davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

On XX/XX/2020, I wanted to do a fund transfer from my Way2Go card ( GoProgram ) to my XXXX checking account. I wanted to transfer {$5300.00} to my checking account, but I was not able to due to the option of Fund Transfer being unavailable. I proceeded to call the customer service number provided on the back of the card but I was only able to get a hold of the automated system. This system also did not provide any option for Fund Transfer or to speak to a representative so I may resolve the situation. The website and the card did not provide a way to resolve this. I hope to get some information on to take steps to resolve this issue.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough for you. 

The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collection notices from various different collectors saying I owe XXXX money. For years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX  and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. 

Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX XXXX name.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Moore Legal Group, LLC (NJ)

I have initiated a complaint on XXXX in reference to my debt settlement account for for my 8 payments of {$280.00} dollars for the eight months I made in payments in the program. I was promised that a portion of money would go to escrow and I was told when I had canceled that I have absolutely none in escrow which is why I left because they did not settle any of my debts and I have been working with them for a year. They promised me that within 6-9 months my accounts would start to be settled, I have missed a few payments which they assured me it was ok but that it would only make my program END date longer, not until the very end did a Meadowbrook rep explain to me that it would cost me upfront fees first before a settlement is reached. Unlike other competitors backed by federal guidelines which will actually reach a settlement before anything gets paid. I was being frauded for upfront fees without any representation of which they also assured me as I was getting sued by a creditor that they would. Last minute they told me I had to file my own response with the court, So I had called again and explained again that I just wanted my money back. I was told I had XXXX cents in escrow and they even robbed me of my last dime and emailed that I had XXXX dollars now in escrow. They manipulate, rob, lie, and also after filing a complaint on here, they made me get on a recording saying that the amount to be refunded was the draft amount that I had asked to be skipped five days before my last payment BECAUSE i contemplated on leaving them for their bad services and practice, and XXXX knowing I filed a complaint on my {$280.00} times 8 months to be refunded back manipulated me into thinking this had to do with a totally different complaint I made prior to opening this complaint up with the CFPB. They aught to be ashamed of themselves. I am sickened they can sleep at night.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, Inc Complaint They have asked me to verbally agree to payment plans over the phone but refuse to send me letters about the plan. They say I need to verbally say yes, then they will send me the packet.

This is not the first time, I have felt scammed from them.

I contacted them when COVID hit to ask for 2 month deferral, due to hardship. I have never missed a payment and I also had automatic payments set up. The women assured me that my payments would be deferred for 2 months and my monthly mortgage would resume and then SPS would work with me to reconcile the 2 months missed. 

Now they have no record of a deferral of payments, I am in now in forbearance mode and must come up with $ XXXX by XXXX. They have no record of any past conversation they " say '' however all calls have been recorded. 

They now have rolled in all these hidden fee 's when I have a letter stating that due to COVID they won't have hidden fee 's or % rates. This company is also the company that gave me a 7.8 % mortgage interest.

I definitely think someone needs to audit them.

As someone who owns companies, this company isn't honest or full of integrity at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

I had a loan with Hyundai Motor Finance, on XX/XX/2020 my 0 % loan payoff amount increased from {$13000.00} to {$14000.00} after a {$50.00} payment. The payoff amount should have lowered to {$13000.00}. This caused an over payment of {$470.00}. I noticed the error on XX/XX/2020 and have called over 15 times. I have spoken with many representatives, supervisors, and managers in which they all see the issue and claim to send information to their payment processing division. I even purchased a new car from XXXX XXXX XXXX they agreed that I was over charged by at least {$470.00} by Hyundai Motor Finance. The dealership called them directly as I was purchasing a new car and I did not want to fully pay off the load until this was addressed. However, after the dealer called on my behalf I was assured that once the loan was paid off that HMF would refund any overage. That did not happen so I again reached out to HMF. I called for the last time on  XX/XX/2020 and was told essentially I am out of luck as only the payment processing department can help and there is no way for me to contact them directly. The manager stated because I paid off the loan due to my trade in, all he sees is that the loan is satisfied and there is nothing he can do. This is extremely distressing and I am lucky enough to have caught the mistake as I am sure some people may have never caught it. However, no one with HMF Financing is able to address the issue. They even stopped  providing a payoff amount after I began complaining which makes it even more upsetting. Who knows how much money I am being overcharged.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

For the last couple of months i have been sending in an additional principal payment of {$10000.00} extra, and have clearly noted it by writing on the check Principal payment only, also wrote principal payment only on the statement slip and also wrote principal payment only on a separate note attached to the check. Both times the money is not allocated properly, first time it went to the escrow account, which I did not ask for. Next time they broke the payment up into 2 different transactions {$8400.00} on XXXX and {$1500.00} on XXXX and applied the money 10 days apart from each other even though I had sent 1 check for {$10000.00}, this causing me more interest on both times. I called the first time and ask what happen and they told me they don't know, I tried calling the second time and the answering machine stated they were too busy to answer the phones.
Consumer complaint received 2022-12-19
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. (NJ)

The following is a letter sent to XXXX XXXX XXXXXXXX : Mortgage XXXX : XXXX XX/XX/2022 Recently we received notices from the credit bureaus that XXXX XXXX  XXXX reported a past due balance on our mortgage loan. The amount noted as past due is {$130.00}. 
Our loan has been on a repayment plan for the past 4 months starting in XX/XX/2022 through XX/XX/2022 and have honored the plan paying {$580000.00} each of those months. Not once were we notified that {$130.00} was past due!! What is the past due amount for? 
This action by your institution has caused significant damage to each of our credit ratings. We would like to come into XXXX of your branches to speak to someone in person about this situation and find a solution to correct the error. XXXX XXXXXXXX and XXXX XXXX have not lived here for many years and have not been nor are they currently responsible for repaying this mortgage. To date your bank has refused to remove their name from the account. To reiterate your action to prematurely and incorrectly report us to the credit bureaus without just cause and without prior notification to us that any balance was due has had an immense damage to our credit reports that we have worked so hard to build up. Your immediate action on this matter is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Re : CFPB Case ID # XXXX submitted XX/XX/XXXX already closed by CFPB i am filing this new complaint because of Incomplete Response provided by Specialized Loan Servicing ( SLS ) to Request for Information dated XX/XX/XXXX submitted on my behalf by Atty XXXX XXXX XXXX I mailed the following letters dated XX/XX/XXXX & XX/XX/XXXX to SLS To : Ms. XXXX XXXX I D XXXX Customer Care Support SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX Dear Ms. XXXX, Your response dated XX/XX/XXXX to the Request for Information dated XX/XX/XXXX by Atty. XXXX was provided by XXXX/Atty XXXX to me. 
There were 7 items she requested from SLS. 
Kindly respond to the items you have not responded especially item # 4 about LOAN OWNERSHIP also provide the DATES of each Loan ownership transfer. 
Sincerely, XXXX XXXX XXXX Signed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX SLS loan # XXXX ~~~~~~~~~~ Dear Ms. XXXX XXXX I am resending this XXXX/XXXX/XXXX letter to you because I did not receive any response from you Sincerely, XXXX XXXX XXXX XX/XX/XXXX SLS loan # XXXX ~~~~~~~~~~~ XXXX XX/XX/XXXX SLS provided to CFPB copy of SLS letter dated XX/XX/XXXX from XXXX XXXX ID XXXX that SLS sent to me with the information that : XXXX XXXX was the Original Creditor Federal Home Loan is the Current Creditor SLS is a third party mortgage loan servicer ; servicing of the account was transferred to SLS on XX/XX/XXXX SLS also sent a copy of the recorded Assignment of Deed of Trust from XXXX XXXX XXXX to SLS. 

