davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (FL)

I need this account to be reviewed and removed. I give permission for my insistent phone calls to customer service to be heard. The first call should be reviewed and it is 1 day after having acquired the credit I made a call to make the return and it was not accepted. The rest of the days it was USELESS to achieve communication with this company since they DIDN'T PROVIDE ME CUSTOMER SERVICE, they blocked my calls, they can verify it and their service was NEVER FUNCTIONAL, I don't have to pay!
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IL)

XX/XX/XXXX I paid a collection account settlement with Castle credit ( formally Prime accept ). On that day I requested verification MULTIPLE TIMES for proof it would be paid off. I was denied that request. 

I was told on that date that the balance I paid would settle and close the account and it would be reported as such with my credit bureaus. It was reported as current on my experian report which isn't. After attempting to call and request the change as well as a letter stating that it was settled SEVERAL TIMES, as well as proof that they are prime accept ( I need that proof for an underwriter on for a home mortgage, I learned today, XX/XX/XXXX, that it was not even requested as it should. 
The issue with the underwriter is I have proof I paid castle credit, but they see prime as a seperate account even though the acct. numbers are the same, on both. 

I have also on reccomendation from the CFPB to dispute with experian as well. I would like this resolved quickly
Consumer complaint received 2021-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (TX)

I got a XXXX loan from covington credit in XXXX i had a job at XXXX Needed it to help my son.I have been paying on it for 5 years, I still owe XXXX .they said they were helping me on months I couldn't make payment by refinancing for XXXX dollars .they told me it would help my credit scores .they would call every 5-6 months saying I have money like 30-120 I can pick up I earned it .and at first it was a month or 2 added on.I had to stop working in XXXX due joint XXXX .they offered to help I believed them cause They always said and talked about XXXX .they used my belief in higher power to earn my trust .I ended up having XXXX XXXX my husband started working in new mexico my XXXX was expensive.I called and said I could not keep paying them .I wanted to pay it off but they would convince me to take their handout which wasn't one .when I told them it would be a few months before I could pay on it .the manager showed up and brought district manager and threatened me .the manager acted like it was not him .they threatened me with taking my things and sueing all that .so on crutches I had to go into office where they convinced me I needed to refinance again.XXXX  when covid hit my husband was layed off i couldn't pay they offers to lower payments to XXXX a month for 4 months .they didn't tell me they were gon na charge me .I checked the amount I owed in XXXX it was XXXX and we were gon na pay it off and be done .but they called in XXXX a week before XXXX and said not to worry about the payment and they were gon na put XXXX in my account for XXXXI checked my stuff a few days agO XX/XX/XXXX it said XXXX was still owed I was shocked and confused and angry I looked at it in disbelief ..I looked online to get help I seen so many bad reviews and that was the XXXX .I seen all I could do so I followed steps I sent message to covington that im not paying XXXX for a loan that should of been paid off and did not call me or come to my house again till I contact u with a lawyer or debt consolidate.XXXX  XXXX XXXX XXXX .they started calling me that afternoon and next day which was a Saturday .I 'm not that smart on loans and interest I'm a trusting person and I have been thru so much in the last 5 years.I was paying XXXX a month on this loan even with the handful of times I picked up XXXX XXXX which XXXXwas only once the others were XXXX XXXX thru the 5 years and I missed only a few months during XXXX XXXX and when I stopped working I missed one month .then we made 4 months of 30 payments to cover.so I don't know how this happened.they lied .used my faith and threatened me .Covington credit XXXX tx office .I have called a lawyer and they are in violation .I want to understand how its not paid off .I 'm not paying another penny.
Consumer complaint received 2021-03-06
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Nelnet, Inc. (AR)

GREATLAKES AND TWO OF THEIR CONTRACTED COLLECTION AGENCIES CONSERVE AND XXXX KEEPS VIOLATING THE DODD-FRANK ACT.CANCEL DEBT AND HAVE DEBT COLLECTORS PAY ENTIRE BALANCE 1099-C TO IRS TODAY.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

In order to keep track of my mortgage payments to PPH Mortgage Services ( PPH ), a/k/a XXXX, I send my payments by USPS 2-mail with tracking. My monthly mortgage is {$760.00}. 
On XX/XX/2020 at XXXX XXXX  I call PPH to see why my payment for has not been applied to my account and PPH claim that they have not received my payment. After a 30 minute phone call with the customer service rep and explaining that I had tracked my package as being received by PPH on XX/XX/2020, the rep still did not have an answer for me regarding my XX/XX/2020 payment. The rep also told me that I could not send one check for payment that I needed to send 2 separate checks for payment since I have a split mortgage. I requested something in writing and has not received anything as of yet. The next morning XX/XX/2020, payment for {$760.00} had cleared my account overnight. 
It is now XX/XX/2020, I called PPH to inquiry about XX/XX/2020 payment which was received by PPH on XX/XX/2020. The customer service rep informed that I need to send it to the PO Box . I informed the rep that I have been sending my payment overnight via XXXX  to the same address since last year. I switched to the postal service with tracking in XX/XX/2020 due to working from home. I have until the XXXX of each month before a payment is late and I have never had a problem sending my payment to the business address. ( See attachment. )
Consumer complaint received 2018-05-06
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXXof month. Payment was not at any time past due.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A. (PA)

I am writing to request your help and notify that my rights are not being respected. I have an account with Flagstar Bank ac # XXXX, opened date XX/XX/2017. This company is reporting inaccurate information on my account. I have never been late on this account. I want to explain why are committing multiple violations to the FCRA. 

I must say that I tried to solve this big issue with them. On date XXXX, I sent a dispute notice to Flagstar. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED, as required by law. They even sent me a letter stating that theres nothing to investigate or correct and that they were not going to continue with the process. 

