davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to the  US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
Consumer complaint received 2017-04-22
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in court.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/2024, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.
Consumer complaint received 2017-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

XXXX
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX XXXX victim, I have my mortgage financed with Wells Fargo and am trying to get an SBA loan to pay for repairs on my house due to flooding. I called Wells Fargo to ask how I get them the notification that I am obtaining a SBA loan and was told over the phone that I should take it to a location to expedite the process. I took it to a location the same day and was told that I should have faxed it and I could n't get it authorized at a branch. They faxed the document and I have been contacted by Wells Fargo twice that it was received but it has now been 3 weeks and I still do n't have an answer or the form so that I can move forward with the SBA loan request. I desperately need an answer so that I can start the process of recovery.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TN)

The date of service was XX/XX/2022 place of service - XXXX XXXX XXXX physician - XXXX XXXXXXXX XXXX XXXXXXXX practitioner - XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX charges {$680.00} According to my insurance provider XXXX, the bill was paid in full. I owed XXXX XXXX 
they called and confirmed this now XXXX in XXXX of last year, in XXXX of last year they were told other charges were added and that was what I owed, my insurance provider requested a new bill be sent to them with all the addendums on it and they would take care of it. then today XXXX I received a collections bill from a collections company and this is now affecting my credit. 
Today they said they were missing information and would only deal with me when my insurance company called. I told them they should be dealing with the insurance company that was on the line, not myself. They said the insurance company pulled the paid {$680.00} back after the request for the new bill, which is why I was being charged today. 
The insurance company never received a new bill as requested the last two times when they spoke with a representative of this agency. They were still waiting for the bill with addendums so they could pay it when I received the same original bill again but now in collections. 
The billing company for this doctor said they said they would fix the bill and resend it to my insurance company just like the last 2x but could not take me out of collections they could only put a hold on it till it was resolved. I requested they take me out of collections because my insurance already paid this once and two the next part of this has nothing to do with me and this needs to be done the proper way through my insurance provider who paid in full the first time that they tried to double bill me. they refused and said they would talk to my insurance co and resend the bill and hung up. 

My insurance provider XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NV)

I do n't know if I completed the correct box but I truly need help with XXXX XXXX XXXX and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. XXXX XXXX received an account from Specialized Loan Servicing and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XX/XX/XXXX. XXXX XXXX then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse Specialized Loan Servicing shows in the payment history as having a balance of {$49000.00} as of XX/XX/XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Olympic Credit Service Inc. (WA)

on XXXX17 at XXXX I called the collection agency to inquire about my debt that XXXX XXXX XXXX ( XXXX ) had handed over to them. I was transferred to XXXX, who is in charge of my account, I asked how much I owed, what my payment options are, and if I could n't settle the debt for less. When I could not afford the {$300.00} plus monthly payment XXXX XXXX tone with me became extremely condescending and she hung up on me. 
I called back around XXXX XXXX and asked to speak with a Supervisor and was transferred to XXXX, to make him aware of how XXXX treated me, XXXX went over my debt with me and I asked if he could inquire with XXXX about settling for less, XXXX XXXX tone became very volatile and he stated " that 's not going to happen, I 'm not going to do that '' he also said he 's been down this road for year and it 's a " state thing '' and was inquiring where I went to college and if I work or when i 'm getting my degree, he ended up hanging up on me, but before he did he said " i 'm hanging up on you now '' I said, " yes, this is the same treatment I got from XXXX ''
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in 2011 with a balance of {$850.00} Old loan  accounts Closed accounts my ex-wife first name as current wife.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank Of America increased my interest rate on my credit card from 10.24 % to 11.24 % during my last billing cycle with no notification to me as the consumer of a rate increase. This account has been open and in good standing for over 7 years with no change in interest rate or credit limits until this last billing cycle. During attempts to resolve with Bank of America they confirmed that no correspondence was sent to me as required by federal law to notify the consumer within 45 days of any rate changes. Despite Bank of America 's admittance that no notification was given prior to increasing the interest rate, they continued to refuse any resolution.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NM)

I just received a letter from Discovery Cards and an application was denied, saying no credit on file. On the mailing address my viewed as XXXX XXXX XXXX. My middle name start with XXXX XXXX XXXXXXXX. I contacted Discovery to alert them. I want to inform everyone because my wallet was lost and had bank cards, credit cards from XXXX XXXX my ss card and birth certificate. Thank you for the the consideration. 

XXXX XXXX XXXX