davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (TX)

On XX/XX/18, I was browsing on refinancing my current vehicle. I came across the XXXX XXXX website and just for my own curiosity filled out their form to see what kind of offers were out there. I did not provide my social security because I was not that serious about refinancing. If I had been asked to provide my SSN, I would have stopped right there and forgotten about the whole thing. Next thing I know, I received a credit monitoring alert that my credit report had been pulled. I called Lending Tree to see how this was possible given that I had not provided a SSN. Apparently they do not need you to provide this to be able to pull your credit report and I agreed to all this by clicking on the Submit button because buried deep in the Terms of Service this means I had consented. I admit I did not read all 30 pages of their terms of service prior to hitting the submit button because I thought I was safe considering I had not provided my SSN to them. How is this even legal?? What a scam. They count on consumers not reading the fine print and will continue to get away with this very deceptive business tactic.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

Hello, I am in concern with discover XXXX they have been taking money from unknown accounts of my relatives to my parents to put it in their accounts when I had paid them fraudulent charges along with debit owed. Ex ; XXXX had used the card ending XXXX and widthrew about 5k from my account caused XXXX  and XXXX XXXX XXXX to seize my accounts and now still charged my accounts when the debits are cleared and this is the last time I am ever going to conduct bussiness with them because they had added state of California account to my account and had made payments when my account is at freeze mood. I wanted to know what kind of collection is that and then they send employees and people by paying them who are living as of now in XXXX and XXXX XXXX   who has interests in it and want me to not pursue it because a lot bunch of filthy secrets will be unveiled. I leave this to CFPB to assist or not but following is my demands and need to be met in 14 days.
Consumer complaint received 2018-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change.

I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short.

ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}.

ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount.

ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee.

ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. 

I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. 

A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I did not authorize.
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (UT)

I received a text message on Saturday XX/XX/2018 from XXXX stating I had new activity on my credit report. I signed into my report on XX/XX/2018 to see a new collection from Diversified Consultants Inc. posted on XX/XX/2018. The amount of the collection was for the exact same amount of money that XXXX XXXX XXXX had fraudulently posted to my credit report on XX/XX/2018. 

I immediately called XXXX directly and told the operator about my prior experience with XXXX XXXX XXXX and asked the operator to review the new collection from Diversified Consultants Inc. The Equifax operator confirmed that the new collection was from XXXX XXXX XXXX for {$300.00}. 

XXXX XXXX XXXX posted this same collection on my credit report in XX/XX/2018. I was informed via XXXX via text on XX/XX/2018. I called XXXX XXXX XXXX and the operator told me the collection was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX and the operator confirmed my account with them was in excellent standing and that XXXX XXXX XXXX had not sent me to collections. When I called XXXX XXXX XXXX back the new operator told me that the collection had been paid in full and that they no longer had a collection account for me. The operator gave me this information Account number XXXX Address XXXX XXXX XXXX XXXX, CA. 
I called XXXX XXXX XXXX back with the account and address and XXXX XXXX XXXX had no accounts under this information. 

I am concerned that both XXXX XXXX XXXX and Diversified Consultants Inc. are scams. 

Equifax is removing the new collection posted of Diversified Consultants Inc. over the next 30 days. I will not be making contact with this company due to the fact that XXXX XXXX XXXX has not sent me one notice in regard to my account, which XXXX XXXX XXXX confirmed they would do prior to sending me to collections.
Consumer complaint received 2018-08-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security National Automotive Acceptance (NC)

Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX  again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.
Consumer complaint received 2018-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ARVEST BANK GROUP, INC. (AR)

XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}.

XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please  evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX American Express Bluebird was doing systen updates and having trouble which I was unaware of at the time. During these system updates/failures I tried using my Bluebird debit card at a store, my transaction declined and I was unable to get my merchandise. Confused, because I knew I had plenty of money I tried signing onto the app, the app was down. Next ( within mins of leaving said store ) I went to an ATM to withdraw money, I tried to withdraw {$300.00} but was told I had insufficient funds and could not do so. About a half hour after this hsppened I was finally able to get online and check my balance and transactions. Thats when I realized I was charged for the store transaction as well as the ATM Transaction. I called the bank and was told It happened to msny people not just me but that I would have to dispute those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to have the issue fixed. Ive had to ask twice to have them send it to the correct email!
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

Both XXXX and Equifax have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Consumer complaint received 2018-08-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (CA)

I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines.

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form XXXX  ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from Shellpoint Mortgage servicing.

The response provided by Shellpoint Mortgage Servicing is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
Consumer complaint received 2018-04-22
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: ProCollect, Inc. (GA)

I have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Consumer complaint received 2018-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Before I graduated in XX/XX/XXXX, I was unable to make any student loan payments. During that time, Navient began capitalizing my interest ; so now my ~ {$40000.00} student loan is {$87000.00} ( it was more, but I've paid some of it down ). When I make payments, the majority of my payments go mostly, if not all, to interest ; so my principal hardly ever goes down. While I was a graduate student, Navient called me incessantly on the phone for me to make payments. I constantly told them I had no income other than a graduate teaching stipend ; they offered to reduce my interest rate to 1 %, which allowed me to make minimum payments. In XX/XX/XXXX, Navient increased my interest rates to between 11 % on some private loans to 14 % on another. Over the last 24 months, I made 37 payments ( 13 more than required ) totaling {$12000.00} ; 15 of those payments of {$6400.00} went solely to interest ; none of the 15 payments reduced my principal. Of my last 15 consecutive payments of {$7600.00}, {$200.00} went to principal while {$7400.00} went to interest. Of those last 15 payments, 9 of the payments of {$5000.00} were applied to interest only ... none of it went to principal. My payment history for the last 24 months, showing 37 payments, is included in this complaint. I called Navient two weeks ago to negotiate a lower interest rate ; I also asked them if I could get these loans refinanced by another company would they reduce the capitalized interest to what it really should be ; the customer service representative told me they only do that if I am in default ; they will not negotiate any lower interest rates or reduced interest costs if I am current on my loan. My loan principal is barely receiving any of the funding I am sending. My monthly minimum loan payment to Navient is {$870.00}. However, many times my minimum loan payment is applied to interest only, so loans I took out when I was XXXX will not be paid off until I am XXXX even though I am sending every paycheck to my student loan providers. According to Navient, my only option is to stop making payments with them to force them to negotiate a better rate, which sounds ridiculous. I am being gouged. How can the CFPB help?
Consumer complaint received 2018-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (ND)

Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. 

I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? 

I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.
Consumer complaint received 2018-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

I recently received a letter from XXXX XXXX  ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX  XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. 

However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (GA)

XXXX XXXX allowed someone to use my social security number and they placed an unauthorized credit card in my name on my consumer credit report around XXXX that is in a derogatory status. I notified them on XX/XX/XXXX through CFPB complaint after several attempts to resolve it through them. They responded that it was an error on their behalf and they would remove the account. They did remove the account, but my private personal information had already been accessed by a someone other than me and my credit was ruined. I was denied for other credit products. 

Not only did they not properly validate their applications and NOT protect my privacy, they sold my information to a debt collector AFTER having this understanding with me that this account was not MY account. 

I recently applied for a credit card with XXXX XXXXXXXX and they denied me because they claim I already have a card with them and I do not. This means that they are still reporting that card in their system. This is discrimination because they ruined my credit and they are retaliating against me for reporting their illegal business practices. 

Equifax, XXXX and XXXX are also at fault because they were reporting this information as verified up until XXXX of XXXX ; hence I was getting denied for other credit products. 

My consumer rights have been violated : 15 USC 1681 B 2 A, 15 USC 1681 4, 15 USC 1681 A ( 2 ) B DO NOT REPOND THAT THIS IS NOT ME BECUASE I AM ALSO INCLUSING MY ID. THAT IS A STALL TACTIC THAT YOU USE!