davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I was in the process of obtaining a loan modification.. I received documentation that stated my review would be completed on XX/XX/XXXX ... On XX/XX/XXXX, I was received knowledge that my home was auctioned by the mortgage company ... I had no knowledge of this information, the last correspondence received was that my loan was currently being reviewed for a modification.. When I called to inquire about this decision, I was informed the mortgage company did n't inform the foreclosure department to hold my sale date.. My home was illegally sold and now I 'm in a position that I have no where to go ... This is truly unlawful, I also spoke with the real estate brokers who stated the same thing happened last year with the same mortgage company ... Something definitely should be done about this.. the reason I asked for a modificaton is because my husband died unexpectedly ... I have not received any assistance from the mortgage company just alot of running around and passing the buck without anything really being done ...
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I previously disputed and they removed, then listed again on Equifax and XXXX a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in BK. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for XXXX I must keep abreast and make sure the credit report have the correct information. But XXXX and Equifax refuse to update their records
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

I went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (TX)

Trying to get a new card for gas after talking to the credit card people LoanDepot is reporting my mortgage payment as {$130000.00} when it is really {$1700.00}. 
I am being told that it makes my debt ratio way to high to get even a credit gas card. 
If this is correct, they need to report is correct RIGHT NEW!
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (TX)

ON XX/XX/2019 I was contacted from Capital Accounts saying I owed money to a dentist that I have paid in full, I have all paper work from dentist, but now they are saying that insurance didn't cover something, anyway Capital Accounts told me I had to pay and if I didn't pay they were charging interest and that would also be reported to my credit report monthly until I paid. I have never received anything in the mail about this account and I have spoken to the dentist about their improper disclosure of how he said were in network and they spoken directly to insurance company and had the procedure approved how much I had to bring the day of procedure and 1 yr later their saying I owe more. 

Capital Accounts LLS XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2017-03-23
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (OR)

ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NY)

I dont owe this amount my lease was up and I didnt renew it due to all the issues I had while living here such as windows seal shut a fire of the boiler a leak that cause a big hole in the laundry room that was never fixed I moved out and do not owe this amount NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$3300.00} Original Amount {$3300.00} Original Creditor XXXX XXXX XXXX ( XXXX ) Past Due {$3300.00}
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

I did a settlement with my Navient account through the collection agency XXXX XXXX XXXX. I paid the settlement and received confirmation that it was paid. 

Navient is refusing to send me a XXXX form which they are required to do by law. I need this form to file my taxes. Navient told me they are n't sending me the settlement form because I did n't pay a higher settlement amount, after I called their customer advocate department repeatedly requesting that they mail my XXXX. The collection agency agreed to my offer on Navients behalf, and confirmed that the settlement had been finalized. 

I have no problem with the collection agency. But Navient themselves have refused to give me my XXXX form by mail, and the reason they say they wo n't give it to me does n't make any sense. They said I should have paid more on my settlement. But they agreed to the settlement that their collection agency accepted from me on their behalf.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MI)

I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NJ)

On XX/XX/2020 i signed for a contract that was not a Truth in Lending contract. On XX/XX/2020 another contract was created without my consent and their was a electronic signature that I was never aware of. Also it doesnt disclose a proper finance charge, and the monthly terms that I was told to pay does not make sense. They spelled my name incorrectly, and next to the contract number where it says salesman, the information on was whited out. It says the loan amount is {$18000.00} and the monthly payment from the bank app says {$650.00} for 48 months so in total that would be {$31000.00}. I want to know where is the extra {$12000.00} coming from. I feel violated, their is fraud in this transaction. Also on the bottom of the photo which i attached i see XXXX XXXX name on there. I want to know what that is about.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (FL)

XX/XX/2022 I called Credit Karma to receive another refund they owe me. The 1st time I called the representative hung up on me. I called again & the Supervisor hung up on him when he saw that Credit Karma owes me {$76.00}. I received a credit on my account {$27.00} from XXXX which made my balance XXXX I spent {$2.00} which made my account XXXX The next day I received another XXXX for XXXX My account balance was XXXX Then I received unauthorized charges on my account for {$35.00}, {$7.00}, & {$19.00} which equals XXXX I was refunded XXXX They must have take the XXXX in my account for {$1.00}. 
Out of that balance {$64.00} I spent {$58.00} which left a balance of {$5.00}. So Im asking the Supervisor where is my XXXX He hung on me!!! Credit Karma needs to close there banking department.. They do not want to refund or listen to the consumer.. Theyre terrible!!!! I submitted my documents on how many times I called how long I stayed on the phone discussing my account just to get hung up on my a Supervisor. And I submitted my transactions.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC. (MN)

