davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

In the late XXXX, my then-husband and I took out a Sallie Mae consolidated student loan. The amount was between $ XXXX. We have been paying on average $ XXXX for the time since, with the exception of a short deferment after our son was born and needed XXXX. Because we divorced in 2001 and we were not permitted to separate the loan we for a few years sent our payments in separately and on time. We did n't realize for a few years that we were being charged late fees. Why? We were n't late on payments during that time. It affected both our credit. This loan payment has been an extreme burden, and we currently, almost 20 years later, owe about $ XXXX. How could we possibly still owe that much after making payments all these years? It 's mind boggling. It 's because they 're corrupt. What they 're doing is a scam, and I feel like it we went to court, we would win. We 've even asked them to provide documentation of our account activity and charges. They will not. We have applied with a payment reduction program, and more than once they 've tried to RAISE our payment to a {$1000.00}! We ca n't afford that. It is not legal. It ca n't be. Who is going to hold them accountable? I know of other people who consolidated with them and are in the same insane boat! Please help!!!!!!
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (PA)

I had a vehicle loan with American Credit Acceptance up until XXXX of 2015. Due to unforeseen family and financial issues I could not afford the payments and was coming up on being three months behind after having the loan paid as agreed for almost three years. Since I could not catch up on the payments, I requested a Volunteer Surrender. The company did not follow the repossession laws of the state of Pennsylvania. They did not tell me when they were coming by phone or in writing, I was reprimanded by the tow truck driver for not having the keys ready, and did NOT receive the required letters stating where the vehicle was to retrieve my personal items, if and when the vehicle was to be sold and how much it was sold for. The only letter I received was from them stating I owe {$1300.00}. Not knowing the law at that time, I called them to make payment arrangements, and they also gave me a settlement payoff of {$600.00} to keep the debt off of my credit report. They gave me a workable arrangement. 
A month later a received a letter stating my debt was turned over to a company called XXXX XXXX. I called them and they would not honor my payments arrangement. This debt is now shown as a collection account on my reports.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

USAA reduced the interest rate on our savings accounts from the already penurious 0.5 % to 0.01 %, the same rate as checking accounts, with no express notice. At the same time, USAA vanished the interest rate from the account page, so it was difficult to detect and persisted I don't know how long before I realized it. Worse, when pressing " View Rates '' on the website, the user is sent erroneously to the " open new account '' page ; the rates again were concealed. An agent acknowledged this " system error '' but refused to say that it would be corrected. Meanwhile, USAA created a new form of savings account called " Performance, '' which has higher interest rates. But USAA persisted in letting my spouse and I think that our money was in a most advantageous " savings '' account, which in fact was the same as checking, and never invited us to reclassify our accounts as " Performance. '' This is plainly a deceptive practice intended to exploit existing customers.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: The Best Service Co.,Inc (CA)

Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.
Consumer complaint received 2024-09-27
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: Chime Financial Inc (FL)

I was told that the incidental charges would be {$50.00} yet I was charged {$210.00} without my knowledge. When I asked the property what this was they stated that incidentals are only {$50.00} and I should not have been charged this amount at all. 6 days later the charge is still pending and the hotel confirmed to my bank that they can release the funds because theyve already processed payment via third party and the charge doesnt exist. My bank refused to do a manual release of funds even after the hotel confirmed that I should not have been charged in the first place.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I requested my consumer file from lexis nexis and I realized some of the information like my email and phone number are on my report when they should not be there. On XX/XX/XXXX I contacted Lexis nexis disputing this information to be removed. Today XX/XX/XXXX I got an email from lexis nexis claiming they could not find my file. I find this to be a lie since I provided all my personal information, including my Consumer Number, XXXX and the Case Number, XXXX, still they claim they could not find me. Lexis nexis makes it very complex to request your report and also to dispute it. They are in violation of the FACTA act.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NJ)

I am filing this complaint regarding an inaccurate late payment reporting from FSTPROGRESS ( First Progress ) on my XXXX credit report. This account is listed as " Late 90 Days '' on XXXX, while XXXX and XXXX report it as " Current '' and in good standing. This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( 15 U.S. Code 1681s-2 ), which mandates that furnishers of information, such as First Progress, maintain accurate and complete records. Despite my account being closed, fully paid, and reflecting a XXXX balance, XXXX continues to report this late payment inaccurately. 

I have reviewed my payment history and have never been late on this account. The inaccurate late payment marks have significantly impacted my credit score and are unjustified. 

Breakdown of the Data : Account Type : Revolving ( Credit Card ) Account Status : Paid/Closed across all bureaus. 
Balance : {$0.00} across all bureaus. 
Date Opened : XX/XX/2023 ( XXXX : XX/XX/2023, XXXX XXXX XX/XX/2023 ) High Credit : {$180.00} on XXXX, {$300.00} XXXX XXXX Credit Limit : {$300.00} XXXX XXXX, {$0.00} XXXX XXXX XXXX Status : XXXX : XXXX XXXX : Late 90 Days ( inaccurate ) XXXX : Current Date of Last Activity/Payment : No late payments reported on XXXX and XXXX, yet XXXX inaccurately reports late payments for XX/XX/2023 XXXX XX/XX/2023, and XX/XX/2023. 
The reporting across the three bureaus should be consistent and aligned, but XXXX report inaccurately reflects late payments despite the account being paid and closed, as confirmed by the other credit bureaus. This inaccurate information is a violation of FCRA 's Section 623, which requires accurate reporting by furnishers. 

