davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AZ)

As of XX/XX/XXXX at XXXX I had spoke with someone at Westlake Financial in regards to getting an extension of payment for my auto loan. I was on the phone for 18min 54sec and at the end of the conversation I was read a disclosure that I would have a payment on XX/XX/XXXX. On XX/XX/XXXX I received another call and was told the first employee whom I spoke with on the previous date XX/XX/XXXX, that she had made a mistake of not charging the {$50.00} fee for the extension, so at this time of speaking with this other person I was put on hold while she spoke with a supervisor about the mistake that had been made. Again I was read a disclosure of the next payment being approved for XX/XX/XXXX with no {$50.00} fee. On XX/XX/XXXX at XXXX XXXX I had spoke with another operator and as I was explaining the situation of the past call and he hung up on me. On XX/XX/XXXX I was on the phone again trying to explain the previous call and tried to speak with a supervisor in which I was told I could not and again hung up on by the operator whom I was on the phone with for over 18 minutes. Before every disclosure is read I am told that it is being recorded for quality purposes, so I know they have these recordings and feel that they should go back and hear them. I can not be punished for there mistakes and to me a disclosure being read of when my payment is due can not be violated on there behalf. Even if I am just 1 day past my payment due date I start receiving auto-dialed/robocalls which to my understanding is illegal and against rules set forth by the FCC and I have asked them to stop. Also because of this auto-dialing/robocalling I get phone calls from Westlake Financial in excess of 5-10 times a day usually back to back, The and in some cases outside of normal business hours for my time-zone which is considered harassment. I do have all of the calls logged and keep record of the number of times called per day I do NOT erase my call log. Please assist me in making sure that Westlake Financial, with whom I have my auto-loan with, stops the harassment and makes sure that they treat me fairly regarding our current business matter.
Consumer complaint received 2019-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

In XXXX, I began XXXX  school but was working full time. Navient automatically placed my XXXX loans into deferment when I began XXXX  school without my permission. I contacted them in either XXXX or XXXX upon noticing this and asked them to take them out of deferment, as I was working full-time and able to pay them. I was advised by the customer service representative that I should not do this and that the loans should always be kept in deferment while in school. I listened to them as I believed they knew best being the loan servicer. I was not notified that keeping my loans in deferment would substantially increase the interest that I now owe on them. I believe that the company misled me without properly informing me and am now left drowning in even more student loan debt.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

RE : XXXX XXXX XXXX, Account # : USAA Auto Loan XXXX USAA has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. USAA is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because USAA is predatory. 

This latest discrepancy is USAA is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : USAA is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

USAA is purposely punishing me and slandering my credit report. I will give USAA 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and USAA has refused to take responsibility and correct their blatant errors.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC (FL)

In XXXX I bought a home and took a first and second mortgage with XXXX XXXX. In about XXXX XXXX XXXX sold the loans to XXXX  XXXX XXXX. Then XXXX  XXXX XXXX told me they sold the second loan again. I never received any paperwork. I continued to pay the first loan, but I could not find where the second loan had gone. I did not have any communication until XXXX when I received a letter from API stating that I owed a large sum. I called and asked where my loan had been, asked for a welcome letter, asked for the history from the past 14 years. I requested this verbally XX/XX/XXXX and followed up with 2 emails on XX/XX/XXXX and XX/XX/XXXX. I was verbally advised to communicate with XXXX XXXX at XXXX. To date, I have not received any paperwork verifying that they have the loan. I have no paperwork to show they are the correct entity to collect on the loan. I do not know where my loan was for 14 years. I would like documentation regarding AHP ending up servicing this loan. Thank you.
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Hello, XXXX and Equifax have been reporting a bankruptcy on my credit file for XXXX  years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but XXXX and Equifax refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2019-12-27
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: EQUIFAX, INC. (TN)

This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.
Consumer complaint received 2021-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MD)

