davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (CA)

Upon reviewing my finances I checked my annual credit report and to my surprise I found an error on my file. I paid XXXX credit card wherein they failed to process my payment in a timely manner causing me a 30-day late payment. I even inquired with a customer service rep by the name XXXX agent ID XXXX, to see if I could be helped in making automatic payments and he said that he could not help me and proceeded to transfer me to a different department. Every time I called I would get transferred and their line continued hanging up. It's very hard for me to work with this company when they have their system does not work properly. I've always made on-time payments and I overwhelmed now and don't know what to do. I'm now contact the CFPB to help me correct this issue as it's causing me financial strain.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Conduent Incorporated (GA)

Everytime I call I'm automatically directed to Fraud Department or Fraud Prevention. I have a prepaid card that was ordered on XXXX I never got the card I called to have a second card expedited it never came and a tracking number is not provided now these people want to order a new card and says now I need to send photo ID no one ever gave me instructions on how to send
Consumer complaint received 2019-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

Receive a letter on XX/XX/19 from SCA credit services of XXXX case number XXXX. 

Called today at XXXX to explain that I never received a bill from XXXX. 
She said that they typically send out three notices. But that she did not have proof of the dep and that is was not her job to provide proof of the dept.

I requested the original bill or proof of a bill, She said she would mark the account as client refused to pay. She told me to contact the post office.

I told her I would pay as soon as I could review the original bill and proof of the dept, She refused to take this note and would not provide proof of the dept.

She hung up on the call after refusing to provide proof or to take a note for the record that the bill was never received.
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I had countously time called and talked to Navient about them helping me start a repayment plan that will be affordable for me. After speaking with them I told them to help generate a report for me to see so I can see it in detail but I never recovers anything. So when I tried to connect with them again regarding the report and the repayment program, they kept saying that they will have something for me in the next few days. Then when I saw the new payment reflected my account I had to pay, it was more than what it was the first time theyre charging me. Furthermore, I reapplied for the repayment plan and then all of sudden they came up with XXXX dollars for me to pay so I went and go ahead and paid for the first two months now and when I looked at my account history he two months Ive been paying for was only Going towards the interest to the organization and not even towards my principle I took out. Im very frustrated and I need your help to demand them to stop my loan. Its something I can not trust them with anymore. Please contact help me with what you can. Thanks you!
Consumer complaint received 2019-02-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX / XXXX is reporting my student loan account information inaccurately. XXXX. of XXXX / XXXX is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with XXXX several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have XXXX send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX / XXXX should be reporting {$0.00} or Forbearance or Deferred.
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MD)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (CA)

I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. 
The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. 
The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. 
The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). 
The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the account.
Consumer complaint received 2019-02-18
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. (NV)

Hello CFPB, Over the weekend I found that Transunion was reporting a collection for a XXXX XXXX XXXX XXXX.I have never received anything from a business by this name and have no issues with a " XXXX Hospital ''.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In 2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX  chose to forgive the debt and I was sent a XXXX. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

In 2016, my account with Discover Card was closed for default. Rather than sending the account to collections, Discover chose to forgive the debt and I was sent a XXXX As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, Discover continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (CA)

I have 3 loans with Loan Depot, I always use XXXX  and XXXX XXXX XXXXXXXX online bill pay to pay all 3 mortgages same day, Loan Depot charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used XXXX XXXX XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, XXXX mailed checks to loan deport typically very quickly. I had 2 late fees from Loan Depot, after I talked to Loan Depot, they waived those fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. 

XXXX XXXX XXXX, I used XXXX XXXX XXXXXXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, Loan Depot charged me 5 late fees ( {$290.00} XXXX ) so far, I called them, Loan Depot agreed to waive 2 late fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. They still keep 3 late fees, they said XXXX mailed those 3 checks late, I called XXXX XXXXXX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX pm, after listening to music 32 minutes, the customer service rep XXXX XXXX employee ID XXXX ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, XXXX online banking showed payment clear XX/XX/XXXX, met Loan depot payment deadline, they shall not charge me late fee, they shall waive it. 
I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee I requested XXXX online bill pay XX/XX/XXXXXXXX XXXX  mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee XX/XX/XXXX, Loan Depot offered me the option to pay from Loan Depot online account which will complete payment within 1 biz day. From now on, I will stop using XXXX online bill pay, and only pay from Loan Depot online account, to avoid future headache.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I am a new HomeOwner, my loan was transferred to US Bank after initial loan origination by XXXX XXXX My payment for the first year was {$1700.00}. I'm assuming that all estimates were based on appraisal value of the home + average taxes for homes in the area. 

