davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I submitted a CFPB complaint # XXXX   about XXXX regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. XXXX  responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and XXXX to settle this account in full and to close this account out to a XXXX  balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted XXXX and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with Experian echoing all the above details and on XX/XX/XXXX Experian completed their dispute with a verification of the current reporting. Experian could not have researched the reference account and then verify the information because that is not correct. I believe Experian did an electronic XXXX  verification and did not research this in its entirety. If XXXX  did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Kubota North America Corporation (TX)

I have been trying to figure out how my payments are applied to interest versus principle on my monthly loan and there doesn't seem to be any information available, and I believe that Kubota Credit is being intentionally obtuse or outright dishonest about their methods of computing it because they have been evading giving me any kind of answer at all to my very direct questions and request of assistance in figuring this out. 

I am trying to figure out what day of the month i need to make my payment to maximize the amount going to the principle instead of interest. There is no information available, it is not clear at all how the division of money is applied, and I have seen a huge difference in how much goes to interest versus principal depending on the day of the month. Unfortunately, there isn't any logic that I can discern based on previous payments that will allow me to see what day of the month will provide me with the best bang for my buck. I am unable to figure out whether or not I will be able to pay off my loan in the agreed amount of time because so much of my payment has gone to interest instead of principal and there doesn't seem to be any logical methodology that I can work with. 

I have called several times to try and get more information on the division of interest versus principle with my payments and have not been able to get a straight answer from customer service and have been told at least five times that a manager would call me and I have never heard back. I have even been told by one of their representatives that they wouldn't, not couldn't, tell me what day would allow the most of my payment to go towards principle, instead of interest. 

I have complained multiple times with their customer service, and asked to speak to a manager or to have my request for information about my loan brought to the attention of someone that can answer my questions, but I can't get any further than basic customer service. I have had them send me a copy of my contract to see if the information is in there about how they apply my payment towards principal versus interest and there is nothing in the contract.

I need some help getting Kubota Credit to be open and honest about their loan and its repayment terms and conditions. They have not been clear about this from the beginning, and I suspect I have lost hundreds of dollars that could have been applied differently if I was able to have the information about this.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (TX)

On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, Experian, XXXX. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed immediately.
Consumer complaint received 2019-10-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have sent certified letters to all 3 credit bureaus, XXXX, Experian and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & Experian have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.
Consumer complaint received 2016-11-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech Financial is removing a portion of my extra princible payment and calculating it as interest. Since when is their interest on an additional interest payment towards any loan? my monthly payment is paid the same time every month, there should be not interest on additional principle paid separately.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I do not know who Helvey & Associates are nor have I ever done business with them or been lent any my by this agency for me to owe such debt. AS A CONSUMER, I do not agree with this debt on my report as I never signed anything with such agency.
Consumer complaint received 2023-06-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I am Filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WA)

I asked synchrony bank to delete my information from their computer programs since my account has been closed for several years. they refused and said that they are not allowed to remove any account information for 10 years as per their policy they are keeping peoples sensitive information in a computer that anybody could hack for 10 years after theyve closed the account. I asked them to delete my information today when I spoke to XXXX and XXXX with their accounts management team and both of them told me no, their system wont let them delete accounts, only customers from California can have their information deleted I want my information deleted from the credit card company. When I ask for them to delete it it should have been deleted years ago when I paid off the balance. That should have been the end of it. there shouldve never been a problem with my husbands account with synchrony, we accidentally paid on my account because synchrony bank did not actually close my account they only made it so I dont have any credit available but all of my information is still in their system. I would like all of my information removed from their system so that nothing like this could happen again and so that nobody hacking there system can get my information.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Remove XXXX XXXX account from my reports due to inaccuracies and false reporting, because the payment history does not reflect the account been paid off in full since XX/XX/2023. Under the FCRA the credit agencies must provide me with a notice before reporting late payments. This notice must be sent by certified mail or other reliable means. By not follwing the law, I have the right to sue for damages that have caused me harm by the denial of credit.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a new boat in XXXX with the loan eventually being serviced by Santander USA-account number XXXX. The loan was paid in full in XXXX of XXXX. Santander never filed a satisfaction of lien. I recently attempted to sell the boat and after multiple calls was able to get Santander to file a lien satisfaction however they filed it with the state of Florida. Since my boat was a documented vessel it is illegal for me to have a state title- I can only have a title through the XXXX XXXX XXXX XXXX I have been trying to get Santander USA to file the proper release with the XXXX XXXX I even hired a boat document company to fill out the proper forms and sent them to Santander XXXX They are still refusing to comply.
Consumer complaint received 2024-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (GA)

