davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

Over the past 3 months, I have received repeated and incessant telephone calls to my cell phone number from a company called AMCA ( XXXX XXXX XXXX XXXX ). The calls begin at XXXX XXXX and do not end until XXXX XXXX. 

I called back the telephone number and asked a series of questions including verification of my address and date of birth, but the company could not find an account with this information. Therefore, I concluded that this company had no legal right to continue calling and leaving me messages over a debt which it can not verify or validate. I have not received any letters from AMCA pertaining to any debts and did not give this company permission to call my cell phone and harass me. 

When I added one of their telephone numbers on the XXXX XXXX XXXX XXXX list, the company continued calling using a different number and each time someone from XXXX leaves a message. The company is using fictitious United States physical and mailing addresses but the calls come from XXXX.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

I lost my home in the Northern California Camp Fire. My insurance company issued me a check for {$210000.00}. My principal balance on my mortage was {$98000.00}. The check had my name and Ditech Home Loans as the Payee. I send the check to their claims department. I wrote Ditech a letter asking that my mortage be paid off and the remainder sent back to me. I sent the letter and the endorsed check via XXXX to Ditech, which they received on XX/XX/XXXX. I have called numerous times asking where my remaining money was, when were they going to close my mortgage and do a lien release and when they were going to send me the over-payment amount back. The last time I called was today XX/XX/XXXX. I was told that my check was applied as a payment and they had not closed my mortgage out. They could not tell me when I would received my over-payment check. It has been 2 month since they have had my funds and I need my funds to get my family back into a house. I don't know what to do. My Ditech account # is XXXX. The customer service number that I have been calling is XXXX. The account is under the name XXXX XXXX, though my name as reverted back to my maiden name : XXXX 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: BMW Financial Services NA, LLC (MI)

BMW Financial instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XXXX I called BMW and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XXXX and then XXXX on XXXX. My actual payment is XXXX after 6 % tax on the lease. 

InXX/XX/XXXXa customer service rep said she couldn't take my payment over the phone and to pay on the BMW financial website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XXXX payment date. I called in to change my payment to the XXXX of the month back in XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XXXX after I got calls from BMW saying I was late, then I paid XXXX, XXXX and called BMW financial to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. BMW allows you to change your payment due date during the lease. I called BMW financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with BMW financial and they are not my fault, they are BMW financials error. My lease is done soon and this error will prevent me from leasing thru BMW and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru BMW but this is really unfair and wrong. Please assist me.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I've paid the full remaining balance toward my XXXX XXXX XXXX XXXX loan on XX/XX/XXXX with the amount of {$10000.00}. After payment was processed there was a remaining balance of {$780.00} showing on my online statement even though I paid the full amount that was shown on my statement as a balance ( see attached statement amount highlighted in yellow ). I contacted Navient and the agent initially stated that the {$780.00} was the interest accrued on the account, then I was transferred to a supervisor ( XXXX XXXX XXXX who stated that the online amount shown was wrong but she failed to provide me with appropriated documentation showing my balance before I paid {$10000.00}. The amount shown on the statement as of XX/XX/2018 was {$100000.00} but interest accrued and it came up to {$10000.00}. Also my last payment of {$10000.00} is not currently showing in my account, however payment was processed and money was taken from my XXXX XXXX XXXX account ( see attached statement )
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NC)

MY EX WIFE XXXX XXXX XXXX IS USING MY INFORMATION TO RECEIVE CREDIT CARDS AND OTHERN LOANS IN MY NAME. I'VE CONTACTED CITI SEVERAL TIMES AND THEY STATED THERES NOTHING THEY CAN DO. XXXX XXXX XXXX MY EX WIFE SINCE XX/XX/2015 HAS ALSO OPENED BANK ACCOUNTS IN MY BANK WITH LINES OF CREDIT. THOSE CREDIT CREDIT ISSUED BY CITI BANK ARE FRAUD.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019, I received a letter of explanation from Synchrony Bank regarding the privacy violation that I previously reported. 
This letter simply explains resolution of prior reimbursement and acknowleges that they had sent another customer 's letter to me ( XXXX XXXX, case # XXXX ). The letter simply expresses understanding of my report. 
At no time does the letter explain where my original response was sent or if MY PRIVACY was violated. Furthermore, at no time does the above dated response apologize for the error or even acknowledge that Synchrony bank made any errors. 
This is a bold and offensive way for a bank to respond after such an egregious violation.
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NV)

After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (AZ)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2019-04-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm (TN)

Cheadle Law is handling an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I dispute this debt. Cheadle Law sent me a letter advising me I could dispute the debt within 30 days or else it would be presumed valid. Because debt collection agencies are notoriously bad at communicating efficiently and effectively ( although I've had no specific previous experience with Cheadle Law ), I went ahead and contacted them through the XXXX XXXX   XXXX  to report that I believed they were attempting to collect on an invalid debt, dispute it, and request they mail me the required documentation to account for the alleged debt. 

However, Cheadle Law responded only to ask the XXXX  to close the complaint as " not appropriate '' because I was not their " customer. '' It was only on my second attempt that Cheadle Law agreed to send the requested documentation to verify the debt. 

Additionally, Cheadle Law has claimed I owe an addition more than {$1000.00} toward legal fees in addition to the reported debt owed to the original creditor. However, Cheadle Law has ignored my request to provide a specific accounting of the costs or to justify its fees. I again request they do this. 

Please note I still dispute the debt and I am asking Cheadle Law to  cease and desist all contact and attempts to collect this debt aside from verification of the debt and documentation of the accounting for fees charged.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

XXXX XXXX XXXX XXXX  processed our request for mortgage modification XX/XX/2017. 
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LendUp Loans LLC (CA)

To Whom It May Concern : I reviewed a copy of my credit report and the following company ran an unauthorized credit inquiry on me on my account. This is not a factual record In fact I spoke with the company and thry promised to remove this Inquire and not publish it as a soft hit either because I did not give permission nor did I consent of any kind I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact this company and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting all the names you contacted to verify this was factual. You have 30 days to remove this from all there credit agencies and report it correctly. If not I shall seek an attorney to represent me in a Court of law. I will also send you a certified mail of this exact letter. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX  is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.
Consumer complaint received 2019-02-13
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: BB&T CORPORATION (NJ)

I contacted XXXX  on XX/XX/XXXX to dispute a BB & T Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted BB & T and they were not able to validate this account. First off let me say I do not have an account with BB & T. I did get approved for a car loan and did sign documents for the loan. BB & T Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from BB & T. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't BB & T want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly BB & T KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted BB & T directly on XX/XX/XXXX @ XXXX XXXX  talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX  to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting BB & T via certified mail, I sent proof of the validation request, and a screenshot to XXXX  showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

I noticed that I had a debt collection from Merchants Credit Guide. The original debt was with XXXX XXXX XXXX. I contacted XXXX they had the wrong address and phone number for me. I never received a bill. The Hospital stated that they would get the debt back from Merchants. I was contacted by XXXX on XX/XX/19 and was told that they had gotten the debt back from Merchants, I paid the bill on that day. On XX/XX/19 it is still on my credit report and Merchants stated that they did not receive any information from XXXX. XXXX stated they sent the information to Merchants.
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details. 

I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to. 

My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate. 

Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX? 

Which is it? 
Did the account K in XXXX? 
Was my last date of my activity in XX/XX/XXXX? 

Your reporting is all over the place. This is why this account must be removed! 

Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.
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: Reliable Auto Finance, Inc. (MI)

Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. XXXX XXXX needs to be removed as well because that case is closed. XXXX also needs to be removed