I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First Federal Credit Control, Inc. (OH)

FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

I can't deactivate my account on your site and you won't respond to tickets. Deactivate my account immediately and erase all of my personal data that you keep on your site and provide a confirmation once all my personal data on Binance XXXX is erased per XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (MD)

My wife passed away on XX/XX/XXXX and our monthly income had included her social security and pension income which have now been discontinued. My income has been reduced to less than half of what we had together while she was alive. I contacted Chase Bank on XX/XX/XXXX to explain my current financial situation and asked if they would adjust my 25 % interest rate so that I could continue to make payments on this account, reduce my monthly payment, and have more of the payment go towards principal. The balance is over {$6000.00} and they only offered me to settle the account if I could pay {$4700.00} within 90 days. I do not have that amount of money to settle the account. I want to do the right thing and continue to make payments, but I have always felt that 24.99 % interest is taking advantage of any borrower as I will never in my lifetime be able to repay the principle when most of the monthly payment goes towards interest.
Consumer complaint received 2016-01-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MN)

As a cosigner for my children the Credit reporting agencies have or keep reporting late payments when my son ( XXXX ) has reached agreement through Chapter XXXX Bankruptcy and my obligation as a Cosigner has been removed from these private loans through the fifth District court in Minnesota through a Stipulation of dismissal without Prejudice to the XXXX XXXX XXXX XXXX XXXX a XXXX. Another was filed in California since my son lives there.However, I have been unable to effectively contact the credit reporting agencies as they just are not interested. Please keep in mind that I 'm a XXXX permanately XXXX Veteran .My credit scores indicate I have missed payments relative to my sons school loans when ( in fact ) Navient is still posting and they do n't realize I do n't miss payments period on anything..the record speaks for itself!!!
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management sent me a collection notice in XXXX of XXXX. I wrote them a correspondence back explaining to them I do not owe this debt and to not contact me again, in any form. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX by certified mail. They then again sent me a correspondence In XXXX of XXXX, after I asked not to contact me again. I again sent a correspondence explaining I did not owe this debt and to not contact me again regarding this debt. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX via certified mail. Both times the letters were signed for by representatives of Midland Credit Management. On XXXX XXXX, XXXX, I again received a collection notice on the above referenced debt. I have sent a third correspondence again stating I do not owe this debt and to not contact me regarding this debt again. I have done this three times to no avail.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

Re : XXXX XXXX XXXX I have been working with HSBC Bank and their third party mortgage servicer, XXXX. I requested a Mortgage Modification when coming off a period of unemployment to remove my former Wifes name form the mortgage and was directed to apply for an Assumption and at one point was told by a Loss Mitigation Customer Service representative that I needed to go through the Assumption before the Modification. I submitted my Assumption package and  Quitclaim in XX/XX/2020 with a check made out to HSBC in the amount of {$2900.00}. At the beginning of XXXX, I was called by a XXXX representative and advised that the Assumption was not assumable and I would be receiving a check. I received a letter dated XX/XX/2020 stating the same with no check and no reference to a check. I sent an email to HSBC /  XXXX as directed on XX/XX/XXXX and XX/XX/XXXX asking for an update on my refund. I also called HSBC Loss mitigation ( Dovenmuehle ) on XX/XX/XXXX and XX/XX/XXXX. I was told I could not speak to anyone in the Assumption area ( I had asked for a supervisor ) and was directed to send another email. Dealing with HSBC / XXXX has been horrendous. It is well over 30 days and I am requesting your assistance with my refund. 
I have enclosed a copy of the HSBC Letter directing me to apply for an assumption, a copy of the cancelled check made out to HSBC as well as copied of my email communications.

Any assistance you can provide would be greatly appreciated.  Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.
Consumer complaint received 2024-01-12
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. (NY)

I noticed there are two fraudulent accounts that I did not authorize on my credit report that needs to be removed as this is impacting me negatively! Please fully investigate into these accounts and multiple fraudulent hard inquiries as well that are stated in the attached FTC report. I also attached my ID & SSN to verify my identity thank you.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ASTA FUNDING INC. (NV)

My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.