I have attempted to resolve this issue on several occasions with Sallie Mae. I contacted the company 's customer service department in XX/XX/XXXX and explained that I had been laid off from my full-time job with a law firm due to the Covid-19 pandemic in XX/XX/XXXX. I further explained that a job offer that I received with the federal government was rescinded in XX/XX/XXXX due to budgetary reasons. I also informed the customer service agent that I could only obtain temporary work at the moment and that full-time hours were not guaranteed. The agent failed to offer me a deferment in order to temporarily stop payments. The agent stated that I no longer qualified for a deferment. A denial email was sent on XX/XX/XXXX. The agent then offered a plan that required me to make interest only payments on the loan. These payments amount to {$220.00} per month. I can not afford this monthly payment due to my loss of income. When I requested that the loans be remodified ( lowering the interest rate which lowers the payment ), I was denied this request without explanation. The agent simply stated that you can afford to make the payments of {$220.00} per month based on the financial information provided to Sallie Mae. I can not even pay rent for housing at this point. There is an arrears of rent at this point, yet Sallie Mae claims that I don't financially qualify for my loans to be remodified. In addition, the agent that spoke with on XX/XX/XXXX claimed that she worked in the loan modification department and was extremely rude. She stated that my loan payment would only be reduced by an insignificant amount so she didn't understand my need for modification. I would like her unprofessional behavior reported to management. At this point, I must borrow {$220.00} to pay the past due amount and prevent the negative reporting of information to the credit bureaus. However, the loan payments are 45 days past due so another {$220.00} is still due to bring the accounts current. This I can not afford at this time.
Consumer complaint received 2019-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WA)

I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.
Consumer complaint received 2016-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc. (OH)

I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. 

PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.
Consumer complaint received 2022-01-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (TX)

I purchased a vehicle from XXXX XXXX in XX/XX/XXXX where my car note was XXXX through American Credit Acceptance. In XXXX of XXXX I asked them to pick up the vehicle because I was given a bigger vehicle due to my family size changing so I didn't need another car. They didn't pick up the vehicle until XX/XX/XXXX yet continued to add late fees which is understandable. They then sent me a letter on XX/XX/XXXX telling me that they would sell the vehicle and the money they would get would go towards my balance. They sold the car XX/XX/XXXX. According to them I had an unpaid balance of XXXX and unpaid late fees of XXXX which added up ro XXXX. They sold the car for XXXX which makes my balance XXXX. They charged me XXXX to come get the vehicle, XXXX to prepare the vehicle to be sold, and it allegedly costs them XXXX to sell it. Which totals up to XXXX which then makes my balance XXXX. On XX/XX/XXXX I received a bill for past due amount of XXXX thats due XX/XX/XXXX. They continue to add late fees for a car that they already sold yet they are constantly adding fees. On top of this it's a XXXX balance for this car on my credit with XXXX and experian for the balance of the car which is supposed to be XXXX. They do not have the right to continue to add late fees to a vehicle they already sold. When I call them to dispute they hang up or tell me I need to call back.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and Experian without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Consumer complaint received 2022-01-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio (CA)

The original balance was {$2100.00} and I paid $ XXXX  monthly for over a year. The account was opened pre-pandemic in XXXX and in XX/XX/XXXX because of the pandemic my salary was reduced by 10 % and I couldnt keep up with the payments. I tried to make arrangements for a lower amount and it was not accepted. I was willing to make smaller payments during the pandemic until my salary was restored. The original creditor ( XXXX ) sent the account to collection without my knowledge. I recently noticed an entry in my credit report for a collection in the amount of {$2900.00} which is more than what I owe. I did receive a threatening message from the collection agency about a week ago stating they have all my information and will show up at my place of employment or at my house and even called my Mothers house giving her details. Most people during the pandemic suffered losses and my intentions was never to NOT pay whats due and this is why I had already made over XXXX consecutive payments on the account. I think the collection agency is taking advantage of the pandemic knowing most people suffered some type of loss. They want to hurt people by adding a collection in their credit report which is not fair.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX EXPERIAN is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give EXPERIAN written instructions to furnish this account on my consumer report. 

And further, EXPERIAN is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
You have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EXPERIAN did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option.

And further, EXPERIAN is not obeying Title V of the Gramm-Leach-Bliley Act.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (SC)

Hey there! I originally saw a personal loan amount of XXXX XXXX  from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all Bureus and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. XXXX also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

Booked an international flight using the Chase Sapphire Reserve credit card. Part of the suite of protections advertised by Chase is delayed baggage insurance, which they've outsourced to a third party insurance company. A claim was submitted on XX/XX/22 and the automated response was that I would receive a response within XXXX business days. No such response has been received. An online search of the insurance company " eclaimsline '' shows a poor track record.