davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

On Friday, XX/XX/XXXX XXXX XXXX ( ET ) I contacted XXXX XXXX   about a XXXX Credit Card issue on my account pertaining to interest charges below : As of XX/XX/XXXX I owed {$700.00}. 

Then they charged me four interest fees : XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$1.00} XX/XX/XXXX = {$760.00} Total interest charges were $ {$1400.00}?? 

There is NO way this is correct, can you please get this corrected? 

Message I received from them : " From : Comenity Bank Sent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Annual Percentage Rate Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up or further questions you have related to this concern, that you submit them by logging into your account and utilize the " Contact Us '' link. 

Sincerely, XXXX XXXX ''
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ocwen always denies my modification? I cant afford my payments, everytime that i call to check status on the application an this being every other day, they give the round around an there is always a doc missing from my end all though they say if I call one day they say package is complete and on another day that they realize i missed a paper, till I get tired and dont complete the process, this is after 2 1/2 month trying
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I have a account with a company called   XXXX   XXXX   but the are not receiving the data they need from my m y Chase or the y are always slow at sending   XXXX   XXXX   the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (CA)

My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (GA)

This company is reporting a fraudulent collection on my report. I had XXXX umber my husband while he was in he XXXX. XXXX has already paid the bill, but this company sent It off to collections. They have sent me a letter stating the balance is already paid, and still have not removed It. Under the fair credit reporting act this is illegal and must be removed immediately. I have already submitted disputes multiple times with no results.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX 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 2018-09-17
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. (GA)

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-17
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. (GA)

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD   XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (NY)

I got a car loan with Santander consumer USA with a high interest rate of 24 %, because I want to improve my credit score. Since I got the loan in XX/XX/2018 I always made my payments on time, but they won't report it to the credit bureaus unless I request an investigation from XXXX bureau. I spook many time with Santander consumer USA customer, but they won't fix it, and report each month. I don't know how should I get my credit score improved if they don't report to the bureaus. I pleased you to help me out with this, becasue I don't know what to do anymore thanks.
Consumer complaint received 2019-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually. 

I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps. 

I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance. 

This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time. 

I have tried on several occasions to rectify this with AES directly to no avail. 

Forgiveness Forbearance A XXXX  Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (AL)

I filed bankruptcy which results in the note being canceled. After bankruptcy I noticed I have a new account number that says my loan had started completely over. At this point I started researching. Ive been in the house for 4 years, paying more money every month than my mortgage statement said I owe. How is it possible after bankruptcy I have a new loan number and my debt started over from the beginning. I DIDNT AUTHORIZE A NEW LOAN. If the loan started over why wasnt I reimbursed the money I had paid towards my loan for the past 4 years. 

I started questioning the servicer. The servicer did not answer any of my questions directly. 
I paid money towards a modification and the servicer claimed they lost my documents so I had missed the deadline. I sent the documents over 3 times. I have files to prove my claims. 

I am aware that a promissory note is equivalent to cash value once signed. I am aware that value has to be given to secure rights that are set forth in the mortgage contract and no value was given in this case. 

I am aware that without the original note the mortgage contract is null and void because both instruments are required by law to lawfully foreclose on the mortgage contract. 
I am aware that UCC 3-501 requires a servicer to show authority to make a demand for payment. If the servicer will not exhibit the note or perform other legal requirements when requested to do so by borrower, the borrower is allowed to discontinue payments without dishonor until such time as the note holder or servicer complies with ALL laws or contract provisions.

I am aware UCC 9-203 ( b ) defines attachment and enforceability and in order for the security interest to attach the collateral value must be given. 

I have contacted the servicer via mail with a certified QWR several times without proper correspondence. 

