davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc. (VA)

On XX/XX/XXXX, I spoke with XXXX XXXX  about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later thanXX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX  who said she was representing gatestone at XXXX  telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from gatestone called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX  who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with XXXX XXXX regarding the payment plan to which he told me that was past the due date. Additionally, I requested that gatestone no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

THIS IS NOT A DUPLICATE CLAIM. XXXX  HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (TX)

In XX/XX/2017, we were devastated by Hurricane Harvey and forced out of our homes. In XX/XX/2017, our mortgage company offered us a 3 month payment relief and told us at the end of the 3 months, we can either pay the balance in full or receive disaster modification. We accepted their offer as it was much appreciated during this time. We contacted the mortgage company several times trying to understand the program but no one we spoke to had accurate information. We started to receive foreclosure letters and collection calls and we were very confused. We were then told we would be placed on a " trial '' modification and to pay a certain amount for 3 months and after the 3 months, we would be modified for the 3 months that were forbearance. Our credit reporting has been impacted and showing 6 months of late payments, something we were told wouldnt happen. We are STILL awaiting this so called disaster modification we have been promised for MONTHS! We have done everything they have asked of us but we are not getting any true help. Its been one lie after another and their " attempt '' to help us has become the worst nightmare ever. As first time homeowners, this experience has not helped us at all! We wouldve preferred to struggle to pay the mortgage along with temporary rent elsewhere versus dealing with this continuous battle of unprofessional and inaccurate information from the lender. I want our account fixed. We were also told we have an escrow overage that will not be released until we get our account out of default. Theyve been dragging their feet and wont fix this account in order for everything to go back to normal. We cant make payments over the internet because our account is all screwed up. They didnt tell us when they offered the disaster assistance that everything would end up screwed and confusing. The collection calls, the threatening letters, the continuous lies and negative credit reporting should be illegal!
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX, I go to the XXXX of Massachusetts. They inform me that there's no print out date for the title. Therefore they cant print out my title. They said something happened that that I should call my bank. 

I called Bank of America that day. They informed me that the title request got kicked back from the XXXX. They didn't know why it got kicked back. I asked Bank of America when were they going to inform me about this? They had no answer. 

I called again on the XX/XX/XXXX. and spoke to a supervisor ( XXXX ) who said that he contacted the department who deals with sending titles to the XXXX. He told me that they sent an Email at his request to the XXXX asking why it got kicked back. 

I am writing to you today two weeks ago I started this process and today they finally decided to investigate this matter because I brought it up. I know Bank of America is miss handling this account and they are showing that they don't care based on the time line of events and lack of movement in this case. Why is it that I, the consumer has done everything right, paid my loan on time for the past two years. finally paying it off to the tune of XXXX XXXX dollars, to wait two weeks to hear that they didn't even simply send off an email to the state to ask why my title is being held up. i think its just disgusting. The more pressing matter is that, I finally have a buyer ready to purchase this trailer which i have been actively trying to sell for some time now. I finally get a buyer and Bank of America is not doing a diligent enough job on providing me with my paid off title. I had to contact them to hear that the XXXX kicked back the information that they submitted. I don't know what going on but the XXXX is pointing fingers at BOA and BOA is pointing fingers at the XXXX. Please help.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (IL)

They are calling every  30  minutes throughout the day, every day. I have requested they stop. One woman got nasty with me. I do not know who they are. I have no debts and I do not owe them anything. I have told them they have wrong number. They continue to call!
Consumer complaint received 2018-04-11
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: JPMORGAN CHASE & CO. (OH)

There was a fraudulent inquiry done with Chase Credit Card Services on XX/XX/2018.  Chase reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and XXXX as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to Chase and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
Consumer complaint received 2018-01-24
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. (NY)

On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Justice Finance Company (TX)

I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.
Consumer complaint received 2018-07-30
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: Pinnacle Credit Services, LLC (FL)

A XXXX XXXX account is being reported on my credit file on both XXXX  and XXXX  reports and XXXX  has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX is using to validate my information as reported by Pinnacle.

