davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc (CA)

Back in XX/XX/2023, I made a purchase for a XXXX, TX hotel through XXXX XXXX  and decided to pay via Affirm. However, I ended up cancelling the trip, to which XXXX agreed to cancel. I received numerous emails about missing a payment, to which I called Affirm to have this resolved so that this does not impact my credit score or borrowing power. Attached is an email I received from the representative I spoke with on the phone where she indicated that I provide evidence of the cancellation. I provided the receipt of that transaction in response to her email, to which I continue to receive messages about the missing payments. Their emails indicate that you can reply back ( seen at the bottom of the second email ), though this is not the case ; emails are not read when replying to automatically generated emails. The most recent email about a missing payment is also included in the attachment, with a blank page separating the two email messages. Thank you.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

The issue is that I borrowed from       XXXX   XXXX       in   XXXX  .  Navient took over these loans years ago. I recently learned that my son is listed as a co-signer on that loan. I wrote them several times that this was not correct. First, they told me to send a co-signer release form, I was denied because my monthly payments is not the full principle. Then I told them that my son was never a co-signer on the   XXXX   XXXX     form. There was a section for the Borrower, the co-signer, which is my brother,   XXXX   XXXX  . My son, filled the section that stated " Student Borrower Information. '' My financial information and the co-signer information is on the form. My son 's information does not include any financial. Furthermore, all these years on Navient 's website, they never had my son 's name as a co-signer. Recently, they went in and added him as a co-signer to loan ending in  XXXX . I wrote again and challenged them and they sent me a second denial for not paying the full principle and for making a late payment. I have NEVER been late over 15 days on my payment. My son is not a co-signer and I demand he be released. I am tired of doing the right thing and getting slapped for it. Furthermore, my contract was with    XXXX   XXXX    how is  Navient  interpreting a contract that was not with them.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-23
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: CREDIT ACCEPTANCE CORPORATION (NM)

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a Huntington bank account on XX/XX/XXXX and received a fraud hold when I tried to login to online banking. Huntington has refused to close or downgrade the account over the phone and I can't do it online. Due to COVID-19 I am physically unable to come into a branch location. I've called several times and spoken to multiple representatives and managers - they keep giving me misinformation and telling me they will call back. Please close the account ASAP
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XX/XX/2022
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

( Original Complaint Sent to NewRez - Shellpoint on XX/XX/XXXX ) from : XXXX XXXX XXXX to : XXXX date : XXXX XXXX, XXXX, XXXX XXXX   subject : Removal Erroneously Applied Late Fees by XXXX XXXX   Which Transferred to NewRez Account XXXX XXXX mailed-by : XXXX To Whom It May Concern, I recently PAID-Off my New Rez Mortgage in XX/XX/XXXX, which feels Wonderful ... HUUURRAY! However, on my former XXXX XXXX which transferred to New Rez in XX/XX/XXXX, XXXX erroneously applied ( 2 ) Late Fees to my account. The following details are provided : 1st Late Disputed Charge : On XX/XX/XXXX, I registered a new Online XXXX XXXX  Account, then made my 1st Monthly Payment in the amount of {$2500.00} using the XXXX Online Payment System. I received a letter from XXXX on XX/XX/XXXX that the payment was returned unpaid. When I checked with my XXXX XXXX   XXXX XXXX, I was informed when XXXX submitted the payment the account number was missing the last ( 9 ) of my XXXX Account # Ending in XXXX. Upon learning of the error on XXXX 's part, I immediate issued a subsequent payment. My XXXX XXXX Account was charged a {$98.00} Late Fee ; in spite of my typing the correct information in the XXXX Online Payment System. Hence, I am requesting that XXXX waive this Late Fee, immediately. - I thought that XXXX had removed this Late Fee Charge. 


2nd Late Disputed Charge : On XX/XX/XXXX, I made an on-line payment directly on the XXXX XXXX  Website in the amount of {$2500.00}. However, XXXX did not draw the funds from my checking account until XX/XX/XXXX. I was erroneously charge me another Late Fee in the amount of {$98.00}. Refer to the following snapshot of my checking account. 


XX/XX/XXXX XXXX-FINANCIAL TYPE : MORTGAGE ID : XXXX CO : XXXX-FINANCIAL {$2500.00} {$0.00} {$2500.00} Hence, I am requesting that NewRez remove these Late Fees from my account immediately and release my Property Deed for XXXX XXXX XXXX, XXXX, MD XXXX, ASAP. If there are any questions, I can be reached on XXXX XXXX XXXX XXXX. 

Sincerely, 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: Experian Information Solutions Inc. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus. 

In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor. 

XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no. 

To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end. 

I am reporting this behavior and request intervention.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I PAID OFF AN AUTO LOAN WITH XXXX XXXX ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX XXXX XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY XXXX YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM XXXX XXXX AND I HAD NO MISSED PAYMENTS.
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

Good afternoon, I have had a mortgage with the loan servicing company XXXX XXXX for the last five years. Paying on-time, no overdue drafts, even looked at getting cash to cover some home repairs a year ago. Now I get a notice right before the start of XXXX telling me that my mortgage is being sold. I'm looking into the new company, NewRez LLC that apparently is based in Pennsylvania but yet the correspondence goes to South Carolina and the payments to XXXX, TX? I have looked at reviews ( check out the XXXX giving them an A+ rating with XXXX negative reviews and XXXX positive reviews ). I'm sickened, frightened, and worried about the predatory practices that my mortgage has just been sold to. Why don't I have a choice in this process? I'm a good customer, paid when asked, and kept up to date. I'm absolutely dumbfounded in this process and worried as XXXX that is not going to be the case. There's also allegations of running people out due to run arounds on payments received and running people 's mortgages up because they are not paying on-time. I can not live under that umbrella of worry. I am going to call XXXX XXXX tomorrow and give them the business, but please, please, please look into this company. It appears to be a giant sham of a company and treats homeowners terribly.
Consumer complaint received 2023-07-23
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: ENCORE CAPITAL GROUP INC. (GA)

Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated 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. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated 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.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

In the month of XXXX XXXX charge my account for XXXX XXXX which I did not authorize. I contacted them and was told they did not make any transactions from that card, Citibank state they did They took out {$7.00}. In the month of XXXX I entered the 30 days free trial for XXXX XXXX, about a week XXXX did a transactions from my citibank account for XXXX XXXX for {$16.00} The 30 day was not up, so I told them to canceled it. In the monthof XXXX they charged me for XXXX XXXX {$16.00}. XXXX. Contacted both companies and never got it resolved .Too many back and forth no money was refunded
Consumer complaint received 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Originally had an FHA mortgage through XXXX Mortgage. Went into XXXX forebearance for the allowed 18 months and began paying again in XX/XX/XXXX to XXXX. Agreed on a flex modification with XXXX and began the trial period for modified mortgage in XX/XX/XXXX. 

After 2nd payment the loan was sold to Carrington. Kept paying Carrington same amount while finishing their flex modification paperwork and sent the signed paperwork on XX/XX/XXXX. They acknowledged receiving and said they were processing. In the meantime they started reporting my loan as 180 days late to the credit bureaus in XX/XX/XXXX. To date have not finished my loan modifications. ( 10x communications by phone, email, etc and I keep getting told it is in the process ). 

Now I am reading your organization took action against them just last week for these exact practices. 

I have paid this loan every single month since my covid forebearance was up. My credit score has now dropped from 800+ to XXXX. Please help me.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WI)

I opened an online banking account with Citi on XX/XX/19. 
After accessing my account once or twice online, I was asked to submit a confirmation code ( presumably by text ) - except that I had given my home/land line number when signing up. I called and asked to have my phone number switched to my cell, but was told I'd have to wait 30 days. Since that time I have been unable to contact Citi. I've tried using their app, email, and standard/snail mail as well as calling several different numbers dozens of times. I've also tried accessing my account online again, but since I've never submitted a confirmation code it appears as thought my online access has been 'locked '. 
I have a balance that I have no access to, and have been unable to get ANY help from Citi.
Consumer complaint received 2023-07-23
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: AMERICAN EXPRESS COMPANY (AE)

I am writing to file a formal complaint against American Express regarding their failure to respond to a billing error, I reported on my Credit Card billing statement ( s ) on Account Ending XXXX and Account Ending XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statements for the certificate of indebtedness on Account Ending XXXX and Account Ending XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to American Express on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what American Express has done is closed both Ending XXXX and Account Ending XXXX continued to report negatively on my account. American Express to this day removes money from my accounts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves American Express unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to American Express Trust Indenture Agreement XXXX I will be contacting the XXXX XXXX XXXX XXXX XXXX XXXXXXXX who is American Express Trustee and inquiring about my closed accounts. I will also file an FTC faud compliant against American Express as well as reporting American Express to the SEC for Securities Fraud. I kindly request the CFPB to investigate this matter and ensure that American Express complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect my consumers information and hold American Express accountable for their failure to address my legitimate concern.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.