I need CFPB to help me get the answers I seek before this servicer attempta to foreclose on my mortgage illegally and evict me from my property unlawfully so that they can file an insurance claim on a debt that was never valid.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Thaxton Investment Corporation (TX)

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to dispute through TransUnion and but they do not delete errors or outdated info. They update wrong info and will not let me place freeze. Unless I Pay them. They pressure me into validating fraud incorrect and erroneous data to gain access to my file. Address from fraud included and closed accounts as opens and show zombie debt popping up after it had been up previously deleted!
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kuber Financial, LLC (CA)

Ive contacted XXXX XXXX in regard my loan status and why payment hasnt posted. Ive checked my bank account and XXXX payment to cover XX/XX/XXXX didnt go through for unknown reasons. I received a notification from my credit report that a new account has been added to my credit file and posted as delinquent. So you know, my bank account hasnt changed and like I stated before, reasons why payment didnt go through are unknown to me. Please correct problem and update my account with credit reporting agencies because you're hurting my credit and score. That payment shouldve been deducted automatically from bank and it wasnt. 

I've also contacted XXXX XXXX several time after that first issue and payment has been set up for deduction, only never leaves my account. I guess there's an exiting problem with my account from XXXX XXXX 's end that prevents me from making payments or for them to take them out. 

Attached all communication about problem and how many times I tried to make payemnt.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (ID)

A new auto loan was made on XX/XX/2015, ( I am the co-signer on the loan for my daughter ) The first payment was due on XX/XX/2015, that payment was made and since that time there has been 24 payments made all together. When she would make the payment at the local bank, she always asked if there was anything else she owed, and was always told no, the account was current and in good standing. A couple of weeks ago she was told she owed over {$200.00} in late fees and had to pay two months worth of payments.

She went in and paid {$200.00} in late fees and two payments totaling {$800.00}, even though she was not late and recieved no explanation as to why she owed this money.
Consumer complaint received 2018-09-17
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. (AZ)

I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX, XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I called XXXX to set up service for mobile hotspot. The person I spoke with said they package I would be getting would be unlimited data. Used the service for about 4 days before the data was slowed dramatically. Immediately called XXXX to report the issue only to discover that they had limited the amount of data service I was able to use because I had exceeded 30 gigs of data which they showed in the system was my plan versus the unlimited plan I had been told over the phone. Although they brought the issue to my attention by limiting service they also didn't do so until after 280 gigs of data had been used causing the enormous bill. I called repeatedly for months but could only reach over seas call centers that basically said I need to pay the bill or they would turn over to " collections ''. They refused to provide the requested documentation showing what I had agreed to versus what I was provided. Ultimately, I started to receive emails for a " collections '' company who come to find out was an inhouse debt collector for XXXX. More recently, they switched debt collectors. The new collector has been requesting for a 1/2 invoice settlement. In the meantime, XXXX is limiting our ability to purchase new products as a result of the bill and their collections emails have never once stated that the purpose of their letter was for the intent of collecting a debt. During the porcess of my initial months of repeated calls to XXXX, I learned that the person who originally set me up with the service, over the phone, couldn't add the device to our business account because it already had XXXX devices on it. This is important because our business account is all unlimited data. They had to create a new account in order to apply the XXXX device and that's where I believe the unlimited data was lost but I was never made aware. Further, XXXX is limiting our ability to purchase new services and devices on the business account even though the device with the complaint was set up on a different account. We feel as though we have been mislead, refused help and documentation when we've asked for it, and ultimately penalized and threatened for a situation created by XXXX themselves.
Consumer complaint received 2017-06-16
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)

Transunion LLC  XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   Maintenance Document Control   XXXX . Box  XXXX   XXXX , TX  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since  2013 . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX  Bank to keep the mortgage information on my credit report.   They just recently acknowledged receipt of le tters ( respons es attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to Transunion,   XXXX   XXXX   XXXX   in  2013 , yet they turn ed a blind ey e and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Reli ef Act ( SCRA ) a nd the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCR A, SCRA and  FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our cred it files IMMEDIATELY.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I ha ve contacted   XXXX   XXXX   XXXX   in regards to an account listed on my credit report that I do not recognize. They are reporting to the   XXXX   major credit bureaus on behalf of Synchrony Bank. I have asked  XXXX  to  verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent  only 1 letter  saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.