davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

on XX/XX/XXXX I received a letter from The Loan Care, LLC that my mortgage payment was late. Having been notified the month prior by XXXX ( my mortgage company prior to LoanCare taking over ) of the change in mortgage information, payment had been made to Loan Care on XX/XX/XXXX. I contacted Loan Care on XX/XX/19, and after spending 30 minutes and multiple calls got through to someone who stated they would refer this to the department that investigates. I informed LoanCare that I had already checked with my XXXX XXXX and that they confirmed payment had been received by LoanCare. I followed this up with printed confirmation via email and by postal service. As of this date, they are still showing me one month behind on my mortgage, and I am concerned about what this will do to my credit rating. I have NEVER been late on a payment. Calling LoanCare is the ultimate in futility as you can not get anything other than a recording. I can not get anyone to return my calls, or advise the status of my account other than getting past due reminders. I am retired, and can not afford to make another payment when proof has been provided to LoanCare of previous payment made.
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AL)

We paid off our mortgage and moved to a different house. The Lender failed to update my new mailing address and mailed my escrow refund, which was around XXXX dollars, to my old address. On XX/XX/XXXX, after not having received the check, I called the vendor and they confirmed they had the mailed the check to the old address and would reissue the check on XX/XX/XXXX allowing for XXXX business days before they can re-issue. I updated the address on this call. After not receiving the check by XX/XX/XXXX, I sent an email to find out where it was. I was told to call customer service. On XX/XX/XXXX, I called customer service and was told the check that was issued on XX/XX/XXXX was ALSO sent to the old address. I confirmed that they did this, even though my new address was on file. I was then told I would have to wait another 30 days for the check to be re-issued. This is a fraudulent attempt to keep the money and hope I get wore down while they earn interest on the money. I forwarded my mail a week before we even moved, and I have received other mail from this company, such as escrow analysis, etc.. I am confident that they have not even mailed ANY checks, otherwise it would have been auto-forwarded to my new address like the other things they have sent me.
Consumer complaint received 2023-06-12
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. (NC)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (MN)

Have called the financial company multiple times regarding the XXXX card wanting to work a payment plan, but will not cooperate and gets nasty on the phone when needing help. My wife had her hours cut at work due to XXXX and still not returned to regular hours and payments are getting way to high to keep up with due to interest rates. Asking for help to close out account and make payment plan to pay off balance. Debt has been on file for over XXXX years, I was able to do this with another bank no problem.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NC)

Premiere Student loan contacted me about my Student Loan with XXXX XXXX. I was told by Fed Loans that I did not need a third party to set up repayments. XX/XX/XXXX - XX/XX/XXXX, I paid {$1100.00} ( 5 months of payments in the amount of {$230.00} due on the XXXX of every month ). XX/XX/XXXX - XX/XX/XXXX, I paid a total of {$60.00} ( {$20.00} per month ). I was able to get the {$60.00} refunded after my Bank disputed the charges. I have tried to contact premiere Student Loans on several occasions to get the remaining {$1100.00} refunded without any success. I contacted a XXXX from Premiere ( XXXX ) on several occasions, but I am unable to reach her at the number that she left on my voicemail. I was originally promised that my Student Loans would be cut in half by going through Premiere Student Loans, but after consulting with Fed Loans I found that this was not accurate.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NM)

I purchased an item from a Business XXXX, using my PayPal credit card, the amount is {$1600.00}, in the first part of the Month of XX/XX/XXXX, the merchandise showed up delivered at my door broken/damaged, the following day I contacted the seller via email, to let them know of the damaged item, and that I will be shipping it back to them, he asked me to email photos of the damaged item to assist him in getting an insurance claim going with XXXX, I forwarded the pictures to him, I then called XXXX and had them come to my home inspect the damaged item and return to the sender, the XXXX  tracking return # is XXXX, XXXX  sent me an email stating that on XX/XX/XXXX the package was received and signed for by XXXX XXXX XXXX XXXX. XXXX TN at XXXX. I was assured by the seller that he refunded my {$1600.00}, back to my account, I have not received credit from Synchrony Bank/Paypal , I have made a total of 7 disputes starting from XX/XX/XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX, and my latest dispute was on XX/XX/XXXX, Synchrony Bank/PayPal refuses to refund my money, credit back my credit card account, most recently my credit report shows a 30 day late on my account, my credit score prior to was a XXXX score now it is a XXXX.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I did not know that XXXX  got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not know that XXXX got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX  refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

COMENITY BANK REPORTED A CHARGE OFF ON MY CONSUMER REPORT AND THIS MEANS THAT THEY WROTE IT OFF. 

