davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: American Financial Resources, Inc. (GA)

I am writing to file a complaint regarding my VA loan experience with ELEND. After closing in XX/XX/year> for a double wide manufactured home from XXXX XXXX in XXXX, I discovered city ordnance preventing the placement of a manufactured home on the purchased property. Despite my transparent communication and diligent efforts to resolve this issue, including pursuing zoning amendments, rezoning and exploring alternative structures and builders, ELEND has refused to modify the contract or provide any support and wants the entire amount spent by them up to this point in one incredible lump sum with no option of manageable repayment.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My complaint ( s ) are filed against XXXX XXXX .aka, Loancare aka ( loan ending in XXXX ) the collateral is XXXX XXXX XXXX XXXX with a payment of XXXX formerly serviced by XXXX, 2 ) the 2nd loan serviced by XXXX XXXX @ XXXX, formerly by XXXX XXXX XXXX and the collateral being XXXX XXXX XXXX XXXX ; the vagueness multiple names is cause for concern is confusing.to the ordinary person. In XX/XX/XXXX I had two loans with ) 1 ) XXXX and 2 ) XXXX XXXX, presently XXXX is now either XXXX  XXXX, or Loan Care, I have received billings with either name? simply stated their has been a transition in # 1 one above from XXXX to Loancare/XXXX  XXXX, that loan ends in XXXX and the monthly payment is {$560.00}, due on the 1st and late after the XXXX. My contention is that both these servicer 's intentionally process payments to " become late " to earn the penalty fee ( late charge ). Note, I send all payments to loan servicers by 1 ) proof of mailing 2 ) proof of service by mail by a 3rd party ; and a transition in # 2 from XXXX to XXXX? During the transition payments were made as directed in monthly billings although XXXX and XXXX were paid twice in XX/XX/XXXX instead of XXXX and Loancare/XXXX XXXX. Holding funds hostage is the name of their game, they are the gatekeepers of the payment received department and they have made my current accounts, all paid to date, late continuously incurring inapplicable penalties. The focus with Loan Care/XXXX  XXXX in the current debacle is payments made during XX/XX/XXXX and XX/XX/XXXX. First, payment was made through their online service and ( see attached ) on XX/XX/XXXX and a copy of the transaction was put in my files. Loancare 's negligence in processing the online payment was discovered when there was no deduction with the associated bank account for XXXX. Plaintiff, then wrote a check and sent it to Loan care 's XXXX XXXX address. Again, the transaction was not completed and no check was cashed. This was not discovered until the time the XX/XX/XXXX payment was due and after the payment due on XX/XX/XXXX was made. Loan care cashed 2 checks in XXXX, one on the XXXX and one on XX/XX/XXXX both for {$560.00}. It took 3 attempts to complete payment for XXXX, one online and two by check ( see attached ). What can your organization do for me?
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

I switched over my loans to Naviant, it being involved w/ the Department of Education I thought it was safe. I am now getting charged a much higher interest rate than what it is supposed to be at this present day. I was told that I am paying the interest rate of what it was at the time I got my loans.
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: CarMax, Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Dates Fraudulent Accounts Opened : Amount : Company : XX/XX/XXXX {$1400.00} Barclays Bank Delaware XX/XX/XXXX {$5100.00} XXXX After I applied for an auto loan in XX/XX/XXXX, I reviewed my credit report and noticed that there are multiple accounts that were opened under my name with no knowledge about them. I was shocked to find out that I had been a victim of identity theft since my information had been compromised. Me being a victim of identity theft has negatively impacted my life severely causing me to have the worst experience of XXXX and XXXX. I had no idea what to do next. I knew that I had to do something to get the fraudulent accounts corrected immediately. I did some online research and found the FCRA and Federal Trade Commissioner helpful in which had led me filing a police report as it did get approved by XX/XX/XXXX. Furthermore, I had obtained an approved police report and sent it to each major credit bureau via certified mail, affidavit, and notarized to have the fraudulent accounts removed from my credit file. However, only one credit bureau has been compliant thus far and the remaining two have not. The actions I took to try to get my identity theft problem resolved was to also file an identity theft report with the Federal Trade Commissioner as well is to mail the report to each credit bureau ( XXXX and XXXX ) as well as contacting the creditor directly. Still, nothing resolved.
Consumer complaint received 2022-10-13
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Additionally, I have reached out to the furnishers and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # XXXX 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
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (AZ)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ASPEN NATIONAL COLLECTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assurance Professionals LLC (TN)

