davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I had {$25000.00} of federal student loans serviced through EdFinancial. I made {$20000.00} of payments to these loans which EdFinancial correctly states. I refinanced the remaining {$5000.00} of loans through XXXX on XX/XX/23. It has been nearly two months and EdFinancial has not reflected this final payment and has even accrued interest on the amount that should have been paid off. I reached out to XXXX and received proof that they made this payment to EdFinancial on XX/XX/23 and it is attached to this complaint. I reached out to EdFinancial and they only shared me payoff information that I made myself and did not address how the remaining {$5000.00} is not being reflected. This was after a phone call and many emails that were not responded to.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

XX/XX/XXXX, we started making extra principal payments due to a car loan being paid off. We either make 2- {$400.00} payments or 1- {$800.00} payment each month. My Mortgage payment is {$900.00} ( {$890.00} ). On XX/XX/XXXX I checked our Mortgage Statement and in XX/XX/XXXX, Nationstar started mixing up my principal payments and mortgage payments. When I make my principal payments, I go thru their system, and check off " make a principal payment '', so clearly there isn't an issue. I called XXXX and explained to him what is going on. He said he would fix it and it would take 24 hours. So since I am trying to keep track of my balance so I can pay off my mortgage early, I checked after my two payments - one Mortgage, one principal were cleared from my bank at the end of XX/XX/XXXX. To my horror, the payments again were mixed up - the {$800.00} payment was marked as Mortgage and my {$900.00} payment was marked as principal. AND now my statements as far back as XX/XX/XXXX are also all messed up. I called again and the lady said the system always takes in the mortgage first ( and according to my bank statement it did ), but their system did not do it the way she said. It got them backwards. Today, XX/XX/XXXX, I tried to make a principal payment and now their system tells me I need to make a mortgage payment first. Which I did and it cleared my bank on XX/XX/XXXX. To say that I am mad, is an understatement. I just made copied of my bank statement, all of the copies of my mortgage payments, all of my copies of my principal statements plus a copy of my mortgage statement showing them of all of the mixups.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I am writing to file a formal complaint regarding inaccurate reporting and identity theft perpetrated by XXXX. As per the Fair Credit Reporting Act ( FCRA ), inaccurate reporting of accounts and identity theft are serious violations that require prompt resolution by credit reporting agencies. 

The issue at hand revolves around an account erroneously reported by XXXX in association with CBNA ( Citi Bank/Best Buy ). It is noteworthy that XXXX is the sole credit bureau reporting this account, and not only that, they are also reporting a late payment associated with this account. However, I want to assert unequivocally that I have never had any affiliation or dealings with CBNA. 

Both XXXX and XXXX, after thorough investigations, have acknowledged the erroneous nature of this account and have duly removed it from my credit report. Despite repeated requests and the submission of evidence regarding identity theft to XXXX, they have failed to take appropriate action. Furthermore, Citi Bank/Best Buy has advised me to contact XXXX directly to rectify this issue, yet XXXX has persistently refused to cooperate. 

It is imperative to emphasize that this account does not belong to me and has never been associated with my financial history. Therefore, I demand immediate action from XXXX to remove this inaccurate and fraudulent entry from my credit report in compliance with the FCRA. 

I kindly request your assistance in ensuring that XXXX addresses this matter promptly and takes the necessary steps to rectify their reporting in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (TX)

I had several personal loans with XXXX that all went to collections at once. In the span of less than 2 weeks about a year later, I paid off every single one. 1 was done on a particular date ( Loan ID XXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other 6 were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). I have disputed this so many times with XXXX ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact XXXX, they say that THEY confirm the balances are all paid. When I contact the collection agency they used, TrueAccord, they say they see my payments as all being made but that the report has to cone from XXXX to XXXX to confirm it. And then XXXX again still says it remains. This has now been paid off for nearly 3 years but still shows as me owing a balance while all the other accounts show as paid.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This is by far a very XXXX  company. 
I was never late on my account. They called me, harassed, gave me a late payment when I was never late. I was on the phone for hours. XXXX XXXX and XXXX XXXX are frauds. XXXX XXXX in XXXX are the lowest caliber. They also pulled my credit without my authorization on XX/XX/2023. The same day I spoke to this office. They create problems when I was never late in the first place. XXXX in customer service is where this started. Its criminal what this guy did. There is no accountability, creating risk, unsound business practices. My Counsel sent a demand letter and that was ignored. This company thinks they can do anything they want. The CFPB needs to step in and investigate. There are so many violations committed and the CFPB allows the constant unlawful behavior. The millions of dollars fined did not change anything. Its much worse. The director of the CFPB was emailed about this matter from my Attorney.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TX)

I had several personal loans with Affirm that all went to collections at once. In the span of less than 2 weeks about a year later, I paid off every single one. 1 was done on a particular date ( Loan ID XXXXXXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other 6 were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). I have disputed this so many times with XXXX ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact Affirm, they say that THEY confirm the balances are all paid. When I contact the collection agency they used, XXXX, they say they see my payments as all being made but that the report has to cone from Affirm to XXXX to confirm it. And then XXXX again still says it remains. This has now been paid off for nearly 3 years but still shows as me owing a balance while all the other accounts show as paid.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Spring Oaks Capital, LLC (IL)

