davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX.Debt Company XXXX XXXX ( XXXX ) XXXX court docket # XXXX XXXX XXXX District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.
Consumer complaint received 2022-03-24
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. (CA)

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.
Consumer complaint received 2020-12-30
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. (CT)

i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

I cancelled services with XXXX in XXXX of XXXX, I made sure to return their equipment and made sure there was no balance owed. In XXXX of XXXX a collection was added to my credit report from Waypoint resource group. I have called and have asked for this debt to be verified and up to this day it has not happened. I called to try negotiate even though I don't owe the debt and was told that even if I pay the debt they will not remove it from the credit report. I don't owe XXXX or waypoint resource group anything, I respectfully ask that you help investigate these charges.
Consumer complaint received 2021-03-19
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. (CA)

I realize this may be the wrong channel for this report. If it were, and you can forward it to the relevant agency, please do. This is an unsolicited phishing scam. I did not click on it but attach the screenshot showing all the data including the phone sender of record and the url they provide with a fake Experian final notice.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IA)

We had a bank loan with US Bank we wanted to pay it off early. I called in to get our pay off. By doing automatic payments we were paid ahead 1 and 1/2 years. So my next payment was not due until XX/XX/2022. I asked if some of those payments could go on the principle thinking that would lower my payoff and they agreed. We put the last 12 months toward the principal. They told me it would take about 2 days to complete. 2 days later I was confused when my payoff went up. After some quick investigating I found out They now added late payment fees on to the loan. I called US Bank customer service and they said they fixed it and I paid off the loan. Payoff was about {$8900.00}. 3 weeks later I was looking at a pickup and needed a loan but was turned down. I found out my credit score went from over XXXX to just over XXXX because US BANK Reported I had missed payments. Once again I called US Bank They said they could clearly see what had happened and I would have to file a dispute and it would take about 3 months to process. I was refused a loan I need to get the pickup I need. Even from US Bank because of my now Low credit score. I called US Bank back, they told me they can see that they made a mistake but they can't ok the loan until the dispute goes through.
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have a mortgage with Santander Bank under a special FHA program. I experienced some financial issues back in XX/XX/XXXX and XX/XX/XXXX where my hours for work were reduced due to weather because I work for XXXX. So during those months I had two bounced checks for my mortgage. I paid XXXX late in XXXX, paid XXXX on time and XXXX was paid on XX/XX/XXXX. When XXXX XXXX check bounced I called and a representative tried to get me to go into forbearance, I actually agreed but I did not understand all the details so I called back to cancel the program. Today I called to make my XXXX payment and was told that my checking account has been blocked due to insufficient funds transactions. The only way I am allowed to pay my mortgage now is to go to XXXX XXXX and pay almost {$20.00} fee or get a certified bank check and send it via mail. I asked the representative if this was happening because I made an error requesting forbearance? She said no it is two different processes. Then I asked why did the bank accept my XX/XX/XXXX payment and they said because it was for XXXX XXXX payment.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION (TX)

Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. 

Original security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. 

XXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. 

I dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (CA)

I financed a new XXXX in XXXX of XXXX with BBVA. Last year PNC announced that they would be taking over BBVA and all of its loans. Immediately there where problems for my account. I was locked out of my online access, the hold times were extremely long, I could not pay my car note the weekend it was due because the systems were down for the merger. Once the systems are back up I start getting calls and text from PNC about my bill. I assumed that this was a mistake because I had made a whooping XXXX payment on my own previously so there should be no way for me to be late or owe anything at that current moment. The calls, text, letters, and emails consistently continue to roll in. I finally get a moment to call PNC back, I hold on the line for XXXX minutes to get a rep to tell me the big hoopla is over {$70.00}. Even tho I paid XXXX to this loan in advance I was harassed for {$70.00}. PNCs explanation? The way their system applies the payments aint was {$70.00} short on a future payment and thats why I was being harassed. A couple of months lateXXXX XXXX XXXX XXXX XXXX and was XXXXd with XXXX. I called PNC to let them know ( the hold time, still ridiculous ) and see how I could work with them on payments until Im back on my feet and they have me make a huge payment and take XXXX of my note for 3 months that will go to the back of my loan but only if I can make those 3 payments in full on time. XXXX of XXXX is still a lot. Im asked a million questions just for that?!? The rep gives me another number to get another depart that may or may not be able to do anything for me but Im for sure in for another long hold. After over an hour I hang up. I try a few more times to reach that department, and then I try to refinance directly with PNC but I was denied after I was encouraged by their suggestions via email and in my portal. My credit score drops from this and I get a new inquiry. 2 weeks ago PNC reports a late payment to the credit bureaus and puts a note that its because of a natural disaster. This company is impossible they are rude disrespectful and unhelpful. They dont care about anything but hunting for blood. They are a horrible predator in the financial world and I got stuck with them with no choice and no way out now they are ruining my credit so Ill never get back on my feet sending me loan notices that I owe XXXX immediately. Even 2 car notes is not that much but they didnt give a reason why.
Consumer complaint received 2021-03-19
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC (MO)

It seems an account was applied for, money received, some payments made and then payments stopped. Now I get notices of amounts due that are very high. I never applied for this loan in the first place! They are claiming to send it to collection and ruin my credit. Loan was done online without my knowledge. Used my bank account too. When I noticed payments coming out of the account I stopped auto payments. Now they claim its past due and are asking for double the amount someone applied for initially! 