Good evening, I hope you can help me. I am respectfully requesting your assistance to help me resolve this collection matter with XXXX XXXX. I attempted to resolve my billing issue with XXXX by making a payment over {$1000.00} yet they still turned me over to a collection agency. I received a collection notice from XXXX XXXX XXXX on XX/XX/2018, showing a balance owed of {$3000.00}. I made payment arrangements to try and pay this balance off. In XX/XX/2018, I made a payment to XXXX XXXX in the amount of {$1300.00}. However, XXXX XXXX still reported my account to the three major credit bureaus, even though I had made arrangements and paid a substantial amount in good faith. They also violated the 180 day law by reporting my medical bill balance to the three credit bureaus and now it is on my credit report. This has damaged and ruin my credit when I have made every effort to get this bill paid with XXXX XXXX. I am a young college student, still living at home with a limited income and this is causing me continual distress. Because I made arrangements and have made a substantial payment towards this bill in good faith to take care of this debt, I would like them to remove this negative information from the credit bureaus immediately. In addition, they did not wait 180 days before reporting to credit bureaus. I am hoping that you can assist me with this matter as I would like to resolve this with XXXX XXXX in good faith.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery is harassing me weekly by sending multiple letters through mail to obtain a debt already settled. Settlement letter is written by portfolio recovery with a XXXX  balance but yet they seem to harass me through mail to collect a non existent debt. I never signed a contract with portfolio recovery they do not have products ito offer just a leech that attaches themselves to individuals credit profile for the sole purpose of monetary gain. I am requesting a cease and desist of all calls, email, mail contact with me immediately.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (VA)

The amount is in correct. On my report stated my loan was {$810.00} with a balance of {$490.00} owed. I have been paying them {$25.00} every two weeks. So far I have paid them {$370.00}. But, we I reached out to them because I didn't see my balance change they said I owe the whole balance. And the company name is different from my report. I have proof from my bank account. So, then he changed the amount owed after I talked to him to the {$390.00} balance. And they are reporting that I'm not paying on my report.
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing errors on my credit report on accounts thats reporting inaccurate information on TransUnion, XXXX and XXXX  for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX XXXXXXXX, XXXX collection account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXX  listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: SHABANA MOTORS (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : SHABANA MOTORS XXXX Balance {$9900.00} ; SHABANA MOTORS XXXX Balance {$0.00}
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Every year since I move into this home which was XX/XX/2016 my escrow has been miscalculated. First year I was off {$810.00} with a Deficiency payment of per month which my payment jumped from XXXX to XXXX. The following year it was off {$2300.00} with a deficiency payment of {$56.00} and mortgage payment of XXXX. Now this following year it was a shortage/and or deficiency of XXXX with deficiency monthly pay of {$140.00} which now I am paying {$200.00} for monthly regular payments for escrow with an additional {$140.00} on shortage payment. The insurance have not change over the years still in the same price range. the first year I paid out of pocket for a year in advanced.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (PA)

I was not contacted by XXXX XXXX XXXX (would have disputed claim) prior to NCS collection call to me XX/XX/XXXX about alleged police incident.I have obtained a copy of XXXX incident report that XXXX XXXX is using to claim liability against me.The police report notes police are unable to prove their allegations and their client ("victim") is unable to identify accused. No charges have been filed against me for this XX/XX/XXXX alleged incident.Additionally, my SSN, not provided by me, was published by police (their attorney has admitted they shouldn't have released my SSN).
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (SC)

On XXXX XXXX I mailed the next 9 car payments to Honda Financial Services, XXXX XXXX XXXX, XXXX, XXXX XXXX telephone number XXXX. On XXXX XX/XX/2023 they claimed they never received these payments. I did a stop payment on all 9 payments and mailed them 9 new payments VIA the US Postal Services on XXXX XX/XX/2023 VIA certified mail with signatures required. On XXXX XX/XX/2023 they tried to process the 9 payments dated XXXX XX/XX/2023 ( stop payments already made ). On XXXX XX/XX/2023 they signed for the certified letter containing the next 9 payments. On XXXX XX/XX/2023 they telephoned me asking why I had not made the XXXX payment ( they had the XXXX payment plus the next 8 payments in their office since XXXX XX/XX/2023 ). It took them over 30 minutes to locate these payments and they can't tell me when they are actually going to post these payments. I have excellent credit and I will not allow Honda Financial Services to mess up my credit because they are not processing my car payments in a timely manner. I will NEVER buy another Honda car. They have the worse customer service that I have ever seen, and they do not post your payments for more than a week after they receive them. It appears that they are trying to make their customers have bad credit by not processing payments in a timely manner when they receive them.
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

On XX/XX/2019 my friend 's XXXX  with the username : XXXX was hacked into. On their story was a screenshot of a PNC bank virtual wallet account that read " Who has a PNC account and wants to make money today? ". I then gave them my login to my online banking. They would send in {$1000.00} twice and have me send it out in the end I was promised {$3000.00}. The first {$1000.00} was sent on XXXX  to $ XXXX, the second {$1000.00} was sent on XXXX to XXXX  XXXX.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, 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. (MO)

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, XXXX ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX  XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) 10 ) XXXX  XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX ( XX/XX/XXXX) 13 ) XXXX XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/XXXX )
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX. 

In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX. 

I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later. 

On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ). 

I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices. 

A strongly disagree. 

To summarize : 1. I have proof that TD Bank does not post payments on transaction dates. 
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX. 
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement. 

I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IA)

Dear Sir/Madam, I am contacting you in regard to the Zelle transaction XXXX my friend on XX/XX/XXXX and XXXX, 2021. According to the transaction on his account and statement sent me {$500.00} XXXX times on XXXX on these dates but I did not see the transactions on my account and statements as well. Besides I have an account with XXXX XXXX XXXX and he has an account with XXXX XXXX bank. Thank you very much in advance for assist me. 

Best regards, XXXX