davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

I rent XXXX house XXXX my husband like 4 years ago and XXXX company send me to collection and my husband pay months ago and and still have the open account in collection i call the company of collection they telling me that is going to be removed call back in one month and is the same thing and i call yesterday and again now they tell mi the XXXX is going to call you back and nothing this is the receipt Capital Accounts XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Creditor : XXXX XXXX Homes Current Creditor : Capital Accounts LLC Account Number : XXXX Current Balance : {$0.00} Dear XXXX XXXX : RE : Receipt for Payment This notice is to confirm that the above referenced account was PAID IN FULL/SETTLED IN FULL on XXXX Sincerely,
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: State Collection Service, Inc. (IL)

In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Address on Credit Report Request for Intervention Dear CFPB, I am writing to formally dispute an inaccurate address listed on my credit report with Experian. I have contacted Experian regarding this issue, but they informed me that the address in question is linked to an account. However, I can confirm that this address is not associated with any accounts, which leads me to believe that Experian is employing a stall tactic to avoid correcting the information. 

My situation is similar to the case of XXXX v. Experian Information Solutions , Inc., where the court addressed similar issues regarding the accuracy of information maintained by credit reporting agencies. As outlined in the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information in their file, the CRA is required to conduct a reasonable reinvestigation of the disputed information. 

Despite my attempts to resolve this matter directly with Experian, I have not received a satisfactory resolution. I believe that the inaccurate address could negatively impact my credit score and overall financial standing. 

I kindly request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that Experian conducts a thorough and fair reinvestigation of my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Budget Planners of South Florida, Inc (IN)

I had a representative from National Budget Planners call me explaining that they could consolidate my loans if I pay a $ XXXX monthly payment every month with the implied purpose that that would be the lowest payment I could pay based on income. I initially paid a {$200.00} registration fee and since then I have been making {$40.00} payments for over 2 years. Recently I received a bill from XXXX XXXX and my loans were the exact same amount as two years ago! When I called and asked why this way, they said some third party has been receiving payments from me while they make sure I stay on an income-based payment plan, all of which I could do for free from XXXX XXXX. The National Budget Planners have been taking hundreds of dollars from me and not reducing any of my student loans, which was the their promise. They have renewed my yearly " service '' without my consent which I was also unaware that I had the option to renew the services or not.
Consumer complaint received 2016-12-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

I contacted Citi Mortgage numerous times a year concerning my account concerning concerning the late fees and delinquency expenses on my account. I was told that that it would be corrected however there is never a record of the agents. I am trying to pay off my mortgage and they have tagged {$3100.00} of charges that they have no documentation that I owe they sent me a fee/description that states interest on ESCT ADV SHORT TOTAL {$1.00} DELINQUENCY EXPENSES INSPECTIONS and XXXX XXXX XXXX XXXX that they can not provided details, times, whom conducted it so they so they XXXX XXXX by, and also stated they did n't have to tell me that they conducted it but yet at the end of my mortgage they take it upon themselves to charge me. 
I gotten responses back concerning nothing that I wrote requesting valid proof t and they can not provide. 
How can you be charged for a drive by with no contact notification nor proof. 
My contract says late fee 's XXXX cent per dollar for years I was charged he same aam amount. 
Citi Mortgage Company should not be allowed to put charges on without proof. 
I am requesting that these charges be removed and I be allowed to pay off this mo mortgage with the correct amount due. {$3100.00} is the amount that should be rem removed.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I hold XXXX consolidated federal student loans serviced by Navient. I sent a check for {$13000.00} to Navient on XXXX/XXXX/16 for my consolidated loan XXXX ( Acct. # : XXXX ). It was cashed electronically on XXXX/XXXX/16 by " XXXX XXXX XXXX ''. The money has not been used to pay off my student loan. When I called Navient they said I sent the loan to the wrong processing address. However, Navient is part of XXXX XXXX as a government sponsored enterprise. Whether the processing center is at XXXX ( where I sent the check ) or XXXX PA ( where they said I should have sent the check ) is used Navient processes the check. They have held my money for two weeks which has not been used to pay my loan. According to the person I spoke to at Navient on the telephone they do n't intend on using the money to pay off my loan but stated they will send me a check for me to cash. I am supposed to cash that and issue another check to send to the processing center in XXXX. However, Navient is the processor regardless of the processing center. Navient is holding my money, without interest, and not using it to pay off my loan. I have not received the check. I also have an electronic pay agreement with my bank to currently make my payments which they could use for a refund. My recent loan payment does not reflect the money they have received to pay off the student loan. Navient is misusing and misappropriating my student loan payments.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (RI)

I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2016-07-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (PA)

