davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX 's XXXX XXXX XXXX  acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I closed on a loan for my house in XXXX of 2006 with XXXX XXXX XXXX XXXX at {$650.00} a month ( 30 year variable ). I had also closed on a secondary mortgage for the property with XXXX XXXX  XXXX at {$210.00} a month ( 30 year fixed ) After settling a class action lawsuit for discriminatory higher lending rates to minorities ( I was recipient ) ; XXXX  XXXX eventually sold my loan to XXXX  XXXX XXXX. XXXX XXXX XXXX adjusted my monthly payment to the amount of {$650.00} and serviced my loan ; but eventually tried to coerce me into making an escrow payment for hazard insurance as well ( XXXX XXXX XXXX ). I refused to make the extra hazard property insurance payment, ( I already was paying it on my own to XXXX XXXX XXXX ) but I did continue to make the mortgage payments. 
A class action lawsuit was filed against XXXX  XXXX XXXX for the hazard insurance being forced upon many customers. XXXX  XXXX XXXX did settle the lawsuit based on terms that I myself did not endorse, and they made no effort to re-adjust my loan. XXXX   XXXX XXXX did sale my loan to Select Portfolio Services before the settlement payments were issued to the customers. Select Portfolio Services paid the lawsuit amount, but has only sought to collect certain amount of the unlawful hazard escrow, and has continually charged me late fees as well as excess high interest rates on my loan. I think it's because I refuse to pay on the bogus forced insurance and I only pay the mortgage amount. 
I have never fell behind 1 month on mortgage. I have payed off the secondary mortgage, and no longer owe XXXX XXXX  anything. I only owe the first mortgage now, but I am being coerced by many letters and phone calls and bad credit reports from Select Portfolio to extort excessive payment from me. My mortgage interest rates are already far too high above prime lending rates ( it's over 7.5 %! ) Yet they raised my mortgage payment to over {$700.00} a month now, and they also want me to pay that unnecessary insurance. 
Select Portfolio Servicing has sabotaged my mortgage and has caused error on my credit rating with their unlawful activity. As of lately, I refuse to pay more than {$650.00} on my mortgage because I feel abused by this activity on my mortgage by Select Portfolio Services ... Again ; I have never fell behind, not even one month 's payment on any history of the home loan since it started in XX/XX/2006!
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

My husband and I signed a 12 month finance contract, which stated that there would be no balance due until the items ( furniture ), were delivered. On our receipt, contract it specifically states " Balance due before delivery XXXX '' at the bottom. Now, our furniture was delivered on XX/XX/XXXX, and I have provided Comenity with that information along with a copy of the receipt that states the contract. 
Unfortunately, instead of ending my promo 12 months from the date of delivery, Comenity has chosen to end my promo on XX/XX/XXXX, and they have imposed fees. Now, we paid our bill in full around {$1800.00}, on XX/XX/XXXX, which was less than 12 months from the date of delivery, per our contract. We have sent Comenity the delivery information and receipt of contract, and they have told us that they chose XX/XX/XXXX, as that was placed on our bills. The issue is XX/XX/XXXX is a date of no importance, per contract, as no one received anything until XX/XX/XXXX. 

They have told us that they do not need to go by our contract, but only what was listed on our last few months bills. There was no contract modification that we agreed to beyond our initial contract that we signed at the store. I don't understand why they get to not honor the contract because they decided not to, and also they did not provide us with any rationale as to why ( on what legal grounds ) they had to select the XX/XX/XXXX date to end our 12 month promo. They didn't provide us with 12 months, they gave us 11 and some days, which is against our contract. Is this legal? Can they change the rules of my contract at will without my signature or agreement?
Consumer complaint received 2020-04-15
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (FL)

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Consumer complaint received 2023-01-06
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: General Motors Financial Company, Inc. (VA)

GM Financial has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct GM Financial to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
Consumer complaint received 2022-04-04
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: Mercedes Benz Financial Services (CA)

MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

MB FIN SVCS ******* XXXX
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (FL)

on XXXX the XXXX we received in writing a letter the TD Auto Finances account number XXXX grant you an payment extension for the Covid 19 TD Auto Finance did not comply with the extension he deduct the money from our account bank you can reach me at XXXX or send me a email to send copy of the letter my name is XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-14
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. (TN)

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

Checked my credit report on XXXX XXXX. Found two NEW accounts listed as New Account XXXX XXXX XX/XX/XXXX. This information is being reported by Commonwealth Financial Systems of XXXX XXXX, PA. I called and was told that these two accounts stem from two XX/XX/XXXX collection bills yet they are being reported NEW as of XX/XX/XXXX. This is an attempt to re-age this debt.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (NC)

received a Chime credit card in mail with my name. Never opened the card. 

