davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WI)

My original mortgage payment was {$1100.00} and was adjusted to {$1500.00} due to a shortfall in my escrow. It was discovered that Caliber paid taxes on two parcels one ending inXXXX and the other ending in XXXX. Parcel ending in XXXX does not belong to me. It is on record as belonging to me neighbor. Parcel ending in XXXX was paid by Caliber home loans in the amount of XXXX. As a result mortgage was increased to cover the escrow deficit. When I was contacted by Calibers debt collection agency for a late payment I took action to try and have the issue rectified. I had a research request in to remove the tax parcel that I do not own. After about 3 months the parcel was finally removed. Caliber home loans then readjusted my mortgage to {$1200.00}. Caliber home loans stated that I still owe the additional money that was dispersed for the wrong property tax. Every payment I made of the {$1100.00} each month did not cover the billed amount, due to not being the " complete '' amount it was put in a holding account until the entirety was paid of the increased billed amount. Causing me to have late payments every month. Caliber told me that I could dispute the late payments with the credit bureau but they would not adjust my payments to show that I was not late due to the fact that I did not pay their increased billed amount due to their error.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

I used XXXX XXXX to apply for this card because XXXX XXXX suggested it and my approval odds were good. And I was denied again for the 5th time. I have a good credit score and all accounts that I have are paid on time and paid and closed early. The excuse that they gave me for denying an account to me was my debt is too high. But it is student loan debt and I am still in school. They approved a XXXX XXXX that I know with more debt than me and a score lower than mine. Im starting to feel as if they are discriminating against me.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX
Consumer complaint received 2021-11-25
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. (MS)

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
Consumer complaint received 2020-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc. (MN)

I refinanced my student loans with CommonBond in XX/XX/XXXX and there was an overpayment upon payoff. A refund was issued by the prior servicer ( XXXX, a XXXX  company ) on XX/XX/XXXX but XXXX ( CommonBonds servicer ) continually tells me it has not been received that refund and that I should contact the prior servicer. This has created a continuous loop where I ask the prior servicer if the payment was sent and they confirm it was sent then XXXX tells me it hasnt received the funds and to follow up with the prior servicer. Ive done this 3 times now. No one can provide any answers or steps that need to be taken to resolve where these outstanding funds are located and when they will be applied to my account.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (LA)

GC Services Limited Partnership, XXXX XXXX XXXX, XXXX, TX XXXX, and myself made an agreement to pay a certain amount of money each month on an open credit card account that was in collection. I have made each payment prior to the due date to ensure that they would not start calling incessantly as they did prior to me answering ( as I do not usually answer numbers I do not know ). I made a payment for the month of XX/XX/XXXX on XX/XX/XXXX ( due date XX/XX/XXXX ). I received a letter from GC Services Limited Partnership dated XX/XX/XXXX titled " NOTICE OF MISSED PAYMENT. '' As I know this was untrue as I never miss this payment, I called them on XX/XX/XXXX. The woman who answered the phone stated that she had record that I had made payment prior to the due date on each occurrence. She stated that she was aware these letters went out and this occurred due to an " upgrade to XXXX XXXX XXXX. '' I never received a follow-up letter from them stating that this was done in error, although the representative clearly stated that they were aware this happened. I also pointed out to her, if the system was printing them in error, the humans that placed them in envelopes should have caught this and thrown the letters out. GC Services is attempting to collect additional payments by sending out these letters by alarming individuals who have made payments on time and per their agreements with GC Services.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (FL)

I had a call from this number from this number. I called the number back the individual said something, none of which I could hear or understand. The individual was rude when I kept saying hello as they were going so fast his respond was I am going. He did not say who they where and wanted me to verify my info which I refused as I did not know who I was talking to. individual then stated since I will not verify he will have to end the call. I did him the honor and ended the call.
Consumer complaint received 2022-02-14
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 (MI)

CAPITAL ONE BUSINESS XXXX XXXX : Granted approval on XX/XX/2022 Sent card out. I activated card. XXXX  XXXX  credit card by capital one. 
Then by XX/XX/2022 they closed the card. And ruined my credit. My credit dropped by XXXX points. Put cancelled by grantor on my credit report for all to see. 

So basically I just applied for a card to ruin my credit. I lost and lost. I had nothing to ever win. Did not get card but lost XXXX points and have a inquiry? WHO WOULD SIGN UP TO DO THAT. 
Asked to remove XXXX. They refused?
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Assistance Inc (AL)

This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (GA)

I have not received a bill or replacement card from this company and they continue to charge me late fees. I cant log into the account online because it says youre account is currently unavailable
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop
Consumer complaint received 2024-01-23
Product: Credit reporting 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. (MA)

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (AZ)

