davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WI)

I am a XXXX vet who is going back to XXXX so I am home part time and in Iowa partime. My friend XXXX XXXX lives with me and we make my house payment together but we fell behind a couple of months. We tried to start paying the loan XX/XX/XXXX. XX/XX/XXXX and have been running into a wall ever since. She called several times to put XXXX on the loan. She told them she was paying with with her tax card and the representative never told her that they would not except this type of payment until the she called the second or third time. At this time the bank was closed. They would not except just XXXX They wanted a full XXXX so I sent a XXXX check so they would take they XXXX. They held the XXXX check on the side and did not apply it. XXXX got a cashiers check and mailed it but mailed it to the wrong zip code this was XXXX XXXX. When I saw they had not received it we tracked it and it was on its way back to us, so I go a cashiers check on XXXX XXXX from my bank that I have in XXXX by school. Call and spoke to nation star and explain the situation. The representative said it was no problem as long as I had the payment in by XX/XX/XXXX there was no problem at all. I check to make sure they got my payment on XX/XX/XXXX and they had not received it. So I called Nation Star again to see if they have received my check. The representative said they did not but they would not except the XXXX because they foreclosed on me on XX/XX/XXXX. I never receive any for closer information on my property saying they were going to foreclose on my property. Or did anyone say anything to us in the 6 to 10 calls we may in XX/XX/XXXX -XX/XX/XXXX. I talked to XXXX manger on XX/XX/XXXX and XXXX before that. The representative advised me on XX/XX/XXXX to cancel my check and pay them XXXX and I would be ok, but the Manger told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the told me I had to pay them XXXX or something close to that to get out of for closer. Ever person I talk to gives me a different amount. They will not take my payments. They always tell me it has to be a specific dollar amount. How is anyone suppose to catch up when they continue to do this to you. They harassed with phone calls one or two a day for over six months till I threatened them with my lawyer. This is when I did not miss a payment at all and when I miss a payment I get nothing to say they are going to foreclose. Then Schedule an Appointment now. 

XXXX Customer Name : XXXX XXXX Free XXXX for new clients only. Not to be combined with any other offer. Not good toward boarding, grooming, prescription and non-prescription medication, and retail items. Not good toward emergency and/or specialty XXXX services. Coupon good for up to XXXX pets ( dogs or cats only ) per household. Redeemable only at a general practice XXXX XXXX Hospital. For pet owners who are aged XXXX and older. 

Valid through XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX - XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA (KS)

My student loan balance with Mohela was transferred to XXXX in XXXX XXXX XXXX. On XX/XX/2024 I noticed that my student loan balance was showing with XXXX but also with Mohela causing my debt to be double the amount on my credit report. XXXX I submitted a dispute with all three credit bureaus for the inaccurate balance on my Mohela student loan. I attached the copy of the balance report showing XXXX balance from Mohela with my dispute. On XX/XX/2024, I received notification from the credit bureaus stating my balance of {$130000.00} was accurate with Mohela and that I made at {$720.00} payment in XXXX ( which I did not ). On XX/XX/2024, I called Mohela which they again confirmed my XXXX balance.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

In, XXXX, I had my XXXX XXXX XXXX repossessed. Wells Fargo Dealer Services let me know I was almost 2 months behind in payments.I had discovered that I had missed a payment in XXXX, when I was in XXXX XXXX, tending to my terminally ill father in law, who passed away in XXXX of XXXX. I was unaware of this until my car was repossessed. My husband immediately paid the {$1500.00}. which was due, withing a day, and the car was returned to us. After that, we continued to make our payments, until it was finally paid off in full in XXXX of XXXX. I do have the title in my possession. Recently I started to clean up my credit, in order to purchase a home. We recently found that this repossession was on my credit report, and also says {$10000.00} is still owed, which it is not. My husband called Wells Fargo, to get this taken off my credit, but was told that we couldnt, because my husband filed a bankruptcy. Creditor refuses to update trade line to show paid in full.. My husbands name is XXXX XXXX , and I am XXXX XXXX .
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (NJ)

