davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient, who serviced  XXXX  of my student loans, just sprung on a final notice to pay on a delinquent account because it 's 210 days overdue on the amount of  XXXX  in interested. I have  XXXX  documents from  XXXX  loans them saying that I paid them off in full last year on  XX/XX/XXXX ,  XX/XX/XXXX , and on  XX/XX/XXXX . The {$35.00} is for  XXXX  student loans that have a {$0.00} principle and have a completely paid off memo from them.  XXXX  loan requires a payment of {$15.00} and the other {$19.00}. The date for the 8th delinquency notice is dated  XX/XX/XXXX , final notice is dated  XX/XX/XXXX , for the default is one day later (  XX/XX/XXXX  ) which is today. There are no other delinquency notices. The statements from Navient say that my loan is paid off and that, " we were glad to have you as a customer and wish you the best in the future, '' indicating to me that there was nothing more outstanding.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Credit Management, Inc (AR)

the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC. (NC)

On   XXXX   XXXX   XXXX    , Mortgage  XXXX  promised me by email a  XXXX  rate lock on a  XXXX  -year fixed refinance. The 45 days started on   XXXX   XXXX   so the rate lock period should expire on   XXXX   XXXX       On   XXXX   XXXX   I was asked by Mortgage  XXXX   XXXX  to sign " missing '' initial documentation. On this allegedly " missing '' documentation, the rate-lock period had been changed to expire on    XXXX   XXXX    which would amount to a rate lock period of 24 days instead of 45 days. This was a major red flag. I am in North Carolina and Mortgage  XXXX  is in  XXXX   XXXX . The distance made it especially important that I could wholeheartedly trust this company. They had no right to alter a guaranteed rate lock.
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TN)

We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments, which we were granted, but after that we were unable to catch up and pay on time. In XXXX XXXX, we gave the car back to them because they would not work with us. We were hoping to refinance through them, but we were told that is something they do not do. When we got the later stating what we owed left on the loan, we were taken back on the amount. It was extremely high! Even with late fees, we were floored to see the balance. We began investigating our account and found out that when we paid, AND current, different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX, had a different amount. One time, only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX, First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad, bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now, I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices, because this is what they are doing. Thank you.
Consumer complaint received 2024-01-27
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. (LA)

I am inquiring about the recent complaint I submitted on XXXX Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

On XX/XX/22 XXXX Etherium coins were transferred to a third party account without my knowledge or authorization. I have called and emailed Coinbase on numerous times trying to get a log with dates and times when the XXXX etherium coins were stolen. To this day I haven't received it.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Placement Services, LLC (IA)

I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

I went to the ER at XXXX XXXX XXXX XXXX 3 times in XX/XX/2018. I was misdiagnosed the first visit and given meds to treat something I never had ( Of course I found this out after the fact ). Second visit I was not seen because they were too busy but a doctor in the hallway prescribed me something for pain. Third visit another scan was done and I was diagnosed correctly this time. I was treated for a XXXX XXXX, which I never had when in turn we found out I had a fractured vertebra. I received 3 bills from XXXX XXXX - $ XXXX/each visit. I agreed to pay for one - the visit they were correct on. After numerous attempts to resolve this they simply refused to respond to certified letters, emails, voice mails-not one time - then turned me over to collections. I could have sued them for malpractice but did not. These 3 negative posts to the 3 credit bureaus are impacting my score hugely. I am not able to  refinance, get a credit card, or get any kind of loan. I have disputed the incorrect reports repeatedly and no one will help. XXXX was copied on every dispute. Still no response. I don't know where to turn at this point and I'm hoping you can help somehow.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

This complaint is about TD BANK.   ON  XXXX / XXXX / 2017  was charged a maintenance fee {$25.00} even though the account balance was more than minimum. TD bank calculates balance based on pending transactions before they clear. Example : Min Balance requirement :  XXXX  Charge of  XXXX  pending deposit of  XXXX  pending While pending balance becomes  XXXX  for time being and then when posted, the ending balance becomes  XXXX  =  XXXX  They still charge maintenance fees of {$25.00} since the account went below the min req. in pending status. This type of calculation should not be allowed. They should be charging fees after the transactions are settled.   XXXX  We contact TD bank and they said this is their standard business policy. Maintenance fees should be only charged when the balance actually goes below the min req.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency maXXXX furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. ( Concerning account XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CO)

We made a normal, typical payment to our mortgage on XX/XX/2020. The electronic transaction cleared our bank, but the mortgage company, Planet Home Lending, did not process it or credit our account. They simply kept the money. 

They have refused to refund our money. I have sent numerous emails and have called several times. All conversations are run-a-round or blatant lies by the customer service personal. 

We have never missed a payment. We are not in arrears. In fact, the loan has been paid off in full. The payment on XX/XX/XXXX wasn't processed or counted for in the loan. We've demanded a refund several times to no avail.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (HI)

We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide?
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). 
On XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. 

Today, XXXX confirmed that my file was closed for failing to provide a " recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (KY)

ON XXXX/XXXX/2016 @ XXXX 
I phoned AMERICAN EXPRESS & advised a female representative to CANCEL ALL BUSINESS with AMERICAN EXPRESS et al ; due to their inability to correctly respond to fraudulent activities reported to AMERICAN EXPRESS & police by this author ; & AMERICAN EXPRESS failing to assist with the prosecution of the offender. 

ON XXXX/XXXX/2016 XXXX My wife & I submitted e-mail to 'AMERICAN EXPRESS ' documenting our previous verbal cancellation. 

YET, WE CONTINUE TO RECEIVE mailings from AMERICAN EXPRESS ranging from 'ACCOUNT IS PAST DUE ', 'FAILURE TO PAY ', TO the receipt of TWO NEW AMERICAN EXPRESS cards (! ) ; that included a notation- " You can cancel your card without obligation to pay any fees or charges until you se it to make a payment. '' Both my wife & my AMERICAN EXPRESS cards were destroyed on XXXX/XXXX/2016- the date of our cancellation. We have made no attempt to do business with AMERICAN EXPRESS since in any way, shape or form ; & wish their mailings to cease, immediately ; as these mailings now should be considered harassment by mail. Postal authorities will be notified.
Consumer complaint received 2016-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

Several years ago XXXX gave me a {$500.00} cell phone, which I believe was unlawful. I slowly paid it back and quit paying for the service and they continued to bill me for several months, bringing the bill back to around {$500.00}. I refuse to pay XXXX anything. Dept collectors have been harassing for several years. I afford to pay {$25.00} a month and the guy rudely said that 's not enough. Now MCM midland credit management, I believe, is harassing me by mail and phone and not saying who they are when they call. I plan on taking legal action in the near future.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

In XX/XX/2013 I got a car loan at XXXX Nissan Motors in XXXX XXXX California But this car a few months late we discover that it vehicle was hit and the seller never said about this we went to make a report at Nissan consumer and they do n't did anything to help us one year late this same car was bringing to maintenance and in the passenger sit had some drop of water I told to the person at charge to deliver the car and to the manager but they said could be some water in one month late this sit had a hole when I show the sit to the manager they said that perhaps my husband gave a shuttle to somebody and this person smoking they never wanted help
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2017-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (SC)

my name is  XXXX   XXXX  and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in    2014  because I had a  XXXX  so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't