I have received a bill for an escrow shortage of {$8100.00} from US BANK to be paid over the next 12 months. Paired with the new amount I have to pay to cover the new charges in 2023, our mortgage is scheduled to go up to $ XXXX. This is UNAFFORDABLE! If I would've know this ( my fault for not doing enough research ) I would've paid a little bit extra every month to ensure the Escrow wasn't short, especially by this substantial amount of money. 

Even if I pay the full shortage, the mortgage is going to go up to $ XXXX. 

I have to ask, where did US Bank fail in recognizing this shortage? I don't have the money to pay an additional {$1300.00} a month in mortgage, we barely make it as it is. We are desperate here for help, and we don't know what to do, as my wife stays home to take care of our children, one who has XXXX.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Finance LLC (DE)

I don't know where to begin. This complainant is about is about a XXXX XXXX  company they call American Finance. I got my credit report back on the complaint I have been complaining about showing proof that this company was charging me XXXX every two weeks for 14 months so the total I paid was {$6100.00} Dollars towards this loan once I submit my credit report you going to see that they said I only made {$3300.00} dollars towards the loan how can I only made {$3300.00} dollars towards the loan if I was paying {$220.00} every two weeks since XX/XX/XXXX and the last payment was made on XX/XX/XXXX Remind you in the 1st complaint and showed proof that they they gave me a 1 year tag the expired on XX/XX/XXXX that's when i was calling trying to get my tags and they refuse to give me my tags and they lied and said that they never charged me for tags and then I sent in proof that they in fact charged me for a two year tag and only gave me one and never gave me my tags so that's why I made the last payment on XX/XX/XXXX Because they refused to give me tags and I wasn't paying until I got them and they repose the car now in the Credit report says that terms left on the loan was 16 months so once again I showed proof that I was paying every 2 weeks so how can I be late and they reported to the credit company that I was late then it states that it was for a 29 month loan when the contract I proved showed it was for 60 months and they reword it as payments to make it 30 months because I pay every 2 weeks the like the same as 13 months payments 26 weeks which make it a 29 month the proof I sent in can show that they falsified document and that's why they tell people of color when we take your people to court we always win. They not reporting that they charged this guy for a 2 year tag making him pay interest on itXXXX and never gave him his tags but we still going to repose it cause we didn't live up to our contract but we made him. like I stated in my complaint before and lied to me and said they have they own insurance but in fact it was debit cancellation and now you guys believe me that this company do nothing but lie and mislead and do unfair trade practices customer when I prove the email sating that they never charged me for tags and contract say they did will somebody believe me that this company lie to there consumers and run a Ponzi scams with Car dealerships I paid online so I got every payment history so where did the money go if I only paid {$3300.00} towards the loan when my payment say I paid {$6100.00} every 2 weeks @ {$220.00} but they say the loan was only for {$9700.00} dollars but I showed proof in this complaint last complaint that the loan was for {$13000.00} there's funds missing and they didn't know what happened to it and they reporting information and pocket the rest of the money Because of my Credit Report and personal information like SS # the proof will be mailed in
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United Acceptance Inc. (FL)

purchased a XXXX  XXXX XXXX paid it off 2   weeks early they told me United Acceptance Inc that my title would be here in 10 business days it has been 5 weeks no title am starting to get worried they ripped me off .Because I first bought the car from a car dealer and financed The Loan in house From a car dealer who sold my loan to these people after he ripped me off to hide it now they wont give me my title .so I want to open an investigation on both Companies from the start of the contract .The First Company is XXXX XXXX XXXX XXXX At XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX And the Second Company is United Acceptance Inc At XXXX XXXX XXXX XXXX XXXX Ga XXXX Thank You.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX