davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have an issue with the way USAA applied my {$760.00} in payments on my account. I have a promotional balance on my account which dates back to XX/XX/XXXX. Since then USAA has been applying my payments arbitrarily mostly to the promotional balance and not paying off my purchases balance. I really hadn't paid any attention to it until this recent statement. I used their card while traveling abroad. The minimum payment had been met on the card in XXXX. However, once I got home, I paid 2 payments one for {$200.00} and the second payment in the amount of {$560.00}. The total purchases made during the XXXX statement were {$830.00}. To my surprise on my XXXX statement, I was charged interest on {$690.00} in purchases. Of the {$740.00} USAA applied {$590.00} to my 0 % promotional balance and {$160.00} to my purchases with a 17 % interest rate. As I looked back through my statements this has been an ongoing trend. I would pay over {$100.00} a month and instead of paying off the small balance of {$13.00} for XXXX. They would apply the bulk of it to the promotional balance and leave a small purchase fee to charge me interest on. 

On the XXXX statement that 0 % promotional balance was {$4900.00} ; The XXXX statement my promotional balance is {$4300.00}. After calling a couple of times and receiving the run around I decided to file an compliant. According to the Credit Card Accountability and Disclosure act passed in XXXX ; after the minimum payment is met the creditor must apply payments to the balances with the highest APR 's. I was told there was nothing a rep /manager could do to adjust or fix this error.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

CFPB complaint Filed XX/XX/XXXX Case # ShellPoint XXXX XXXX XXXX, XXXX CA XXXX XXXX said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for XXXX and XXXX, and therefore underwriting will likely require the homeowner to file taxes for XXXX & XXXX. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written and signed statement that they have not filed income taxes. I also reminded ShellPoint that in California the homeowner can not contribute to a short sale, and since the profit & loss statement is proof of income, they will have to make a decision based on what they have been given. 

Why is ShellPoint trying to force the homeowner to file income taxes? They are being stupid. I want ShellPoint to follow servicing guidelines. If ShellPoint wants the taxes to be filed - are they going to hand over the {$500.00} for each year of taxes so the CPA can file them? The homeowner certainly does not have that kind of money. 



In California, the lender can not ask for a contribution from the homeowner. It is obvious from the income information provided that the seller can not afford to keep the home. Attempting to force the homeowner to file income taxes is just another delay tactic and does nothing but reveal the stupidity of this company as a mortgage servicer.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
MB FIN SVCS XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I pulled my credit report after trying to obtain loan for educational purposes and was denied due to account on my credit report. I have never applied for credit nor entered any type of signed agreement of any kind with this company. I would like this account removed immediately from my credit report. It is incorrect and I would like to know who granted them access to my credit report.
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead Merchants Credit Guide sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IN)

I don't have account informations, they will not provide me with them. XXXX back refused to provide me with proof of payments. I was trying to get a mortgage at this time and payoff bad debt, they told me they had a order that said they couldn't send me any information, do they refused to send me any records of my payments. My mortgage fell through due to this. 45 days later everything was removed from my credit report then 1 and 1/2 later XXXX of XXXX bank debts came back on my report that I already paid. They sued me for XXXX, so I was forced to pay it again, I have repeatedly yold them I don't owe them it. 
Thank you
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be depressed. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P. (GA)

My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Reliant Financial Corporation (CA)

I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015. 
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report. 
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal. 

I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices. 
XXXX
Consumer complaint received 2023-11-28
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. (PA)

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and XXXX. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. XXXX XXXX said there was nothing they could do and I could call the credit bureaus to get information removed.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

My Credit Union payed off my balance to Citi Cards on XX/XX/XXXX for XXXX on XX/XX/XXXX I called Citi bank because it hadnt been applied to my account. I called again XXXX  times and spoke to XXXX Supervisors since XX/XX/XXXX XXXX till XX/XX/XXXX because still no credit to my account I called my Credit Union found out the check had been cashed by Citi Bank on XX/XX/XXXX XXXX and my Credit Union has issued a copy of the cashed check cashed by them. My full name, Address, and account number is on the check and I sent a copy of the cashed check that went to Citi investigation and still they have not credited my account. I have made a payment to the account on XX/XX/XXXX since they claim they didnt have the check and they have the check and cashed it.
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (SC)

All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (OH)

Apple card closed my account for no reason at all. I have never been late or missed a payment. Their said I violated the user agreement but refused to tell me specifically what I violated. This is not fair to me. I want my account reinstated. When I called them they would not tell me what I violated and never returned my phone call like they said they would.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I saw on my credit report XXXXXXXX XXXX XXXXXXXX that XXXX XXXX  put a charge off on my account for an account I am not aware of. Please delete this account for inaccuracy or send me more information about it. Thanks
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (SC)

I have a loan with a payment of XXXX, and I am not escrowed. The company raised the payment to XXXX for no reason. I know it isn't a lot of money, however if they are committing fraud to me then they may be committing fraud to other customers as well. I have no notified the media yet.
Consumer complaint received 2023-09-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education (UT)

I began receiving harassing phone calls nearly everyday. I tried to explain I will send a check as soon as I get paid. The amount they required was more than I could afford that week. This week I sent them a check in the full amount requested. The phone calls came every day and grew more and more aggressive. They threated to call me 3 times a day and claimed they have every right to do so legally despite the fact I told them they have been paid. They continued to repeat themselves redundantly. The caller/ collector insisted, she had confirmed with her manager and she was with in her legal right. Part of the reason my account went into collection status is due to the fact they stopped sending me a bill ( US Postal service ) and the last few bills they did send are clearly printed " XXXX due, XXXX owed '' dated XXXXXXXX XXXX. I may have misunderstood the rehab program believing that my account had been settled. XXXX XXXX 13 months later after no contact, I got a letter and began getting calls from their collections. I immediately budgeted for a payment and made the full payment requested about a week later when I had the money. Today I continue to get calls threatening to call me three times a day in addition to the interrogating questions. I believe this to be excessive abuse of their authority and illegal behavior.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation (TX)

I applied online for a credit card through three different banks. I was approved on all three. When I received the card from XXXX ( onemain financial ) I decided against activating it due to the interest and fees. 

However, despite my card never being activated they opened the account and charged me an annual fee. They now are reporting it as 90 days past due on my credit and have significantly impacted my credit score. 

I attempted to locate a phone number to no avail. Their website is extremely limited on ways to contact them. I finally was able to get a real phone number and then their system did not allow me to speak to anyone unless I had my full card # - the very card I did not have after shredding it!! Through my credit report I located a number that got me to their collections department. 

I asked them to remove the charge as the card is not active, I no longer even have it physically. The representative said they can not even though she sees my card has not ever activated. I asked to speak to a manager and she refused to let me speak to anyone. 

I receive texts ever since I called them and Ive replied to texts and emails stating that I do not owe them an annual fee on a credit card I have never used or activated. Nothing has been done.