MY AUTO PAYMENT HAVE BEEN PAST DUE, EVERY MONTH, FOR THE PAST 6 MONTHS. I 'VE EXPLAINED TO XXXX XXXX THIS WAS DUE TO A UNFORESEEN DIVORCE AFTER 29 YEARS OF MARRIAGE. I AM STRUGGLING TO GET MY FINANCES IN ORDER, HOWEVER WELLS FARGO HAS BEEN OF LITTLE ASSISTANCE. THEY REFUSE TO WAIVE LATE FEES, THEY KEEP EXPLAINING HOW USELESS THEIR COMPANY POLICY IS REGARDING HELPING CONSUMERS IN MY PARTICULAR SITUATION. THEY HAVE THE ABILITY TO MOVES PAYMENT TO THE END OF CONSUMERS CONTRACT, THEREBY ALLOWING US MORE TIME TO ADJUST TO CHANGING FINANCES. THEY DID OFFER TO MOVE ONE PAYMENT, AT A FEE, TO THE END OF THE CONTRACT, UNFORTUNATELY, I NEEDED THEM TO MOVE ONE, WHICH SEEMED TO ME A COMPLETELY REASONABLY REQUEST CONSIDERING THE CIRCUMSTANCES AND THE FACT THAT I MAINTAINED A NEAR PERFECT PAY HISTORY OF AT LEAST 16 MONTHS, PRIOR TO THE DIVORCE.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Consumer complaint received 2017-10-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Worldwide Processing Group, LLC (FL)

I missed the call while at work, an went on break to return the call. Upon speaking with the first agent, he verified my information ( i.e name, last known address, and last XXXX of social security ). After answering yes, he spoke authoritative to state that I had a previous debt from a company I never heard of. When I stated to him that prior to my move and job loss, I paid off all payday loans. He laughed and said " Ma'am do n't waste my time '' if you do n't pay your bills I just need you to say that, and that you are n't going to pay this XXXX. He stated that his name was XXXX. when I stated that he was rude and would n't let me address that the loan he 'd referred to was not the originator, and I wanted more information. He interrupted me stated I was a low life and then hung up. I waited about XXXX minutes and called back. I then spoke with XXXX at ext XXXX. He also ask to verify my identity to continue their credibility. I asked if he had anything in writing to prove the debt, he stated that his company could not forward such information. I asked if the accepted payments via mail, he stated they only accepted payment via phone. I asked if he had the originating account information, as I did n't know of the name by which he referred the debt. He said " XXXX XXXX '' was the parent lending company, and they are demanding the outstanding balance. He stated that once the {$500.00} was paid with either credit card ( with the exception of XXXX XXXX, debit card or pre-paid card, would be the only letter I 'd receive with regards to the debt. Although he was more polite, i do n't believe the company and the debt is credible. I have gotten other loans, and this company appears to not be legitimate to me.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

On many occasions Navy Federal Credit Union has mailed threatening letter to my personal mailing address to contact my leadership and removed funds from my saving and checking account to pay delinquent credit card debit with my personal authorization. They have also locked me out my online banking account also access to my on check and debit card for days and even weeks at times using that to force me to pay delinquent charges on a credit with money I personally did n't have to advocate to that debt at the time. I have been told these are not correct practices of a financial institution by my legal counselor.
Consumer complaint received 2017-10-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CT)

I believe my loan with American Education Services is owned by XXXX XXXX. This is a loan that was taken out in 2004. I am now currently in school and have given them the information and they are still refusing to put me into deferment or forbearance. They raise my payment and interest rate every now and again too. I have attached some documents as well. I feel hopeless at this point and I have other student loans with a different servicer that are deferment. This is a small loan but it seems to give me the biggest problems.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I have notified Equifax on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tried many times to open online a CapitalOne 360 Checking XXXX XXXX XXXX Account on many days. 
I got always a ridicules error message " We are having a technical issue ... Sorry about that '' at the end of the application process. After that I sent an application to CapitalOne over USPS. In the mail I asked either to open a 360 Checking XXXX XXXX XXXX Account or to explain why it can not be opened. I did n't get any answer.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I'm writing my complaint to EXPERIAN about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (FL)

On XXXX/XXXX/XXXX, I terminated the lease on my XXXX XXXX XXXX, and returned the car to the dealer. I was informed that I was still responsible for 2 months lease payments totaling {$810.00}. I agreed to pay that amount to XXXX XXXX XXXX XXXX. 

Before I turned the car in to the dealer, XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX, Fl., I had it detailed. I made sure that there was not 1 scratch, mar, ding, dent or stain on the car. The car had XXXX miles on it, and the lease was for 30,000 miles. The tires had enough tread on them for an additional 25,000 miles. Two of the tires had actually been replace with new tires. Since I have seen the scam of " excessive wear fees '' before, I took over 30 pictures to be able to prove that this car, when returned to the dealer was in absolutely pristine condition and had no excess wear. 
The salesman that I bought the car and the dealers Lease Return Officer both inspected the car, and told me and my wife, that this car " looks like it just came out of our showroom, it is that good. ".
When I receive the bill for the 2 payments I owe, they also hit me for an additional {$1000.00} for " Excessive wear and tax ''.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo Home Morgage sent me a letter urged me to sign up for an optional product called XXXX XXXX Accident Plan. I told them I did n't want it but they signed me up anyway without my knowledge. My statement from them has been the same for years except the changes in escrow so I generally don, t check it too closely but this month I did and found out the charge for the insurance I didn, t want.I am only now checking my statement more closely because of all the bad press Well 's is getting. Thankyou for going after these still fraudulent banks. 










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Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$2800.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2015-05-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NE)

I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.