davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

The mortgage servicing company has imposed a pre-payment penalty in violation of the terms of the loan. This penalty may not be intentional. 

I have been keeping a parallel spreadsheet of the status of my loan, starting with the XXXX, XXXX payment. In this spread sheet I keep track of the current interest rate, month and year of payment, payment amount and how much of the payment is allocated to escrow ( taxes and insurance ), interest, and pay-down of principal. On the monthly payment coupon I indicate the required amount for escrow, the required amount for interest, and the required amount for principal. Since my payment has always exceeded the minimum required, I always allocate the excess to principal. My records have tracked exactly with the statements from the servicing company. That is, until I made, in XXXX, the payment due XX/XX/XXXX. 

That payment, {$10000.00}, was to be allocated {$560.00} to escrow ( required ), {$1200.00} to interest ( required ), {$2200.00} to principal ( required total payment of {$4000.00} ), and the excess of {$5900.00} allocated to " additional principal. '' My records show closing balance of {$520000.00}. 

The mortgage servicing company allocated {$560.00} to escrow ( XXXX ), XXXX to escrow ( XXXX ), {$2200.00} to principal ( XXXX ), {$570.00} to escrow ( XXXX, XXXX ), {$1200.00} to interest ( XXXX, XXXX ), {$2200.00} to principal ( XXXX ), {$1800.00} to additional principal, with a closing balance {$530000.00}. Their closing balance is {$1800.00} higher. 

Per my usual custom, I made in late XXXX, XXXX, the payment for XX/XX/XXXX - I do not know yet how or to what month that payment was allocated. 

My wife and I were on Holiday during the end of XX/XX/XXXX and had our mail held. We received our mail from the XXXX XXXX early last week ( XXXX XXXX, XXXX ) and opened the XXXX mortgage statement shortly after that, at which time I noticed the discrepancy. I called the mortgage servicing company on Friday, XXXX XXXX ( at about XXXX ), and spoke with their representative. The representative told me that they would correct the error, but she was unable to tell me the date the corrections would be effective nor would she tell me that their closing balance for XX/XX/XXXX would agree with mine. Originally, she told me that the correction would take up to sixty days, when I threatened to consult an attorney, she modified that timeline to ten days. 

Over the remaining lifetime of this loan, the difference of {$1800.00} in the closing balance will result in many thousands of dollars in additional interest ( penalty ) if left uncorrected. With our interest rate being recalculated next month, likely higher, that penalty will be larger.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (TX)

ASG XXXX has attempted to contact someone at my phone number at least 15 times per day in the last 5 days, from 8 different phone numbers. I have screen shots of the last few hour, where Ive received 5 phone calls and voicemails, and 7 text messages of them telling me to call them immediately or action would be taken. I am not the person they are looking for, and I have reached out and told them such, yet the harassment continues. I have threatened to use legal action against them, but they just hang up and call from a new number I have not blocked. The calls come as early as XXXX central time, and as late as XXXX central time. This is absurd and absolutely harassment at this point in time.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (OH)

I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (OH)

I sent out a letter asking for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute and for them To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information they have received from creditor for their investigation of my dispute. i have not received it
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

I wrote Cavalry Porfolio Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from Cavalry Portolfio Services dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus. I received a letter dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which a generic response of this debt is valid or verified, again without any documentation. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from Calalry and myself. After speaking with XXXX today, XX/XX/XXXX, they have removed from my credit file. XXXX refusues to delete even after receiving the correspondences between Cavalry and myself. XXXX is still investigating as of XX/XX/XXXX. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from Cavalry Portfolio Services and they refuses to remove from my credit files.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The TransUnion Credit Bureau is reporting inaccurate information on XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX )
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (MD)

I have a consolidated loan for my child 's school loan. I was wondering if I can get a lower amount then I found out that Navient hasn't been above board with the loans. 
I don't know if I need to still have them take the payment out of my auto payment or should I stop it. 
Am I supposed to get some reimbursement from them. 
Please let me know what my next steps are. 
Thank you.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/21 I purchased a XXXX from Nissan in XXXX on XXXX XXXX XXXX XXXX We paid with a check in full, but the finance manager, believe XXXX XXXX, processed it as a financing " to wait a couple of days until personal check clears ''. The check cleared in XX/XX/21. But at the end of XXXX we received a notice from DMV that Nissan is the lienholder. I have called countless times - every person just transfers to the next without doing anything. We emailed XXXX XXXX at financing department on XXXX he never replied. There is still a lien on our fully paid car and nobody wants to fix this problem. Terrible customer service.
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

I have filed a previous complaint on this company. They have yet to remove the negative items that are causing me extreme financial hardship from my credit report. I was advised to also file a complaint with the XXXX  as this company has a pattern for abusing and violating the fair credit reporting act. Im adding this complaint again with my original complaint. The response received from the XXXX  that this negative information would be removed but still has not. Please see below complaint not resolved. 

