davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (GA)

I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,
Consumer complaint received 2015-11-05
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MA)

In XXXX I made payment arrangements with Allied Interstate for some of my student loans that went into default ... the only reason I was in default on these loans was becuase XXXX made an error on my payment arrangement with them and was/is only applying my monthly payments I automatically make to them to half of my loans ( unknown to me and even XXXX does nto know why that happened and they are the ones that set the payment up ). 
Anyway I have been making payments by automatic deduction to my debit card ( because I was told by Allied Interstate they can not do ACH debits for payments just debit cards which I do not believe is correctnd seems a bit shady/illegal ). the payments are made every 2 weeks and have been taken since XXXX 2015 but I still continue to receive calls daily, sometimes several times a day and letters threatening to garnish my wages or take further legal action if I do n't make payment arrangements. When I called them to tell them I am making payments and to stop the letters and calls I was told that they would stop but they have not. In XXXX I was changing jobs and called to have them change the payment dates as my pay schedule was changing and I explained that my new payroll would not reflect dedcutions for insurance, union dues, etc for at least 60 days but that I would provide copies of my new paystubs and new income amount at that time. I was assured this was acceptable but still keep getting calls and today received another voice mail threatening this time not only threatening to garnish my wages but to cancel my payment arrangements if I did not send in the payroll information. I left them a voicemail in return explaining again that I had arranged to send in my new payroll information at the end of XXXX as agreed and that I was tired of being harrassed and ifit did not stop I would contact an attorney as I am tired of it ( this was all said politely ). In the voice mail I explained I was at work and was unable to talk and yet they called back again. This has been going on for months and I feel is harrassment. This company has had previous legal issues with their collection methods from my research and I want them held accountable.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Sale of account — 
Company: Army and Air Force Exchange Service (AP)

I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (OK)

I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015
Consumer complaint received 2016-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX XXXX our payment increased on our second mortgage loan. I started the modification process with SLS mortgage and still have no resolution. They do n't call me and when they do I found out they do n't leave messages. They have my address wrong so I have n't gotten any communication from them denying my request for modification. When I called they said they were working on it. Turns out it was denied and no one bothered to tell me. It was denied on XXXX/XXXX/XXXX and I called and found out of the denial on XXXX/XXXX/XXXX. This is causing stress, delinquencies on my credit report. I understand we needed assistance on the mortgage payment but they were supposed to do their part too. They are rude and condescending to me when I call. I am not in a situation to refinance so I am stuck dealing with them and they are making it impossible.
Consumer complaint received 2015-10-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Secure Capital Management, Inc. (LA)

Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (LA)

In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MA)

A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fairway Independent Mortgage Corporation (MA)

I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else.
Consumer complaint received 2015-03-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

I have a XXXX Paypal accounts. Sometimes I transfer between them and also I have sold things to others and they pay me with PayPal Cash cards, which I can deposit into my PP account. Which I do. Paypal states this is high risk to " them '' and froze my account. They state my account is frozen for 6 months. I have over {$1000.00} in this account. They simply freeze it. This is not right and not fair and even if I agreed with the risk factor, 6 months is simply way too long to " see '' if there is a chargeback or anything else. They keep and use others money for Free at their whim.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CA)

Nelnet is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Nelnet continues to report this erroneous information on my credit report. I have attempted to speak with a Nelnet representative about this mistake and they are rude each time I call and refuse to remove this information.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (WI)

I needed to thaw mine and my husband 's credit so our bank could review our credit to redo a line of credit with them. Apparently, because I thawed our credit we were signed up for a credit monitoring service for a trial of {$4.00}. If we did not cancel it we would be charged {$19.00} a month. I do not need credit monitoring, I keep my credit frozen. 
I called to ask how I was initially signed up and they were unable to answer me. I was also being billed twice every month. So {$4.00} times XXXX and {$19.00} times XXXX since XXXX. 
I called and asked for a refund. They said they will cancel my membership and refund for one month only. I called my credit card company and they can dispute XXXX. They can not dispute XXXX. They were told to have me call and ask for a refund. I did, and they would not.
Consumer complaint received 2016-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (GA)

My student loan account was recently changed from XXXX to a service provider names Nelnet. My repayment terms for XXXX was set up as a 10-year plan starting XX/XX/XXXX and ending in XX/XX/XXXX. Once transferred, I was told that payments and term loans were not changing, just the servicer. First payment was still the same, however, the second payment was for significantly less. I called Nelnet to see what the issue was and was told that the payment term was now for 25 years beginning XX/XX/XXXX making the term end XX/XX/XXXX. A DIFFERENCE OF 18 YEARS. I did not refinance the loan so I did not believe that they could do this without my approval. I thought they were suppose to continue the loan as is. Even with paying the difference to match what I was paying before, the new end date for my loan term is XX/XX/XXXX, so two extra payments and the representative said that she did not know why I would have to pay the two extra months even though my payments are still the same. She recommended that I pay extra XXXX dollars a month to get it back to ending in XX/XX/XXXX. So I still don ; t understand why I 'm paying extra.
Consumer complaint received 2016-11-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

.