the only reporting agency that refuses to remove it from my account.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
Consumer complaint received 2017-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (IL)

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (FL)

I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly.
Consumer complaint received 2017-08-10
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. (CA)

I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.
Consumer complaint received 2017-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

On XXXX-XXXX-2017, I was denied a special 12 month no finance credit card from XXXX with XXXX XXXX to purchase a computer, printer, and software totaling {$1100.00}. I was only offered a credit card with a yearly fee. After receiving letters from XXXX XXXX explaining why I was denied credit based on Experian 's credit report, I discovered the reasons did not match my credit reports from all XXXX credit bureaus.
I have a high score, have never been late on a debt, never missed a payment on anything I owed, yet was denied credit. I have written the credit bureaus to remove accounts that are not mine, and have attempted to contact XXXX XXXX to no avail. I did let the store manager know of this situation, but no steps were taken to resolve this issue.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. I also have your letter that violates the FDCPA and proof that you would rather keep sending this letter with the violation rather and pay the damages to consumers since you make more money off the letter than you pay out in damages. Get this off my credit.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc. (TX)

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (SC)

XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I discovered that Wells Fargo opened a checking account without my authorization in XX/XX/XXXX in conjunction with my obtaining a mortgage through Wells Fargo. I only learned about the account when my mortgage was paid off and I received a statement stating that I owed {$30.00}. I called Wells and was told that the checking account fee had been waived for the 9.6 years I had my mortgage but that the {$30.00} fee was being assessed since my mortgage was paid off XX/XX/XXXX. I never knew I had a checking account with Wells Fargo. I finally convinced a Supervisor to close the account. I am reporting this since I never knew until now that I was one of the unauthorized account holders.
Consumer complaint received 2017-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (AR)

In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?