davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

I requested debt owed breakdown since vehicle was sold but never received paperwork proof ( receipt ) that I still owed anything after sale of vehicle by Ford. When I disputed they reduced amount owed however I tried to make a payment agreement after reported me to collection and requested a pay for deletion agreement which they refused to offer and when I called Ford auto finance it was to no avail as I got no answer and was just sent back and forth between their third party collection agency and Ford auto finance. They reported this debt years ago they sold vehicle so where is the proof that I owe on a vehicle I dont possess. Id like to resolve this but with concrete proof of debt in detail sent to me because I have no proof just their word which isnt enough verbally. I also would like a payment plan & removing the negative reporting after I have been trying my best to no avail just want to ruin my credit when I am trying in this most difficult economic times as a single mom of XXXX I still wish to pay my debt if it is legitimately owed with proof and to have someone reach out to me to actually help give a payment plan and remove all their negative reporting when I have been trying my best to pay this debt if owed. It is not easy trying to call a company that gives you the run around and no solutions to help but simply wish to ruin your credit because maybe they have already had this debt paid.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The accounts listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 

XXXX XXXX XXXX : # XXXX Also the address : XXXX XXXX XXXX XXXX, MI XXXX Address ID # XXXX have violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without
a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of infor
mation : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C.6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-08-08
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: CLGF Holdco 1, LLC (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

To Newrez, LLC, Per your Escalation Department at Shellpoint Servicing, Ive requested duplicative correspondences which only two responses were given. It took them months after duplicative correspondences to receive information that two of my monthly payments were applied to the principal only. Im still waiting for the mortgagee to provide signed documentation of my request to apply two of my monthly payments to the principal only. They have not provided that document yet as well as my signature document whereas the mortgagee can apply monthly payments as they wish. Then you all had the audacity to apply late fees on payments that was missed handle. 
According to your servicing company, Ive made duplicative correspondences on receiving my out of pocket reimbursement ( {$1900.00} ) for paying XXXX XXXX XXXX XXXX. I never told them in the duplicative correspondence that it was an overpayment. The payment was never made by the mortgagee, but by the debtor. Obviously, you know the payment should have been sent from my escrow account and wasnt. 
Why was it necessary for Shellpoint Mortgage Svc to make an account review inquiry on my credit disclosure on XX/XX/year> with XXXX, XXXX?
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (NV)

We purchased our home in summer XXXX on a 30 year fixed conventional loan with a monthly payment of {$2800.00}. In XX/XX/XXXX we received an escrow credit check back to us in the amount of {$4800.00}, and our mortgage payment adjusted to {$2400.00}. I contacted Flagstar to verify that this was all accurate and they confirmed it was. Both the credit and the new payment. Our first new monthly payment of {$2400.00} was due in XX/XX/XXXX, which was paid, and again in XX/XX/XXXX, which was paid. I have now received another mortgage statement from Flagstar asking for a payment of {$2600.00} due in XXXX as our escrow account is now short {$980.00}, even though this same statement shows we have a balance of {$740.00} and that the minimum requirement is {$230.00}. None of this breakdown makes any sense. In our XXXX statement our escrow balance reflected {$1800.00} and our XXXX statement shows a monthly withdrawal of {$160.00}, and now our escrow payment is showing {$230.00}, of which neither justify the dent from XXXX escrow balance of {$1800.00} what so ever. I do understand that tax assessments are made and that could potentially adjust an escrow account but that is an annual occurrence and they settled that up with the credit check and adjusted the payment accordingly, or so they said. This payment should have only changed once until next years tax assessment, if thats even what is going on. Now in less than four months I have had three different mortgage payments due all on account of Flagstar calculations which do not even make sense in these statements. Let alone the now moving target that is my mortgage payment. Something is very wrong with how they are arriving at all these numbers and based on my XXXX statement after the credit check was cut back to us that I called to verify was all accurate, a significant amount of money is now missing from my escrow balance. I want an investigation into how they have arrived at all of these adjustments because none of this is making any sense.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I came out of chapter XXXX XX/XX/XXXX. I received a statement from my mortgage company for a delinquent amount. I called the mortgage company and asked how. I did not receive an answer to this question to about the 10th call. When a rep told me that my mortgage was adjusted XX/XX/XXXX. I stated to the rep that I did not receive anything stating that. I was told that they could not send me anything because I was in a bankruptcy. I called the attorney from the BK and he stated they did not receive anything from the mortgage company. I made several calls to this company and the only thing I would get from them was are keeping the property. They would not address the problem of how could I know about the increase if I was not notified. XXXX of this year I called back to customer service and spoke to XXXX ( XXXX ), who took the time to check the records. She searched back to 3 months before the adjustment and notices that no notification was sent out. She transferred me to the dispute dept and I spoke to XXXX ( XXXX ) stated no notification was sent out. She put in the dispute and I would receive a reply by XX/XX/XXXX. I called XX/XX/XXXX, and talk to XXXX ( XXXX ) and he would not answer the question of the dispute. I call back and talked to XXXX ( XXXX ) she did not answer the dispute question but told me the company did not have to send out monthly statements. Sending out statement was a courtesy. Also, it was my BK attorney responsibility to check to see if there was an increase in the mortgage.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

