davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (IL)

On XX/XX/XXXX I was injured at work. Unfortunately, my injuries required ongoing medical treatment prohibiting me from working. Immediately, I notified XXXX in writing that I was not working and included the contact information for my attorneys so they could confirm this information. 

On XX/XX/XXXX I was struck by a large SUV ( hit and run ) necessitating I be transported via Ambulance to the University of XXXX  at XXXX. These new injuries exacerbated my already infirmed condition. XXXX XXXX XXXX -- my XXXX XXXX XXXX " totaled out '' my vehicle leaving a balance of {$2700.00}. XXXX XXXX sent XXXX a check for {$10000.00} and took possession of the vehicle. I never had possession of the vehicle after XX/XX/XXXX. Once again, I contacted XXXX in writing and via the Office of the President 's Client Relations department. Initially, I asked if the payments could be reduced as I was not working. XXXX told me no. Subsequently I have received a Notice of Acceleration. More importantly, they have completely " tanked '' my credit score noting " late payments. ''
Consumer complaint received 2019-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WASHINGTON FEDERAL BANK (NM)

On XX/XX/XXXX the amount of {$6800.00} was taken out of my savings account by someone other than myself. On XX/XX/XXXX {$7400.00}, on XX/XX/XXXX - {$30000.00} and on XX/XX/XXXX {$30000.00} were also taken out of my account by someone other than myself. My savings account does not have a debit card to it, nor is it accessed by the internet. I only made withdrawals in person. I do not believe that anyone stole my identity, but that someone who works at the bank took funds out of my account.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

Convergent Outsourcing has reported to the credit bureaus that I owe them money. I have written and asked for validation and still have not received anything proving that the debt is mine. They also have pulled my credit report several times without my permission or knowledge. I never authorized for my report to be pulled, nor do I owe them any money and they will not provide proof.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX  Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00}
Consumer complaint received 2019-09-27
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. (ID)

Equifax ; XXXX and XXXX are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (FL)

I have been reaching out to my mortgage servicer BMO Harris Bank since XX/XX/XXXX asking what they have for for my XXXX and I am being ignored. 

I have called them 3 times and was told by customer service I would be called back and I've heard nothing. I emailed them ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( see attached ), asking for this information and I've heard nothing back. My escrow payment increased again in XXXX and I called with questions and received a call back on both occasions, but no one has called or has been able to answer any questions in regards to this inquiry. I am being completely ignored. 

Last year when I reached out to them they wanted me to pay for a full appraisal but I'm just inquiring as to what they have in their records. I should not have to pay out of my own pocket for information they are required to track, unless I disagree with their assessment. 

My understanding is they are required to drop my PMI once I am at 80 % LTV. I bought my home in XXXX for {$200000.00}, refinanced in XXXX and have never had a late payment. My current loan amount is {$140000.00}. I believe I am well below 80 % LTV but without knowing what they have my LTV at, I can't confirm. 

I do not believe they are tracking this information for me or for any of their customers and I believe the bank is taking advantage of someone who is in good standing to offset the customers that are not.
Consumer complaint received 2019-09-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Aloha, I have called USAA four times since XX/XX/2019 all relating to an inquiry for all digital copies of complete mortgage loan documents executed by USAA for my records and easy reference. My call on XX/XX/XXXX eventually escalated to the Office of the CEO for unknown reasons, and multiple people from that department have subsequently reached out to better understand what I need and more specifically wanted to know why I needed them ( latest call received XX/XX/XXXX from USAA Office of the CEO ). Again, I clearly restated my requested, confirmed addresses in question and asked when I could expect my request to be fulfilled. I was told it would be researched and they would get back to me. 

After a week of not hearing anything, I called in today XX/XX/XXXX to inquire about my documentation. I spoke to an XXXX ID # XXXX in The Office of The CEO, who ultimately stated that my case was still being researched ; and when asked who was working my file, what notes were reflected in the system, and the chain of people who have been handling my case thus far, I was told varying reasons from her on her ability not disclose said information to USAA needing to " protect my account '' by not disclosing that information to her inability to see any specific notes or persons working the case. 

So I'm to gatherThe Office of The CEO, who in part, handles grievances, conducts research and resolves complaints is incapable of tracking their own research or worse they are preventing consumers the access to their records in a timely and transparent fashion, which raises even more red flags. There is no reason why a simple request made on XX/XX/2019 should be this complicated, frustrating, and lengthly. 

I need assistance looking into this matter as soon as possible. Thank you.
Consumer complaint received 2019-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

I have been attempting to deal with Real Time Resolutions whom is has been an extremely difficult and uncooperative debt collector acting on behalf of my mortgage company. 

