davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Byrider Franchising, LLC (AK)

On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed. 
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX. 
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX. 
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IA)

I have disputed the XXXX XXXX XXXX on my account multiple times because it is due to identity theft and i have stated that numerous times in disputes to no resolve. This needs to be taken off my credit as it was identity theft. It says closed XXXX XXXX, 2015 and amount being {$1000.00}.
Consumer complaint received 2018-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (CO)

My loan was sold to a new mortgage services company, XXXX XXXX XXXX, and I was never notified by my existing mortgage service, Gateway Mortgage Group. it is my understanding they are required by law to notify me within 30 days of my loan being sold. Instead, I received a bill from the XXXX XXXX XXXX informing me that that my mortgage loan had been sold to them. On the same day I received a monthly bill from Gateway Mortgage Group. It is 6 days before my next mortgage payment is due and I have never received any letter, information or been contacted by Gateway Mortgage Group informing me of the sale of my loan. Isn't this a violation of Federal Law? Aren't they required to notify of the sale of my loan?
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with me.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.
Consumer complaint received 2024-10-07
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. (NY)

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc. (CA)

XXXX was my original creditor. Due to financial distress, I could not make payments as agreed, and the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I spoke with a representative about my account XX/XX/XXXX, and we had agreed to cut the balance in half ( original {$3600.00} down to {$1800.00} ) and to set up a biweekly payment plan of {$35.00} to be settled in full by XX/XX/XXXX. I see that every 2 weeks, payments are still being deducted. When I call they claim an amendment never existed, and do not see a record of the call. I was told the balance owed is still {$2100.00}, and not the {$350.00} I had assumed I had agreed to. 

I spoke with XXXX ( ext XXXX ) on XX/XX/XXXX, who was really kind, and said she'd review recorded calls for the dates I specified ( XX/XX/XXXX to XX/XX/XXXX ). She said I should hear back within an hour, but I do not understand why a record of my call and the contents do not exist. 

I am asking that ACF mark the account as settled in full, as agreed, and cease and desist taking any additional payments via ACH or EFT or otherwise debiting my account. I have also not been receiving any printed or emailed statements regarding my account, which I believe is a violation of FDCPA. I had sent a letter in XX/XX/XXXX about my change of address, but I never heard back. 

I am upset because I agreed to pay and feel hoodwinked that they never notated my account.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

XX/XX/2018 i was served a summons to appear in court for a collection account with XXXX XXXX. The judge granted the collection agency 2 continuances so they could gather more information. In XX/XX/2018, i sent a certified letter to XXXX XXXX asking for validation of the account. They sent copies of a statement, which was not validation. By the end of XX/XX/XXXX, the collections were removed off my credit report. 

I had a court date XX/XX/2018 with XXXX XXXX, whos only proff of validation was a few billing statements. I repeatedly asked for a more detailed list of items, because i did not recall having this account. I also explained how i send a certified letter asking for validation and that the collections were removed from my credit report. XXXX XXXX also could not tell me if the dent was from an XXXX XXXX XXXX or an XXXX Credit Card. The judge still ruled in XXXX XXXX favor although they had no information validating that the account was mine.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Corporation of America (MO)

At XXXX XXXX  on XX/XX/XXXX, I received a call from a person who refused to be helpful. I asked repeatedly whether this was an attempt to collect a debt and was told that the company ( Financial Corporation of America ) did not have to tell me that unless I verified my address and date of birth. 

The representative kept calling me sir ( I am a woman- and the person refused to stop calling me sir for a long time- I am very self conscious about my voice ). The representative also informed me that the company would not send any further mailers unless I gave them an address- then the person stated my XXXX daughter 's name. 

I believe this is a scam and told the person that I thought so and the person insisted on wanting to end the call while I asked to research the company online. A " supervisor '' came to the phone at my request and stated that another mailer would be sent. 

I do not know this company and do not know why they would be contacting me.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {$250.00} for regular purchases. Also on this statement, I made {$380.00} in new purchases and payments totaled {$2200.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {$310.00} of regular purchases. My payments the previous month were {$2100.00} above the minimum payment due so there should be {$0.00} interest charged if my payments were allocated correctly.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.
Consumer complaint received 2018-04-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. 

The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. 

I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. 

Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

SPOKE WITH EXPERIAN SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT EXPERIAN  ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CO)

National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX.

XXXX  and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised.

I did receive notice from XXXX  that the item was deleted on XX/XX/XXXX.

I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I am in the up most saddest state Ive been in a while. My account had been rigged due to a scam with XXXX. In this situation my debit was withdrawn from me & also my phone which does in-fact have my 4 digit pin. Varies transactions were made in my Checkings & Savings account early XX/XX/XXXX - XX/XX/XXXX I previously called over the funds for the first debit fraud in which I was reimburse the money. I was able to make 4 claims discussing my shortages & damages to my Chase bank account. Never in my life have O experience such trauma like this before. Shortly, after I had with held of my new debit card in where I was then manipulated out of my funds & personal information again I was charged for varies activities, that to my prior did not did not actually make. I have no prior business with XXXX  so therefore do not understand why there is multiple bank transactions with them. I do not know what the whole hassle with the atm fees are about since XX/XX/XXXX I called my bank & was issued temporary credit. But I am here today writing this statement to make sure I am able to fulfill in my actual funds of XXXX. Thank you
Consumer complaint received 2018-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/17 I happened to be viewing my account balances online of my Bank of America debit card and noticed 2 charges ( {$150.00} x 2 ) for an XXXX  purchase of which I did not make. I immediately suspended my card via my Bank of America app and then immediately called Bank of America to inform them of the situation. I stated that my debit card had been compromised and I wish for the charges, that were in real-time in a " pending '' status. I wanted them to, especially since the charge was in pending status, not authorize the release of the fraudulent charges totaling {$300.00}. They refused. They stated they would allow the charges to go through and I could at that time dispute the charges. I was stunned and stated if you allow these fraudulent charges to be stolen from my account I would then, possibly, be in a fight with you for the refund of my money. They stood fast on the issue. They were not going to stop the fraudulent charges. Upon Bank of America 's release of my money to a online thief, I filed a refund request and was denied. I executed all federal ( in addition to B of A required guidelines ) required guidelines in order to qualify for a refund on fraudulent charges made to my account.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

XXXX XXXX XXXX was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the account as delinquent to credit agencies, Experian, XXXX and XXXX.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with me.