davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

On XX/XX/18 someone went to XXXX and charged {$5900.00} on my Discover card. The charge was not made by me. I have since been fighting to remove this charge from my account. I have been paying interest charges for a charge that i did not make. I have spoke to Discovers Fraud department numerous times only to be accused and treated rudely for something I did not do. No one at Discover will do anything to get this off my account. I filled a police report and have contacted them numerous times to get this straightened out with no luck. I'm in the process of buying a house so I have been paying for this charge in fear that I will ruin my credit and stop my process. Please Help!
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (IL)

I have sent all baseline identifiers ( i.e. state issued id, social security card, utility bill, and a formal written request, to have this company ( merchants credit guide account # XXXX ), remove this fraudulent account from my credit profile, as this account does not belong to me, and can not be verified. I have never had an account, with this creditor, or the original debt collector. I have spoken to a representative from merchants credit guide and no change has occurred. The person that I spoke with is ; XXXX XXXX, and he can be reached at ( XXXX ) XXXX ext XXXX. The amount that this creditor is attempting to collect is {$550.00}.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (SC)

I have sent auto trak several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
Auto trak states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX XXXX first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
Auto trak is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX repair with a new radiator.Somehow they got coolant in engine which blew the engine. this occurred XX/XX/2018. I continued to pay my car note 2 more months. then i filed a gap insurance claim which was denied. the claim was denied then they cancelled my insurance. Chase Auto repossesion of my car then sold it without notice or authorization.They mailed me a letter after they sold my car.
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (TX)

I am deeply frustrated by the continued presence of this late open account on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. 
I am writing to file a formal complaint regarding the ongoing issues I have faced in attempting to correct a late open account on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 
My record shows that this account was Paid as Agreed and I never missed a payment. 
This account should not be late pursuant to CARES Act. Thoroughly I want the Credit Bureaus investigate and update this account with lawful accuracy. 
I have attached my documents and I you to conduct a fair and thorough investigation into disputed information. 

I want your assisstance to resolve this issue promptly, urging you to work with the relevant credit reporting agency to address the persistent inaccuracy of the late open account. 

I request that you communicates the resolution of the dispute to you in writing. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXXXXXX XXXX : XXXX - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please correct it immediately.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I asked Experian to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that XXXX hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp. (TX)

I am having a issue with my vehicle loan servicer First Investors Servicing Corp. 
I had a 72 month loan which was paid in XX/XX/2023. During this loan period I skipped XXXX payments and had them put to the back of the loan. When my loan was due to be paid in XXXX. There was still a balance due the maturity date changed, I then saw I was scheduled to pay XXXX payments and not the original XXXX. I have as of today paid XXXX payments which is a extra over the XXXX. 
Theres no way by putting XXXX payments to the back of my loan I magically owe XXXX payments. That would mean for every payment I put to the back I now owed XXXX payments. 
This would be abusive financial conduct and predatory lending practices. I have contacted the company and asked to speak to their legal department to rectify this I havent heard anything in about 3 weeks. 
I would like this resolved fairly.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX  XXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked this morning when I saw incorrect accounts on my credit report. I have no clue how they got there! I do my regular checks, and everythings been fine, but suddenly, these errors appeared out of nowhere. I even refreshed my browser, thinking it might be a mistake, but it wasn't. These wrong accounts were still there. Im asking that the documents I provided be thoroughly reviewed so I wont have to go through this nightmare again.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (WI)

As of XX/XX/2023, the balance showing on my loan ( on their app ) was {$0.00}. I submitted a payment for {$1.00} several times but it was never processed. 

They call several times a day and when I finally spoke to them, they said they didn't accept the {$1.00} payment because my balance was actually $ XXXX. I can not find a statement that shows this amount online and they have not mailed one even though I requested one. 

I have made XXXX additional payments since then ( approx {$110.00} each ) but they continue to call several times a day.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (MA)

As of XXXX XX/XX/2023, I have been enrolled half-time in an accredited community college. Because of this, my student loans should have been automatically placed into forbearance. However, my account has not been placed into forbearance and I have had to make XXXX payments ( so far ) that I should not have been required to make. I had my school fax my enrollment status directly to MOHELA ( despite MOHELA 's claims that it checks enrollment status with FSA, which is obviously false ), and MOHELA has denied the status change. I filed a complaint with FSA directly on XXXX XX/XX/2023, with a promise that I would hear back from them within 15 days, but I have not heard back in over 30 days. I contacted MOHELA on XXXX XX/XX/2023, and I was told over the phone that MOHELA is unable to verify my enrollment information. I was placed on administrative forbearance on XXXX XX/XX/2023, and the forbearance expired XXXX XX/XX/2023. I received notification of this forbearance even existing via USPS on XXXX XX/XX/2023. I have another payment pending at the moment, and this delay in applying my in-school deferment is unacceptable.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Requested opt out... 
XX/XX/2023 Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX XXXX I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery has listed two negative accounts on my credit reports with monthly terms for accounts I have never owned. Portfolio Recovery has never sent me a dunning notice regarding these accounts and I have never entered into an agreement ( monthly or otherwise ) with them. 

Both accounts list XXXX XXXX XXXX XXXX  as the original creditor and I have never had accounts with that company either. Portfolio Recovery has also described themselves as a Factoring Company which they are not.
Consumer complaint received 2017-10-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (TX)

I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.
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 — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.