I recently checked my experian report and noticed that Midwest recovery system located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX put a collection on my report from XXXX XXXX loan that has been paid off in XXXX. I have not received any information that there was money due and why was there a balanced on a debt i have paid off 3 years ago. I tried calling a few times and could not get anyone to give me answers. The web loan was paid in full in the amount of {$650.00} but on my credit report it says i have a balance of {$800.00} in collection which is frivolous and it date back to XXXX/XXXX/XXXX which is absurd.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX I received a call from the debt collection agency Portfolio Recovery Associates to my secondary cell phone number XXXX at XXXX pm. I enformed the debt collection agent that I do not want my phone call recorded and to please do not contact me at all. The debt collector was persistent in getting me to confirm my name and address, so I gave the debt collection agent my Directing Attorneys XXXX of XXXX Law Firm 's contact information. The debt is from a old XX/XX/XXXX credit card that has long expired the statute of limitations to collect upon after 7 to 10 years and by law the debt is forgiven and can not be re-aged by the the laws Passed In the FDCPA Fair Debt Collection Practices Act of 1970.This debt does not currently reflect on my credit report nor do I claim any responsibility for this debt. I want this complaint to be reviewed and please contact the debt collector and have them review the FDCPA. Any further attempts from this collect will result in legal action due to harassment.
Consumer complaint received 2016-12-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (WA)

Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Filed a claim for {$63.00} with chase bank on XX/XX/2016 Have called them every single day to fight with them tooth and nail jus to get a temporary credit to my account due to their system being very unreliable to work proficient and efficient! As someone who sacrificed everything for this country in the military, I should not have to come home and fight for my money that XXXX is holding as ransom and screwing up my financial matters!!
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I applied for a HAMP loan modification in either XX/XX/XXXX or XX/XX/XXXX. The reason for the request for loan assistance was due to the fact my husband XXXX in XX/XX/XXXX leaving me and my XXXX young children with no life insurance. We were unprepared for his XXXX. 
After this event I want to keep my children in as stable environment as possible. 
I put in my package to US Bank ( XXXX ). I stayed in touch with him, provided all documents requested and was told the file was complete. 
In XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) saying we were thrown out of loan mitigation saying I owed the following items : 1. a business tax return for a business only my XXXX husband was involved with. They claimed portions of the business tax return were not included. I sent the full return. including all items they claim I did not send. Clearly they got the return, I have proof. 
This request for my XXXX husband 's return is irrelevant to my loan. 
modification requests. I am not currently nor was I ever a participant in his business. 
2. They requested my pay stubs. I provided this multiple times. XXXX confirmed receipt as well as profit and loss statements, bank statements and any other documents they needed to review my request. 
They continue to stonewall me. I originally filed a complaint with the CFPB on XX/XX/XXXX. US Bank threw me out and denied my request even while the complaint with your agency is active.
Consumer complaint received 2016-10-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian ARG Inc. (FL)

I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MN)

I have an American Express Delta Platinum credit card, of which one of the advertised benefit is XXXX bonus Medallion ( Elite ) Qualifying Miles after {$25000.00} of eligible spend is applied to the card. I believe that I reached this threshold bonus in Calendar Year XX/XX/2016, but my bonus Miles never posted to my XXXX account. I contacted American Express about the problem back in XX/XX/XXXX and they opened an investigation which they informed me this evening had been closed with a ruling against me. 

I was informed that the research department had determined that I had spent {$XXXX}. ( Other representatives told me that I had spent {$XXXX}, meaning that there is n't even a consensus within the company of how the " eligible '' spend is calculated. ) Most importantly, American Express includes a feature called a " Year End Summary '' that is featured prominently in the online account portion of their website and shows all charges and categories of those charges made for the previous calendar year. My Year End Summary shows that I made charges totaling {$XXXX} in XX/XX/2016. If that number is calculated differently than the number for the threshold bonus, that is incredibly misleading. 

If one or more of my transactions did not meet one of Amex 's apparently multiple definitions of " eligible '' I could have easily completed additional spend, if I had been aware of the issue and had n't been misled to believe that I had already met the threshold until it was too late. I believe that Amex purposely misleads consumers into thinking they 've spent more than they have in order to avoid paying out such threshold bonuses.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Address on Credit Report Request for Intervention Dear CFPB, I am writing to formally dispute an inaccurate address listed on my credit report with Experian. I have contacted Experian regarding this issue, but they informed me that the address in question is linked to an account. However, I can confirm that this address is not associated with any accounts, which leads me to believe that Experian is employing a stall tactic to avoid correcting the information. 

My situation is similar to the case of XXXX v. Experian Information Solutions , Inc., where the court addressed similar issues regarding the accuracy of information maintained by credit reporting agencies. As outlined in the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information in their file, the CRA is required to conduct a reasonable reinvestigation of the disputed information. 

Despite my attempts to resolve this matter directly with Experian, I have not received a satisfactory resolution. I believe that the inaccurate address could negatively impact my credit score and overall financial standing. 

I kindly request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that Experian conducts a thorough and fair reinvestigation of my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2016-10-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Carma Enterprises Inc (NV)

hi my problem is i took out a loan with las vegas fiance and when my due date came up i got a garnishment on my check by a deby collecter so i talk to las vegas fiance and told them that i wasnt going to be able to pay them right now because my check got garnish and they were like how much is the other company garnishing you right now and i was like XXXX percent then they told me that there were going to then take the other XXXX percent of my check because they were going to garnish me also. I know i took out a loan and im going to pay it its just i need a little bit of time
Consumer complaint received 2016-09-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (IL)

I sent a certified letter to Chrystler Capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Chrystler did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time