I kindly request that this error be investigated and removed from my credit report as it is inaccurate and damaging to my creditworthiness.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

I contacted SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan Number : XXXX In 2023 after they bought my loan letting them know they never paid my taxes on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX they told me they would look into it and get back to me. I tried talking with them a few times with no success. 

Then a few months ago I called them and told them these taxes were not paid in 2023. Its plain as day on the escrow sheet that shows every single transaction from day 1. The lady said, I dont see it either but we paid it. Then today I got collection letters from XXXX XXXX XXXX Shelling has no tax department available to its consumers. The lady on phone told me to email her the bills. Ive dont this in the past and they do nothing about it.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CT)

paid SLS {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid XXXX {$2300.00} check # XXXX XX/XX/year> for May mortgage paid XXXX {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage XXXX changed to Shellpoint paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage Mailed to Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage Phone conversations to Shellpoint to try to fix their problem : spoke to XXXX XXXX XX/XX/year> spoke to XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (MA)

Chime opened a secured credit card ( which they call " credit builder '' ) in my name without my consent. I only intended to open a checking account with Chime, but it's possible Chime will claim I inadvertently left a checkbox checked on the checking account application, or perhaps touched the wrong button on their app. In any case I never wanted the secured credit card and never knowingly applied for it. I consider the secured credit card to be fraudulent. This card has appeared on my credit report and caused me significant damage. When I disputed the account with XXXX, Chime refused to remove it.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/21, we closed a refi with XXXX # XXXX, and the first payment was due XX/XX/21. We made the first payment on XX/XX/21 via XXXX with XXXX in the amount of {$4600.00}. On XX/XX/21, we received notice that the loan was transferred to Mr.Cooper, under loan # XXXX. I set up auto-pay to begin XX/XX/21. The XX/XX/21 payment was drafted successfully. I contacted XXXX to track the XX/XX/21 payment to Mr. Cooper and they advised that a bulk wire was transmitted via fedwire on XX/XX/21 under reference # XXXX for {$10000.00}, which included two other payments. 
I have made numerous inquires via phone, email, and account messaging to no avail. A research ticket was opened on XX/XX/21 under # XXXX ; on XX/XX/21 I was notified the ticket was under review. I sent another follow up on XX/XX/21 and received another scripted reply under ticket # XXXX. 

Meanwhile, the XX/XX/21 payment was debited and included an additional {$1000.00} to apply to the principal. On XX/XX/21, I received notification that the {$1000.00} applied to the principal was placed into an unapplied funds account until the balance of {$3600.00} is resolved. I spent an hour on the phone with XXXX, who provided me with all the backup showing the payment was made and transferred. Now I fully expect there will be late fees and credit bureau reporting, which should be against regulations when there's a pending ticket regarding payment. The consumer suffers through the process when the mortgage company should be held accountable. 

I am hard-pressed to believe that a servicing company dealing with payments all day long can not reconcile a simple wire for three mortgage holders. The entire process of mortgage transfer should be pretty straightforward. Simply follow the law, regulations, and your own policy and procedures! As a professional in the financial crimes industry, I am suspicious of Mr.Cooper redirecting my funds to a suspense account, instead of following the transferring account payments. 

( As an aside, if I were performing their XXXX audit ( my core business ), I would be reviewing that suspense account for unusual or suspicious activity. ) Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MI)

Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.
Consumer complaint received 2024-08-28
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 am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I had a fraudulent charge on my account from a service i had canceled. I called U.S. bank to ask for a stop charge because my account was overdrawn. He agreed to stop it but it was never stopped. The charge went through and i was charged the XXXX dollars. I called back had the XXXX $ refunded but there charge caused me to have XXXX more overdraft fees. They agreed to refund XXXX of them because it was there mistake but not the third because i had agreed to pay the XXXX $ for the stop charge that never went through. The overdraft fee is keeping me in the negative and will have more overdraft fees by tomorrow morning even though i had depositied XXXX dollars cash into my account to cover the cost of my purchases. they are charging me several over draft fees for a service they said they would provide but never did. I have no control over the situation and they refuse to refund me the total amount they have basically stolen from me. I have direct deposit and can not avoid my next check being half of what it should be, which is tomorrow XX/XX/2016. They say its there policy not to refund all overdraft fees, even though it was there mistake that put me in this situation.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (SC)

I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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 items 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 these items are being reported correctly? Who verified these items? 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 items 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 THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Identity was stolen in XXXX. Possibility, my credit information could have been accessed by individuals other than myself. 

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Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (TX)

I fell for a pay to work fraud claim with scalingwithsales.io/program. I did not know it was a loan. I was told it was a payment plan. I tried to cancel through scalingwithsales.io they would not cancel the loan. I was told i would recieve payment and never received any money. I went through affirm and they would not cancel the loan. I have been removed from contacting with scaling with sales. The loan date is XX/XX/year>. The loan ID is XXXX. The case number is XXXX
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I was shocked when reviewing my credit report in regards to a late payment reported in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.