To Whom it may Concern Im writing this letter in regards of my credit standing. I would like to dispute the negative remarks from XXXX XXXX XXXX ( both accounts ), the information is inaccurate and I was not aware of one of the accounts closing. I paid them {$170.00} and I had no idea the account was closed at the time. For both accounts Ive tried to work a payment plan but was refused which is frustrating and its reflecting on my credit report. If any resolve can come from this please let me know.
Consumer complaint received 2024-01-30
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: Harley Davidson Financial Services Inc (TX)

On XX/XX/XXXX I notified Harley Davidson Financial that despite the XXXX letters that I received from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that my credit reports would reflect a XXXX balance and issuance of a 1099 C in XX/XX/XXXX, XXXX XXXX XXXX immediately notified XXXX after my phone call, removed the previous dispute remarks, added a remark that stated the data furnisher is furnishing accurate information and dropped my XXXX score XXXX points in a matter of minutes on XX/XX/XXXX. This is punitive, the Harley Davidson representative yelled at me and told me I owe XXXX. 
THIS IS THE THIRD TIME I HAVE COMPLAINED TO THE CFPB. This is unethical! Where is the oversight? Please help me, please. It has been XXXX year since my initial complaint to the CFPB about this matter with Harley Davidson and the letters I received on XX/XX/XXXX and XX/XX/XXXX stated it could take up to 90 days to accurately furnish the XXXX balance information to the CRA 's, however it takes less than XXXX minutes after a phone call to Harley Davidson on XX/XX/XXXX for Harley Davidson to notify XXXX and delete, change, and add remarks to immediately drop my credit score. I must commend data furnishers who are savvy enough and well equipped to tweak comments without reporting accurate information to drastically drop a consumers credit score. Brilliant! Harley XXXXavidson is winning the battle, XXXX day in XXXX when this information falls off I will win the XXXX. Unfortunately in the mean time I suffer loss of opportunity and unnecessary undue financial harm. This motorcycle was surrendered with less than XXXX miles from when I purchased it, yet depreciated XXXX in less than XXXX year.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

I currently bank with current bank and I had a deposit for {$1700.00}. Going to my bank at the time? I didn't have my card with me. So I had linked my XXXX XXXX to it. And I just could withdraw {$250.00} at a time. And I was out of town in XXXX at this. At the same time so I don't know if that made it worse or not, but I left {$460.00} in there. The next day I tried to get it out and it said my account had been frozen in under review that was I believe XX/XX/XXXX ever since I can not get any. Money out of my bank. I can't withdraw. I can't transfer. I can't do anything with my bank. They ask me to send in a bunch of documentation. And I sent in everything they asked more than once when they first blocked. My regular email. I had to use a new email to send them the information. Because my email would not send them none of the documentation. And now they're telling me that my it's still gon na be under review. And I need my money
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (OR)

In XX/XX/2023 I escaped a dv situation, with a restraining order and divorce. I became a single mother, with half my previous income. 

I exhausted my savings, and occured significant credit card debt to maintain my mortgage payments, to not fall behind as a rental payment would be about the same, not to mention the negative affects on my credit that will add barriers to housing there after. 

I applied for a loan modification at the end of 2023, and was denied. I was told that because I am not missing payments even though at risk to, I can not get assistance until I do. 
I was offered a deferment. Which meant skip XXXX  months to pay a lump sum of XXXX months at the end. Which kinda sets me up for failure. I was told to sell, defer, and there was no further options for me. 

Can't refinance, can't get loans, because my dti ratio is too high. Because my mortgage is too high, and although I have a good paying job, it's not enough as a single income. 

I paid out XXXX I didn't have, to reduce what I can by removing my mortgage insurance. Unfortunately although XXXX XXXX got my check. They sat on it and waited over a month maybe XXXX, to even submit for the appraisal to remove it. Which delayed the only small reduction I have available to me, by XXXX to 2 months. 

I have contacted every nonprofit in XXXX XXXX, who all directed me to speak with my servicer. 
Other services would be happy to help, but, my servicer is not them. 
I spoke with every resource I can find, I was given. 
HUD hope XXXX, all suggested I speak with my servicer since my income is less than my monthly expenses and I'm in imminent risk. 
Who will not even speak with me until I miss a payment. 
Or homeowner assistance fund, which is closed to new applications, while requiring my local hah ( access ) to apply for me, whom won't help me unless I was renting. 

I even called Fannie mae, who backs my loan. And they directed me to work with my servicer for relief due to financial hardship. 

So I spoke with newez twice more today, to still be denied, and provided the same resources I already called prior, that sent me to call them in the first place. 

I'm being ran in circles trying to salvage my life, keep my home, and maintain what credit I have left after the debt I was left with by my abuser, while accruing more to feed myself and my son. 

