davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

One year ago I used Navy Federal Credit Union to finance my first vehicle. I purchased the vehicle from a small dealership, XXXX XXXX in XXXX XXXX Virginia. At the time of the purchase the vehicle was worth {$8700.00}. The dealership provided a XXXX but my copy did not have the value of the car listed. The vehicle was financed by Navy Federal Credit Union for XXXX at 9 percent. NFCU financed XXXX percent of the fair market value of the vehicle. NFCU allowed me to purchase a vehicle with over {$4000.00} in negative equity. I went to NFCU to apply for refinancing of the vehicle and was told that I could only refinance if I paid down and additional {$2000.00}. Why was it ok for NFCU to finance me into a vehicle that had over {$4000.00} in negative equity and now that I have improved my credit with regular payments for a year and want to refinance they demand an additional {$2000.00}. Why is it ok for a lending institution to finance a car for so much more than it is worth. I thought that a credit union called Navy would look out for me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. This company 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.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have had my account restricted for going on a year now. Months ago I gave up until recently when I needed to send money for an Emergency. With that I loaded XXXX using my PayPal Debit card to my account only to find out My account is still limited so I basically am not allowed to do anything with the money I just loaded into my account. I have no less than 4 times sent PayPal the documents and identification requested by them to verify I am who I am which is the so said reason my account was restricted. It just sits there in the resolution center most of the documents say approved but the CC and 1 other document I sent just sits there saying submitted pending review That has been that way for over a year. Of course you can not call them and forget sending them a message I never have received a response the countless times I have tried contacting them
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (FL)

I called my credit card company to add my husband on my XXXX as an authorized user and not a co-owner. The credit card company refused because I would not give them his social security number. I offered any other find of proof and they still refused. I informed them that under The Fair Credit Reporting Act it was unlawful to deny my request. Their supervisor, XXXX XXXX XXXX # XXXX still refused. Can you help me?
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Genesis Credit Management, LLC (WA)

* Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Systems,Inc. (MI)

For going on 3years i have been trying to work with this company on getting this account removed from my credit, i had an apartment in which i stop paying rent due to repair issues the apartment complex never made. We went to court for non payment of rent, i showed the judge my supporting evidence to my claims why I feel I did n't owe rent. The judge agreed with the evidence and enter a no money judgement and said they would have to open a new case to sue me to determine the final amount owed if any. The apartment complex never did that. The apartment complex sent my account straight to collections where they are trying to collect and i also have them on voice recorder saying they offer a pay to delete. They have also harassed me and threatened to take me to court by their lawyers which never happened.
Consumer complaint received 2015-05-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: IQOR US INC (MI)

Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (TX)

I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Collection Bureau of the Hudson Valley, Inc. (CT)

I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

On XX/XX/XXXX we sent a FAX to our lender requesting a payoff amount for XX/XX/XXXX. Today is XX/XX/XXXX and we have heard nothing. A call resulted in a promise that they would process the amount and FAX in 24 to 48 hours. Who is responsible for the adjustment if the check arrives after XX/XX/XXXX?
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monterey Financial Services LLC (CA)

I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

RE : Dispute of Inaccurate Information on Credit Report Dear TRANSUNION, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law.

I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information.

This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports.

Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. 

The FCRA also gives me the right to sue you if you fail to comply with the law. 
I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action.

Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute
Consumer complaint received 2015-04-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

We had a HELOC with XXXX bank which was to mature at the end of XXXX XX/XX/XXXX We applied for and received a modification for a fixed rate of 4.75 % for 300 months. Letter is attached. We ratified this modification with a payment on XXXX XXXX XX/XX/XXXX and continued to pay the required amount, {$830.00} on XXXX XXXX, XXXX XXXX and XXXX XXXX. See attached statements and XXXX payment letter from XXXX. Specialized Loan Service, LLC took over the servicing of the loan on XXXX XXXX XX/XX/XXXX. See attached letter. We sent our XXXX payment due on XXXX XXXX. See attached check with date stamp of XXXX XXXX XX/XX/XXXX at SLS. They returned our check and never cashed it. I called and was told they had no information of our loan modification and could only accept the full balloon payment of {$140000.00}. See attached statement. On XXXX XXXX XX/XX/XXXX I was advised that I should fax them the information of my modification and then I could make payment. I did so and authorized them to withdraw the payment directly from my account. See attached XXXX XXXX notification of payment on XXXX XXXX XX/XX/XXXX. I set my payment for XXXX XXXX, XX/XX/XXXX to be sent from bill pay from my bank. It is now XXXX XXXX and the payment has not cleared. On XXXX XXXX, XX/XX/XXXX, I received a check from SLS on their check stock for the amount of my payment which they withdrew On XXXX XXXX. See attached. I have not cashed this check. I called them again of XXXX XXXX XX/XX/XXXX, and they are again stating that they can only accept the full amount of the balloon payment and informed me that I am 36 days in arrears. I am making this complaint to document that I have attempted to comply with my loan agreement as established by the previous loan servicer. I am not getting any help from SLS at this point and am worried about what they may do to my credit. Other complaints about this company have a similar story.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. 
We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.
Consumer complaint received 2016-12-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: United Student Aid (USA) Funds (PA)