SLS & XXXX XXXX NEVER informed me of this Assignment of Deed of Trust dated XX/XX/XXXX until SLS sent to me the XX/XX/XXXX letter All the information that I received from both SLS & XXXX XXXX was the transfer of servicing from XXXX XXXX to SLS effective XX/XX/XXXX QUESTION remains : After the Deed of Trust dated XX/XX/XXXX was assigned to SLS from XXXX XXXX WHEN & WHO & HOW MANY MORE TIMES was the Deed of Trust transferred until it was assigned to Federal Home Loan, the  current creditor?
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with XXXX, and Experian only numerous calls and letters to correct, they will correct 1 but not all credit history in years incorrect balances incorrect on 5 or more accounts
Consumer complaint received 2020-09-01
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. (MD)

On XX/XX/2020, a dispute letter requiring Experian for two accounts. One for account XXXX XXXX and XXXX XXXX. As it is my right according to the FCRA, I required and demanded according to the law that Experian validate both reporting accounts. I required that they provide the contract bearing my signature the method of validation, along with the infomration of all individuals who validated this account and their method of validation. Experian sent back a letter stating that the information was validated. However, no such documentation or requested information was provided. I sent a follow up letter on XX/XX/2020 as a good faith effort asking them to follow up with the required documentation and information to validate this account. Experian again failed to send the requested validation information. On XX/XX/2020, I sent a final letter to Experian demanding the required documentation for the two above mentioned accounts. Again, Experian completed their investigation without providing the required documentation. 

According to the FCRA, all credit reporting agencies have 30 days to validate the account. If the accounts can not be validated and a contract binding me to this debt, bearing my signature is produced, the accounts must be deleted. I have provided Experian with an additional 60 days totaling 90 days to complete the dispute and legally provide all requested documentation. Experian has failed to comply and are now willfully breaking the law and reporting false and fraudulent information on my credit report. They are illegally damaging my character and credit reputation. 

At this point both disputed accounts MUST be deleted according to the law. Experian are well out of the 30 day window to properly validate these accounts and can not continue to illegally report these accounts. Experian must remove these accounts IMMEDIATELY before final legal actions are taken.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

For the second time in two months, USAA/XXXX  has failed to appropriately apply my payments. I made a payment on XX/XX/XXXX, using the USAA/XXXX  system, which ONLY allows me to make the current payment and either pay into additional principal or pay into additional escrow. I paid {$640.00} for the current mortgage payment and an additional principal payment ( CLEARLY MARKED IN THEIR SYSTEM ) of {$640.00}. FOR THE SECOND TIME IN AS MANY MONTHS, the mortgage company illegally applied the funds as an additional monthly payment, pretending NOT to understand what is meant ( in their own system ) by " Additional Principal ''.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (GA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included this information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated immediately! I have sent multiple letters, spoken to multiple representatives, sent documents requested such as the police report where is clearly shows my IDENTIFICATION WAS STOLEN! 

1. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 2. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature. 

Failing that, the item must be deleted from the report immediately. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

At this point I am prepared to take legal action against Experian! I will not allow you all to report another month of inaccurate information on my credit report! This is the FINAL warning!
Consumer complaint received 2020-08-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALTERRA GROUP, LLC (GA)

My realtor got in contact with XXXX XXXX XXXX to let her know I needed my credit score checked by XX/XX/2020 to prevent the hard check from lowering my score and instead have it be added to all the other credit checks I've ran to qualify for a mortgage. I submitted my application on XX/XX/2020 at XXXX XXXX and called Mrs. XXXX at XXXX. She immediately told me my score would be lowered regardless of when it was ran and also that she never received my application or even knew who I was. She was very rude and unwilling to explain anything to me. Her attitude was unnecessary and she made it seem like I was bothering her. I don't understand why she was not interested in hearing from a potential client. But I would like to report her.
Consumer complaint received 2020-09-01
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. (CA)

XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.