davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Having my federal loans approved for dismissal under the Biden-Harris Administration since my school The XXXX XXXX XXXX XXXX engaged in unlawful conduct, i applied for the Navient School Misconduct Application . I attended the XXXX XXXX XXXX XXXX between XXXX. 

After submitting my application with ample evidence, navient said i did not qualify. the reason they gave was : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' The fact that The U.S. Department of Education loans will be discharged based on an ED finding that XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment and this conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, is a clear indicator that all loans should be discharged whether federal or private. Navient needs to resolve this issue immediately.
Consumer complaint received 2024-09-13
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: Exeter Finance, LLC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a vehicle from a dealership with a loan from credit acceptance. The vehicle loan was for over XXXX. I could no longer afford the vehicle so I had informed them after making payments on the vehicle for about a year. They sold it at auction for {$1400.00}. and now I have an income execution for {$14000.00}. Why was this vehicle sold at such a high rate and only so little time the vehicle was well-maintained and in good shape they had waited almost 4 years to provide any kind of information as to why they had sold a vehicle so much money again I voluntarily surrendered the vehicle because I no longer could afford it. I was out of work now I have a judgment of {$14000.00} and theres no way that could be paid, I would like help with this situation Thank you
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NJ)

We had been in forbearance from XX/XX/XXXX to XX/XX/XXXX XXXX the loss of my job. While in forbearance we underwent needed repairs and refurbishment of the property in preparation for sale. Upon the completion of the forbearance period, the company sent us an email describing further options available to us if we were still facing a hardship. 

We inquired whether we could modify our loan to include the amount in arrears, and to resume payments at a level we could afford, until we can sell. We want to stay current in some fashion on the loan so we can keep our credit rating at a level where we could manage to find housing after the sale. Our single point of contact at the company, with who we have been instructed to work, has up until now failed to respond to this request in any way, continuing to ask questions regarding our intent with the property which we have answered on multiple occasions. 

Previously this summer, while still in forbearance the company reported us in delinquency, resulting in a huge drop in our credit score. With your assistance that was reversed. We ask your assistance again in helping us to meaningfully communicate with the company to work out a resolution. 

We want to work with the company to resume payments ( although at a lower monthly level ), stay current, and allow us to sell the propertry.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (DE)

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 XXXX out of XXXX 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. these are the accounts : XXXX - XXXX
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Have been making payments to Navient for years and recently I was XXXX  for 4 months but receiving XXXX  benefits. I tried to continue payments however, had to stop to ensure basic household expenses were paid. When explaining this to Navient they said that was unacceptable and needed to find a way to pay or they would start legal proceedings against me and sent a letter stating that. Ive tried to explain that when I first started re-paying the loan it was more than {$10000.00} and after a few years of repayment, its still over {$10000.00} with no headway. They said it has to do with the interest rate, which I understand but at the rate of repayment, it would take more than 15 years to pay off. They call 5 to 6 time per day with the same message, when can we expect payment. I also explained, I just started with a new job that doesnt pay as much as the last and its state government and we get paid once per month and dont have the extra funds to make a payment in the middle of the month but if the payments could be a little lower I could pickup the payments. To them thats unacceptable and dont have any other means to pay. They continue to ask about my co-signer and she passed away on XXXX  and cant help. I know I owe the money and will pay but something has to give.
Consumer complaint received 2024-09-13
Product: Credit 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. (CA)

On XX/XX/year>, I had my XXXX and phone wallet case containing my Costco Credit Card by Citi and other things stolen such as my Social Security card by a group of at least four female robbers in their XXXX 's whilst shopping at XXXX  in XXXX, CA. I immediately informed the XXXX employees and right afterwards filed a police report in-person at the XXXX XXXX XXXX XXXX XXXX The police report number is XXXX and the two deputy 's last names are XXXX and XXXX XXXX I showed XXXX XXXX XXXX XXXX {$430.00} charge the robbers had made on my Costco Credit Card by Citi when filing my police report in-person and later submitted a screen shot of it to them. The robbers also attempted a {$580.00} charge at XXXX XXXX in XXXX, CA while I was filing the police report on the same Costco Credit Card by Citi but I had already locked the card before they attempted the charge. The robbers also attempted to use a different credit card of mine that was in the phone wallet case they stole from XXXX  XXXX XXXX to place another {$430.00} XXXX charge but XXXX  XXXX XXXX flagged it as suspicious so the charge did not go through. I also placed a freeze with the three nationwide credit bureaus and placed an initial fraud alert on my XXXX credit report on XX/XX/year>. I disputed the {$430.00} XXXX charge that went through on my Costco Credit Card by Citi twice providing the police report number and the dispute was denied. I went to Citi in-person after the dispute was denied to try to get a refund for the charge but was told Citi wasn't the credit card company so they couldn't help me.
Consumer complaint received 2024-09-13
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MS)