I have been paying SallieMae ever since my forbearance ended in XX/XX/XXXX. It started out with {$720.00} from XX/XX/XXXX to XX/XX/XXXX 
In XX/XX/XXXX, I successfully paid off XXXX of my XXXX loans. That brought my new monthly payment down to {$670.00}. As a result, I began paying this {$670.00} in XX/XX/XXXX. 
Never has Sallie Mae put in any hidden fees I knew nothing about. Never have they adjusted anything. 
Then in XX/XX/XXXX, I saw that i had to pay XXXX, I did n't look into it, I figured that it was n't a big difference from {$670.00}. I continued paying this new {$670.00} from XX/XX/XXXX, when it began, to XX/XX/XXXX. 
On XX/XX/XXXX, it raised to {$680.00}. I paid it and now i see it again, {$680.00} for XX/XX/XXXX. I am worried that it will raise again. So i decided to check over my online statements, I had no late fees and NO explanations in the calculation. 
I decided to call and inquire. I ended up speaking to a rep named XXXX at XXXX on XX/XX/XXXX and he said " based on the economy, your loan interest can increase ''. 
Now, I do n't trust SallieMae, it is bad enough that I pay as much as I do and I can not do anything about it. But I would like further investigation. The last thing I need is to get screwed over by these criminals. I do not see why I have to pay for the economy. As far as I know, the economy fluctuates as it always does. My payments have never ever decreased, but all of a sudden they increase it. This simply does not sit well with me.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX I was I was taking a trip from XXXX, Tx to XXXX XXXX in the XXXX XXXX XXXX from my location it was a 26hr flight I was very restless and didnt have any phone services throughout that timeframe. During my travel I had a XXXX wallet with my credit card inside of it that I lost at the airport someone found it and accumulated charges in the amount of {$8600.00} Once I got phone service I immediately contacted the bank to notify them what had taken place and I also reached out to the airport to report the lost. Navy federal denied the claim without providing reasoning they stated that I didnt provide them enough evidence I sent the flight confirmation, police report, the report from the airlines for lost luggage, Im not sure what more evidence I can provide to support the claim I did not authorize the transactions nor was I in the United States at the time of incident also my card was not in my possession I have acted in good faith, providing accurate information and cooperating fully throughout the claims process. Navy federal have still denied claim after I gave them all the proof that was requested
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I had an account with Navy Federal. I had medical issues and they charged off the account # on XXXX 2014. In XXXX/2014 on my XXXX report they reinserted the account XXXX by adding XXXX in front of the account number they modified all the history of the account after my attorney told them I would be filing for bankruptcy to stop the judgement on the Charged Off account. I disputed the duplicates and they only removed XXXX of them. The history and everything else that was disputed and incorrect remained and they kept verifying the debt as correct. 
On my XXXX credit file I had no Authorized User Account on XXXX/2014 when the debt was charged off for my husband on his account # XXXX they added the account removing all history on the Charged Off account and labeled me as an " Authorized User ''. I have disputed this account since last year and they with the intent to collect have continously verified all information as valid when in facti it is not. 
At this point I want to have BOTH ITEMS deleted for due to multiple violations of my rights under the FCRA, the bankruptcy chapter XXXX stay and violations of the Discharge injunction.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ARS National Services, Inc. (CA)

Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX XXXX unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called National they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I was recently enrolled with Navient loan forgiveness program last year 2016.i had several loan accounts that I was told that would be consolidated into XXXX account. although a couple of payment have been missed. 
Navient went back on my credit report, and in Just one month alone my credit score dropped over XXXX points. and pretty much murder my credit by hard hitting all the accounts instead of just that XXXX I was told it would be consolidated into. this literally happened right after I enrolled into Obamas newest loans forgiveness program.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I contact US Department of education to help with XXXX XXXX loan. I talk lady name XXXX in XXXX explain to me that they could help my situation. I was told that Navient will pay off my loan with consolidate with payment of {$230.00} till XXXX and that would be all I have tp pay. I received letter in mail from Navient on XXXX XXXX, 2017 stated in the loan the loan amout from XXXX XXXX is {$35000.00} which Navient added on {>= $1,000,000} that brings my balance to {$560000.00}. I 'm confused and upset because they mislead information I would have never went to Navient company to help me with student loans. I would like to cancel my service and my first payment is not til XXXX. There has to be law suit against this company
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (NC)

State Farm Bank reported my car loan as 30 days delinquent when it was not 30 days past due. My payment is due on the XXXX of every month. A payment was made on XX/XX/XXXX. My payment for XXXX was due on XX/XX/XXXX, however the payment was delayed until XX/XX/XXXX. It was 17 days late - not 30. 
I spoke with a customer service representative at State Farm Bank and was told that it should not have been reported as it was not 30 days late. I was told that there was no way for me to contact the credit reporting department within State Farm directly. I disputed the report with State Farm Bank directly, as well as XXXX and XXXX. The creditor continued to report the account as accurate and it now shows as a derogatory mark on my credit score.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

currently trying to dispute derogatory information as well as personal information that may not be correct in my file I have XXXX potential negative account and was trying to get those corrected starting with XXXX home mortgage has to correct a wrongful foreclosure and payment history for almost XXXX years and the balance amount, also XXXX were currently in litigation because my vehicle was wrongfully written off! I feel like i 'm being cheated out of the credit I should really have, can a investigation be launched to see what is going on here with Equifax XXXX enclosed is supporting documents to my claims.
Consumer complaint received 2016-05-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (UT)