I called chime at XXXX and had to email them at XXXX to report fraud and close account. Waiting for response
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

Took out a title loan for {$1500.00} from Titlemax in 2019 for an emergency and have struggled every month to pay them back. The interest is out of this world and after making several months of payments, I noticed the balance had not decreased at all. I called to ask why and they informed me that I had only been refinancing the loan every month and none of what I was paying was going towards the balance. Would have been nice to know that up front. After being 10 days late, they charged me a {$100.00} late fee. Due to financial circumstances, I was late pretty much every month except 2 ... out of 29 months total. So about {$2700.00} in late fees. I have tried working something out with Titlemax and they won't work with you. They would threaten repossession every month after that XXXX day of being late. I have searched high and low on how to get away from these predatory loans and nothing has been of any help. I have paid over {$10000.00} to Titlemax for a loan that was for {$1500.00}. I filed a complaint with Texas office of XXXX XXXX XXXX, waited several weeks and the only response I got from Titlemax was an offer to settle for {$1000.00}. I have no access to any documents, I can't log in to my account online, and I am scared to call them incase they start looking for my car again. They still have the title to my car and I need it but can't pay them the {$1000.00}. I refuse to give them another dime regardless. I found XXXX document from them in an old email and after reading about the late fees, I realize that I was paying illegal fees the entire time. XXXX reads late fee will be {$7.00} or 5 % of the scheduled payment amount ( whichever is greater ) and that does NOT equal {$100.00}. There's no explanation for the extra added fee amount anywhere in the contract and that is illegal. I also noticed fees that say {$0.00} and then later in the contract, it says the fees are included into the total amount ( so I have no idea what the amount of the fees are ) but they can collect interest on the unknown fees. I am also aware of the class action lawsuit they just lost due to their illegal lending practices. It has been 4 years now, I need my title, and again, I have paid over {$10000.00} on a loan that was {$1500.00} and I am not giving Titlemax another dime.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I'm part of the XXXXXXXX XXXX XXXXXXXX class due to my XXXX application. After approval in XX/XX/2023, XXXX, not my usual servicer, notified me of loan discharge. Despite multiple attempts, my servicer, Mohela, hasn't adjusted my balance or stopped interest, as required by the settlement. There's been no communication or timeline for discharge or refunds, leaving me confused and frustrated. I'm entitled to relief and refunds but have received no transparency or updates from Mohela or the Department of XXXXd.

I have also filed a complaint with my State 's Ombudsman office and the Department of Ed via the studentaid.gov website.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (IN)

I paid this debt off with an electronic check which the creditor deposited into their account on XX/XX/2024. We had a pending court date of XX/XX/XXXX  to which they said they would cancel but never did. I called them to ask if I still needed to show up to court and they said I should check with the court. I went to court today and they didn't show up. When I called them they said it was my decision to take time off work to go to court and that they weren't responsible for me missing work. They also said that I owe them XXXX cents, but that they can't process a payment of XXXX cents so I can't pay off my account. They said on Thursday, XX/XX/XXXX that they would close my account and file the satisfaction of judgement with the court but have yet to do so. They also have yet to send me a receipt for the amount I paid them. They should face some kind of accountability for making me miss work and dealing with this frustration when I paid my judgement in full and don't owe them any money.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Model Finance Company (CA)

On or about XX/XX/2020 the city of XXXX came in to XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) and forced us to close due to corona virus threat. On or about XX/XX/2020 I was contacted by a representative of Model Finance Company regarding my due payment. Arrangements were made as follows : XXXX payment deferred at a cost of {$64.00} for interest fees of that month payable by XX/XX/2020, XXXX bill deferred for free. 

Today XX/XX/2020 at about XXXX pst I had a 1 minute conversation with a representative of Model Finance Company . I was asked to pay what I owe. I was asked why I wasnt receiving unemployment insurance benefits ( because the government promised to pay out of work self-employers ) the representative stated. I was asked if I had really applied. I was told he didnt like my attitude and then he told me, I was going to offer you some payment arrangements but now XXXX XXXX  and I yelled XXXX XXXX  back as he was hanging up in my face. I waited 2 minutes before calling back and asking to speak with a supervisor so I could file a formal complaint and request information on filing for harassment. I spoke with another man whom also refused to identify himself as he felt offended by my indignant response to his questions I believed to be unrelated as I was already exhausted from everything going on with the pandemic and being forcefully out of work. The gentleman then resolved to reposes my motorcycle that Ive never missed a payment on prior to this pandemic.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

Placed order XXXX, told merchant via three different contact methods that XXXX could not deliver the package due to the pandemic. Tracking proof proves that merchant requested an interception of the package. As of XX/XX/2020 XXXX is attempting to return the package. Simple, item was never delivered, my account should be credited for the purchase of {$1300.00} dated XX/XX/2020 on the account.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2020 I have requested a copy of the credit application along with drivers license to verify the account. I have not receive the requested information. I have informed them I have no account with XXXX. The only information that I am receiving are statements. I have asked to verify the bank information the account the payments were made and have not received the information. I have mentioned to the company this is not my account I demand a full investigation with credit application, drivers license and the bank account the payments were made. 
I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau Trans Union and XXXX  and neither of them have fixed the issue.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX  multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and Equifax and neither of them have fixed the issue.
Consumer complaint received 2020-04-14
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)

XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with TRANSUNION XX/XX/2020 received a notice from XXXX   saying my bankruptcy was verified XX/XX/2020 sent another dispute to XXXX disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from TRANSUNION saying the bankruptcy was verified with XXXX XXXX which is not true. 

Both XXXX and Transunion are reporting information they did not verify. XXXX did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX and XXXX. I can send in all letter and proof from the courts and XXXX XXXX.