davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I enrolled in the SAVE plan at the end of XXXX when student loan payments started up again. I have since been making the minimum payment every month since then. I was led to believe that if I made the minimum payment, any remaining interest would be paid in full, as that is what the text of the SAVE plan states. 

I have yet to see any interest covered and it continues to generate. I reached out to MOHELA about this issue on XX/XX/XXXX and received a response back XX/XX/XXXX. The response did not answer my question or address the issue and, instead, was a copy-paste of the details of the SAVE plan. 

I also filed a complaint with the Department of Education on XX/XX/XXXX regarding the same issue. I was told I would receive a response within 15 days. I received a response today XX/XX/XXXX, 66 days after I was told 15 days, and my issue is still not resolved. The response was, again, simply the details of the SAVE plan. The case # is XXXX. 

I am about to make my 5th payment on my loans since repayment began and the money is still going to interest. I refuse to continue to speak with MOHELA as they are a terrible company and have no interest in actually helping their customers. 

Please assist me with resolving this issue as my interest continues to generate and I could have been making payments directly to the principal if the system was actually functioning properly.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one closed my credit card account without any prior notice. All that I got was one email saying that your account is closed due to inactivity and I can not use it. I called the company and spent about 20 minutes on the phone and they could not find any prior communication but the customer service representative said they can not keep the account open. I could have done some transactions if I would have got any form of prior notice.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

This Dispute Letter is regarding Specialized Loan Servicing choosing to ignore the Covid-19 Pandemic, The Cares Act and our Washington State mandates regarding no evictions as well as Landlords inability to legally ask or collect rents as it is labeled as harassment as well as reported to the Attorney Generals Office along with a large fine. I am still currently being harassed by SLS with a sale date WHILE Washington State is under the NO EVICTION NO RENTAL PAYMENT MANDATES, which has made it impossible for me to keep up with utilities as well as mortgage payments without full rents coming in to pay for it all. The financial burden has been devastating and I continue to work with state and local agencies with my tenants to try and get financial help, but these agencies are so inundated and backlogged that I have been told they are only processing XXXX and XXXX applications, and to be patient. It is very difficult to be patient waiting for financial relief of unpaid rents to help with a modification/forbearance and for a repayment plan when I have a XX/XX/2021, sale date hanging over my head! I am not in any position to make these agencies move any faster than they are capable, yet Im threatened continuously with sale dates from SLS instead of working with me so we can all get through this. All my documents for a modification have been in review yet rather than understanding what we are going through as a nation, SLS is working to make the families I rent to with children homeless by their careless, illegal, irrational sale date tactics. I have asked repeatedly for forbearance, yet SLS has not attempted to make a good faith effort to modify my property. Therefore, I am asking that SLS comply with our state mandates and work with me, the landlord, as I am required by law to act toward my tenants as well during this Pandemic, and cancel the XX/XX/2021, sale date, work with me on a modification that will enable me the time to collect all of the past due rents and get modified with SLS on this loan. 

Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this statewide mandate still enforced in Washington State.

Please find enclosed a letter from Mr. XXXX XXXX, Washington Department of Financial Institutions with our States 4th Amendment regulations as well as Attorney General XXXX XXXX XXXX for Homeowners/Landlords during this Pandemic. I will continue to alert all pertinent agencies of SLSs responses and activities toward SLSs sale dates given to me on my property.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?
Consumer complaint received 2017-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This is a followup to Complaint # XXXX. Wells Fargo did give a response but wht they sent was the file copy of the note and deed of trust ( that I could have gotten from the County Recorders Office ) what i asked for was a COPY of the ORIGINAL note SHOWING ALL ASSIGNMENTS, or ALLOGNE. WF has refused to do that, even though this loan went from XXXX XXXX-Wachovia-Wells Fargo. Somewhere in between it XXXX have been assigned to XXXX XXXX XXXX XXXX and not returned properly to XXXX XXXX before it was transferred to Wachovia. WF wants to hide this and has refused to provide the Copy of the Original Note in it 's current condition. Their response is " this is proprietary information and they will not provide it ''. 
Additionally, WF approved a loan modification, it was executed, we made the first 6 or so payments. The loan modification on the First was aslo approved, however WF made a mistake on the terms, and promised to make a correction, but they were not satisfied with the terms they approved on the HELOC and wanted to find an excuse to end it, WF then instructed XXXX, the new Servicer on the First ( which they also supposedly owned ) to deny the loan modification. Once that was done they then cancelled the loan modification on the HELOC because the first did not approve their loan modification, ( both loans are owned by WF ). California Office of Business Oversight confirmed this by using the journal of the lender but they have NO oversight over Wells Fargo. and suggested that I ask CFPB to assist in getting WF to do what they promised.
Consumer complaint received 2021-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (PA)

