davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DataMax Corporation (NC)

This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.
Consumer complaint received 2018-06-15
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. (CA)

I have sent letters directly to Experian certified mail stating that information on my credit profile needs to be verified or deleted from my profile. They have failed to verify the info and still continues to report.
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (MA)

I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX
Consumer complaint received 2017-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AL)

Recently I fell behind in my mortgage payments XXXX XXXX XXXX XXXX XXXX but Fay Servicing sent me a letter stating that I am XXXX months behind and bc I am in bankruptcy XXXX XXXX XXXX XXXX the automatic stay will be lifted if back payments are not paid in full by XXXX/XXXX/XXXX in the amount of XXXX  money I do not have nor do I owe as much this last year has been difficult for me due to unexpected expenses out of my control also losing time off my job. I can afford to pay my mortgage and I want my home. I am now seeking a loan Modification from Fay Servicing. It seems as though they anxiously want to foreclose on my home and that is their only goal. So unfair.
Consumer complaint received 2018-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX  XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-06-15
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ONEMAIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/.
Consumer complaint received 2018-06-15
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. (CA)

Dear sir or Madam : I am writing to complaint about EXPERIAN CONSUMER FRAUD ASSISTANCE, XXXX XXXX XXXXXXXX, XXXX Texas. XXXX. 

I disputed items that were fraudulent on my credit report. I sent notarized letters with evidence and documentation that these items are not mine. And they have not remove them from my credit report. 

The last report from Experian was received on XX/XX/2018. Report number XXXX.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have contacted Capital One asking for their help as I want to close the card, stop the interest and fee charges so that I can pay the card off sooner. They refused to do this, insisting that I make their determined minimum payments and still incur interest and fees. At this rate, I will only be paying off the interest and never touch the principal. They were happy to give me the card and now that I need their help to make the payments so that I can get my credit score up and finish paying the card, they do not want to help. I am also trying to link the card to XXXX XXXX so that the payments that I am making are showing and building my credit score. Capital One has blocked this so they can determine my credit score and not be truthful about how much and when my payments are made. Not fair!
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AL)

This collection agency has reported to all three credit bureaus of debt I do not owe. I sent out a debt validation letter to validate this debt and I have not received anything from Waypoint Resource Group. I want this debt removed from all three credit bureaus until they send me a validation letter to validate I owe the alleged debt. If they can not validate this debt again remove from all three reporting credit as it is effecting my credit worthiness.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my visa credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX   XXXX  and XXXX
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.
Consumer complaint received 2018-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am for the third time asking for assistance in ending the harassment of still another mortgage agency. 
This same mortgage company is currently being forced through settlement, to correct other actions against its customers. 
I was pushed and my account brought by Select Portfolio Servicing , Inc. as a third or maybe even a fourth company that, instead of the previous mortgage company correcting the errors, forced my account into another of the circle of loan sharks. 
Time line : I was previously forced to pay over {$1900.00} by XX/XX/XXXX to XXXX and they were supposed to mark my account current. I requested help from CFPB then. 
Instead of marking my account current they sold my account to Select Portfolio Servicing , Inc. ( after receiving the forced payment of over {$1900.00} sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX as requested on the letter ) I paid another {$1000.00} in XX/XX/XXXX and XX/XX/XXXX ( I continuously paid monthly over the {$930.00} amount required ). 
I received the transfer letter that my account would be transferred with the first payment to be made in XX/XX/XXXX. 
Although I spoke with the new company ( Select Portfolio Servicing , Inc. ), and they reassured me that the same harassment would not happen again. THEY DID THE SAME THING. 
I was transferred in XX/XX/XXXX and already paid XXXX the {$1900.00} to become current per their letter. The account was, instead of marked current, sold to Select Portfolio Servicing , Inc. after my last payment in XX/XX/XXXX of {$1000.00} and with an unapplied amount of {$290.00} still left in my XXXX account. 
As of XX/XX/XXXX, after receiving the transfer letter, I paid Select Portfolio Servicing , Inc. {$640.00} as requested because the representative combined the {$290.00} from XXXX in my unapplied funds account to make a complete first payment of {$930.00}. 
I have made every payment on every month since that time so HOW IS IT THAT SELECT PORTFOLIO SERVICING, INC. PLACED MY ACCOUNT LATE/DELINQUENT TWO PAYMENTS AND CHARGING MY ACCOUNT CONTINUOUS LATE FEES TOTALING {$950.00} I WAS CHARGED A LATE FEE OF {$390.00} ON THE DATE I MADE THE FIRST PAYMENT. 
I made a payment in full every month since being pushed into this company. 
I just recently received a letter letting me know about a settlement which was reached against Select Portfolio Servicing , Inc. XXXX : XXXX, and that I, as others, were entitled to a workshop to meet with representatives at a very far location, ( XXXX XXXX , NJ ). It is a one day event to talk about loan assistance options. 
I dont need assistance with forced errors or a new loan ; I just want them to correct these errors so I can continue to pay this loan off or either forgiveness of the whole loan in its entirety. 
This is the THIRD attempt to receive help from CFPB. 
Awaiting your reply, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Select Portfolio Servicing , Inc. account # XXXX XXXX account # XXXX XX/XX/XXXX
Consumer complaint received 2018-09-08
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. (AZ)

I contacted Experian to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I demand the following accounts that can not be verified to be removed immediately I have all the copy 's of all 3 letters sent to them also have USPS tracking showing that there revived all 3 letter,
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

Ally Financial has not applied payments to the car loan accurately, and they have added months on the payments as well as reporting that I have 12 missed payments which is all false. They also report a late payment every month the the credit bureaus. The car loan was for 72 months, I received the car in XX/XX/2015, which means there should be 36 months left on the loan but Ally Financial is reporting there is 44 months left on the loan. The loan started at XXXX and 3 years later it is showing XXXX left on the car loan, IMPOSSIBLE. Based on what Ally Financial numbers I will be paying almost double for this vehicle which is a used XXXX. This company is stealing and will not talk and explain any of it. I can never get anyone on the phone to explain this, they only say what is showing which is the same thing that I can see from the online system which is FALSE.
Consumer complaint received 2018-09-08
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. (IL)

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXXXXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXXXXXX XXXX from me. 
Credit Report showing the inaccurate information.