davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Acceptance Corporation (TX)

Affiliated Acceptance Company has listed a inaccurate debt on my credit report stating that I owe {$10000.00} dollars for a debt that they have never verified. I have asked them to send me verification that I have a contract with them showing my signature and in response I receive a billing statement. I know under the Fair Debt Collection Practice Act a billing statement can not be used to verify debt that the collector actually has to prove that you have a binding contract with them. I also verified that Affiliated Acceptance Company do not have a surety bond in Texas which also make it illegal for them to try and collect on a debt or pursue any debt collection activities. I also have proof that under the Texas Debt Practice Act this company has violated penal code 392.101. Which states '' Texas Fair Debt Collection Practices Act 392.101. BOND REQUIREMENT. 

( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

From XXXX XXXX XXXX University and the University XXXX XXXX XXXX, I took student loans out in the years XXXX to XXXX for my degree, XXXX XXXX XXXX, in the amount of {$70000.00}. 

I have been trying to pay these loans off for 11 years and have been unable to because of Navient 's unlawful practice. I now owe over {$88000.00} while I have paid over {$10000.00}. 

For so many years I was unable to make payments because of Navient 's unlawful business practices and how they required me to overpay for student loans. 

For example, they wanted over {$1100.00} per monthly payment. I explained I could not pay them that, but that I could pay them {$450.00} per month. They would not accept lower payments and said I could not make them. 

They will not take lower payments that I can afford, so instead I am forced into applying for deferments or forebarance. 

So here it is, 11 years later, and I am in a worse financial situation than before I took my loans and earned my degree. I have applied to hundreds of jobs, but can not get a job with my degree because I have no teaching credential and am not a licensed teacher. So many jobs I applied to told me they would not hire me because I did not have enough teaching experience in my field and I did not have teaching credentials or license. 

This has decreased my quality of life. I can not afford a new car. I am still driving a car that is 18 years old and another car that is 10 years old. They are falling apart and need to replaced, but the burden of these loans is too much. We have had to repair the rusted out leaking transmission fluid lines, rusted gas filters, etc. etc. 

Please help relieve this burden! 

The university should have never admitted me into my program of study because I did not meet their admission requirements - not enough teaching experience and no teaching credentials or license! 

I have not been able to benefit from this loan. It has hurt me and I wish I never went through all the struggle and study to earn my XXXX of XXXX. 

Please help! A XXXX year old with a worthless degree and almost {$90000.00} in debt for over 11 years.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a Fifth Third Bank promotion to open a checking or savings account with the following rules to qualify on the offer I received for the checking account : 1. To  receive the {$250.00} promotion, customer must open a new 5/3 checking account, reach a balance of {$250.00} within 45 days of the account opening and maintain the balance for 45 days from the date of the balance required is reached. 

When I took my son in this morning to open his first checking account ( XX/XX/XXXX ) the personal banker told me that I also have to sustain a {$1500.00} balance between checking and savings. Nowhere on the promotional card I have does it say this. When I pointed that out to the banker and said this is a lure to get people in the door, she said yes it is! 

I still have the promotion card with the offer code XXXX
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We have a XXXX credit card through Bank of America ending in XXXX. The card has the ability to transfer balances from other cards and have a 0 % interest for about a 12 month period of time. The balance if it is not paid off will then be subject to interest if that balance that was deferred is not paid off by a set date. We have come to find out that when we make payments now to the card because a portion of that original balance has come due because the 12 month period has expired ; when we go to make a payment, the Bank IS NOT paying off the higher interest balance assessed against card. It is in fact splitting the payment so that half goes to a lower interest or deferred amount and half goes to the higher interest amount. So, what the Bank is doing is manipulating the card to their favor so that the high interest balance continues to be present even though substantial payments are being made towards the card. They are loading the higher interest bearing portion in their favor so the consumer will then be assessed the higher interest balance for a longer period of time thus manipulating the card to their favor. For example, other deferred interest cards always have the payments paying off the oldest portion of the balance so the consumer does not incur severe accumulated interest penalties. Not this Bank and not this card. It is designed to keep the balance associated with the high interest active for the longest period possible so the consumer is leveraged with the highest possible interest. This is an unfair practice and highly deceptive. The significant payments being made should be going to the balance portion associated with the highest interest first. The Bank has twisted the payment to their favor. This is wrong and I certainly did not understand this to be the case when the card was opened or when I have had extensive conversations with the Bank customer service.
Consumer complaint received 2018-07-16
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. (OH)

