davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NV)

On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.
Consumer complaint received 2016-05-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

my forbearancea never updated correctly. proper paperwork never received no options were ever given to me to how to handle my situation. i am confused to where my accounts are half the navient accounts say one thing and then others say something else. this should n't be i navient updated all the loans i have with them.at the same time.. which is effecting my payment history
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SD)

I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

This is my third complaint since XX/XX/2016. Payments continue to be misapplied. I sent a check XX/XX/XXXX with specific instructions to payoff the XXXX higher interest loans with the Dept of Education. The payment was applied to the Federal loans which have over a 3 % lower interest rate. I called the advocate dept again and was told it would be fixed. Days later I called again to see why it had n't been fixed yet and was told it takes 7-10 business days and it would be fixed by XX/XX/XXXX ( that span was 13 business days ). The payment was reversed multiple times with errors up until XX/XX/XXXX where I think they are now done making adjustments. The misapplied payment from XX/XX/XXXX was not fixed. The adjusted payment originally applied XX/XX/XXXX now shows on XX/XX/XXXX. Not only am I being charged the difference in interest for those days between the DOE and Fed loans, I was also charged {$7.00} in interest on Dept of Educ loan XX/XX/XXXX that should have accrued only 25 days of interest since the payment ( last payment XXXX was {$5.00} to interest ). I have printed portions of my loans to accompany my claim. It does not cover the multitude of times I have to call, call again, and call some more to get my payments fixed over the last few years.
Consumer complaint received 2015-11-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NJ)

I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CO)

When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

I only want Ditech to modify the loan to mortgage only with auto pay. I was told in the last call that they ca n't change the terms on a service contract. ( It 's not a service contract since it has been sold three times to banks before they got it. ) But in the next mailing, they sent me a modification contract to go from 30 to 40 years for me to sign. Why would I sign that? I have sent 6 copies of the same letter asking for the mortgage only change on three different platforms ( fax, mail and website ). They have responded to none.I will not answer their calls because the verbal abuse you get is not how I will be treated. 
All I want is the same contract they sent with the 40 year change to change the service terms to mortgage only with auto pay. 
Thank you.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

My mortgage company keeps sending third parties to my house to do site inspections. I have contacted them via writing to let them know that we are currently living in the house. The company replied to me regarding my request to have them stop their site inspections. The letter dated XX/XX/2017 stated that " please note, inspections will continue as deemed necessary ''. The reason I asked them to stop is that our son suffers from chronic mental health conditions. When he sees strange people walking in our driveway and taking pictures it causes mental health distress for him. I also suffer from panic disorder and these actions are detrimental to my family 's well-being. My understanding is that as long as I am communicating with them stating that we still live there ( which I have been ) that there is no need to continue to inspect the property.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

After storm damage to the my residence at the insurance company XXXX XXXX, issued checks to restore the property damage. 
Since there is a mortgage on the property thru Ditech Financial LLC South Dakota. XXXX of the checks had XXXX names for endorsement, the homeowner and the mortgage co. 
We sent the check along with all the required paperwork that they asked for and have been waiting for the return check so the work can begin. 
After repeated calls about the status of the issue ... we feel like we are getting a run around ... because each time they come up with some other reason for not returning the money even when we state that more damage is ongoing with the lack of repair.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.
Consumer complaint received 2016-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (FL)

CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.
Consumer complaint received 2023-02-01
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My card citibank Mastercard was used fraudulently in XXXX. I disputed the charge three times with citibank providing documentation and proof that I was not in XXXX, nor I took the tour that was charged on my card. Citibank provided some documentation from vendor for somebody else. I answered asking them to at least read the charge that it was for another person. Citibank uses this fraudulent practice to send a letter back with no explanation, just that after their investigation the claim was denied. Their fraudulent practice is to get you tired until you might forget. 
I have talked to customer service and even have chats with customer service assuring me they will credit the fraudulent charge, then a month later I see the charge back on my credit card.