I've disputed it with XXXX, XXXX and Pinnacle, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, Pinnacle, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CO)

I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

Freedom mortgage has reported an inaccurate 30 days delinquency on mine and my husbands credit reports. I did attempt to make my payment on the XXXX and XXXX day of month ( XX/XX/XXXX ) but because the system was putting in the wrong amount of my payment I was unable to make my payment. I attempted to contacted Freedom mortgage several times and was on hold for over 30 minutes each time. I was finally able to get someone and made my payment. I questioned the errors on the online system and the inability to get in touch with someone. I was told that they were short handed to due the holiday and system errors like I was experiencing were causing an increase in call volume. I thought surely they were aware it was there issue with the system and I would have no issues with my reporting. I later called back and was told not to worry that there would be nothing reported. I am very familiar with the requirements under the Fair Credit Reporting act and I have no issues seeking legal advice if this delinquency is not removed from my credit report. Let me be very clear, I am not asking for a goodwill removal I am demanding that you update my report bc of you system issues surrounding the timeframe in which I was attempting to make my payment. I hope this ends here and quickly.
Consumer complaint received 2018-04-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

XX/XX/XXXX FOR THE LAST TWO YEARS I HAVE SENT SEVERAL LETTERS TO XXXX XXXX/AD ASTRA RECOVERY SERVICES AND XXXX DEMANDING A COPY OF APPLICATION ON FILE WITH MY SIGNATURE, IDENTIFICATION CARD AND SOCIAL SECURITY NUMBER. I HAVE A NEGATIVE DEBT OPENED XX/XX/XXXX, TOTALING {$740.00} ON MY CREDIT REPORT, THAT I AM UNAWARE OF. I HAVE NOT RECEIVED ANY OF THE INFORMATION I REQUESTED AND THE AMOUNT IS UPDATED MONTHLY. 
I HAVE NEVER RECEIVED ANY WRITTEN VERIFICATION OF LOAN DOCUMENTS FROM AD ASTRA/XXXX XXXX OR XXXX. AS A CONSUMER I FIND IT UNACCEPTABLE AND UNFAIR TO PLACE THIS ITEM ON MY CREDIT REPORT WITHOUT ANY PROOF OR JUSTIFICATION. 
UNTIL ANY DOCUMENTATION IS SUBMITTED AND RECEIVED BY ME IN WRITING, I WOULD LIKE IT REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I have a six year old account that was charged off by XXXX XXXX XXXX and once a year the credit card company reports a current late payment on an account that was closed and charged off over 5 years ago.

This action caused a 35 point drop in my credit score and my inability to get a XXXX  citi card to buy XXXX XXXX. I am also unable to refi my house and the rates have gone up twice costing me many of thousands of dollars over the term of the loan.

This is retaliatory and unfair. It is also very intentional designed to damage my credit.
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (OR)

On XX/XX/XXXX I contacted Ally Bank over the phone to assist in changing a bank account information online as I moved from one state to another state I changed banking institutions from XXXX XXXX XXXX to a local credit union. The woman I spoke with was in the XXXX and she assisted me with setting up my payments with my new bank automatically on the XX/XX/XXXX of every month it should have been an even amount of {$230.00} every month on the XX/XX/XXXX I  get a notification on my phone that I have an NSF fee of {$25.00} due to Ally Bank trying to draft XXXX dollars. On the XX/XX/XXXX I once again contacted the customer service phone number and got a hold of another lady in the XXXX by the name of XXXX badge number XXXX she assured me that she would and we would cancel the whole draft and resubmit the information again to start a new draft I would also need to make a one-time payment of XXXX for the month of XX/XX/XXXX and it would no longer draft XXXX dollars she gave me a confirmation number of XXXX XXXX and assured me that I would get a contact back by the XX/XX/XXXX to assist me and the refund of my {$25.00} due to this mistake XX/XX/XXXX came and went I never received a call I contacted customer service again this time speaking with XXXX badge number XXXX XXXX and he assured me that I would be getting a call back and that they needed more information they needed a copy of my bank statement faxed to direct pay gave me the same confirmation number and gave me the fax number I faxed over the information on the XX/XX/XXXX still have never received a call back and once again on the XX/XX/XXXX they drafted {$1200.00} for my account again on the XX/XX/XXXX I was charged {$25.00} NSF fee from my bank so I again contacted customer service at speaking with XXXX and she assured me that I would receive a call by the XX/XX/XXXX of somebody was working on my account specifically and she was also emailing her supervisor XXXX XXXX the XX/XX/XXXX Tuesday came and went I never received a call today is the XX/XX/XXXX and I contacted customer service again spoke with somebody in the United States by the name of XXXX she let me know that she would contact her supervisor XXXX XXXX was in a meeting and was unavailable and I would be getting a call back that somebody was specifically handling my information and that person will be calling me today I have now been charged {$230.00} for my normal payment which I do owe and it was on time and an additional {$50.00} and non sufficient funds fees do to them drafting the incorrect amount nobody will give me the corporate phone number in XXXX Minnesota they only give me a XXXX XXXX phone number XXXX XXXX XXXX XXXX is the worst company that I have had to deal with I have not been late with them I just simply wanted to change my accounts and have incurred additional fees due to their mistake and not receiving any calls back I need help to get ahold of somebody at their corporate office to get this resolved
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.