davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have tried to refi but I have too many late payments my situation is temporary I would like to put the debt behind the loan lower the interest or get a repayment plan I have been denied a modification because I have private investors backing my loan. 
I have filed an appeal but the paperwork indicates if there was an error they will review it but nothing about actually helping me with a new appeal for my situation. 
I have been trying to reach someone in collections to process a payment plan I am being rerouted to the same person until the appeal period is over. 
Now there is a hurricane in the south where the call center is located and Im not able to reach anybody. I feel like time is running out and nobody is helping me. there are no solutions if someone would like to stay in their home. they just want to do a short sale time is running out I will pay and I was told by a representative that i must be at least more than 2 months late in order to get a repayment plan. I need someone to help me in this matter.
Consumer complaint received 2024-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc. (SC)

I initially got a XXXX loan from XXXX to go to XXXX to become a XXXX XXXX. When I was first applying for the loan I asked them verbatim if there was interest on the loan to which they responded there was none. A year later, I was unemployed for a time and during communications with one of the self proclaimed debt collector agencies/ default debtee that apparently held the loan instead of XXXX which was who I thought I was borrowing from called to see if I could make payments to them. I advised that I could not at the current time and since then they have called every day until recently where it started to slow down since I told them over the phone they were likely violating debt collection policies and that I would seek action against them for it. The current situation is that I called to ask how much the remaining debt was because I intended to pay the remaining balance in full, but I realized that the number I called was a secondary debt collection agency who also was calling me to collect a debt and I hadn't realized they were a different company until I actually spoke for a longer period of time on the phone with them. They gave me an amount that differed from the amount I was told by the first debtee / debt collector and gave me contact information for the first company to call them and get more information. I then called them back and during the ensuing conversation found out that my loan had apparently had interest day 1 and the XXXX company had no control over the loan and had just provided misinformation despite being the first point of contact with regards to getting the loan as if they had told me it had interest I would've never taken it. The summary of issues that I believe are a mixture of poor adherence to the guidelines of debt collection as well as bad communication. There were 2 self proclaimed debt collection agencies which when asked " are you a debt collector '' responded " yes '' who have been in contact with me constantly calling all the time from phone numbers all over the US including XXXX, I have been getting mixed information on the amount actually owed varying by about $ XXXX, and getting lied to initially about the interest on the loan which was what led me to not worry about it while unemployed mistakenly thinking I wouldn't have been accruing interest. I apologize for not having lots of hard evidence to give since most all of these interactions occurred over the phones but I suspect the companies involved have their calls logged to be compared. For reference the three companies involved are XXXX, simm Associates, XXXX XXXX. simm Associates and XXXX XXXX are the debt collectors in question. Also as an additional note in case this is also a violation, several times when I called simm Associates to ask if they were debt collectors they would not answer my questions until provided further information which seems sketchy to say the least.
Consumer complaint received 2019-09-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I've disputed this XXXX account several times. This account was not investigated by XXXX, XXXX or Experian. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.
Consumer complaint received 2019-09-06
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: CITIBANK, N.A. (CA)

On XX/XX/2019 my credit report from XXXX was alerted that an account was reported opened under my name the bank name is XXXX XXXX Bank this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my XXXX  services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Applied for capitalone platinum credit for applicants with excellent credit. Upon approval interest rate was 2 times more than should be with excellent to exceptional credit Supervisor stated that interest rate was not based upon my stellar credit and stated it was a fair rate. I inquired if the had lower interest credit cards and he replied yes. I asked why my stellar credit history and credit score of XXXX did not qualify and he again stated it was a fair rate. Excellent to exceptional credit scores are well below the almost 30 % interest rate they were tagging to my card. I am quite sure that level of credit should qaulify for best deals available. This was not a fair rate based upon the metrics that should be used to extend credit. This matter needs to be investigated to the fullest. My credit is neither being built or rebuilt it has been established for XXXX plus years.Card was not issued yet but details of approval arrived via email.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc. (FL)

I was admitted to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX FL on XX/XX/XXXX, Ref # XXXX with XXXX XXXX XXXX. I was there for about 6 hours and care that was provided is unacceptable, as well as treatment. I was prescribed 5 different medications, but wasn't explained what are they for and how it should resolve my XXXX. I followed instructions as prescribed and my condition didn't improve at all, I was worse. 
I called XXXX on XX/XX/XXXX for additional instructions, my XXXX XXXX XXXX  had increased and I was told to come back to XXXX. Due to my increase XXXX XXXX XXXX, I was not comfortable going back to XXXX because of their concern about money and not my care as a patient. 
I contacted my primary care physician on XX/XX/XXXX who was out of town, the on-call physician was out-of-network. Desperate for pain relief and concerned about my dangerously XXXX XXXX and I was placed under the care of the only physician available. 
I received a bill from XXXX 4-5 months later with outrages charges - one of them was XXXX XXXX for {$7600.00}. Not only did I receive astronomical charges, but I was forced to seek additional urgent medical attention. I feel these medical practices were unfair and deceptive.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have never been to these companies to apply for credit they were removed from the other bureaus XXXX and XXXX please remove these because I never gave no one permission to run my credit
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The company is Transunion, I was car shopping and was looking for the best finance charge I could get. There were 11 inquiries made on XX/XX/XXXX to the XX/XX/2018. I was under the understanding that if your inquiries are with in 14 days of each other it counts as one inquiry, Trans Union counted them as 11 different inquiries they did the same on XX/XX/XXXX & XX/XX/XXXX which makes my credit report look really bad 20 plus inquiries, now the credit union will not give me a loan because of to many inquiries. If they would show them as 1 inquiry each it In XXXX and XXXX it would show as 2 inquiries and would not affect my chances of getting a loan. When I agreed to have these auto dealerships find me a loan at the best rate, I didn't agree to 11 or more inquiries which now is preventing me from getting a loan. There needs to be some kind of change to how they show these inquiries so people like me do not get affected. Its not just trans union either all three do this but the other 2 seem to lump some together. Trans union does not.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (GA)

XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have disputed these two accounts with this collection agency and they remain on my reports. They have not provided proper verification or response within allotted time LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX Account # : XXXX Balance : {$1100.00} Open Date : XX/XX/2019 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/2019 {$900.00} {$900.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

I am in the process of disputing a transaction for {$740.00} with Citibank NA. This transaction was charged to my bank twice, and disputed twice. I was given a provisional credit for the first dispute. When I filed the second dispute, I also created a stop payment, which prevented the funds from being removed. Because of the stop payment being in place, and the funds not being removed, I did not receive a second provisional credit. Citibank, however, debited {$740.00} from my account on XX/XX/2019. When I spoke with them about this, I was told they were removing the provisional credit from my account for the second dispute. I tried to explain to multiple representatives and supervisors I never received a provisional credit for this, and they were taking my bill money. 

I am required to be given proper notice before they remove funds from my account, and I was given none. They are claiming they sent me a letter, but this letter was never received. If they had of in fact sent me a letter, I would not have been on the phone with them for three hours today being ran around in circles after the fact. I'm supposed to trust Citibank with my money, however, when I put my bill money in my Citibank account, they help themselves to it without notice. I am not being placed in a financial hardship as a result of them stealing {$740.00} from me without notice. They were not supposed to take this money, as no credit was given a second time. They were also supposed to notify me, they did not do this. As a result, I can not pay my bills. They refuse to return the money and give me a proper notification of removal at another date.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N J XXXX   XXXX  CC # XXXX  XXXX XXXX has sued me for a credit card debt that they bought from XXXX XXXX XXXX  which they can not validate. The last time I had contact with XXXX XXXX XXXX was XX/XX/2011 when I disputed several charges on my credit card that I received from them. I have not used the card since then yet now they say I know them almost {$2000.00}. The time limitation on the suit exceeds the statute of limitations for New Jersey. XXXX XXXX has never proved the alleged debt and they have not responded with regard to the disputed charges. They refused to provide proof of the charges of any credit charges.

XXXX XXXX
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX I filed a complaint with your agency ( complaint ID XXXX ) regarding a lost check of {$660.00} not being applied to my NMAC account and my credit score reflecting this. The company sent paperwork XX/XX/XXXX stating the issue was resolved and I was satisfied because my report showed a {$0.00} balance. Unfortunately, after your agency closed your investigation, NMAC doubled back into my XXXX credit report and reported a late payment for XX/XX/XXXX, which is damaging to my credit, as late payments stay on your report for 7 years. The car was totaled on XX/XX/XXXX and in XX/XX/XXXX i was still fighting to have them credit my account.
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is the letter that I wrote to Toyota Financial XX/XX/XXXX I am writing this letter in hopes of getting a better deal for what I am paying for. I have a XX/XX/XXXX Toyota XXXX. I first got the vehicle in XX/XX/XXXX. I have never missed a payment since having this car. I also had a XX/XX/XXXX Toyota XXXX XXXX   before this car and the payment was over 500 dollars but I never missed a payment. I have been paying a very large large amount for the product that I have. My payments have been over 500 dollars a month on both cars ever since I got them. Why do I have to continue pay such a large amount? Is that fair? both of these are used cars. and this last one why do I have to keep paying for 84 months? I know that I did sign both contracts but I really thought that this was because of my credit issues and I did really need a car desperately. I did try to give the last car back but it was past the 3 day limit and they said that they would not take it back. Since I have been paying faithfully and have not missed a payment. I just want a better deal. By the way since when did 84 months of paying a car start. Can't say that I ever knew about this trap that Toyota put me in but I hope that they will have some empathy and cut me a new deal that is reasonable for what I have been paying for. thank you. my account number is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX in XXXX XXXX California. ( XXXX ) XXXX
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (CO)

XXXX XXXX we financed a XXXX XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XXXX XXXX the XXXX dies out on XXXX practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XXXX XXXX they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next day XXXX XXXX we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XXXX XXXX the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XXXX XXXX we go in to voluntarily surrender the Jeep due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then JD Byrider later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.
Consumer complaint received 2019-09-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (CO)

I have made multiple attempts both recently ( two days ago ) and in the past as well to get in contact with XXXX XXXX University XXXX. In the fall of XXXX I signed up for two classes. I received no credit from XXXX XXXX because they would not access my financial aid even though I had been awarded it. I repeatedly sent the information they requested yet they continued to ignore me and not access the financial aid that had already been approved by FAFSA. Despite this XXXX did not access my account. Therefore, I did not attend the classes because I did not have the financial aid to buy the books required. Once I figured out that the school had no intention of accessing my financial aid it was too late to drop the classes. All of this was done while I was working diligently to get all documentation that they wanted, with no response from the financial aid office at XXXX. I had an awful experience at XXXX and could not get any assistance ( no matter how many times I tried ) from the financial aid office or my advisor. XXXX has now sent me to a collection agency by the name of Williams & Fudge , Inc for the amount of {$3800.00} for classes that they did not provide to me. I never received one call, mail, or email notifying me that I had an outstanding balance or that I was at risk for being sent to collections. The only reason I found out I had this balance is because I tried to order my transcripts for a new school that I am attending on XX/XX/XXXX. When I tried to order my transcripts I was unable to due to a hold. I then called the financial aid office asking why there was a hold and they told me I had been sent to collections for {$3800.00}, shocked I asked to speak with someone in charge and I was put on hold and then hung up on. Fast forward to now a week later XX/XX/XXXX, I oddly get a statement in the mail after not getting one at all this entire time. Seems too coincidental that after all this time I get absolutely nothing notifying me of my outstanding balance, but now all the sudden I get a statement after calling the office about a hold on my transcripts. I have read many reviews of XXXX XXXX University XXXX and there are dozens of stories just like mine, it is upsetting that this institution makes double the profit from financial aid students trying to get an education.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Fay Servicing, LLC (VT)

I paid off my mortgage which is serviced by Fay Servicing in XX/XX/2023. The loan originally covered 9 rental properties in two different counties. I sold some off here and there but kept 3 and paid off the whole remaining principal balance per their payoff statement.

I am now trying to get a line of credit and use the three properties I kept as collateral. Title search revealed that Fay never filed a release of lien in XXXX and XXXX counties in WI. It is now a whole 6 months later. I have called them more times than I can count and emailed. They don't seem to want to move on this and it is at the point where I will have to reapply and possibly get new appraisals for the properties I am using as collateral for the line of credit. I just want someone to hold their feet to the fire and make them complete the process.