davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (IL)

On XX/XX/year>, I noticed that it is not possible to make mortgage payments on Freedom Mortgage 's website. When I click " pay now '' on the front page, it will bring me to the payment screen, but the monthly payment amount changes to {$0.00}, and I am unable to process my monthly payment through the site. I initially thought this is a temporary error, so I returned on XX/XX/year>, but the issue still persisted so I messaged Freedom Mortgage to inquire what's going on. As of today, I have not received a response from Freedom Mortgage, nor been able to make a monthly payment despite returning to try each day. I have attached a PDF document to this complain that has screenshots of the website highlighting the issue, and I can also confirm that it does not work via Freedom Mortgage app on XXXX XXXX either.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to formally report that I am a victim of identity theft related to an account or debt collection activity with Midland Credit Management. I have not authorized any accounts or incurred any debts with Midland Credit Management or the original creditor.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IL)

I am writing to formally dispute the erroneous information listed on my credit report regarding two late payments with XXXX  XXXX and unauthorized hard inquiries made by CB Indigo, XXXX XXXX, Destiny, and XXXX. These inaccuracies are clear violations of my rights under federal law, and I demand immediate correction resulting in the immediate removal from my credit report Late Payments XXXX  XXXX : According to my records, I did not miss any payments on my account. The two late payments reported are false and must be removed from my credit report immediately. I am invoking my rights under 15 USC 1581, which guarantees my right to privacy and accuracy in the reporting of my personal financial information. 

Hard Inquiries CB Indigo, XXXX XXXX, Destiny, and XXXX  : These inquiries were made without my authorization or knowledge. I suspect this is a result of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B which requires the immediate removal of any fraudulent or inaccurate information upon notice.

Violation of 15 USC 1581 As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. These inquiries must be removed immediately to avoid further legal consequences.

In light of these legal protections, I demand that : 1. The two late payments with XXXX XXXX be deleted from my credit report immediately. 
2. The hard inquiries from CB Indigo, XXXX XXXX, Destiny, and XXXX  be removed from my credit file without delay.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635 and 15 USC 1692g. 
This account was paid in XX/XX/XXXX and should be deleted as it violates my rights to privacy.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CO)

XXXX XXXX CLAIMS THEY DID NOT SUBMIT THIS DEBT COLLECTION AGAINST ME- AS I NEVER MOVED INTO THE PROPERTY THE DEBT IS REGARDING. BOTH XXXX XXXX AND THE PROPERTY MANAGEMENT COMPANY HAVE CONTACTED THIS DEBT COLLECTION AGENCY STATING THAT I AM NOT RESPONSIBLE FOR THE DEBT AND I HAVE CALLED THEM AT LEAST FIVE TIMES WITH NO RESOLUTION. THIS IS A WASTE OF MY PRECIOUS TIME AND THE STRESS IT HAS CAUSED IS NOT ACCEPTABLE. ALL THE EMPLOYEES WITH THIS COMPANY I SPOKE TO WERE RUDE, NOT HELPFUL, AND REFUSED TO HELP WITH THIS ACCUSATION. THIS IS NOT ACCEPTABLE AND THIS NEEDS TO BE RESOLVED IMMEDIATELY! 
WHY SHOULD A CITIZEN WHO HAS NO OBLIGATION, AND THE PROOF VERIFIED, STILL BE HARRASSED BY YOU? THAT IS WRONG! AGAIN, YOU WERE CONTACTED BY BOTH XXXX AND THE APARTMENT PROPERTY MANAGER TO VERIFY I AM NOT RESPONSIBLE FOR THIS DEBT SO RESOLVE IT! 
XXXX XXXX
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

See previous complaint filed with CFPB ( XXXX ), wherein EdFinanical responded that they had transferred a payment to XXXX on XX/XX/2024, with an effective date of XX/XX/2024. I have contacted XXXX and attached is a screenshot of my payments made to XXXX. No such payment transfer exists. I would like this investigated and a full refund of {$830.00} sent to me.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (MA)

{$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you help?
Consumer complaint received 2016-04-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (MI)

XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center (MA)