I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CONRAD CREDIT CORPORATION (RI)

CONRAD DEBT COLLECTORS IN CALIFORNIA ; THEY PUT A LEIN ON OUR HOUSE FOR??????? 
WE HAD NO CHOICE BUT TO PAY {$1600.00} TO CONRAD CORP FOR NOTHING. IF WE DID N'T GET THE LEIN OFF WE COULD NOT REFINANCE. SO WE HAVE BEEN PAYING THESE PEOPLE MONEY FOR NO REASON. 

THEY THREATEN, ABUSE, AND THEY KEEP DOING THIS AND I KNOW I AM NOT ALONE. 

IT BEGINS WITH XXXX. THOSE OF US WHO BOUGHT A TIMESHARE AT XXXX IN XXXX XXXX 'S ( WE BOUGHT OURS XX/XX/XXXX ) ARE GETTING CHARGED BY XXXX FOR XXXX FEES EVERY YEAR FOR WHAT???? 

XXXX WENT BANKRUPTED. THEREFORE XXXX MEMBERS WHO BOUGHT XXXX FOR THEIR " HOME '' ( WE NEVER EVEN STAYED THERE BUT YOU NEED A HOME BASE TO USE XXXX ) WE USE THE EXTRA WEEKS AND PREFER TO PAY XXXX THE {$170.00} FOR THE WEEK SOMEWHERE. OUR CHILDREN WE 'RE TO USE THIS FOR THEIR HONEYMOONS. 

THAT WAS THE MAIN PURPOSE FOR THIS PURCHASE FOR FAMILY TRIPS. 

SO BECAUSE XXXX WENT OUT OF BUSINESS ANYONE WHO BOUGHT AT XXXX ARE OUT OF THOUSANDS OF DOLLARS. A XXXX XXXX AS I HAVE RESEARCHED THIS FOR YEARS JUST IGNORES ALL RESPONSES. 

FOR THOSE THAT ARE STUCK BECAUSE WE ARE STUCK AS CONRAD WHO COLLECTS THE FEES FOR A CLOSED HOTEL KEEPS PUTTING LEINS ON HOMES. ALOT OF PREVIOUS OWNERS GAVE IN AND MADE DEALS WITH CONRAD. PAYMENTS THAT ARE NOT OWED TO THEM. 

THESE PEOPLE IN CALIFORNIA ARE MEAN. THEY THREATEN TO TAKE YOUR HOME AND THEY DO!!!! AND SOMEHOW CAN PUT A LEIN ON YOUR HOME, HOW? 

I AND XXXX OF OTHERS ARE STUCK. NO HOME BASE=NO XXXX. 
XXXX WANTS THE PEOPLE WHO BOUGHT FROM XXXX, XXXX, TO DEAL WITH IT. XXXX WILL NOT HELP. 

YOU NEED TO BE AWARE OF THIS AND IF YOU GOOGLEXXXX+XXXX+CONRAD A HUGE GROUP IS WAITING FOR SOMEONE TO HELP. COULD YOU HELP US PLEASE? 

I CAN BE REACHED AT XXXX. ALL WE REALLY NEED IS XXXX TO GIVE US A HOME BASE SO WE CAN BOOK. OUR PURCHASE FROM XXXX/XXXX DOES N'T EXPIRE UNTIL XX/XX/XXXX BUT WHAT GOOD DOES IT DO IF YOU CA N'T EVEN LOG INTO YOUR XXXX ACCOUNT BECAUSE XXXX LOCKED US ( XXXX BASE HOLDERS ) SO WE CA N'T EVEN GET INTO XXXX. 

PLEASE HELP THIS HAS BEEN GOING ON FOR OVER 10 YEARS. I HAVE PAID THIS CONRAD PEOPLE OVER XXXX FOR NOTHING BECAUSE THEY KEEP PUTTING LEINS ON OUR HOME AND OUR LAWYERS TELL US WITH A LEIN YOU HAVE TO PAY IN ORDER TO REFINANCE. THAT IS FAIR? 

PLEASE, PLEASE I HAVE BEEN FIGHTING THIS FOR EONS. 


THANK YOU IN ADVANCE. 

REGARDS, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AR)

I have repeatedly contacted this company by mail, telephone, and through credit bureaus requesting the items below. The company has failed to respond to my many requests and has allowed inaccurate items to remain on my credit report, causing financial and emotional distress. I have copies of receipts from certified mail sent to them, as well as dispute letters sent to them and the bureaus requesting the information be removed and information requested be sent to me.
Consumer complaint received 2015-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.
Consumer complaint received 2015-11-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EMG ACQUISITION GROUP, LLC (CT)

None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.