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.
Consumer complaint received 2018-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My prior claim numberXXXX Well to start again I finally got a bill like normal companys send. The statement does show what you show pay them. It does not show payment or mortgage balance. How cam a company you pay XXXX $ per month and show nothing. Maybe the need some better management. They will not tell me who they pay my money too. They have not got my harp payment either. They had a lien put on our home because they never made a proper payment. They paidXXXX however the missed a payment somehow and due last XXXX XXXX.i told and sent the papers in XXXX. So the money owed is costing me because of late charges. I also want the lein taken off our home.can someone tell me why does a mortgage company need you to send your money to another company to pay your mortgage. Who is paying for that. The mortgage company that I dont even XXXX who they are. I cant believe this XXXX. I never had a problem with any company like this slip share company. They cant be doing this to just me. They need to be put out of business. Thank you
Consumer complaint received 2018-07-15
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: EQUIFAX, INC. (FL)

I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BUDGET CONTROL SERVICES, INC. (CO)

I received a phone call on my cell from Budget Control Services and did not answer because I was at work. I then received a phone call and voicemail on my recorded work line from the same person, XXXX XXXX, asking me to call back regarding an account. Thinking it was regarding an account that I work with, I called her back from my work number and then she proceeded to tell me about the debt that I owe for {$460.00}. Since the line is recorded, I hung up immediately because I did not want my employer to know my personal business. She then called back my work number twice, and both times I didnt answer. Sometime the week of XX/XX/XXXX she called my cell phone, which I answered, and she said that shes been trying to reach me and I hung up on her. I explained that she was calling my place of employment and to remove the number and never call it again. She proceeded to say that I had called her back from that number so she called it again. I again told her to remove the number and stop calling. She was unprofessional so I hung up again. She then called my husband and threatened to put his name on the account and start credit reporting if he didnt make a payment. He set up one payment with her, which was made on XX/XX/XXXX. On XX/XX/XXXX, the receptionist called me on my work line and said that a XXXX XXXX was asking for me. Irritated because I asked her to stop calling, I said transfer it to my work voicemail, which she did. She then called the receptionist back and said she got my voicemail and that she wanted to talk with me. The receptionist explained that I was either on the phone or in a meeting. XXXX XXXX then proceeded to say she didnt realize she called my place of employment and wound just call my husband for payment.
Consumer complaint received 2018-07-15
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. (TX)

Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
Consumer complaint received 2018-07-14
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: Experian Information Solutions Inc. (IL)

Im writing in regards to XXXX XXXX XXXX XXXX account # XXXX Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Consumer complaint received 2018-07-15
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: U.S. BANCORP (WI)

On XX/XX/2018 - I received an email from US Bank that my account was in fact in good standing and the errors with all 3 bureaus have been updated. As of today - XX/XX/XXXX - two bureaus ( XXXX and XXXX ) are both reporting that I have negative past due payments. As stated originally, these past due charges were from Fraud on the account, and they were taken care of and agreed to be fraud. This has been an ongoing issue for over a year now.
Consumer complaint received 2023-05-08
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. (DE)

I have an auto loan from XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-07-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have been a mortgage customer of Wells Fargo since they took over XXXX XXXX approximately 16 years ago. I have been in my home for over 20 years and have never been late with payments. I continued to pay PMI and was still at 7 % interest. Friends who are mortgage underwriters, told me to contact Wells Fargo and ask two things ( in this order ) : 1 ) can the PMI be stopped and can I get a refund on some of those payments, and 2 ) can I  refinance to a streamline mortgage where there is no credit check, appraisal, or closing costs needed. 

I contacted Wells Fargo on XX/XX/2018 asking for the PMI reduction/refund. That was denied. The first person I talked with was XXXX XXXX. 