I'm not asking for a hand out. But timely processing of my mpi removal would have been nice since it's the only thing I had to alleviate my expenses. ( I already removed and reduced every single thing I can at this point ) And a simple modification to make this more affordable. XXXX there is no options out there for a single parent when it comes to a mortgage, with a servicer that refuses to help until your already in a hole.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AK)

dear WF/XXXX  I am filing this complaint a 2nd time with the cfpb because you guys have not taken my identity theft seriously. " you said in your response you contacted your Fraud Department for a reconsideration of your claim. It was confirmed the fraud claim will remain denied as the merchant provided documentation showing the item was delivered to XXXX XXXX XXXX XXXX, XXXX, AK, XXXX, which was the address i resided at during the time of the application ''. i have never resided at XXXX XXXX XXXX XXXX, XXXX, AK I'm attaching XXXX rental leases and a statement from OverWatch Real Estate Management showing where i was living when this fraud took place also in your statement you guys admitted to reporting this account inaccurately to the credit bureaus and that a violations under the FCRA so this account must be deleted from your credit reports
Consumer complaint received 2023-09-06
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023, 6 fraudulent charges were made on my credit card without my consent in XXXX Texas. A charge for XXXX for {$47.00}, a charge for XXXX Auto parts for {$95.00}, a charge for XXXX Auto parts for {$25.00}, a charge for XXXX XXXX  for {$32.00}, a charge for circle k for {$4.00}, and a charge for XXXX  for {$8.00}. In between the circle k fraudulent charge and XXXX XXXX  charge is a XXXX XXXX charge which was made in XXXX XXXX Texas, which I legitimately used my card to make a purchase which is about XXXX miles away from XXXX Texas. A couple days after I had found the fraudulent charges I called USAA and they started the fraud investigation. A month later USA decided that I was liable for the fraudulent charges but I was in XXXX so I couldn't get back to them via phone so when I arrived back in the United States on XX/XX/XXXX I ask to reopen the fraudulent case. On XX/XX/XXXX, XXXX decided again the hours liable for the fraudulent charges even with a written statement explaining the situation. I called you USAA to find out the times for when the transactions were made but USAA was not able to come up with the times for the transactions that's the general date. USAA said they would call back but they never did. They said because the credit card chip was used in the transactions, I was at fault even though I had my own physical card in my possession XXXX miles away. Also the purchases do not match my purchase history or habits. Thank you for your time. 

I have attached my credit card purchase history for USAA and also my XXXX  XXXX card where I made a purchase in XXXX Texas for XXXX 's restraunt, which I believe is during the same time the fraudulent charges took place. I tried to get more information but USAA has failed to help me out.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am currently in the process of filing for an SBA to start a franchise and they are holding the loan in limbo until I can get " A COMPLETE REMOVAL '' of this billing. If not resolved this week they will have to release the property for our business and there are multiple franchises bidding for this property. I have $ XXXX cash of the $ XXXX needed. So when the loan was refused I got my credit report and had a few things that were of concern. Biggest concern was the NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX. They have a lease agreement with my son and his girlfriend but I did help them with the rent a few times. They ended up having to break the lease during XXXX. Both entities ( XXXX and XXXX  ) have reviewed the lease and agree that I was not on the lease but only listed as a tenant because I was helping them with rent and at times I would go there to take care of their dogs when working long hours. They have also agreed to send me the documentation stating these facts, which I will send as soon as I receive it. I have attached the final bill and the lease which has my sons name as well as his girls friends as the billed individuals. My name is not on the bill or the leases.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Firstly, I am writing to dispute the collection of the sum of {$190.00} by Sunrise Credit Service. Sunrise Credit Service is a third-party collection agency for XXXX XXXX XXXX XXXX XXXX I explained to XXXX XXXX XXXX  that I never activated or even switched on the XXXX I purchased and later returned it within XXXX XXXX XXXX XXXX 7-day return policy. I also called XXXX XXXX XXXX about the XXXX on the phone I returned but was told the phone number was never activated, so I was good. 

Secondly, I am also disputing a charge on my XXXX XXXX debit account related to the same XXXX purchase on XX/XX/year>. I purchased an XXXX in the amount of {$550.00} and paid for it in full. The monthly charge will apply every month at the point of purchase. The phone arrived at my house, and I discovered it was unsuitable for me, so I returned it within four days of delivery. This is within XXXX XXXX XXXX 's 7-day return policy.

I called XXXX XXXX XXXX confirming the return of the phone, and there was no complaint about the refunded XXXX, but I have not received any payment refund for the returned item. When I called XXXXXXXX XXXX XXXX  to inquire about the status of my refund, I was told that the refund was processed to my debit card account with XXXX XXXX 

However, when I checked my XXXX XXXX account history, there was no record or evidence of any refund received from XXXX XXXX XXXX. I have checked my transaction history multiple times, but there is no sign of any deposit matching the amount of my refundXXXX XXXX XXXX  was unable to resolve the issue and confirmed there was no refund to my account. 

Therefore, I believe there XXXX have been a mistake in the refund process or fraudulent activities that occurred during the return process. I request that the Consumer Financial Protection Bureau investigate this issue and seek appropriate action to rectify it.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, XXXXXXXX XXXX XXXX XXXX, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXXXXXX XXXX XXXXXXXX with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.