davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NJ)

Owe 1 past due car note payment and the car company has called me over 4-5 times a day ... everyday for 1 car note past due payment..this company also calls after XXXX XXXX in the evening concerning payments..the company also have representative who call my spouse multiple times a day regarding my debt..the company representatives sometimes call ( name on caller ID ) and dont say a word ... this company is atrocious on how they handle debt from consumers and they should be investigated immediately.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I have contacted the company 3 times. Sent letters asking for proper validation of debt owing with my signature and they always send me some type of computer generated letter. The amount is for XXXX from back in 2017. According to law they need to send me documentation with my wer siganture proving this debt is mine. My husband was also told that this debt was his but yet the credit bureaus couldn't verify so it was deleted.
Consumer complaint received 2022-09-26
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. (IL)

I value your help to REMOVED a portion of the items in my credit report that came about because of a FRAUD yet I have an Items passed on that should be taken out or Removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Here are the list of items that needs attention in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (CA)

I sent a dispute letter to Equifax via certified mail regarding accounts that do not belong to me and unauthorized credit inquires. I received a response stating the information I disputed is not in my credit file. I was in complete shock as I looked at my credit report and every item is in fact listed and reporting. So they did not investigate the matter at all. I called today XX/XX/2021 regarding the items and was told they can not help me. I proceeded to ask for a supervisor and spoke with XXXX who said she could not do anything without the documentation. I explained they have the documentation, ad was placed on an extended hold. She then advised one of the unauthorized inquires could be removed and that is all she could do. I advised her I was filing a complaint against them as they are violating the FCRA!
Consumer complaint received 2020-02-18
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. (FL)

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

XXXX on XX/XX/XXXX sent notice they were transferring my loan To A Freedom Mortage. And By law they must notify Me who they are within 15 days with the Loan no. And where to send the payments to. I heard nothing from them Until today XX/XX/2020, stating I am Past due on my XXXX XXXXpayment. ( I never been past due on any Payment, I even pay an extra {$1000.00} a month to pay my 30 loan off in less than 7 years. ) I called and spoken to 2 reps, saying they didn't have to notify me within that time period.I received the notice 17days past the due date and that was legal. They will not modify the date because I should have paid it on the first. ( Without any information about my loan, Loan no. or where to or how to pay it. )
Consumer complaint received 2017-11-09
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: Experian Information Solutions Inc. (SC)

This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (VA)

I have tried on multiple occasions to have my Zelle Account XXXX deleted. The first time I called was XX/XX/21 and requested my account profile be deleted. I was told it was deleted only to find out it was not deleted but was inactivated instead which allowed the information to remain in their database and the account to be reactivated. I called again to follow up XX/XX/21 and was told it would take 45 days to complete my request and they would deactivate my account. 

I am writing this complaint because Zelle is telling me they can not validate my account due to the address on file not matching what I provided them when the account was initially set up. I dont see how that could be a possibility when I set the account up and clearly know my own address. 

Im frustrated because I have read that using Zelle and other applications like it leaves a person vulnerable to potential fraud if the account was hacked. I am trying to get ahead of any possible issues relating to that happening to me especially since my credit union and or bank would not restore any funds that were stolen. 

Please advice and compel Zelle to DELETE my account from their database.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX system did not correctly update or accept the correct reporting from XXXX a XXXX XXXX. XXXX is INCORRECTLY stating that i was late with my credeit card payment in XXXX and XXXX of 2021. I called XXXX  a XXXX XXXX, and it was confirmed through staff there that I did NOT, indeed, miss a payment. There had been a mistake with XXXX. My credit report with both Equifax and XXXX is XXXX points higher. This is a problem with Equifax. I am demanding that my information as well as my score be updated immediately.
Consumer complaint received 2020-02-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (UT)

Dear CFPB, I have been working on selling my home as a short sale since XXXX of XXXX. Roundpoint needed to get a lien released for {$5500.00} that we couldn't pay for so it was initially closed. My real estate agent then was able to resubmit the paperwork and we were able to get into a short sale again. The bank needed that lien released for {$5500.00} and we had to borrow money to get this lien released. We were told that the file was complete various times. And now the short sale is closed and we have a foreclosure sale date for XX/XX/XXXX. We are asking the consumer finance protection bureau to investigate the Roundpoint mortgage services Short sale review practices. We were ready to close on the week of XX/XX/XXXX and now they are denying the short sale. I am worse off now than I was before, I'm more in debt and would like to avoid at all costs having a foreclosure on my credit.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NE)

After the lease ended, we decided to purchase the car. We refinanced the car with our local credit union on XX/XX/2019. A few weeks later, the credit union reached out to say that they did not receive the title. I first reached out to Hyundai, on XX/XX/2019 via the internet. I was requested to follow up via the phone. I called XX/XX/2019 to ask about my title status. After being on hold for over 1/2 hour, I was told it was because the odometer statement was never submitted to them. ( They never sent an odometer statement in the first place. ) So they agreed to send it to be docusigned. The statement was signed and sent back to them. I called the following day to verify if they received the document. They told me that they couldn't verify it because it hadn't been three days yet, so to call back. At this time, I asked that the bill of sale be sent as well. They said that they could email that to me. I called back after 4 days ( I gave them an extra day ), They said that the document signed didn't work because they accidently clicked a box on the form that they sent me. ( There was no followup from the company to me to let me know this. ) The form was signed again and sent to Hyundai. We requested that they send the title and bill of sale at this time as well. They promised that the title would be released within a week and the bill of sale would be mailed and we would get it within 5-10 business days. We received the title release as of XX/XX/2019. We further waited the end of the 10 days, with no bill of sale from Hyundai. We called again and were told they would email it to us within 5 business days. At this time, we verified the email address again. 5 days has passed again and we have not received anything. We called again today and they said they would have it to us within 3 days. 