I have been trying to modify my 2nd mortgage held by XXXX. The balance is {$93000.00} and the account has been in default for at least 7 years if not more, due to significant medical and financial hardships suffered by my husband and myself. 

Throughout 2019, the communications from Real Time Resolutions started off cordial and professional, and gradually turned into aggressive attempts to collect a debt and incredibly difficult " negotiations '' that were frankly absurd. 

After going through a lengthy " loss mitigiation '' application process and jumping through many hoops that were placed on us, they saw our financials, saw that we are living paycheck to paycheck and decided to offer us a 1 % settlement offer on the balance of {$93000.00} - like if I could just write a check in the amount? 

An appeal process was requested and they just deemed by comps obtained by a local  Real Estate Agent as unacceptable based on the comps used. The problem here is they are making me go through many difficult problems to try to appease there requests, and when I do obtain the documents or professional opinions they request I am not actually offered a resolution that is appropriate nor within reach of my situation. 

I would like to deal with a reasonable organization that would be understanding of the matter at hand and that would be reasonable to arrive at a resolution that is within reach. 
A real offer that can be obtained to bring closure to this account. A realistic payment arrangement to bring the account current or a lump sum settlement offer that is REASONABLE. ( 1 % discount is not reasonable )
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.
Consumer complaint received 2019-09-18
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: Experian Information Solutions Inc. (CA)

EXPERIAN VIOLATES THE FCRA, DODD-FRANK AND CONSPIRES WITH THEIR CLIENT XXXX XXXX TO VIOLATE THE FDCPA. 
POST MULTIPLE DISPUTES EXPERIAN CONTINUES TO DEPICT XXXX XXXX XXXX BOTH INACCURATELY, AND INCOMPLETELY, IN IGNORANCE OF THE FCRA. 
ATTACHED IS YESTERDAY 'S XXXX DEPICTION ON A HARD COPY EXPERIAN REPORT.WHAT THE DEPICTION CLEARLY SHOWS IS THAT XXXX XXXX  INSTALLMENT LOAN LACKS A MONTHLY ACTUAL PAYMENT OR SCHEDULED PAYMENT. {$0.00} DOLLARS IS INACCURATE AS DEPICTED ... .. 
AND THE MONTHLY PAYMENT OF AN INSTALLMENT LOAN IS IMPORTANT REQUIRED INFORMATION TO ACCURATELY DEPICT ... XXXX 
WITH THE PAYMENTS MADE AND THE SCHEDULED PAYMENT, THE LOAN INITIATION FEE ( PRE-PAID INTEREST ) THE LOAN APR INTEREST RATE CAN BE DETERMINED FROM THE CREDIT REPORT.THE FIRST YEAR INTEREST RATE CALCULATION APPROACHES 150 PER CENT APR.THE CA SUPREME COURT IN 2018 CALLED THIS LOAN, FOR ITS INTEREST RATE, " UNCONSCIONABLE '' AND UNENFORCEABLE UNDER THE CA BUSINESS AND PROFESSIONS CODE. 
SO ... .STATING COMPLETE CREDIT INFORMATION WOULD FACILITATE THE MATHEMATICAL COMPUTATION OF INTEREST RATE ON A NOW ADJUDGED UNENFORCEABLE LOAN IN ANY COURT OF COMPETENT JURISDICTION. 
EXPERIAN 'S CLIENT IS A FRAUDSTER OR AT LEAST THE CALIFORNIA SUPREME COURT BELIEVES SO IN XXXX XXXX XXXX XXXX XXXX, WHERE THIS CLASS OF LOANS ( XXXX DOLLAR LOAN ) WAS ADDRESSED BY THE COURT.
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Bureau of Kansas, Inc. (KS)

I have repeatedly tried contacting this creditor after he continued to call and harrass me even when I had set up a payment arrangement online to get this debt settled once and for all. This debt is more than 10 years old and he continues to try and sue me for it. The last time I had a dealing with them they would call me and I would call them back and try to negotiate with them and they would tell me I am in garnishment status so there is no negotiating with them. This was after I had already paid over {$370.00} to them to get them off my back. They continued to try and get my employment information and bank information and when I wouldn't give it to them they would hang up on me. They refused to take any reasonable payment plan I had to offer them so even when I agreed to the amount online it wasn't good enough and they kept telling me I was in default and in garnishment status and they wouldn't let me negotiate any reasonable solution. They just continued to hang up on me.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (SC)

On XX/XX/2014, I was accepted to attend XXXX University Online. I attended the school for about two years at the time. I did not have a high school diploma to attend this school but the advisor told me that I was okay he was going to accept me anyway and put me on the right track to get my XXXX XXXX XXXX in XXXX XXXX. I was young at the time and get have the best education growing up but I want to be somebody and this was it for me. after attending this school for XXXX  years with XXXX credits and a GPA of XXXX, I was also on the XXXX XXXX  List. I received a call from a new advisor they told me I could no longer attend this school when I asked them why they did not give me any information and I was terminated from the online school and lost all my credits this Crush my dreams from getting the job I wanted and moving forward in life. For the past few years, I have been struggling with fighting with this school to remove the remarks and the debt off of my credit and the money I did not receive. I still feel like I have been scammed by the school. they have ruined my credit for over 5 years now I have been turned down from a car loan personal loan or good job by having this on my credit as a debt this school has really ruined my life. I have tried many programs and went to the government website to file a complaint but have not received any answers. I did receive a letter from the government on a dispute letter saying that they were going to remove accounts off of my credit but after a few months the accounts were being updated and placed back on my credit I'm back to square one this is my only hope to getting my life back together and putting my family back on track. I have a XXXX son and I want to give him the world not have the best education but. I have the intelligence to keep pushing I am an entrepreneur so I made a way for the world to still see my gifts in repairing Electronics and making people happy but I'm still struggling because I'm unable to expand my business from this being on my credit I unable to grow with this heavy burden on me. it was a mistake for me to trust this school with my future but now my future is in my hands and if this doesn't work I will keep trying to find a way. I believe I will be successful one day and make my son proud. 

Ps Sorry if I misspelled anything
Consumer complaint received 2019-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX   {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX   when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting  XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Back in XXXX when my Mortgage was transferred I made my XXXX payment in XXXX and also spoke to someone about a payment arrangement for XXXX months. My payments are {$620.00} and my regular mortgage payment is {$470.00} and after making my XXXX payment of {$620.00} on XX/XX/XXXX I am be harassed about a XXXX payment their telling me I should have paid the XXXX payment the end of XXXX. Now, the XXXX payment should be included in the XXXX month arrangement. Thats why I am paying more for XXXX  months and if I had paid the XXXX payment my mortgage would be caught up cause I gave them a payment on XX/XX/1919. This is very confusing. I can afford my mortgage I just cant afford this business trying to get more money and I only am able to make a mortgage payment once a month
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (PA)

On XX/XX/2019, I applied for a XXXX  ( XXXX  ) credit card and was told it needed further processing. I recieved a letter from XXXX, that a security/credit freeze was put on my account. I NEVER authorized a credit freeze with Sagestream. I never heard of them till I got the credit denial letter. I tried to contact/dispute this by calling, ( no one answers ) .going to web site ( unsuccessful ). They want to to faX personal information to them in order to help me. I will nto
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax is currently allowing the collection agency XXXX XXXX  to report a collection account on my credit file as an open RETAIL revolving account with a Late status and negative balance. 
Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed and contacted XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices. also They are reporting this alleged collection account with a past due balance of {$110.00}. It is reporting that I pay as agreed for the following months XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, and XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX- how can a collection account report as current? It was Marked it as a collection account XX/XX/XXXX but then states that the date of 1st delinquency is XX/XX/XXXX? I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Creditors Connection, Inc (AZ)

NCCI Debt Collection Representatives is calling me repeatedly and using profane, vulgar and abusive language, making threats of taking legal action against me for garnishment of my wages, calling my employer to make me lose my job, getting me sent to jail and prison and making threats of violence and death against me for a XXXX XXXX  XXXX XXXX account # : XXXX, the amount of the debt is {$30.00}, XXXX thats a fraudulent and unauthorized account that dont belong to me. This extremely frightening and very disturbing to me. I am in fear of losing job and life because of the severe and numerous threats I have received from NCCI Debt Collection Representatives.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NY)

I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account
Consumer complaint received 2019-09-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MA)

I had filed a report in XX/XX/XXXX with you and received a letter from New Rez stating they would correct my credit report after incorrectly handling loss mediation when I was laid off. I now am selling my house and need to purchase a new one and I'm finding out they did not do as they said, my credit is still showing that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they have added an additional one for XX/XX/XXXX which was called in on XX/XX/XXXX but they did not apply until XX/XX/XXXX. below is the original information for the original complaint. They really need to rectify this and stop the process of incorrectly marking this account as late when it was not.

Case # : XXXX Reference # : XXXX