davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MI)

Netcredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked Netcredit who loans money through many out of state banks to allow me to lower my interest rate to the appropriate SCRA rate of 6 % or 36 % out of state lending cap and sent them my XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent interest before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. XXXX. The 36 % Rate Cap Today A. TheDeregulationoftheXXXXandXXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over XXXX jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to me.
Consumer complaint received 2021-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

FedLoan sent me a notice about applying for an In-School deferment. I have not applied for an in-school deferment. I want my Cares Act normal deferment period. I took no action with FedLoan to cause this notice/change from them. I tried to call FedLoan at XXXX and no one answers the phone, no live representative, just an automated system. I tried to email them and there is no way to send them an email online thru my account when logged in. I feel this is malicious, easily overlooked by borrowers, and needs to be investigated. It is very suspicious I can not contact them to correct this. I want to be sure ALL my IBR payments to date have applied and not been reset because of this.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (TX)

Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC (FL)

I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. 
XXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. 
The Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. 
I have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you,
Consumer complaint received 2016-06-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (FL)

I have been defrauded by Westlake Services , LLC. I have been with them for five years. 
When I went to get a 2nd car after paying off 1st car, I found out they never reported anything to credit agency 's. I have been fighting with them since then to report 1st car and now my 2nd car. They refuse citing absurd SSI problems " they cant talk about '' They are a predatory lender with uber complaints for same thing. I spent last 8 months trying to please them sending everything they requested over and over. I contacted credit agents and they said its clearly Westlake that is the problem! They have cost me thousands of dollars and lie about fixing credit to many people so you never get away from them it looks like to me.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

The credit issuer ( Chase ) continues to charge me APR ( 29.99 ) Fixed with no justification for doing so. Average monthly interest charge under these current condition 's of a least {$200.00}. I have been current with my payments2nd issue since XXXX/XXXX/2015 the issuer has changed the way they allocate payments. From XXXX/XXXX/2015 minimum payment will be applied to the higher APR balance therefore yielding less of a deduction in your remaining balance
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me?
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.
Consumer complaint received 2021-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

First, I did not give Experian permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Experian from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. What a coincidence, to claim show up on How can you validate MY debt for me without me sending the documentation Ive requested. These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Experian updates my disputes online stating that it remains, WITHOUT them sending me any of my requested documents showing that I owe this debt. Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Experian to provide a copy of the written agreement that created my original requirement to pay. A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Experian is obligated to send me proof as I have requested several times as well as I did not give Experian permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.
Consumer complaint received 2016-10-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp. (TX)

I received a call from Senex in XXXX stating that I owed XXXX dollars for a medical bill from XXXX. Being that the bill was from XXXX Hospital ( XXXX ), I was suspicious. I 've been living in XXXX since XXXX XXXX and could not have charged any medical bills in XXXX during the referenced time period. I requested additional information from the credit agency and informed them that the bill was not mine. I was informed that they would request a signature from the hospital and send it to me in order to verify if I was the person that signed for the referenced service. As of today, I have yet to receive this information. In addition to reaching out to collection agency, I contacted XXXX to dispute the charges that appeared on my credit report. After 3 weeks, I received a response stating that the investigation was closed and it would remain on my credit report.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IN)

In   XXXX   XXXX   I searched the Navy Federal Credit Union website for my account 's tax statements for  XXXX  and previous years. At that time, it was visible that only the latest (   XXXX   ) was made available through that medium. So, I started checking as far back as the website would allow for months ending in  XXXX , to compare. I came upon a check amount that had been withdrawn in   XXXX   XXXX   that I did not recognize. I phoned th e NFCU to inquire about said check. The customer service person sent a check copy to my email. That check bears my account nu mber, but the other numbers on the bottom of the check do not coincide with the check #, nor is it my name, nor signature on said check. I called the customer service line on several occasions regarding the unrecognized check, questioning how that check was able to clear the bank with wrong information. I spoke to a supervisor on several occasions by the name of   XXXX   ( spelling? ) who concurred the check did not seem right with the information on the check, but it had been a mobile deposit from another location and an investigation would be opened, with an investigator contacting me for further details which never happene d. She did send me a pre-completed form for me to return to NFCU. Today, I received a letter from NFCU that it is my responsibility due " After a thorough investigation, we   concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$500.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' I phoned the toll free number on the letter and all the cs person in their security dept. could tell me was that from available notes, it was due to being past the 60 days from statement, but could not tell me if it had actually been investigated. Now, that does not seem correct to this consumer due there is still no real explanation as to how the withdrawal even went through the account with such discrepancy on the check, regardless of time, once it was discovered. It seems, indeed, an error that it was paid with no further ado. The mobile banking information is in the copy of the check copied to me, the copy tells the name/address of the individual who relates to the check and the name of who it was paid out to, none of it which is my information, not even my location. I am in  XXXX  ; the party on the check notes a  XXXX  address. Again, it is not clear in my mind how that check was able to be cleared, except to opine that attention was not paid to the specifics of the check. The amount of the check was for {$500.00} paid out of my checking account with NFCU. I was given your agency name for who handles credit union matters when the security dept. customer service person was prompted for the info. by me today. I am reaching out to your agency in hopes that you can assist me with this matter. Thank you very much for your consideration.
Consumer complaint received 2019-02-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ID)

I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges. 
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.
Consumer complaint received 2020-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Recovery Solutions (CA)

I recieven multiple calls from a foreign woman and the information on the voicemail was very hard to hear and understand. but basically I heard that I would be arrested at my place of employment and my debt needed to be paid. they need to hear from me within 48 hours otherwise something else would happen..
Consumer complaint received 2021-11-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (AZ)

We sold our home that had been financed by a reverse mortgage with HUD and managed by NOVAD Management Consulting LLC. On XX/XX/2021, the Title/Escrow Company ( XXXX ) first contacted XXXX to request a pay-off of the loan with an effective date of XX/XX/2021 ( per XXXX 's requirements ) XXXX XXXX was also provided with my written authorization ( as borrower ) to communicate with XXXX. Multiple written, emailed and telephone requests were made by both XXXX and me. 

The home sold effective XX/XX/2021, but escrow was unable to pay off the mortgage because they had not received a pay-off amount. 

A pay-off amount was FINALLY received by the complainant this morning by email. 
The pay-off amount is calculated to XX/XX/2021, in the sum of {$590000.00} plus a per diem to XX/XX/2021, of {$300.00}, for a total pay off on or before XX/XX/2021, of {$590000.00} Had NOVAD not neglected to provide a pay-off figure in a timely fashion, the pay-off would be slightly less than {$580000.00} -- fully {$3300.00} HIGHER than what we should owe. 

We need help because if we do not have escrow pay off the loan by XX/XX/XXXX, they will continue to charge us more.
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams, Alexander & Associates, Inc (NJ)

My name was used for a debit on a bail bonds after sending my ID and license that shows they send the wrong person to collections, Nothing has been done to remove it from my credit score. Instead they kept me.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I have received a letter in the mail stating our loan has gone into initiating a forclosure. 
I signed up for bank draft on XX/XX/2018 via email. I filled out their bank draft form and mailed to the address stated on the form. I thought this amount was being drafted every month. I received no phone calls telling me otherwise. Im now going to over night a check to this company in hopes of repairing the state of this loan. 

Also, I spent XXXX minutes on the phone with my loan care/cashcall. I finally hung up. XXXX minutes is a ridiculous amount of time to spend waiting. After my XXXX minutes waiting I decided to see if there were other numbers I could use to contact someone and it was the same music, the same prompts, the same wait. I hung up on these numbers also. No wonder my mortgage wasnt getting paid every month via bank draft. They probably messed something up on their end. Furious.And where were the phone calls? NO ONE CALLED ME!