I called Nation Recovery Center, Inc. Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX on XX/XX/XXXX. They informed me of a debt I was alledgedly sued by from a previos law firm holding said account. I do not recall this account. The party I spoke to who 's name was not clearly given to me told me I 'd have this alledged debt, from XX/XX/XXXX attached to any and all account related to my social security number. I do not recall the debt, was told I had to do something today because " there 's nothing I can do to help you wheb it leaves this office. '' I told him I do n't recall the debt from XX/XX/XXXX and that I 'm XXXX and do not have the money, nor recall being notified of the lawsuit back in XX/XX/XXXX in an attempt to collect. I was not given the oppourtunity to contest the debt and once told I was XXXX and unable to pay, if In fact I owed such debt, I could not pay it. I was given vague information regarding the debt and told it was for a " XXXX card, '' and nothing more. I was not given the initial debt holder, date of judgement, not any of the pertinent information regarding anything of use to me to verify such debt is legitimate. For all I know, this could all be made up in an attempt to get me to pay them money I do n't believe I owe, but again, I was never given the oppourtunity to contest the debt before being told it would " be attached to any and all account related to my social security number. '' I do n't understand any of this and I find that this debt collection agency to be in breach of Fair Credit Reporting Act and they used threatening tactics to get me to pay a debt I alledgedly owe.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This debt was originally from XXXX XXXX credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through Portfolio Recovery. Portfolio recovery has now illegally re-aged the debt to appear current even though the debt is old and from XXXX XXXX charges, that they still have yet to resolve. In addition, XXXX XXXX did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Consumer complaint received 2017-03-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Love, Beal & Nixon, P.C. (OK)

I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (IN)

I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized. 
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm. 
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN. 
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

For several years Wells Fargo have been charging me overdraft fees for insufficient funds in my checking account. Several of my bills had to be set up as auto payments. 
I have requested that Wells Fargo not make the payments if the funds were n't there because the late fees are less than the {$35.00} overdraft fees. 
I was informed that this is Walls Fargo policy for auto payments and debit card transactions. 
They will not let me opt out. 
They are taking advantage of the lower income people. 
I had several overdraft fees in the last month alone, so it is hard for me to get ahead with my limited Social Security income. 
Is there any way to get these charges reversed and opt out of overdraft protection. 
Thanks in advance XXXX
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (PA)

My Honda was reposed for the 2nd time. The first time I was behind 2 payments. The second time I was behind 1 month. I was always calling and informed them that I would catch the loan up when I received my taxes. The took the car the day I would be 2 months behind and I received my taxes and they would n't alow me to pay it up. I lost my car and now my credit with be damaged. I don ' ; t think it was fair they just took the car. I lost my job so I was struggling but I was paying them and I was only a month behind. I do not know what to do.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express Platinum Business card last XX/XX/XXXX. The signon bonus is XXXX membership points after spending {$15000.00}. Soon after I got the card, I also got a targeted offer letter with the signon bonus of XXXX after speding {$10000.00}. So I called American Express to ask what offer my card had. They told me it 's the same as the targeted offer letter. So I spent a little more than {$10000.00} by XX/XX/XXXX. Then I found I only got XXXX points. I started to call AMEX and told them the story and they promised to open an investigation. I did n't hear anything back from them so I called AMEX again today. To my surprise, I was told even they gave me the wrong information, they ca n't change the original offer, nor offer me other options ( such as I spend the required {$5000.00} in the next week or so ) so that I could get the missed XXXX points. I think it 's really unfair given the fact that I was given the wrong information so the spending requirement was not met.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recovery Solutions, LLC (NY)

You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. 
As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with VERIFICATION of this debt. 
Send me VALIDATION at once. 
From the date you receive this letter cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and i will take action against you.

In your validation response, provide me with the following 1. A description of what the money you are alleging I owe you is for 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. An expianation of who the original creditor is. when this account was last paid to the original creditor, and an originating document 4. Send me proof that the statute of limitations on this account has not expired 5. Include your license number ( all of them ), and your registered agents ) information. 
If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this and immediately remove this account from my credit reports.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Celtic Bank / Continental Finance XXXXXXXX XXXX XXXX XXXX, NY XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : 1. Evidence showing that I consented to or authorized this reporting under the FCRA. 2. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Consumer complaint received 2024-09-30
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Informative Research (IN)

I notice this inquiry on my credit I notified the agency several times and was switch around several times until I got disconnected. I made numerous call and was unable to talk to anyone. I never applied with this company nor know who this company is. In a effect to speak to someone I have been unsuccessful talk to anyone.