davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION (CO)

A separate party ( no relation to me ) and myself are signers on an auto loan with BBVA Compass. I only singed the loan to assist this person. This person has not paid the payment for 74 days. The bank calls me multiple times a day even after I have repeatedly informed them that I do not have possession of the car and that the person driving the car ( which is supposed to be paying for it also ) has placed a protection order against me until XXXX XXXX when we will be in court to fix that issue. After that, I told the bank ( BBVA Compass ), that I would be attempting to recover the car so I could perform a voluntary surrender of the vehicle to them and later attempt to fix the remaining balance. No matter what I tell them or how many times I answer the phone, all they ever do is ask for payment. When I try to talk to them, they just talk over me and will not let me talk, simply stating, " Do you have your bank account information ready for payment? " .. even if I ask them to stop talking and listen to me, they continue to ask for payment. It is enough to drive a person crazy. I understand if I did not answer and they did not have any information. I am trying to inform them of what is happening but it seems they do not notate the account and call me every day multiple times a day regardless of any information I give them. Now when they call, my skin crawls and if I answer I end up getting very upset. I feel like they are harassing me since I am trying to communicate with them but they just keep calling for payment as if they had never talked to me.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have private student loan with navient I am currently paying based on my income however it is very expensive and I ca n't afford the payments .i am set up for automatic payments each month based on my payday and they are charging me a late fees each month also the amount that I am paying is only being applied to XXXX loan and not all of my loans. I have co signers and I am feeling I am drowning in this debt I have to reapply again XX/XX/XXXX for this income based program and it wil most like go up which I can not afford. I am currently paying XXXX per month, this is up by XXXX more than I paid last year and my balance does not seem to be going anywhere.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Somebody deposited a fraudulent check in my bank account, I reported this to the bank and began a fraud investigation. They even stated that the individual went to a teller. This was not me so I agreed to close the account due to fraud. They stated that the accounts would need to remain closed with their institution and that It was being resolved. 4 years later while attempting to refinance an auto loan this debt shows on XXXX  although it doesnt show on any credit report inquiry before now. I attempted to contact Bank of America and was unable to get through to the right department even after visiting a branch I was told to just call. According to the report it is two separate accounts in the amounts of {$5100.00} & {$280.00} which I am not responsible for.
Consumer complaint received 2020-06-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (MS)

CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX  ). 
Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all. 
To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments. 
I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for. 

Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. 
Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. 
I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes XXXX or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them and not getting simple problems resolved. 
They 've already made XXXX mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I have several different loans with XXXXnavient to pay back. And showed a record of paying on time for the past 6 years. However, I started my XXXX ( went back to school after having worked ) at a XXXX in XXXX, the XXXX of XXXX, XXXX. The school is not on their list of foreign schools that let me be eligible for not having interest rate accumulation while I pursue my studies. I have asked several different representatives what to do to help get the school on the list, provided documents of proof of student status, and asked how to ensure that I do n't have accrued student interest on my loans, but I only received the option to declare that as I do not have a salary, I should go on the income-driven programme, therefore being eligible for XXXX $ monthly payment. The solution does not give me access to student-based deferment plans, and overburdens me during a period that I have returned to continue my studies. My repayment continues to grow while the fact that I 'm a student falsely makes it looks like I am unemployed, and am not eligible to claim my truthful student status. 

I feel that this is discriminatory to students who do not continue their study in the US, but have attained US loans and placed undue burden on my financial status. If there is a way to help place my university on the eligibility list, or frankly, if there is a way to expand this list to include all recognized/certified universities, than some of my crushing debt and burden would be lifted.
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

I have been sent multiple letters stating that I have an alleged debt from the Resurgent Capital services company. I have mailed a response to each letter stating that the debt is not mine nor have I ever had an account with the supposed company that Resurgent capital services is trying to collect for. I have never received any form of proof that the debt is mine nor have they provided the original documents proving that the debt is mine. I have mail more than 6 responses back to letters from them in the last several months and I want the company to leave me alone. I have told them to leave me cease and desist but the company keeps re sending letters stating that if I don't respond within 30 days they will have the right to reopen the debt collection. I wish for this company to stop all further communications with me and stop trying to collect on a debt that isn't mine.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (NC)

I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. ()

In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

This morning XX/XX/2018 at XXXX I received an email notification that my loan payment would be changing, an increase. Im set up with auto draft. Well 22 minutes later, at XXXX, I received my email for receipt of payment reflecting of the increase. I was charged {$540.00} instead of the normal {$390.00} without a real notice. They said changes would reflect in XX/XX/XXXX but they started today.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

In XX/XX/2011 after I graduated from XXXX College in Maryland I started making payments back to XXXX XXXX at the time. Through that time I had been working for the XXXX and was only making {$XXXX} a year. I requested assistance from XXXX XXXX and Navient to be placed on an income based repayment plan. Instead of working with me they pushed me into multiple forbearance which I have the documentation to back up. They continually harassed myself and my parents on a daily basis as I struggled to make payments. To this day I feel that Navient is one of the worst companies to work with and they still have my payments XXXX and they forced me to go into auto-pay to quickly try and get them paid off. They told me that 30 year financing was not available and that I would need to make the full payment each month which is roughly {$1000.00}. I think for someone trying to do the right thing and wanting to pay off their loans they are being penalized. As the lawsuit proceeds I would be more then happy to provide any information or documentation to show how I was a victim of Navients scam of pushing people into forbearance.