On XX/XX/2022, this collections account was added to my credit report. I was not ever notified by XXXX XXXX XXXX XXXX This just appeared on my credit file in the amounts of XXXX, XXXX, and XXXXThe account numbers aren't on my credit report and the companies address is not listed. I haven't ever done any business or heard of either of these companies. Avante XXXX XXXX XXXX did not verify this debt but instead just put theses 3 items on my credit report. This is clearly an abuse of collections tactics. This company has violated the fair credit reporting act. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put these items listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Resolution : These are not my debts! These 3 accounts have been added to my credit file in error. This company failed to validate this debt and put these item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all 3 major credit reporting agencies not to resurface on my credit file again and cease and desist all collections efforts.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On XX/XX/XXXX, my co-tenants and I were given a bill from our previous apartment complex ( XXXX XXXXXXXX XXXX ) to the sum of {$1000.00} for damages and cleaning fees. This amount was owed after our deposit had been kept and used for some of the costs. Payments were made on this debt in the amounts of {$300.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX, Leaving us with a remaining balance of {$520.00}. 

We stopped making payments after those XXXX were submitted and understandably the debt was then sent to Wakefield Payment Solutions for debt collection. On XX/XX/XXXX Wakefield began reaching out to only myself asking for payment in the amount of {$1100.00}. This is more than double the amount we still owed when this debt was sent off, and it is also more than we owed to the apartment complex originally. 

I am the only one of four names attached to this debt that has been affected by this collections account, and no written confirmation of the debt was ever recieved by any of us.
Consumer complaint received 2022-01-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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)

Transunion has violated my rights and is also of violation of the FCRA 15 usc 1692 ( a ) They not only have this incorrectly reporting they have not sent verification of such debt that I allegedly owe. Also Section 609 ( a ) ( 1 ) ( A ), says you are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2022-01-12
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: OneMain Finance Corporation (HI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

My loan is Navient I have been paying for about 20 years and still owe the same amount I try to ask for help but they told me not. 
XXXX XXXX XXXX XXXX Im about to XXXX  I will not have enough money to keep paying
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (TX)

This company calls and harassed me to pay a debt from a medical provider XXXX a medicine for about {$400.00}. That I paid to another company about a month before this company started calling me. I still have not received any receipts nor any proof of payment from the last company. This company is asking for the same payment. When I ask them to send me proof I owe a debt none of the customer service reps can send an email, or letter to my home. Until they can prove this. They need to stop calling because the harassment is too much. Because when I call XXXX medicine Im not getting the same info.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

Once again CitiBank is dropping the ball on a valid dispute of charges ... ( 1 ) A purchase was made on XX/XX/XXXX to XXXX XXXX totaling {$1500.00}. The purchase was for a set of two appliances ; ( 2 ) The two appliances arrived damaged and delivery was REFUSED by me on XX/XX/XXXX ; ( 3 ) I disputed the charge immediately with Citibank ; ( 4 ) Citibank initially gave a temporary credit for the charge, but then sent a letter to me saying that XXXX XXXX said " they had my signature accepting delivery for the appliances ''. XXXX XXXX NEVER said this because it never happened. XXXX XXXX says no one told CitiBank this story. 
-- - Once again CitiBank 's dispute resolution department LIED and claimed a merchant said they had 'proof the charge was valid ' when the merchant made no such statement. They have done this two times previously. Further, CitBank refused to offer proof that the merchant said they had signatures demonstrating the charge was valid -- because there was no such statement made by the merchant. 
-- - Both myself and several family members worked with XXXX XXXX making numerous calls to various departments and XXXX XXXX finally REFUNDED the FULL amount ( on two separate credits ). I sent the REFUND receipt from XXXX XXXX to CitiBank 's Billing Department Twice -- and STILL they refuse to post the Refund from XXXX XXXX. 
-- - Remaining at issue : BOTH the XXXX XXXX  purchase -- and the Refund -- were applied to account # XXXX. Because CitiBank forced acct # XXXX to be closed just before XXXX due to fraud charges, the XXXX XXXX  Refund submitted to CitiBank on XX/XX/XXXX must be TRANSFERRED FROM Acct # XXXX TO the NEW acct # XXXX. I have asked the CitiBank Billing Dept twice now to Transfer the credit/refund submitted by XXXX from acct XXXX to the new acct XXXX. Yet, the current statement now due is showing that CitiBank reversed the temporary credit saying the charge was " found to be valid '' and the full amount is showing due. 

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Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JOHN GIBSON AUTO SALES, INC. (AR)

John Gibson Auto Sales XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX I filed a XXXX XXXX Bankruptcy in XXXX listed John Gibson Auto Sales as a creditor. John Gibson Auto Sales credit account was not reaffirmed nor did the company show up or file a motion to take the vehicle back into its possession. My XXXX XXXX bankruptcy was discharged in XXXX XXXX 
John Gibson Auto Sales is continuously reporting the account as a current account to the credit company XXXX XXXX as 60 days past due. The account was paid in full in XX/XX/XXXX by insurance company, XXXX resulting from a car accident which the vehicle was totaled out, zero Balance. 
John Gibson Auto Sale is committing fraud by report incorrect information to the credit company XXXX XXXX on purpose. The account had been disputed several times and John Gibson Auto Sale report the same information. 
In XXXX, John Gibson Auto Sales report false information to another Auto Dealership by reporting the account was reaffirmed in the XXXX bankruptcy when in fact it was not. John Gibson Auto Sale admitted the error after the damage was done by nor being able to submit a sigh document affirming the account.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

I had three transaction disputes denied on XX/XX/22. These were unrecognizable, foreign transactions that I never authorized and when disputed the operator handling my claim included other transactions muddying the situation due to a language barrier. I tried to make things clear as to what happened but ultimately I am now a victim of theft and there is nothing Wells Fargo is interested in doing for me. I have no choice but to close my accounts with them because I now know if my security is compromised they will allow me to lose everything.