ACCORDING TO THE FDIC EVERY ACCOUNT IS INSURED FOR {$250000.00} DOLLARS. IF ALL ACCOUNTS WITH BREAD FINANCIAL, THE PARENT COMAPANY OF COMENITY BANK AS WELL AS COMENITY 'S ACCOUNTS ARE INSURED FOR {$250000.00} THEN, COMENITY BANK DIDN'T LOSE ANYTHING. IN FACT, A FORENSIC AUDIT OF THE ACCOUNT WILL SHOW THAT COMENITY BANK COMMITTED SECURITIES FRAUD AND MAIL FRAUD BY XXXX. THEY CONTINUED TO SEND SECURITIES THROUGH THE MAIL BY WAY OF BONDS AND COUPONS WHICH THE LAW SATES THEY SHOULD BE ONLY SENT BY REGISTERED MAIL OR COURIER SERVICE. 31 CFR 328 XXXX. COMENITY BANK HAS NEVER SENT ME A 1099C XXXX. I DO NOT CONSENT TO MY PRIVATE INFORMATION BEING SHARED XXXX. AFTER COMENITY WROTE OFF THE DEBT, THEY RECEIVED THE INSURANCE MONEY AND THEN SOLD IT TO A THIRD PARTY DEBT COLLECTOR IN AN EFFORT TO TOTALLY HARM ME. 

XXXX. THEY DOUBLE DIPPED XXXX. CAUSED ME YEARS OF HARM BY REPORTING THE CHARGE OFF WHEN ITS ALREADY FRAUD FROM THE GET GO. 

XXXX. THEY DIDN'T FOLLOW THE INDENTURE AGREEMENT NOT THE INDENTURE ACT OF 1939 XXXX. SOLD MY RECEIVABLE FOR THIS ACCOUNT ON THE FIRST AND SECONDARY MARKET AND TOOK THE PRINCIPAL AND INTEREST When a debt is sold to a third party, that is considered a certificate of indebtedness. The cancellation of a debt means it is income and it is against the law to report income on credit reports/credit profiles. Please immediately remove all of the charged-off account from my credit report. 
AND THEN CONTACT THE THIRD PARTY THAT YOU SOLD THE DEBT TO AND DELETE IT OFF OF MY CONSUMER CREDIT REPORT IMMEDIATELY. 
THE STATUTE OF LIMITATIONS IN MARYLAND IS 3 YEARS. 
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet COMENITY BANK is reporting this information. 

The reporting of excluded information pursuant to XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of companies compliance. Provide me with the compliance disclosure on reporting transactions to a consumer reporting agency. derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved In addition : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (TX)

I am writing this letter on my behave, I send a letter to Equifax consumer credit agency to dispute report on my credit fill. on the XX/XX/2020. The Investigation took more than 30 days I didn't received a letter back about this issues. This show I'm not treated fairly under law. 

Therefore, I want them to dismiss them, take them out of credit fill. 

Thanks
Consumer complaint received 2016-05-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?
Consumer complaint received 2019-07-02
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. (AL)

My name is XXXX XXXX and I am XXXX years old. In early XXXX, I opened my first checking account only to find out that my identity was stolen. The bank officer showed me a copy of my credit report from Equifax and I saw that my credit had been used since 2016. I called and talked to someone from Equifax and they asked me to send proof of my identity ( ie. social security card/driver 's license ) so I could get a copy of my credit report. I sent the information off the next day and it Is XX/XX/XXXX and I still have not heard from Equifax. I really would like to get a copy of my credit report so that I can start the next chapter of filing a police report for identity fraud and get this removed from my credit report because I am just starting out in life and would love to have a clean slate. I hope that you are able to help me with this endeavor. 
Thank you, XXXX XXXX
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!
Consumer complaint received 2018-02-24
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. (TX)

To CFPB We previously challenged an inaccuracy on my Trans Union report # XXXX but as it turned out our beloved Trans Union didn't follow the law no, they sent us a report stating that they had investigated this issue and stated that it was mine. However, by law if you accuse someone of something, in a court of law you have to prove conclusively that what you are saying about someone is true, in other

words, provable, Trans Union fell short of this legal obligation putting it back on the ones who reported it, NOT ACCEPTABLE Trans Union.
Therefore, I have referred this issue over to our attorneys who ask us to report back to CFPB to let you know that if Trans Union does not follow the law and send us undeniable proof of this debt we will be forced to file a law suit against Trans Union who will have to pay for my time and effort, including a fine for this inaccuracy court cost and my attorneys fees. We would also request that CFPB do and investigation into Trans Unions practices to determine if this is standard and if so take the appropriate action to correct it.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NC)

hello I have tried to remedy the fact Carmax gave XXXX XXXX, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC (TX)

I called action financial services, they had outdated expenses for me. I moved to an apartment they did not accommodate the move and started garnishing my wages with no warning. One of my entire paychecks was going to rent every month. Now one paycheck is not even enough to pay my monthly rent. I called the department of education and they said there was nothing they could do except mail me financial hardship forms which will take 7-10 business days to arrive. On top of that a processing time of 30 days. I won't be able to afford my next months rent, utilities, and expenses.