They are being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is another violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. They are also committing BREACH OF CONTRACT and the list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights and I am not the only one that is being affected ; this is a joint account ; therefore, another person is being affected because if this UNFAIR BUSINESS PRACTICES of Flagstar Bank. We have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Flagstar Bank refuses to provide a deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED : 1. Letter sent to Flagstar bank ( and proof of fax ).

2. BANK STATEMENT as proof of funds at the time the payment with Flagstar Bank was due. Proving this was not a money factor or even worst that I did not want to pay.
Consumer complaint received 2020-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

The Fair Credit Reporting Act represents the culmination of the aspiration of the Western XXXX settlers of this country that it become the foundation of a world where money is the sole authority ( the purpose for which Democracy was resurrected, as XXXX colonists recognized through the religious turmoil at the root of the collapse of XXXX aristocracy the underlying need for Humanity to be thoroughly governed by self-interest as best embodied by money ) through the unlimited authority granted to creditors to extort consumers into paying fraudulent debts, by having the FCRA consist of private companies being granted unlimited access to the personal information of consumers without their consent or the authority to consider any proof from them that information in their credit files is intended to further fraudulence or even criminality, leaving hiring an attorney as their only recourse. As outlined in my CFPB Case ( # XXXX ) and XXXX Complaint ( https : XXXX ) regarding this issue, the merchant has elected to continue to exploit the unlimited leverage granted to creditors by the FCRA to extort consumers into paying fraudulent debts as means of doing its part to secure this country 's place as the foundation of a world where money is the sole authority -- even as the world continues to unravel because of the inability of those in positions of authority to forgo short-term profits to provide for the public welfare -- by relentlessly pandering to other merchants at the expense of consumers, thereby furthering the inevitable collapse of the world under the weight of its own corruption.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAROLINA FINANCE, LLC (SC)

Carolina Finance has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. Carolina finance has charged this account off.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (AZ)

We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX   XXXX  ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do! 
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I had made several attempts to write to XXXX, Equifax, XXXX  also XXXX  XXXX XXXX. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

XXXX  XXXX XXXX Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}
Consumer complaint received 2023-07-27
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)

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late payment was never late, Please remove. The above named account was reported late on XX/XX/2023. The amount reported late is in the amount of {$550.00}. This is incorrect information. 

Transunion 's Resolution : XXXX XXXX XXXX was UPDATED, My Complaint : I requested to have the late payments REMOVED. The credit reporting agency has not removed the late payments. 
By LAW 15 USC 1681a under the exclusions that a consumer 's transactions or experiences are not included in the consumer report. How are you reporting this item as late on your system when clearly the law states on the consumer report its not supposed to be there?

Late Payments reporting to my consumer credit report is illegal according to LAW.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I have nine credit cards with various stores that are backed by synchrony bank. I contacted synchrony bank and was told all of my accounts with them had been closed. I have no notification of my accounts being closed previously from them or anything in writing. I was told that this was taking place automatically by their computer system across-the-board due to either late payments, credit worthiness, or due to my mortgage.I responded back to the customer service rep stating my credit score is over 700. do have other cards however have less than 13 % utilization debt to ratio, no late payments on any card I have. I just refinanced my home due to the interest rates dropping going from an FHA to a conventional, however did not any money out and only refinanced what I owed. The current amounts that I owe on their cards are very little if any amount at all. The customer service reps justification does not match my credit file, my credit worthiness or my credit score. Buy them doing this this will make my credit score drop and impact me tremendously. I feel this is incorrect and they need to be investigated. They can really ruin someones life who had good credit.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a small business account with Capital One Bank. I opened it online and previously had access to online bill pay. I do not need it that often, but it is important. I tried to find it again yesterday. but do not have it on my account. I called Capital One this XXXX ( XX/XX/23 ) to inquire as the info online for small business accounts states I should have access. I called the main contact number. I spoke with someone ( who sounded like she was in the US ) who could not even pull up my account info. She said since I opened the account online, I needed to call a different number which she transferred me to ( non-US call center ). My issue on this is not that it's not a US-based call center, but that there are 2 classes of account holders. I was told by the other rep that my account does not have online bill pay as a feature. I can change by going into a branch, but it would create a new account number which is a hassle. The closest branch is XXXX min away.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

We have been up-to-date on our auto-payments ( even paying extra towards the principal ) monthly when covid19 arrived in XX/XX/XXXX. We availed of the forbearance offer of Chase / XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX because of the fear and impact of the pandemic. Being slowly able to manage our finances, even while in forbearance, we resumed our monthly payments starting in XX/XX/XXXX to XX/XX/XXXX. We felt the covid19 situation was getting handled better so we called Chase on XXXX XXXX to officially opt out of the forbearance, have the other outstanding payments deferred and set up monthly auto-payments again for XX/XX/XXXX. Company rep " XXXX XXXX told us that our case needs a review and they will mail us their decision (? ). End of XXXX we got mail that our " Assistance Review Application (? ) '' is insufficient so we have to submit a hardship application complete with income, bank statements, 2 years ' tax returns, paystubs, pensions, etc., and foreclosure activity may proceed but house will not be sold until after XX/XX/XXXX. We feel this is so unfair, us consumers are being bullied and abused. Please help.
Consumer complaint received 2023-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC (FL)

the Home Equity Line of Credit has had a XXXX balance for months. 3 times via telephone and 3 times via letter, I have asked to close this XXXX BALANCE HELOC and they continue ignore my requests for updates on the status AND have ignored my request to close the loan and remove it from my property deed. 
I have called. I have written several letters and threatened action with the CFPB. They utterly ignore my requests to close the loan. 
Specialized Loan Servicing, Loan Number XXXX.