Bridgecrest XXXX 3rd Party Allegedly states I the consumer natural person owes an alleged debt of {$19000.00} with their company on XX/XX/ I the consumer extended credit to the company XXXX XXXX for a consumer transaction in exchange a used vehicle. These companies violated Federal Laws, TILA, FDCPA, & FCRA. I the consumer delivered to the company legal documents and evidence of their violations and my non obligation to such debts. They also used abuse and misleading information to force I the consumer natural person into complying with their demands and regulations. A breached of my privacy has been initiated on their behalf as well.
Consumer complaint received 2017-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

On XX/XX/XXXX, I received a XXXX alert where someone added an address to my credit file that did not match any of the addresses where I stayed or have on file with XXXX. XX/XX/XXXX, Tek-Collect added a collection to my credit file that did not belong to me. XX/XX/XXXX I sent a letter to Tek-Collect requesting they send me any information validating this debt. On XX/XX/XXXX XXXX XXXX. XXXX sent me a document from XXXX XXXX XXXX. After carefully examining the document there was the address that was added to my  credit report and the person 's birthdate that did not match mine. I responded on XX/XX/XXXX informing XXXX XXXX that the debt was not mine, I never lived on XXXX. XXXX, that was not my doctor and certainly not my birthdate. I did inform him that on XX/XX/XXXX that someone added the XXXX XXXX address to my credit file. After waiting several weeks, I did not get a reply from Tek-Collect and the error remained on my credit file. XXXX and XXXX, after receiving my proof of address, utility bill and valid driver 's license with  birthdate, they promptly removed the collection from my credit file. However, this debt remained on XXXX. On XX/XX/XXXX I file a dispute with XXXX ( confirmation # XXXX ) disputing the address and the debt collection. They asked that I send them a valid driver 's license, copy of my social security card or XXXX form and Utility Bill in my name within 24 hours of my dispute, which I did. 
On XX/XX/XXXX XXXX said 'if they were able to make changes to my credit report based on the information I sent, they have done so. Otherwise, we, ( XXXX ) contacted the company reporting the information to XXXX for them to investigate your dispute. 
- We request that the reporting company verify the accuracy of the information you disputed ; - We provided them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation and - We request that they send XXXX a response to your dispute and update their records and systems ' As of XX/XX/XXXX, I  have not heard from Tek-Collect and XXXX sent all my personal information they requested Tek-Collect and the collection remains on my credit report. Now, I 've found out that my personal information through XXXX has been compromised. I want this debt collection removed from my credit report because it is not mine.
Consumer complaint received 2017-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Verified that the collector that is reporting on my credit is not licensed in my state of Florida. I did call and speak with the representative to verify my debt and that if they are licensed they informed me that they were and still attempted to collect.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My saving account has been hacked for {$5900.00}. Bank of America credited my account {$5600.00} but they refused to credit me on the transaction amount of {$300.00}. I never do business with this merchant XXXX XXXX, i never opened any account with this merchant. I went to the local branch of bank of America to discuss the matter and still not resolved. 
Note : the whole hack amount ( {$5900.00} ) came from the same merchant XXXX XXXX.. claim # XXXX
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I had a loan with XXXX XXXX XXXX XXXX and Ditech bought my loan. My monthly loan payment with XXXX was {$4200.00}. My first payment with Ditech was on XX/XX/XXXX. I paid Ditech {$4200.00}. I called Ditech to inquire about PMI and Ditech told me my loan amount would go down to {$3600.00} starting XX/XX/XXXX. They told me they sent me a check for {$8300.00}. I called and asked them about {$8300.00} and they told me they made a mistake and reinvested {$8300.00} back into my mortgage. My monthly payment remained at {$3600.00} until XX/XX/XXXX. My mortgage went up to {$4500.00} per month. I called and asked them why it went up to nearly {$1000.00} a month and they told me my taxes went up. My taxes never went up. I will send you my tax bills for this residence. I do n't know how may payment can go from {$4200.00} to {$3600.00} to {$4500.00}. How can a mortgage company ask me for {$1000.00} a month more? They will not budge on this. I now have to come up with {$1000.00} a month more.
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
Consumer complaint received 2017-07-08
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: EQUIFAX, INC. (MI)

I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-08
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. (MI)

I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-08
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. (MI)

I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc. (GA)