U.S. Bank is currently refusing me access to their online portal, as well as numerous refunds. Many of the refunds are for " disputes '' they initiated without my knowledge or permission, that they reversed. In reality, they were collecting refunds from retailers, renaming them to provisional credits, and then allowing the retailers to charge my card again. The retailers were only convinced to re-issue the refunds after intervention by the State AG. I am also missing the statement dated XX/XX/year> that they refuse to provide. They also have refused to provide me a list of the manual transactions they processed with raising any red flags or submitting a XXXX.
Consumer complaint received 2024-10-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Company involved : Money Network / Fiserv I was receiving my unemployment money through XXXX, who issued me a XXXX XXXX XXXXXXXX debit card. I activated the card and set up all of my payments to be deposited into my personal checking account. I assumed all of my money was being issued and auto-deposited, not realizing that XXXX had switched to Money Network and was issuing payments through a new debit card. I started going through my bank statements and saw that my payments were not deposited, so I went to check on the XXXX website and saw that Money Network was issuing the payments going forward. I called Money Network on XX/XX/year> to ask when I would be receiving my new debit card and how much money was in my account, when I was told all the money on the account was already used ( around {$2400.00} ). I let the representative know I never received the card, and she looked at my card transactions to find it was used for motels, laundromats, XXXX, XXXX XXXX and lots of food. None of those transactions were made by me or anyone that I know or anyone that I authorized to use my card. 

I was told on the XX/XX/year> call that I would be receiving a dispute form in the mail in XXXX days and to send it back within 10 days, on XX/XX/XXXX I still haven't received anything in the mail so I called Money Network again and the representative sent the dispute form again. On XX/XX/XXXX, I received the form in the mail and emailed the dispute form that night ( still within the 10 days deadline ). I called back XX/XX/year> and found out my dispute was denied, so I was told to submit an appeal. I submitted the appeal that day, XX/XX/XXXX. I called Money Network again on XX/XX/XXXX, was told my appeal was denied without any written reason, it was just denied. I asked what are my next steps because I'm being brought into a loop, was told to find evidence that it wasn't me that used the card and submit another appeal. I told the person on the phone there was no way of me being able to prove any of that. The only response back was to send another appeal. 

I don't know how the card was even activated and used, but Money Network is not holding any accountability.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN Is showing an account : XXXX XXXX XXXX amount {$590.00}. This account is not showing on my XXXX account. This is inaccurate reporting and the company and account should be removed from my credit file. 

EXPERIAN Prepared For XXXX XXXX Date generated : XX/XX/XXXX Collection accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 
{$590.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Past due amount {$590.00} Terms 1 Month Responsibility Individual Your statement XXXX : Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 


XXXX XXXX Reported : XX/XX/XXXX {$980.00} Outstanding XXXX XXXX Reported : XX/XX/XXXX {$910.00} Outstanding XXXX XXXXXXXX Reported : XX/XX/XXXX {$320.00} Outstanding
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (WI)

I never received any information about this debt, until it popped up on my credit report, bringing me down XXXX points. Apparently, this fraudulent company does this frequently, according to many reviews, I have read. I attempted to contact them to verify where this debt initially came from, and I got no response. However, it looks like they are trying to fraudulently steal {$2100.00} from me.
Consumer complaint received 2024-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I have tried to use the card according how it is outlined on their website by having the card run as credit ( or debit ) only. Nothing works. 

I called customer service at XXXX on XX/XX/year> and the agent said it is because all the merchants are not returning the information they ( Amex XXXX wants, so it will continue to decline. Keeping this in mind, then why would the merchant try yet again for {$320.00} charge and Amex finally does two {$.00} transactions as pending, totaling {$.00}. If the merchant isn't giving you what you want, then why would suddenly after several attempts would {$.00} go pending? 

It is not the merchant, it is Amex who is holding the money XXXX. 

They said I could try in person, but couldn't guarantee this would work either. 

I have tried using with XXXX, XXXX XXXX XXXX, and USD Reservations. The card is falsely advertised as it will work anywhere, and it indeed, does not. 

Why does XXXX and XXXX process just fine? Why are there thousands of users online who also can't use Amex gift cards, but can use XXXX and XXXX?
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (OK)

My loan was moved from XXXX to EdFinancial earlier this year. During this time there was about 1-2mo period where my loans were being transferred and no payments could be made. I am on a SAVE plan meaning I should accrue no interest as long as my minimum payments are made. My interest accrued during the transfer by several XXXX dollars. I reached out to EdFinancial and they said that since the interest accrued during the transfer period there was nothing that could be done about it. I did not ask for the loans to get transferred. I made all my payments on time. I do not think I should have to pay several thousands more in interest because of a transfer done that I did not ask for.
Consumer complaint received 2024-08-06
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: MicroBilt / PRBC (formerly CL Verify) (GA)

On XX/XX/XXXX, said company XXXX XXXX, ran an inquiry on my credit with XXXX. I have a freeze on my account and I havent applied for anything since XXXX. I would like to understand how this could happen without my permission?
Consumer complaint received 2023-04-19
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. (NJ)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

Hello, On XX/XX/year>, I rented a car in XXXX using XXXX. I got a confirmation ( attached ), which showed a daily rate of XXXX with XXXX XXXX totaling XXXX ( USD XXXX ) Due at pick-up. 
When I picked up the car on XX/XX/XXXX, the rate was confirmed at the counter. 
I returned the car on XX/XX/XXXX as planned and the estimate of charges said XXXX ( they charged me 5 days, instead of XXXX - the car rental was for 3 days but since I returned XXXX hours later than expected, they were supposed to charge me XXXX extra day, not XXXX ). XXXX is approximately USD {$350.00}. 
A few days later, to my surprise, I saw a charge in my Citi credit card for {$850.00}. I disputed the charge saying that I was overcharged {$500.00} and a couple of days later, Citi said that I am responsible for the charge. 
I contacted XXXX and they said the rate fluctuates and there is nothing in the contract that says that. They also overcharged me for the airport location service, which was estimated at XXXX and they charged me XXXX. 
I submitted another dispute to Citi and now they are charging me twice the amount of {$500.00}. 
In summary, I was supposed to pay about USD {$350.00} and now they are making liable for more than {$1300.00}. 
I have been trying to talk to someone from Citi with no luck. I called XXXX times and they couldn't transfer me to the dispute department. XXXX people gave me a phone number and that belongs to another company. 
I appreciate your help with this matter. 
Thanks, XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Panamerican Consulting (CT)

I, was " Solicited " by A Letter in the Mail back in XXXX of XXXX  The Letter offered a Personal Loan- ( Consolidation-Loan ) So, I, Called the Phone Number and Spoke to a Consultant by the Name of XXXX from Panamerican Consutants LLC of Califronia XXXX 
He Said that He would not Reccommend a Consolidation Loan but Offered a " Debt-Reconciliation Program '' This Program would Cost me {$320.00} a month for Sixteen ( 16 ) months! So, I set that up thru my XXXX XXXX XXXX XXXX XXXX as an " ACH-Payment " Payable Once a Month on the XXXX of each Month! So, I have Paid 8-Payments so Far- -- > XXXX $ XXXXXXXX XXXX XXXXXXXXTotal Payments! Last Monday I discovered a Disclaimer on the Regular Website of this Company, so, I, called XXXX Back and asked him about the program and what Am I, getting for my monthly payments? I, do not see where I am Getting any Benefits? 
I, told XXXX that I, was under the Impression that when a Debtor sells off my Debt, I thought they would " Negotiate " a Payoff? 
Their " Disclaimer " says " No " So, I, believe that this is a " Scam "? 
And I, would like a Full Refund? ( $ XXXX XXXX XXXX XXXX XXXX!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ct XXXX ( XXXX ) ( XXXX )
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of unauthorized hard inquiries on my Experian credit report documented below. 

I did not authorize the five inquiries below, dated XX/XX/2023. I contacted Experian to have them removed, but they have failed to do so. 

I kindly request your assistance in investigating this matter and ensuring that these unauthorized inquiries are promptly removed from my credit report. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MO)

I was 3 months late making the payment when I went to make the payment I seen it went from may balance XXXX to over XXXX dollars, I hadn't used the card since XXXX for XXXX so I called and asked for them to explain it she said it was from return check fees which I shouldn't of had because I called and got it off when I was having problems with my XXXX account not putting my direct debit through because my card was off and I couldn't change it myself cause of my phone being broke, so she went back and credit my account for the return check fees and late fees back from may however there is still over XXXX dollars of unexplained fees she said at first it was credit protection which is only XXXX dollars and something a month none of the statements show why there is still over XXXX, I would like to know how that's even possible it only brought my bill down to XXXX, something isn't right with this, and they can't give me a good explanation that fits why there is still over XXXX in fees.