XX/XX/year> Wrote a letter asking for my signature or my consent for them to pull my credit, run and inquiry ( me apply for a loan from their company. No reply no response.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MI)

I have never used Chime nor knowingly applied for a Chime account. 

I received three emails to an XXXX email address I never use, between XXXX and XXXXXXXX XXXX informing me that a Chime account had been opened, that my XXXX XXXX application was almost complete, and to download the Chime app. I XXXX  for a way to contact the company and settled on a phone number ( XXXX ) XXXX. 

I pressed three to speak to someone about suspected fraud. The first time the phonecall dropped after a pre-recorded message that the call may be recorded. The second time I spoke to a gentleman named XXXX who was polite and professional, but would not close my account using the email I could provide alone. He wanted me to provide additional verification. I declined knowing that this could be part of an elaborate scam to collect even more information. 

Of the emails I received, none asked me to confirm the account creation using a link or phone number.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, fraud was committed against my account. Four seperate charges in the amounts of XXXX, XXXX, XXXX, and XXXX were charged on my account between XXXX and aproximately XXXX from a purported vendor that I never purchased from before. I reported the fraud and confirmed it the following day. My previous card was canceled and a new card issued. In XXXX I received notice mail that the purported vendor sent " proof '' of the transactions and that the " goods '' were " delivered '' and that all the charges were to be added back to my account, despite the fact that I never received notice by mail of this purported " proof ''. When I reviewed the " proof '' which was a " invoice '' it was clearly fraud. The each seperate invoice indicated that the transactions occurred from seperate IP addresses located in XXXX, XXXX, XXXX, and XXXX. Further, I am the only one with access to the card, the invoice used an email address that I never used, the invoices contained no itemization of the alleged purchased items, and the invoices contained no tracking number. The only information related to myself was my name and address. I have called the bank several times disputing these charges and explaining that their investigation could not logically conclude that this was not fraud based on the information provided by the purported merchant. The bank suggested I call the merchant, which is an insane request given that they committed fraud against me, but I was willing to do so while on the phone with the bank, but to no surprise the alleged merchant did not pick up, and when you XXXX the merchant, nothing comes up. I also indicated to the bank that their investigation was cnegligent given that the " proof '' submitted by the vendor established fraud rather than dispelled it. I refuse to pay this amount and interest in aproximately {$10.00} has been levied on my account. Worst of all do to this amount being reflected as credit usage, my credit score went down XXXX points. XXXX has been outstanding since XXXX and on the most recent call with the bank, they claimed that they had up to 180 days to resolve this matter and was also very rude. I was looking at the market to buy real estate or a vehicle and I will have actual damages if I am stuck with a higher interest rate due to my credit score being lower. I have expressed this to bank representatives, but they clearly do not care. I need help resolving this matter as soon as possible.
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (WA)

On the XXXX of XXXX 2015 my US BANK debit card got stolen. The XXXX thing before calling the police that I did was to call the bank to block my card. They claim a XXXX service and ironically could not block the card as there was a server maintenance and upgrade was in process ( which is ridiculous ) and the thieves took out all my savings through XXXX! Being an XXXX studies in USA, It is extremely disappointing to experience such low standard customer service. Even a XXXX like XXXX has a XXXX times more better customer service than what I experienced here! The bank wanted me to file a fraud claim with them so that they could credit the stolen amount and investigate on the case. Later if they find the fraud activity to be true the credited amount is mine and if not they would take back the money. I did all the form filling and submission and the police report submission on the third day that is XXXX of XXXX, well within the time limit. But I did not receive a single update on the proceedings. I have called them every XXXX days until today, and the only thing I get to hear is I am on hold. Today I was on hold for more than XXXX minutes and then eventually they schedule a call back for me which can take more than XXXX hours and I am supposed to just wait. They wanted me to wait till the XXXX of XXXX to call them back. So I waited patiently hoping to get the provisional credit by then. Nothing happened and not even the fraud department knows an answer as to why such a delay. I have not eaten food or paid my rent or my tuition fee in school as I am just waiting for a simple response from the bank. Even XXXX students are much more professional and responsible than the US Bank customer service. Extremely unsatisfactory performance. I feel that either they do not understand the severity of the situation or they just do not bother! I am helpless and have been through a lot.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (LA)

