davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2015-03-24
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc. (CA)

I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kimball, Tirey & St. John LLP (CA)

Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (AZ)

This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Bought house in XXXX XXXX, ( shore mortgage ) who sold mortgage to country wide then ultimately into bank of America 's hands. In XXXX, we were late 1 month, but in a position to make up past due plus current payment. Was sent a letter of intent of aforeclosure. We went through a negotiating meeting with banks attorney and was given revised payment. We subsequently paid on time 11straight months. We sent all documents per their request to stay in good standing.they could not account for 11 months of payments. Documents were resent after bank lost them again. They refused to approve XXXX short sale contracts.sold house in sheriff sale in XXXX, then resold in XXXX. Ca n't buy a house now because my credit shows an active mortgage. Never recieved an official letter of foreclosure, or a letter of deficiency. No foreclosure shown on credit score. we even recieved a small and insulting settlement check of {$300.00}. How do we eliminate this from my credit report? /thanks for your attention in this matter.
Consumer complaint received 2024-08-14
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. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (TX)

I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.
Consumer complaint received 2015-10-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (OH)

Regarding the Rush Card. I 've called several of the customer service and corporate numbers since Tuesday. I 've been told several different stories. I 'm a single mom and my only source of income is deposited on this rush card. I lost my card back on XXXX XXXX. I called and reported it had been used. I made a dispute that same day and I have heard nothing of that dispute. I received a new card in XXXX XXXX and tried to activate it and that 's when my problems began. I received several texts about my balance. It went up and down. Now it 's at XXXX and my new card is being declined and not recognized in your system. I 'm very frustrated as I could possibly be facing eviction as I told my rental office I would pay my rent when I got my new card since I 'm not able to go into the bank to withdraw the funds. This is very frustrating as I 'm not dealing with a private landlord who may understand. I 'm dealing with a business just like yours who does n't want any excuses and just wants there money. I 've borrowed all that I can afford to pay back. Please help me resolve my card issues so that I can get my life back on track. Any assistance you can provide is greatly appreciated. Thanks.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SKO Brenner American, Inc. (PA)

I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in XXXX payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was XXXX XXXX. Another agency sent a letter. The agency is SKO Brenner American, INC XXXX XXXX XXXX
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Basically, I have been misled by PennyMac Mortgage ( PMac ) Co. as they told me I qualified for Shortsale process at least 2 yrs ago ( which I have email proof ) but all the while, they were trying to get me to refinance the loan knowing that I did not want to refinance. PMac eventually offered me a " trial '' modification loan knowing I did not want the loan or could afford it. All XXXX buyers have walked away and now pennymac has said the house is slated for foreclosure sale in XXXX XXXX, XXXX. 
SEE EMAIL excerpt sent to PMac from me below in parenthesis. 
( I started this process back in XXXX XXXX. I have provided similar information to your company several times with timeliness and expedience on my part. I have over XXXX separate emails where I have sent this type of information to XXXX different Pennymac associates all regarding loan modification to approve for short-sale. I have had XXXX buyers walk away from the sales-contract due to Pennymac 's long processing time and inability to move forward. Both buyers would have gladly re-countered offers if time was of the essence but your company has not shown that it is. The latest buyer put a contract on the house in XXXX XXXX that met all the terms that Pennymac initially requested. Pennymac has waited 4 months to counter offer the closing percentage for this current Buyer. It is now XXXX XXXX, XXXX and Pennymac has not only changed the amounts to accept for contract sale but now is asking for more of the same documentation I provided literally years earlier. Pennymac has been unreasonable in its request and has not acted with sincerity in trying to accomplish the Short-sale. ) MY REQUEST TO CFPB : 1 ) Stop foreclosure proceedings 2 ) Convince Pennymac and FHA to agree to original terms pre-foreclosure for shortsale or, 3 ) Convince Pennymac and FHA ( investor ) to agree in accepting Deed in lieu 4 ) Have Pennymac write a letter to credit bureaus stating that missed payments were due to pro-longed short sale process and credit rating should not be adversely affected. 5 ) Provide support documentation on my behalf if lawyer and I pursue law suit. 
I can provide supporting documentation at your request.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (IN)

I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

I had an account with XXXX XXXX that went to AFNI collection agency. The original debt was for {$470.00}. I settled the debt with AFNI for {$230.00}. On XXXX XXXX, 2015, when I settled, I paid half of the settlement which was {$110.00}. It was n't until recently when I went to pay the settlement off that AFNI sent the collection BACK to XXXX XXXX on XXXX XXXX, 2015. AFNI told me to call XXXX to conduct any business/payments regarding the account. I called XXXX, they referred me back to AFNI. I went back & forth several times with both companies because AFNI said they could not do anything on the account because they no longer had the account. XXXX told me that AFNI never notated the account properly, so they do n't have any record of any settlement. They only have the original balance of {$470.00}, minus the {$110.00} payment that I made. So XXXX wants me to pay {$350.00} to pay off the account instead of the settlement amount that should have been documented by AFNI.
Consumer complaint received 2016-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (WI)

The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. 
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. 
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (IL)

i have recently finance an used car. the dealer who finance for me did trough a bank called credit acceptance. 
this happend in may.

i've paying on time every single month, but last month when i tried to pay the banck shows the my account were close. 
i have been trying to contact the dealer for weeeks and he never picked the phone or either been there on the car dealer location. 
so now i can not keep paying my car, neither have my title. 
then i called the bank credit acceptance wich i was paying the car and they closed my account and they said they have nothing to do with that. 
but the lawyer that i have been talking said the responsible is the bank.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I have a walmart Credit Card. In XXXX I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of XXXX dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay XXXX minimum. which they combined with XXXX and XXXX late charges. They are trying to charge me XXXX dollars when rep suggested I make the payment on the day I did. I called them and asked them to listen to recorded call and they refused to help with the situation.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

On my Experian account there is a company reporting a collections account. I have filed a dispute with Experian and all they did was send a notice to the collection agency and did not ask the collection agency ( XXXX XXXX XXXX ) if they had documented legal proof that I owe this debt. I visited the office of this collection agency ( XXXX XXXX XXXX XXXX ) in XXXX, AZ. and they could not provide any documentation of any form. I sent them a registered letter requesting such information and I also contacted the physical therapy office and they could not provide any proof either, nor have they called me with any status regarding the claimed debt as they promised. I advised Experian and asked them why they did not require documented proof from the collection agency and they responded that the business can report to them any information that they want. I asked if they require the reporting business to have or provide any type of legal documentation indicating that the person that they are reporting negative information on their credit report, they indicated that no basically the reporting company can report whatever they want and Experian in their dispute process will only ask them if they want to continue reporting the information, whether or not they have any legal grounds to do so. 
My complaint is that the credit reporting agency in their dispute should require that the reporting client of Experian should be able to provide legal documentation regarding the information that they are reporting, especially in this electronic age where the information could easily be provided. And if the creditor or collection agency can not provide such documentation then it must be removed. 
If this agency had any legal documented proof they would have filed legal action against me long ago, as I have lived at the same address for over 24 yrs.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company