davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (MI)

I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into. 
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: InDebted Corporation (TX)

Since XXXX XXXX XXXX, I have received an overwhelming number of communications regarding a debt, despite being in a vulnerable financial position. Specifically, I have received 27 emails from the address XXXX and 13 text messages from the shortcode XXXX. These messages came almost daily, often claiming that Indebted USA and XXXX XXXX knew I had opened an email, even when I had not.

This persistent communication has caused me significant emotional distress and XXXX. Every time my phone went off, my stress levels spiked, as the notifications were frequently from Indebted USA or XXXX XXXX. These messages were especially XXXX XXXX XXXX XXXX XXXX during a period where I was struggling to regain financial stability after being out of work for an extended period of six months. During this time, I fell into XXXX due to financial stress, lack of sleep, and the overwhelming process of job searching.

The constant barrage of messages exacerbated my financial XXXX, worsened my XXXX, and even led to XXXX XXXX XXXX XXXX XXXX. I have lost hair and have experienced increased stress-related symptoms. I believe that the actions of Indebted USA and XXXX XXXX violate the Fair Debt Collection Practices Act (FDCPA), which prohibits such harassing and abusive behaviors from debt collectors.


Please find attached records of the communications I have received and any additional information you may require to investigate this matter.

Thank you for your attention to this serious issue.

Emails from InDebted: 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (CA)

This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK (AL)

I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
placed insurance I never needed in the XXXX place they are saying
they instead need a "cushion" in my escrow which allows them to steal
an additional XXXX a month added to my mortgage payment.
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

I started with a new modified loan in 2013 with a payment of XXXX which
always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
There is no way my escrow is that short XXXX short! No! I expect my payment to go back to it's original amount.
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
Shellpoint owes me a refund check for the over XXXX they have stolen in fake insurance payments that I never needed since my property was insured already which I proved to them.
So I expect a refund and my payment to go back to its original amount of XXXX a month.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CO)

I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
Thanks, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 

On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident. 

I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested. 

In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
Respectfully, XXXX XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

My daughter ( now XXXX years old ) keeps receiving credit card applications in the mail for the Chase XXXX XXXX XXXX card. In this age of identity theft, no child should be sent credit card applications, and there should be a way to permanently remove the child 's contact information from the bank 's database. This has been occurring since she was XXXX year old. I have repeatedly contacted Chase over the past XXXX years trying to address this problem. Every time, they tell me they can opt her out of advertising for a few years, but can not permanently remove her from their database. This is a ridiculous response! There is no reason to send a credit card application to a child and Chase needs to have a mechanism to permanently block this type of mail.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

This was a student loan that was transferred to my Mother because was a cosigner. XXXX XXXX is reporting a derogatory and adverse status on this account. It shows transferred, but also shows that it was discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. Please see attached filing.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Services, Inc. (WA)

I sent a request for a verification of debt last week and am receiving multiple calls on my cell phone and at work through National Credit Services by a woman named XXXX. She has called my work multiple times and continues to contact me after I sent a written request for verification of debt. When I told her that over the phone she said the debt was from " x '' on " x date ''. I said that was not sufficient and I need actual verification of the amount and validity. She continues to call my place of employment.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Performant Financial Corporation (FL)

My identity was stolen back in XXXX 2008 when my purse was stolen from my person. I have the police report with the statement of theft. Today, I received a phone call at my place of work regarding a collection of debt. The company is Performant Financial Corporation and the caller was XXXX XXXX. I explained to XXXX that I am a victim of identity theft and her calling me at work was illegal under section 806 ( 5 ) of the Collection Practices Act.