Around XX/XX/XXXX, I went into forbearance due to XXXX and lost my employment due to XXXX. My employer stated there was no work available when I returned, and I was working for a temporary employment agency at that time. I notified MrCooper Mortgage Company and went into forbearance. The forbearance was from XXXX - XX/XX/XXXX. They processed a loan modification by increasing my interest rate and adding XXXX more years to my mortgage loan. They also took an additional {$80000.00} from the unpaid principal which was not necessary. I was only on forbearance for XXXX months. They also increased my escrow amount. I am in the middle of applying for a mortgage assistance program in the State of Georgia to pay for the time I was in forbearance, and they told me to file a complaint because MrCooper is extremely over charging for the time I was in forbearance, and they are not going to submit any payments until this gets resolved. 

I have been in forbearance with a different mortgage company, XXXX during XXXX season in XXXX and they decreased my interest rate, nor did they add more years to mortgage loan. While I was forbearance for more than XXXX  months, XXXX only took about {$30000.00} from my unpaid balance. 

I truly believe MrCooper is abusing their power as a mortgage lender and taking advantage of homeowners.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, 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)

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. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 2022-11-16
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. (TX)

In order to have the bogus  accounts and information that are being reported on my credit file deleted as quickly as possible, I am filing this CFPB complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00}. Please send me copies of any documentation you have that shows you are the rightful owner of the disputed objects if you think I own them. These fraudulent accounts will be instantly deleted in the absence of these documentation.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing this due to non-compliance with the CRA TransUnion.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and outright refusing to uphold the law. 
Name of account : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My mortgage was previously through XXXX XXXX XXXX. I received notification that the mortgage now belongs to New Residential. I have never missed a payment with XXXX and my escrow was always in the positive. 

I just received my first bill from New Residential and my mortgage payment increased from XXXX to XXXX with no explanation why. 

The payment is due in less than two weeks.

I contacted New Residential and asked why there was a significant increase. They advised that XXXX and made a mistake and wasn't billing me properly and that I owed a significant amount of money to escrow. They were unable to provide me with exact numbers but said that i should receive an analysis in the mail within 7 days. 

They also stated that I am responsible for these errors made on XXXX 's behalf. 

I can not afford this payment moving forward and will most likely go into foreclosure due to this significant increase. 

They are stating that my monthly escrow payment is approximately now going to be {$1000.00}. 

My homeowners is is {$3500.00} a year Town Taxes are {$1900.00} a year School Taxes are {$2700.00} a year This comes out to {$8200.00} a year {$680.00} a month.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC (GA)

I am lodging this formal complaint against Volvo Car Financial Services, related to an unjust credit report dispute connected to my account ( number XXXX ). 

Despite having an impeccable payment history with Volvo, I am now facing a damaging mark on my credit report. This stems from a disposition fee of {$350.00} that I promptly paid via check in May this year upon receipt of a requested invoice from Volvo. Regrettably, it appears that this check may have been lost in their third-party payment processing center, and my attempts to resolve the issue have not been successful.

In the absence of clear communication and documentation, including the lack of a contract copy at signing, I initially found the fee surprising and suspicious. My online account, which was closed soon after my subscription ended, showed a " paid in full '' status upon the car 's return, with no indication of additional charges.

In the aftermath of my completed subscription with Volvo, I did receive several phone calls regarding this disposition fee under the Care by Volvo program. However, due to the high frequency of daily scam calls regarding the vehicle, I requested either an email from an official Volvo address or a mailed invoice to confirm the legitimacy of the charges.

I have urged Volvo to launch an investigation, specifically asking them to reach out to their payment processing center to locate the lost check. I have also offered to provide a carbon copy duplicate from my checkbook and bank statements as proof of the missing check. To this date, Volvo has not resolved this issue, and the charge-off remains on my credit report.

This situation has underscored the need for personal record-keeping, and I have requested copies of all statements, invoices, and correspondence related to my Volvo Financial account. I am disheartened that this issue persists despite my efforts to resolve it promptly and am concerned about its impact on my credit report.