davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (WV)

Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve this.
Consumer complaint received 2017-10-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (CA)

They constantly keep calling and call more than 10 times of day and call both landline phone and cell phone which I do not even know how they got in the first place and send letters over and over again. I have tried to settle with the original owner of debt but never wanted to now this new company called Asset Recovery Solutions LLC will not stop with abusive language and threat tactics.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX  provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (AR)

National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (NJ)

on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.
Consumer complaint received 2017-10-18
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: Performant Financial Corporation (VA)

On X/X/17 I mailed the company a letter stating the following : Upon review of my current credit reports, it showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I authorized it. I did not apply for credit with your company nor did I give you authorization to pull my credit report. 

The company responded that they were authorized to access my credit report resulting in a hard inquiry because they received a delinquent student loan account from their client, XXXX XXXX XXXX. Not only have I not heard of XXXX XXXX XXXX to confirm that they were ever an owner of my student loans, but Performant was unable to provide me with proof of me having an account with XXXX  that was subsequently transferred to them, naming them the legal owners of the account. Therefore, Performant is illegally accessing consumer 's accounts. This was an unauthorized inquiry, and it needs to be removed from my account immediately.
Consumer complaint received 2017-10-17
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: CURO Intermediate Holdings (TX)

fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (PA)

In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I have asked several times about the XXXX forgiveness program and was told by several workers at Navient that I do not qualify. They should have a record of each and every time that I called in regarding this matter. I make my payment of {$180.00} monthly and all of this is being applied to the interest on the loan. I do not see my balance going down. I make my payments on time and been paying on this loan for almost four years. Each time I have called into the company no one is willing to help me resolve this matter.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I had been using a credit card issued by Citi for some time. In XXXX 2017, I received a letter from Citi regarding a past due status on the account. 

I immediately called and learned from the customer service person ( collections department ) that I had been switched to paperless statements approximately 2 months prior. I never received any paperless statements, reminders, email, etc. and, most importantly, did NOT convert my account to paperless billing. I was told by the representative that if I log in to my account it will come up with a default check on the paperless option and " if you do n't catch it '' it will switch you over. 

I requested a copy of my latest statement and immediately paid the past due. 

I object to being charged interest, a late fee, and the reporting of this to credit reporting agencies. I would like to see some evidence that I elected paperless reporting, and I would like to see a regulatory agency look into this practice.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (NJ)

On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay. 

XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.
Consumer complaint received 2017-10-17
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. (IN)

XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CA)

This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX Debt Validation Form Questionnaire to be returned : Account # : ____________________ Original Creditor 's Name : _________________________________ Name of Debtor : ______________________________________ Address of Debtor : ___________________________________ Balance of Account : __________________________________ Date you acquired this debt : _________________________ This Debt was : assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account : XXXX ______ XXXX ______ XXXX _____
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

I have federal student loans with FedLoan and they have had my loans since XX/XX/XXXX. I was in deferment until XX/XX/XXXX when I entered payments on an income based plan, My first and only position has been working for a 501 ( c ) 3 company and therefore have been participating in PSLF program. I have submitted employment verification to cover this entire time period and have tried to stay within qualifying payment plans. However, I have had many issues with this program, starting this multiple payments made the " do not qualify '' for various reasons. I have specifically contacted the representatives with each request of payment plan change and was reassured each time that any full payments would qualify. Specifically, I confirmed in XX/XX/XXXX prior to changing payment plans that all payments would be qualifying payments expect while in deferment. I have counted 66-69 qualifying payments but my account only reports 42 qualifying payments. 

To further complicate things, it has taken FedLoan over a year to review my previous requests for payment reviews ( made XX/XX/XXXX speaking with " XXXX '' ). I contacted them again today and spoke with " XXXX '' ID # XXXX about the situation and was informed not only is there no time estimate for reviews but that I had additional payments that were marked as " not qualifying '' that I was not informed of previously. These payments did not qualify because I was temporarily placed on a non-qualifying plan while I " Transitioned '' from one income base payment plan to the next despite specifically inquiring about this possibility and being reassured that it would not occur prior to making the request to change. I had to submit a separate request for review that might also take an " extended period '' to complete. At this rate, I will have completed my 120 payments and still not have confirmation that I am appropriately participating in this program despite multiple attempts to confirm such. 

Lastly, each time I recertify my income as required yearly to maintain a payment plan in REPAYE or other income based plan, my interest is capitalized. 

I have paid {$130000.00} since XXXX and still have {$200000.00}. Therefore, after over 5 years of payments, I still owe more than I original borrowed despite paying nearly 2/3 of the original debt. 

Thank you.
Consumer complaint received 2018-05-30
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY CREDIT SYSTEMS INC (NY)

An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call. 

On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist. 

The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week. 

My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.
Consumer complaint received 2018-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (RI)

Yes and Hello I was first approved for a loan for the amount of {$270.00} in XX/XX/XXXX and had to pay a full amount of {$270.00} only in XX/XX/XXXX no interest because it was the due date the XX/XX/XXXX or XX/XX/XXXX of the month. Now i reborrowed in XX/XX/XXXX and was approved for {$250.00} and my due date was XX/XX/XXXX, {$250.00} only no interest if i pay on time. I pay it on time for {$250.00}. Now XX/XX/XXXX come around I reborrowed and was approved for {$250.00} so I accepted it. And when XX/XX/XXXX comes around they said I owe XXXX with interest I said no I just paid my last 2 loans with no interest. I'm not paying so if this go further I will make a complain with your company for Fradulent papers because I pay the last 2 with no interest and damaging credit.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IA)

This is simple. Until XXXX of 2018 I have been paying an Extra XXXX per month on my mortgage toward principal. when I went to make my payment on line in XXXX of 2018 and XX/XX/XXXX the mortgage company has taken away the ability to make principal payments. So I did not make the payment. As they do not allow for you to make a principal only payment online. This is Wells Fargo. Also they stuck me with {$100.00} of late fees for one month of being late ( I made a the XXXX payment today ) thinking the principal payment section missing was a mistake. I believe that Wells Fargo is purposely trying to make it more difficult for its clients to pay of their mortgage in a timely manner.
Consumer complaint received 2018-05-31
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. (LA)

I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, Equifax , and XXXX , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!