I reported unauthorized charges on my branch bank account as soon as I noticed funds were missing. My funds were drained unauthorized and trusting in my financial institution to help with this, I called in and disputed the charges. I tried keeping in contact, uploading new documentation etc but the bank never responded or answered their phone calls with me waiting an hour on hold many times. I then received an email saying my disputes were not ruled in my favor. They gave me reasons such as seeing the funds were used to my benefit. How were the funds used to my benefit if I didnt use the funds? I provided multiple documentation to prove my side, showing I did not authorize these charges. I provided many things, correspondences etc. the bank replied saying sorry but were basically still ruling the dispute not in your favor. I was already iffy of this bank when I first got it but had no choice because its who my job banks with. Now my money is gone and this bank is responsible! They did not throughly investigate to give me a proper solution about my money being used without my permission! 
They have no reasonable reasons as to why they ruled the disputed not in my favor. I truly think this bank is a scam! They have basically stolen my money by denying my claims upon reasonable documentation I provided to them!!
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

My complaint is with Wells Fargo. I've been with them for the last nine years, and these last two years have been crazy. It's every week that my checking account has been negative. I've called half talk to a total of 4 different representatives, and they have told me other things to do to keep my account from going in the negative, and I had done all of those things. My checking account is still in the negative as of Friday, XXXX the XXXX ; it was - {$300.00}. OK, the 1st representative I've talked to was on Friday, XXXX the XXXX, and she told me to keep a ledger of my spending, and I did that the following Friday, XXXX the XXXX. My account came up negative again, and I called and talk to my representative, and she hung up on me l spent two and 1/2 hours on the phone just to be hung up on by a representative that didn't take the time to hear my concern. And talk to another representative who told me to put all my bills on online bill pay I did that on the XXXX everything seemed to be fine paid a couple of bills. But then on the XXXX that's when everything was back the same I was in the hole with Wells Fargo for {$300.00} and I call and talk to my last and final representative who told me to just start using cash just like he do so I just can't take it anymore I went to the branch and I talked to the service manager and the service manager and she actually listen to me for 2 hours and went over everything in my checking account and when she got to my history of my insufficient funds she said that was enough to have my account reevaluated and put it into escalation and so though I ended up going back and talking to her again that Friday when my account was - {$300.00} was in the negative and I stayed there for 2, and a hours and I'm just yet waiting to hear anything back from Wells Fargo XXXX so this is my complaint I am very unhappy with Wells Fargo, because their over the phone representatives have no compassion whatsoever I was just seen as a number is a number even though I am a XXXX worker I'm worker I have had XXXX I have been hospitalized because of XXXX XXXX From taking care of others and for once I just want someone to take care of me and to listen to me and my concerns because it's not right that every week my account is coming up negative and I am paying my bills I am writing my statements down just to feel as though I am just a number a number to Wells Fargo customer service ...
Consumer complaint received 2017-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX/XXXX Called Equifax, spoke to gentleman named XXXX, told him " current address '' of XXXX XXXX XXXX .... is the ONLY correct address for me for the last XXXX years. He told me he processed the removal of the 5 previous addresses that were listed for me and gave me a confirmation number. 
Today is XXXX/XXXX/XXXX and I am still getting notices from them XXXX several repeated mailings ) that they still reference the invalid previous residences as my prior current addresses. 
Again, the only valid address for me since XXXX, is XXXX XXXX XXXX ... ... 
I am so ... .. frustrated with them as I have filed other disputes with them as well as a prior filing with your agency for problems with getting things straight with them. 
Right now, my credit report with them looks okay except for those invalid/incorrect addresses.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (AZ)

I was contacted by Hillcrest-Davidson about a prior accountant that I had with XXXX XXXX XXXX. The previous contracted had been fulfilled and I was no longer paying XXXX. I was never sent any communications from XXXX about any kind of auto renewal, which the representative at Hillcrest repeatedly keep referring to as she was talking over me and never letting me get a word in to explain. I was contacted again by a second rep after advising the previous to never call me again that the debt was fulfilled and paid. The second rep began to badger me from the very beginning of the conversation. They called me on a phone number that was never given to XXXX as a contact number. It was a mobile phone that I use strictly for business. When asked how they got the number I was told that " it does n't matter how we find you. You need to learn to pay your bills ''. At this point I was extremely upset to be disrespected and badgered. I gave the representative a very good piece of mind and immediately hung up. I believe these tactics are not condoned by the FCRA. I request that you have this company delete their presence from my credit bureau and correct my reporting and score. My credit was very great until these predators came along. I was also never given any written verification of the contract with the auto renewal or any correspondence from either company. I was called out of the blue. I still have not received any written verification of any debt owed.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (MI)

On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.