I am not paying this loan. 

Filing ID theft report as well. 

Company name they go by is Balance. 

Fraud mixed with exorbitant fees!
Consumer complaint received 2020-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

For my mortgage statement XX/XX/2020, due XX/XX/2020, my mortgage company sent me a letter stating they didn't receive payment. I had to go to my bank and get verification from them which I faxed to my mortgage company. They then acknowledged payment, but they charged me for a return check fee, and a NSF fee, a total of {$60.00} dollars. I called them on XX/XX/2020, at which time they said I sent it to their block address, and they aren't going to refund the fees. I stated that I sent payment to the address on the preprinted label they sent me. They said they're not returning my fees. They also will not give me an amortization schedule so I can keep up with my payment schedule.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (OH)

The exact date I can't remember but I believe it was around XXXX with the amount of $ XXXXThis is the second time it has happened with XXXX XXXX XXXX First time I disputed the case and won. My rent was paid in full and she was claiming it wasn't. Same thing that's happening again but part of the XXXX is her saying she had to shampoo the carpet which is further than the truth.So I disputed it twice this recent time yet to no prevail and she still claims that I owe rent and shampooing services. 
Apparently I am not the only one she does this to either.
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I have been trying for the past couple of days to get an extension on my deferment due to unemployment. Navient is giving me the run around again. I have submitted all documentation they have asked for, and in reply they send emails saying they've answered my request. When I click on the link provided -- it leads to my account, with zero information about the status of my requests. This has been an ongoing issue. Navient 's website isn't set up to accommodate the user, only to ask for payment in various forms. I am unemployed and have been for quite some time. So, it seems rather unhelpful for the lender to have a maze of a website that is designed not to help customers, but, to confuse them. This is my second time with the same complaint, and Navient hasn't done any better in clarifying the process of asking for deferments, or, receiving information therein.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Prosper Marketplace, Inc. (IL)

XXXX XXXX Bank, XXXX Prosper Market Place ( Prosper ), has violated the Fair Credit Billing Act. 

First, Prosper never sent my card in the mail. Several calls to the company in XXXX and XX/XX/2022 yielded no results. Prosper would always state they were not aware that the card hadn't shipped. So, not having a card available created a problem when I needed access to the credit line, so I decided to close the account. I would make payments whenever I could call in and had time for the XXXX hour hold time. I had contacted Prosper several times afterwards asking for a way to make the payments online and the company refuse to. Of note, Prosper did not report my payments to the XXXX credit bureaus. On XX/XX/2022, I received an alert from my credit monitoring service that a " new '' account had been reported as delinquent - causing a negative impact to my credit score.

Prosper has violated the Fair Credit Billing Act, 1666 ( a ) ( ii ), ( b ) ( 6 ) and ( d ) by failing to properly investigate my e-mailed complaints and requests, failing to transmit billing statements and restricting my ability to pay the remaining balance after reporting issues with never receiving the card and questioning the amount owed. 

I request the CFPB launch an investigation into the business practices of this company and hold them accountable.
Consumer complaint received 2020-03-14
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. (MS)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX     USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX  TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivable Collection Services, LLC (NY)

There has been multiple harassing letters sent to me from Receivable Collection Services in the year XXXX regarding a debt from XXXX XXXX XXXX. I am not student at XXXX XXXX XXXX! I graduated in the year XXXX and I have cleared all my balances with any university I attended in XXXX and received my diploma as a sign that proves I cleared any student balance. It is very suspicious that in the year XXXX, when I am not a student, Receivable Collection Services is threatening me stating that they have a bill from XXXX XXXX XXXX. This is unlikely. It is suspicious and it is invalid. I request this collection agency to immediately suspend any collection activities or any other activities using my name. In addition, I request them to no longer contact me by mail. I previously warned this agency not to contact me by mail, however they contacted me again. I also mentioned to them that I am not a student at XXXX XXXX XXXX and such bill does not belong to me. However, it seems to me that they have been continuously threatening me by mail. They have threatened to sue in the court. I would like CFPB to investigate the matter and potentially stop Receivable Collection Services from further illegal activities such as threatening me to collect a bill that does not belong to me. Thank you
Consumer complaint received 2020-03-14
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. (CA)

XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, Experian and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).