davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (FL)

On XX/XX/18 at XXXX XXXX I received a call from XXXX XXXX representative XXXX XXXX. I have sent two letters in the past asking that XXXX XXXX only contact me by mail, and to cease other forms of contact. However, XXXX XXXX is continuing to call me. I understand XXXX XXXX has a right to try and collect the debt I owe them, however, they are supposed to respect my right to have contact through the mail, which is stated under the fair credit reporting act. Additionally, I am already sending them what I can afford, and those checks are being cashed monthly.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Consumer complaint received 2018-06-14
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: Experian Information Solutions Inc. (SC)

XXXX and Experian are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency XXXX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy EXPERIAN : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO EXPERIAN FOR ANY OF THEIR SERVICES
Consumer complaint received 2018-10-19
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. (CA)

I have disputed the late payments on this XX/XX/XXXX XXXX account for months. XXXX   and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CHECK INTO CASH INC. (OH)

In XX/XX/2018 some one applied for a cash loan using my personal information, Which is now on my credit report as a hard inquire. The institution is Check into Cash located in XXXX, XXXX
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

I have made extra payment this year to reduce my balance to < 78 % of the original purchase price of my home so that I could automatically eliminate PMI insurance on my Mortgage. 

The original purchase price / appraised value of my home was {$210000.00}. On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity in my home is 77.489 % which should have triggered an cancellation of PMI insurance. 

On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity on my home 77.26 %. I was still charged PMI of {$91.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I called Freedom mortgage and the agent on the phone confirmed my balance was below 78 % and was not sure why my PMI was not cancelled. He state the department that handles that does not take customer calls and I would need to submit an email. 

I emailed XXXX on XX/XX/XXXX Attn Correspondence department. 

I am requesting that PMI be removed from My account. I have paid down the balance so it should no longer be required. 

Loan XXXX signed with my name address and phone number. 

I received and letter dated XX/XX/XXXX. In this letter they are basically only listing options that would require and Appraisal be done on the properly. One of the statement even state the new appraisal must demonstrates a loan-current value of 75 % for loans aged between two to five years. 

They are total ignoring the fact that the Homeowner Protection of of XXXX required and Automatic Termination of PMI when the principle balance of the mortgage reached 78 % of the original value of the property. 

It is my under standing from reading CFPB Bulletin XXXX that a new appraisal is not required and PMI should have been cancelled on my account. 

I believe they owe me a credit for {$91.00} per month since XX/XX/XXXX and I should no longer be charged PMI.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (NH)

I keep getting calls from the phone number XXXX ( XXXX ) XXXX, or other variations of it. Not once have they left a voicemail. Without a voicemail explaining who they are and what they want, why would I call back? I have been scammed too many times. Sometimes they call 4-5 times a day. This happens at least every day, sometimes every other. They called me 10 times in the last week alone. Sometimes they call before XXXX XXXX, multiple times this past week they have called after XXXX. I spoke with them once, they told me they were Reliant Capitol Solutions and trying to settle student loan debt. They are not listed anywhere on my credit report. When I tried to work out a payment plan with them, they insisted that I had to pay {$1500.00} upfront before they would work out a monthly plan. They refused to work with me. If I can only afford {$50.00} a month, how can I just give them {$1500.00}? When speaking with them on the phone the first time, the man on the other line started questioning why I dont have {$1500.00} to give them. Dont I have parents, family or friends who can loan it to me? Dont I have a credit card? My mother is dead and my father lives 2000 miles away. They raised their voice and became aggressive with me. I have worked out payment plans with other agencies and never been treated this way. This leads me to believe it is a scam. I am more than willing to work out a plan and pay back what I owe, but I dont trust a number who continuously harassed me. This needs to stop.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hello, I've leased my XXXX XXXX on XX/XX/XXXX with 39 month lease, maturity date of XX/XX/XXXX, upon the maturity date, Infiniti contacted me to see what I want to do and I've asked if it was possible to extend my lease, they agreed to extended it for additional 3 months, after that period they extended for additional 3 more months, so the total extension was 6 months. My original pay off balance on the contract upon the end of the lease is {$36000.00}, I've decided after the extension to purchase the vehicle, and Infiniti is telling me that even though you extended your lease and you have paid for additional 5 payments, that amount is not being applied towards the original pay off balance, and my pay off balance is the same at {$36000.00}. I've spoke with the management and they've told me that we've advised you over the phone and that they have my phone recording that I've agreed to extend the lease without the additional payments being applied towards my pay off balance, that is not true I've never agreed to that, I've asked them to share the recording with me that I personally over the phone agreed, but they are not willing to share it because they don't even have it, ( complete lie ). To my understanding and my previous experience with many different car companies if the lease is extended the additional payment you pay for the extension is being applied towards the residual value and the pay off value if you were to choose to buy at the end of the extension. With Infiniti there is nothing on the contract that if the consumer extends the lease at the end the additional payments made will not be applied towards the pay off balance, nether they have provided a documentation to me to sign acknowledging that this additional payments made will not be applied towards the pay off balance. Please help me resolve this issue with Infiniti this is totally unfair consumer practice on behalf of Infiniti financial ( XXXX XXXX ). 
Please let me know if any documentation might be needed. 

Thank you.
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (IL)

I have been paying back my XXXX student loans to Discover/XXXX  for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.
Consumer complaint received 2021-10-30
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-03-08
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT 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
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (AR)

ON XX/XX/2019 I APPILED ONLINE FOR A XXXX XXXX CREDIT CARD, REFERERNCE NOXXXX, SEE ATTACHED. I HAD A SECURITY ALERT ON XXXX, BUT WAS REMOVED AND NOW NEED THEM TO LOOK AT MY CREDIT TO FINISH APPLICATION PROCESS TO ISSUE CARD.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (WA)

I received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges. 

A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments. 

I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges. 

I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA. 

So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges. 

EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge. 

I am concerned that this fraudulent bill will negatively impact my XXXX XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-19
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: Experian Information Solutions Inc. (AL)

I have submitted letters on the following dates to XXXX, Experian and XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

capital one- XXXX I have received repeatedly phone calls all through the day ( robo ) recorded calls the name is XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  THERE WERE MORE PHONE CALLS THAT WAS CALLED REPEATEDLY I WOULD NOT HAVE ROOM TO LIST THEM ALL.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX  or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (MS)

On XX/XX/2021 i loaded {$500.00} on to my Chime Account card. The only money I had TO MY NAME. I used it at a XXXX XXXX XXXX XXXX and XXXX XXXX for breakfast. Later that afternoon on XX/XX/2021, I went to a local bank and tried to use the ATM. After trying to use the ATM, I received an email from CHIME stating they closed my account. They took WHAT I HAD TO MY NAME and what I had left after XXXX. Now how am I supposed to get my kids what they need??? I have tried to call them and when I do, it says they recognize the phone number and my account is closed. I have tried to send MULTIPLE emails and have had NO RESPONSE to their 24/7 customer service statement. I have advised them I would send proof of identity and still no reply. I have also advised them if they do not handle this matter, I will contact my attorney. No response.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.