I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with XXXXXXXX XXXX ( Originator ) & SPRING OAKS CAPITAL LLC., and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible.

o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION (FL)

Mortgage Loan : XXXX I am the borrower in the above mentioned Mortgage Loan. 

Principal Balance in the above mentioned Loan is $ XXXX [ XXXX XXXX ] as of XX/XX/year>. Lender is holding an Escrow amount of {$5800.00}. Monthly statement dated XX/XX/year> is attached herewith and shown as " XXXX XXXX ''. Borrower requested a Payoff ff statement on XX/XX/year> and the Lender provided me with a Payoff amount of {$30000.00} including the County Recording fees which is shown as " XXXX XXXX ''. On XX/XX/year>, borrower contacted the Bank regarding the Escrow amount settlement. As per the statement from the Lender 's Representative, " Escrow amount will be released on a later date after pay-off and there may be additional charges which may be deducted from the Escrow amount and " whatever balance leftover '' will be returned to the Borrower ''. Borrower requested a written statement from the Bank about the additonal charges/deductions from the Escrow account and the Representative refused to provide the same It is clearly evident from the above that the Lender is not intending to close the Mortgage in a clear and transparent manner. This is clearly an embezzlement of Escrow Funds. 

Borrower is intending to Payoff this Mortgage at the earliest and not later than XX/XX/year>.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEXA Mortgage, LLC (HI)

Mortgage junk tried to give me a bill of XXXX  XXXX. Without even doing the loan. Or even getting me term sheets. Or qualify me. Scam company. 

Company info. 
XXXX XXXX XXXX XXXX  Originator Nexa Mortgage.LLC XXXX  # : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

GOODLEAP LLC XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

It was on XX/XX/XXXX I went to the XXXX XXXX emergency and I received a bill from cause my insurance company was not able to cover it.and I requested some support from the state.they paid everything out for the department and I still have to pay the {$1700.00} for XXXX  and I was unable so they reported me to the collection ( XXXX XXXX XXXX a division of XXXX, XXXX ) they were keep sending letters to my new address.since the collection was really destroyed credit I was even unable to an apartment or car rent I requested to the state if they can help me, after a day I received a notice from the state where the amount was reduced and I had to set up a payment plan for that. I started paying biweekly and I stopped to {$640.00} or {$630.00} without paying that so the amount was reported to my credit report with ( MBA LAW ) So at the end of XXXX of the year the company ( MBA LAW ) called me they had a proposition for instead of paying the full amount ( {$640.00} ) I have to {$340.00} and the collection will be removed from my account I agreed and I gave them my XXXX  card so they set up the payment on the next coming Friday ( XX/XX/XXXX ) And after talking to them the company sent me a confirmation letter to make sure if it was me. So on the date that weve agreed for the payment they received money at XXXX XXXX  After two weeks the collection was removed from my account. 
But I was surprised to the XXXX XXXX XXXX reported the same amount of {$1700.00} to my credit score.on XX/XX/XXXX. 
Also on XXXX XXXX I first called them they were trying to make some business by asking my credit card to set up payment. 
Cause my English they were keep lying to me. 
So I went to web site find their email address I sent them an email including the letter from MBA LAW as an evidence of my payment And I told them that Im going to report them if they want to mess up with my life here. 
They texted me back by saying the amount was reported by XX/XX/XXXX from XXXX  I explained them like I explained to you guys. 
She asked me the picture of the bill included the letter from MBA LAW. With my last four social numbers Until now nothing changed, they keep reporting the amount on credit report which infecting life here, I cant do anything else And I dont where else to go or report. 
Please do help me.