I then asked about refinancing to a streamline mortgage. I completed the on-line application and was denied on XX/XX/2018 due to my credit score. But then I received XXXX documents from Wells Fargo to sign, which included a promissory note. They were refinancing my mortgage ; however, it was for another 30 years, not the 10 I asked for. Also they were charging me over {$4000.00} in closing costs, which included an appraisal. 

After this, I talked to numerous Wells Fargo representatives regarding that this was to be a STREAMLINE loan, with no closing costs, credit checks, appraisal, etc. I also received numerous emails and phone calls from representatives saying they are just touching base and will get an answer to me shortly. My latest correspondence from them is in letter form dated XX/XX/2018. 
Since, I have refinanced with another local bank. My needs were met ( exceeded ) by them ( no credit check, no appraisal, no closing costs ). 

I feel that I was not being given a product I requested and being pacified with all the correspondence with no answers. 

My home value is {$110000.00} and I owed {$45000.00}. That is over 60 % equity. 

Because of the standoff, interest rates rose and I am paying .5 % more than when this started. 

Also, during the process with my local bank, I made another payment to Wells Fargo. When I received notice of payoff from them, they said if I am due a refund, it will be deposited into the escrow account. This is totally unacceptable - I want a check sent to me!
Consumer complaint received 2018-07-15
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. (TN)

This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Consumer complaint received 2018-07-15
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. (TX)

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX XXXX XXXX I HAVE SENT IN CERTIFIED LETTERS DATING BACK MONTHS AGO NOTIFYING EXPERIAN THAT MY IDENTITY WAS STOLEN AND THAT I A FEW ACCOUNT HAD BEEN OPENED ON BEHALF OF THAT AND THEY HAVE FAILED TO REMOVE THESE ACCOUNTS AS FOLLOW. I HAVE NEVER DONE BUSINESS NOR HAVE NEVER SEEN THESE ACCOUNT S BEFORE IN MY LIFE AND IM TRYING TO SORT OUT WHY ARE THEY FRAUDULENTLY REPORTING ON MY CREDIT REPORT WITH MY AUTHORIZATION. I'VE ASKED EXPERIAN TO SHOW ME THEIR DETAILED PROCESS OF VERIFYING AND VAILDATING ACCOUNTS METHOD? STILL NO ANSWER ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND FORGERY.SEND AN UPDATED COPY OF MY CREDIT REPORT ONCE ALL ITEMS HAVE BEEN REMOVED.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

This is the second time that I have had to open a complaint with CFPB on USAA. 
Last month, I complained to you about REPEATED unauthorized charges to my USAA card, and I wanted the account CLOSED. After sending HOURS on the phone with their incompetent staff, I was unable to get the account closed. 
After asking you to help, a USAA rep called me to assure me that the account was closed. 
Today, USAA sent me a bill ( XXXX balance ) on account XXXX XXXX XXXX XXXX. 
Evidently, they have NOT closed this account.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (WA)

I recently discovered an account reporting on my credit report that I didn't know of for a cell phone contract in the amount of {$400.00}. No attempt was made to contact me in regards to the debt and the collection is inaccurate
Consumer complaint received 2018-07-14
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. (TN)

I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phelan Hallinan Diamond & Jones, PC (NJ)

A Court documents Docket # XXXX XXXX  Civil Action Summons was delivered at our home from the Debt Collector name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Ph XXXX.  

Documents is about the debt against property XXXX XXXX XXXX XXXX  NJ XXXX  for which I have no knowledge and never purchased or signed any documents. After the receipt of the letter I called the debt collector and explained that my name and address is picked without their proper verification. There are thousands of people with same name in USA. Official written letter was sent about this and requested to remove our name and address from this case. Court official was notified about that also.

Even after my phone request and written letter they have ignored the fact and replied me with another threatening letter signed by XXXX XXXX XXXX.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

I have reached out numerous times that this account does not belong to me and now I am being ask to file a police report just to get this removed from my account. I feel like this makes no sense why should I have to do so much on my end for something that I shouldnt even have to deal with because of something that shouldnt even be on my credit report. 

Account that is charging me {$420.00}