They received our payment at the beginning of XX/XX/2019. It has now been two months, of dealing with this company with no results. Within our state, we have 30 days to register and pay our sales taxes. I can not complete this without the bill of sale on the vehicle. That window of time has passed and every additional day we are charged interest and penalties on the taxes due. 

We ( my husband and I both ) have spent an exorbitant amount of time ( hours ) attempting to fix this and Hyundai seems largely unconcerned with helping us resolve this issue.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

There is an issue with  Navient 's websi te where their site throws an error every single time I try to make a payment on  XXXX  of my loans. I have reported it to the company twice now, and this is the third month in a row where I have gone to make a payment and the site errors. What 's more, because my loan is technically in deferment and no payment is formally due, I can not use their automated phone system to make a payment, as it will not allow you to make a payment when no payment is technically due. This means I have to call their customer service center every month when I want to make a payment, which entails waiting until their call center is open, calling their service center and navigating menus, waiting for an associate to take my call, explaining the problem to them yet again, looking up my routing/bank account number to read to a total stranger, etc.. This presents an unnecessary barrier for my loan repayment.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (TX)

I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. 

Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, XXXX XXXX XXXX  XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
Consumer complaint received 2022-03-25
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. (VA)

I contacted a clerk at the court and I was informed that they not not provide or verify information with credit reporting agencies. Transition claimed to have verified with the courts, the three bankruptcies reported by TransUnion. But that is a lie because courts do not provide or confirm information with credit reporting agencies. The clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with TransUnion. Please hold TranUnion accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for TransUnion to remove these bankruptcies.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have made every payment on time for 30 years, never missed a payment!!! 
Every year the servicer reviews escrow. Any shortage I pay in full. When the current servicer, Mr Cooper, took over the mortgage servicing I did the exact same thing when they offered me the opportunity to pay in full or over time in XX/XX/2019. I paid {$1700.00} for an escrow shortfall along with my regular payment. This is where they started the problem. For some unknown reason they misapplied the funds and started billing me for the difference, holding up funds, charging fees and penalties. I continued to make my monthly payments according to the monthly statements sent to me. The following year was another escrow accounting and my monthly payment lowered. As I had for 29 years and according to their statement, I started my new payment on XX/XX/XXXX. 
Since XX/XX/2019 Mr Cooper has played by their own rules of applying funds and penalties on a regular basis. I have communicated with them in writing almost every month asking for corrections as I neared payoff of this loan, 30 years this year. On XX/XX/2019 I spoke with XXXX ext. # XXXX who stated it was their mistake and they would correct it. On XX/XX/2019 a written notice was sent priority mail again asking for correction. ( receipt available ). On XX/XX/2019 I spoke with a XXXX XXXX XXXX who said again they would straighten the account out. In the mean time nothing changed ( and still nothing has changed ). Mr Cooper continued to misapply funds in an unapplied funds account there by counting payments late even though every payment has been made at the amount stipulated on the new statement account at the beginning of each year. I continued to make the payments and the loan should be paid off in full. 

AND, are you ready for this, my last payment due on this loan was returned in stead of paying off the loan. The check that was sent to me from Mr Cooper labeled my XXXX payment as a payoff shortfall and refunded it to me in full. Now they are trying to foreclose because they returned the last payment. 

I do not have the ability to scan or upload documents. BUT every item in this complaint has a matching document to support what I have written.
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

Source Receivables failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 
Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 
As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false
Consumer complaint received 2020-02-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (AR)

I was contacted by XXXX XXXX XXXX, whom represented XXXX XXXX of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX  XXXX  was not the original third party collector and not the most current but still contacted me as a collector. XXXX  XXXX, aka XXXX XXXX hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Summary : I signed up for a XXXX American Express Card for the advertised XXXX miles, but only received XXXX. 

I received an advertisement from American Express " XXXX Card, which stated that I would receive XXXX bonus miles plus a {$100.00} statement after I spend {$2000.00} within the first 3 months. 

The advertisement was within the XXXX App ( XXXX ), and I took a screenshot of the advertisement prior to signing up, then clicked a link which opened a XXXX Browser. 

One of 2 things happened in this process : 1. During the " XXXX app '' to XXXX switch, the miles reduced from XXXX to XXXX miles, and 2 very large companies had not recognized nor fixed the issue. 
2. American Express intentionally switched the values, with the hope that most consumers would let it go. 

My response from customer service at XXXX, had me contact American Express. American Express told me that I only signed up with a reward of XXXX miles, though they will investigate with a 6-8 week timeline.

***The switch from XXXX 's ad in the app, to American Express in XXXX should be the earliest American Express has, so American Express will unlikely see the XXXX App side, and the ad I responded to. 

I find it difficult to believe that 2 very large companies that regularly pump out advertisements of XXXX miles would assume I would purposefully seek an offer of XXXX miles when there isn't an advertisement for that, and will do what they can not to honor the ad.
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (CO)

I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
TO BE REMOVED IMMEDIATELY FAIR COLLECTIONS AND OUT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX