davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX EXPERAIN has failed to permanent remove accounts listed below. 

EXPERAIN has failed to remove inaccurate personal information from credit report.

EXPERAIN has failed to remove unauthorized inquires from my credit report. 

EXPERAIN HAS NOT PERMANENTLY DELETED AND REMOVED INACCURATE ACCOUNTS AND PERSONAL INFORMATION. 

EXPERAIN CONTINUES TO REMOVE DATA, PERSONAL INFORMATION AND ACCOUNTS AND THEN ENTER THEM BACK TO AN INCORRECT CREDIT REPORT. 

This complaint is being filed because Experian has ignored my request to provide me with the documents that their company has on file and used to verify or certify the accounts I have disputed. The alleged accounts in question have been formally disputed via certified mail and proof of service executed by registered process server. They have been provided with documentation that the alleged accounts are unverified and respondents of alleged accounts are in default for failing to respond or verify alleged accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " promptly delete all information which can not be verified. '' I have disputed the alleged accounts and provided all the necessary documentation i.e. default notices, proofs of service to alleged account respondents, U.S.P.S. Certified Mail receipts and U.S.P.S Return Receipts which contradicts Experians claim of Certification and/or " Verification ''. 

PLEASE SEE EXPERAIN REPORTS ATTACHED WHERE ACCOUNTS HAVE BEEN DELETED/REMOVED THEM " VERIFIED '' AT A LATER DATE. 

Please resolve this matter as soon as possible. 

Thank you.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (FL)

A few months I sent Waypoint Resource Group a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MA)

After receiving notice that my complaint about the amount of money due was substantiated I received a report of my mortgage and had more questions regarding the report. I emailed 2 separate departments at the mortgage company and got 2 different letters stating they were looking into this but have been waiting over 5 months. In the mean time I was not allowed to make payment on my loan because of the elapsed time on their correcting my account and notifying me of the change. They received an overpayment from me which they have sitting in escrow and they have given no credit to an entire payment which had been made on my behalf by a local charity. 
As of right now they are stating that I am 7 months behind and I also have questions about my report which still go unanswered. 
Did they ever apply my bankruptcy to my account? Why do I have so much " Unapplied '' funds, why have there continued to be legal fees added to m y account even during times of payment on the loan, and others? 
I feel they are currently dragging their feet and creating even more undue debt on my home. My credit is ruined because this institution as well as XXXX XXXX XXXX failed to report the payments I DID make so that I could refinance.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates, LLC. -they call my phone once per day, 7 days a week. Between the hours of XXXX XXXX-XXXX XXXX central. It's a automated call at first. When I answer, it takes approximately 15 seconds before a live person joins the line. They'll have people representing that their a law enforcement official. They use vulgar language and intimidation while on the phone. They never explain what the debt is for. Or for how much. They ask for personal information before being able to reveal the debt. They'll even call friends and family of mine harassing them.
Consumer complaint received 2023-03-09
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: Nelnet, Inc. (VA)

Here is a summary of what happened Account name FM/FIRSTMARK SERVICED TRUST Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of first mark or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I submitted a payment to Chase Bank of {$1100.00}. The payment covered the past due amounts from my XXXX and XXXX loan payments, as well as additional feea which I had accrued. I noticed on XX/XX/XXXX that the transaction had not been posted on to my auto loan account, even though Chase Bank had listed the payment as complete online. I sent my first inquiry about the payment on XX/XX/XXXX and my second inquiry on XX/XX/XXXX asking Chase Bank to post the transaction to my account. I received a generic response on XX/XX/XXXX, but the XX/XX/XXXX response confirmed in writing that my payment was received by Chase Bank. Customer service then sent my inquiry to the Auto Finance department who sent me a generic response. I had scheduled a payment of {$500.00} to pay off the remainder of My past due amount on XX/XX/XXXX. My car was repossessed on XX/XX/XXXX. When I called regarding the repossession, I was informed that I had not submitted a payment since XXXX, which was not true. I called again on XX/XX/XXXX when the XX/XX/XXXX payment was pulled from my account to receive the fax number that I could send my proof of the payments. I faxed that documented proof to Chase on XX/XX/XXXX, asking them to call me to confirm receipt of the fax. I included in the fax the written confirmation that Chase Bank sent me on XX/XX/XXXX that the first payment had been completed. I called on XX/XX/XXXX to confirm that the fax had been recieved and they informed me that the research department had started looking into the past transactions. When I asked what the process was going forward Chase then had me open a dispute into my repossession. On XX/XX/XXXX, Chase Bank refunded my payment of {$1100.00} thirty days after I submitted it. I called the collections department and was told that an account supervisor would call me since it was an open dispute. I have yet to receive that phone call. I also opened another inquiry into this issue to Chase Bank, who referred my case to a Senior Service Specialist on XX/XX/XXXX and said they would be in contact within 72 hours. I responded to that inquiry on XX/XX/XXXX asking for someone to contact me and I received a response that they would be in contact within 72 hours. The deadline of my repossession was XX/XX/XXXX and I have not received an update on the status of my dispute or if the deadline was extended while they review my dispute.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MI)

This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

Why does XXXX XXXX allowed to have companies that advertise and they endorse that say they can help you fix your credit by offering consolidation loans and then they tell you that unless you have a score of 700 or above they can't help you, in the mean time run a hard credit check and bring down your score more? 
I have gotten numerous emails, texts, and phone calls from companies endorsed by XXXX XXXX that just say that my score of XXXX prevents them from financing me. That unless I have a score of 700 or above that they can't help me.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc. (GA)

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party COLONIAL AUTO and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates COLONIAL AUTO claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. COLONIAL AUTO to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case COLONIAL AUTO failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing COLONIAL AUTO actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the LAWFUL holder of the note. It was no longer my debt once the note was transferred and sold to XXXX XXXX XXXX. COLONIAL AUTO can no longer make me pay the debt according the UCC and the INDENTURE AGREEMENT. THE note has been transferred and sold so many times. COLONIAL AUTO, XXXX XXXX XXXX, CAR-MART , AND XXXX XXXX XXXX XXXX XXXXs commiting FRAUD because they collect a percentage of each one of the notes to keep up the fraud. I request that the CFPB investigate this matter and take the appropriate action to ensure that COLONIAL AUTO ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the INDENTURE AGREEMENT. Also the rights of consumers against improper collection practices.
Consumer complaint received 2019-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing the following accounts due to my identity being compromised and misused to open accounts inwhich I did not authorize nor have any knowledge of. I recently demanding that the reporting credit agencies delete, block, and/ or remove these accounts immediately or submit to me certified physical contractual documentation to support their findings and rights in reporting such accounts .As an consumer protected by the rights of the FCRA and the FTC, I'm asking for my true credit report without these unauthorized accounts and inquires. I'm demanding the following accounts be removed immediately.. ( 1 ) XXXX XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX  XXXX XXXX {$5600.00}, ( 3 ) XXXX XXXX {$2800.00}, ( 4 ) XXXX XXXX XXXX {$1700.00}, ( 5 ) XXXX  XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX XXXX {$130.00}, ( 7 ) XXXX XXXX {$960.00}, ( 8 ) XXXX   {$690.00}, ( 9 ) XXXX XXXXXXXX XXXX ( {$680.00} ) ( 10 ) XXXX XXXX XXXX {$140.00}, ( 11 ) XXXX {$72.00}, ( 12 ) XXXX XXXX XXXX  {$71.00}, ( 13 ) XXXX XXXX {$680.00}
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC (MD)

Mariner Finance is a fraudulent loan service company. The Branch Manager XXXX XXXX commits : fraud, forgery, extortion and shady business practices. Mariner finance preys on unsuspecting poor victims and deceits them into high interest paying loans that most can not pay. Check their default records, it is over 80 % loan holders are in default. My elderly mother obtained a loan from them and they said they will charge her 5 % interest rate but after reading carefully between the lines, they put a clause in if she is late one payment, they are charging her 57 % rate and cited because of her age! That is also discrimination! I do not even know how that is possible. Mariner Finance needs to  investigated, especially the XXXX Branch. The branch manager XXXX XXXX forges peoples names and helps people who do not have ability to repay for loans qualify and obtain them. She uses fraudulent information and sends to loan company to obtain the funds. This is fraud and shady business practices. I also strongly believe that Mariner finance is  committing Tax fraud and personally XXXX XXXX is the ring leader. I strongly believe that Mariner finance needs to be investigated and XXXX XXXX needs to be STOPPED from harming peoples lives and drowning them in debt.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I've not gotten too far into this, however. Bank of America credit card. I believe this is my very first credit card to ATTEMPT to build credit PER their prompt, advertising, and suggestions. Then when I was unable to make the astronomical minimum payment there was no other options besides pay {$90.00} or more they immediately sent my account to collections IMMEDIATELY making my credit score tens of points lower AND setting me up for failure INSTEAD of the help offered. I've paid numerous different " debt collectors '' for this amount on and off a decade with the the card REMAINING at the maximum balance and not really being able to see my ORIGINAL credit being lowered or EVER seeing it reflect on my score. There is Documented attempts to resolve this debt from start to finish this debt, was not THEIR agenda to set my path towards credit success, yet within a matter of a couple years ravaged my pure and clean credit score. Punative damages, I've moved addresses as EVERY YOUNG aspiring adult. The physical mail never followed, but the calls and incessant debt collection. Student loans, mortgages, medical, life, car insurance, tuition ... The list won't end, Bank of America, you XXXX me at the jump of my life and you will hear me! The only way to follow me is my social security number. My phone, address, name and status have all changed. But your tactics preserved without appropriate accommodations, to situations YOU created
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (SC)

This regard to BB & T bank what bother me is that they hold my refund check from IRS because of get clear on check. Then when date of check told be release the bank then told me that it would release until next day due process system. The check hold for 7days, Another problem is that I have payroll deposit in checking account, because of thier process system my funds are not release to me until same day but XXXX that XXXX. Most bank release funds the same date not special time. I got wait until XXXX that XXXX to start paid my bills and bank will charge me overdraft fee due thier process sysytem. My money not release until XXXX when I got automatic money coming out account. This total a waste and way I feel that BB & T are taking money from me due to thier system process.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize these fraudulent inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Neither did I consent to them