davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C. (KS)

Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2016-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I recently received several letters from a company called NAVIENT. the letters state that I now have student loans with them. I called to inquire using the account number on the letter. I asked what these loans were but the representative and supervisor could not validate these loans. they have no promissory note nor my correct date of birth. they asked me to send them copies of my social security card and drivers license. I do n't own these loans and I have no idea who or what this is about.
Consumer complaint received 2017-04-06
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NE)

The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.
Consumer complaint received 2021-07-02
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)

These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Complaint : ( XXXX  ) account # XXXX has violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

1. when I reported fraud on my card in XX/XX/2019, HSBC still charge late pay fee. 
2. HSBC admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

DITECH FINANCIAL LLC applied my payments for XXXX and XXXX to an incorrect account. It took 3 months for us to get them to correct the issue and apply the payment to the correct account. Now it seems they have reported us as 30 days late for the XXXX payment with the credit reporting agencies.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (OK)

I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (NH)

On XX/XX/XXXX I contacted XXXX, TX XXXX at approximately XXXX which Texas is behind me I believe 2 hours or so. I spoke with XXXX about an XXXX XXXX XXXX. 

Order of process : XX/XX/XXXX XXXX agreed to {$650.00} for XXXX liter with XXXX miles and {$200.00} for shipping totaling {$850.00} paid by Credit Card Citi XXXX Should either be shipped out Friday the XXXX or Monday the XX/XX/XXXX. Currently waiting for email reply with receipt and bol or tracking number. 

By XX/XX/XXXX I still had not received any confirmation email of any kind. No receipt, tracking or BOL. So I tried to call XXXX and on the other end a greeting asking you to enter the parties extension, no company greeting like welcome to XXXX just a generic recording to enter an extension. I tried for a few hours and at that point realized that there was no way for me to get in touch with this company. 

I then contacted Citi Bank XXXX and open a dispute and closed out that account. I told them the same story and the investigation went on for 3 months and twice Citi reversed the charge back to me. I would contact them and they would then reopen the case. Now they say that they have exhausted their efforts and the merchant states that I refused the engine. Not true the dispute opened on XX/XX/XXXX and without my knowledge tried to deliver the engine on a tractor trailer without a lift gate to my mechanic. At this point the order from XX/XX/XXXX had already been in dispute 6 - 7 days. So no, the engine was refused for two reasons 1. disputed 2. no lift gate either way this was a mutt point. 

The merchant ( XXXX ) was suppose to email me a receipt and tracking information, which they never did. They were also suppose to make sure the truck delivering it had a lift gate since the shop it was going to did not have a fork lift. Since I never received and email correspondence even though I did email them in the beginning and they did get it and it never bounced back so you know they had the email address 1. I gave it to XXXX and 2. I emailed him asking for a picture. 
XX/XX/XXXX five days go by and no email confirmation. So on the XX/XX/XXXX I opened a case against XXXX and closed my account and was reissued a new credit card with a new number. 

XX/XX/XXXX I received a voicemail from the shop where the engine was suppose to be delivered to stating that there was an engine on a tractor trailer without a lift gate for me and he had thought I had already canceled this and even if I had not he had no way of getting it off the truck ( no lift gate ). 

Now the credit card company CiTi Bank says that I refused it and that is why they are charging it back to me. Not true, dispute was started 6 or 7 days before they tried to deliver it. It 's not my fault that I could not get in touch with via phone since their phone only had a recording to enter an extension?? 

This is an {$850.00} charge and Citi Bank does not seem to care that they are making me pay for something I never received.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (AZ)

I had a credit card through US Bank. I contacted the credit card company after paying off the full amount on the card. I then contacted US Bank directly to make sure that there were no issues and that the card was paid in full and that I would never have to hear from them again, because I am fed up with their business tactics. I made the payment of the full amount due on XXXX/XXXX/2017, the payment posted on XXXX/XXXX/2017. Today XXXX/XXXX/2017 i got an email from US Bank saying that I now owed them {$24.00}. I called them right away to find out why. The CSA told me it is for interest on cash advances. I said how can you charge me interest on an credit card that I have paid off in full, verified with US Bank that it has been paid in full, and has been closed? She tried to tell me that interest is accrued daily for cash advances. I told her that was wrong because everything was verified as having been paid in full and the account has been closed, I insisted that interest can not be charge on a closed account that has been paid in full. She continued to regurgitated talking point about company policy. So I interrupted her and said she needed to do something because I am NOT paying a bill on a closed account, especially when these fees have been added AFTER account was paid in full and verified as being so, AND has been closed. She said she could do a " one time '' courtesy refund of the fees. I said " what do you mean on time ''? I said this account is closed and if you continue to bill me you will refund the money every time! She said i will probably receive a more statements with amounts due on them. This is very shady! I have a high school friend that states her daughter is having similar problems with US Bank! US Bank has never been customer friendly, and after utilizing there services for 10 years, i moved my account to a credit union. When I closed my US Bank account the teller asked me why I was closing them, I told her that there is ZERO benefit to me having my money in US Bank. She just shrugged her shoulders and thanked me. 
That seems to be their whole attitude. 
I worked my XXXX off to pay off this credit card and US Bank just keep trying to XXXX me dry!
Consumer complaint received 2016-11-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (SC)

We were turned down for a loan by Ally Bank for an RV. 
Our credit score was over 800, we own our home, and never missed a payment. 
I suspect age discrimination. We are retired. 

Another lender approved our loan.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017, by certified mail in order to dispute information, in regards to 4 hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017, and they completed the request on XX/XX/2017. The request that I submitted included 4 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I have student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!
Consumer complaint received 2021-03-19
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. (NC)

XXXX XXXX XXXX is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This information is on my Credit report. XXXX Docket # XXXX File Date XXXX Released date XXXX Amount {$530.00}. This is all the information that I have, I know nothing about this debt and would like it removed from my Credit Report. I do not have any documents regarding this because I have not lived in Indiana since 2010. I have nothing with this information regarding this debt. I have searched Indiana State wide data base, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information is not in any of their systems.
Consumer complaint received 2017-04-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Selene Finance LP (GA)

In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.