For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On XXXX XXXX, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the XXXX and my pmt was due the XXXX, they did not debit the XXXX out and I was late by 10 days because I was unaware! I spoke to XXXX customer service reps and a supervisor all confirming that this was fine and would n't matter because it was there mistake! After speaking to another XXXX representatives and a supervisor liaison today, I was yelled at, threatened to be hung up on, and placed on hold for several minutes! I was told that even though it was there fault they still denied it! American education services stated that my loan was through national collegiate trust and they were the ones that denied it! I asked for their contact information and was told they did n't have any contact info for them even though they were collecting a debt for them! I also asked for the promissory note giving them permission to collect on this debt and they refused to provide it! I asked to speak to supervisors and they refused to let me speak to anyone! There are multiple complaints online regarding this company and the scam they are pulling! I 've been paying on this loan for over four years and my balance has only decreased by very little! This company is scamming people and will not work with anyone or provide any information regarding my loan!
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

My annual free credit report from Equifax is unavailable online. 
Last year I was required to print and fill out a paper form and mail it, along with other documents containing my SSN and complete identification information, in order to receive my report. This year they have imposed the same requirement. The other credit reporting agencies do not require this. Why does Equifax? Are they choosing to put me at risk of identity theft in order to discourage me from requesting my report?
Consumer complaint received 2020-09-05
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: Bread Financial Holdings, Inc. (CA)

Im the process of purchasing my first home and during the credit check they found an account that was open that I dont own. The account title is CCBXXXX. It says that someone has been paying a credit of XXXX by making payments that are XXXX per month, however I never opened or payed that credit account and Im unable to find a phone number for that company.
Consumer complaint received 2016-09-17
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (CO)

The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Dear sirs, I had a XXXX one and half years ago and could not work my job for over six months. My wife and I have a company at XXXX XXXX that made a great living for us especially with the XXXX who were the most popular buyers until their dollar devalued and visits diminished. Our business is seasonal and when heated summer months arrived we lost income and things started to go downward. I tried the loan modification system with Wells Fargo but they constantly asked for fax duplicates for the loan for a period of over 4 to 5 months but in the end they said I did not meet proper qualifications and did not produce documents requested in a timely manor.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

They started garnishing my wages up to amounts of 400 a month. I can not live with that much being taken out of my checks. I also received two letters yesterday with two different amounts with the same account number. I was never offered income based repayment. They offered that I pay a monthly fee plus what they were already taken out of my paychecks to get on a repayment plan. The cost would have equaled over 500 a month. I would get emails to defer but I 'm confused on what loans I 'm deferring if they were already taking all my money to survive from my paychecks. They are sending documents to my old address in Ohio which I have n't lived at in over 2 years and I have told them this. Again, how am I supposed to know. I am now under the assumption that I have paid to mich and the amount of financial distress put on me over the past year is sue worthy. The XXXX it 's put on me, my work, my life and how XXXX it made me when they made me feel like I had no other options. I want this made right. It 's disgraceful that a company treats people like this. I would work 7 days a week and would n't see my overtime because navient takes so much from me. This situation needs to be address and fixed and I need compensated for my money spent, which I have no idea where it went, my emotions, XXXX, XXXX, time.
Consumer complaint received 2020-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My home was burglarized and severely vandalized and as a result my identity was compromised. On numerous occasions I have filed a dispute stating that and nothing was done EXCEPT from the creditor to continue to bill/negatively report of XXXX  and XXXX  of an unpaid debt that was a result of a crime, as if I haven't already been victimized enough. Please view the attached police report and case number. 

Refer : Deputy XXXX XXXX Station : XXXX Sheriffs Station Phone No. XXXX Case No. XXXX
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NAVY FEDERAL CREDIT UNION (VA)

The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My partner and I bought a house together. We were not married. I was the XXXX of our XXXX kids and had not had any income for 7 years prior to applying for a mortgage. Bank of America approved our loan in 2007. About 2 years later, when the housing crisis hit, my relationship also tanked. My ex stopped paying our mortgage. There were several refi programs available, but neither Bank of America nor XXXX would allow me to apply for refinancing stating I was not the primary borrower. The net effect : they allowed me to be on the mortgage despite having no income. When I tried to refi, they said no, but were still holding me liable for the debt. It seems they discriminated against me in that they were holding me liable yet not offering me the same relief they were offering others who wanted to refi. 

The house went into forclosure. I want my name cleared and the forclosure off my credit record because they refused to help me in the way they were willing to work with my ex as the " primary '' borrower.
Consumer complaint received 2016-02-29
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ASSOCIATED BANC-CORP (WI)

I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.