davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

In XX/XX/2022, I contacted Bethpage Federal Credit Union to buyout an Auto Lease with them, and change it into an Auto Loan. 

After running through process problems with them completing that auto loan, I was finally able to complete it, and I submitted signed documentation to them in early XXXX, with the completion of the loan, to put the loan on Auto-Pay. 

In XX/XX/2022, I noticed that my credit score had been damaged because of missed payments on this Auto Loan. I contacted Bethpage, made the missed payments, emailed them the completed Auto Pay form from back in XXXX, and complained that my credit had been damaged. 

They summarily dismissed my complaint as " not their problem '' and refused to fix the credit report issue. I was under the impression that I had been put on Auto Pay. 

On XX/XX/XXXX, the night of XXXX XXXX, I was surprised that a Repossession person showed up at my door and took my car. Apparently I had not been put on auto pay again, and was missing 3 months ( XXXX, XXXX, XXXX ) of payments. Now I'm being charged a fee to pay for the repossession ( {$470.00} ). 

I have contacted Bethpage, they refuse to say that it's their problem in any way, can't give me information on why my auto pay was never processed, and won't help me file an internal complaint within their organization. They claim they are investigating, but I never see the results of their investigation other than a denial of fault, and more damage ( financial, suffering, credit score damage ). They refuse to help and claim that it's all my fault. 

I believe I have experienced XXXX XXXX with them, that I am being singled out, that their processes fail for some odd reason and I'm not being notified or helped.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APEX Asset Management, LLC (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on APEX ASSET. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX issued a loan to cover XXXX  care that was supposed to be interest free until a date, giving time to repay the entire amount before interest accrued. A payment was due on XX/XX/XXXX which was missed due to personal emergency ; an additional {$200.00} was added to the amount cited on the pay-by-phone account information call of {$2200.00} on XX/XX/XXXX bringing the outstanding balance to {$2400.00} -- that's an additional charge of {$200.00} accrued as of XX/XX/XXXX. It took 30 minutes to get through to a person at a call center in the XXXX who would/could not help but kept repeating the same sentence. This is usury and the CFPB is supposed to be protecting us ordinary citizens against these usurious practices. This bank needs to be investigated and regulated and punished for charging usurious rates of interest.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and Experian. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
Consumer complaint received 2021-02-18
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. (MD)

XXXX XXXX and Equifax did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for two years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Consumer complaint received 2018-05-15
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. (MN)

Dear XXXX. XXXX. TRANSUNION I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I was told by PHH Mortgage at the Beginning of XXXX that I could get a 3 month forbearance plan and the payments would be put at the end of my mortgage and then in XXXX to start making my regular payments, it turns out that when I call them on XXXX XXXX, 2022 to make my payment, my relationship manager said that I owe XXXX, then he said that he would try to work it out, to wait until he calls me back on XXXX XXXX, he call back and said that he couldn't help, but would sent it to a commit to see what they can do for me. To wait unlit XXXX XXXX and then he would call me around XXXX XXXX. After talking to him he said that the only way they can help me is paying around {$10000.00} to bring my account up to date, the only problem is that they Lie to me in XXXX when they gave me the forbearance plan for 3 months. Now I have unlit XXXX XXXX to file a appeal. If they had told me the truth I would have done something else instead. They say that all calls are recorded so if they go back to XXXX when I call them they can see that they afford me a 3 month forbearance plan and that mtg payments would be put at the end of my loan. I have appeal their reason for non-approval. I don't want to lose my home after 39 years living there its all I have and am retired, Hope you can help me. Thanks XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX PHH Account # XXXX Everything has been done over the phone with PHH Mortgage Co,
Consumer complaint received 2021-02-18
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. (MD)

XXXX, Transunion and XXXX did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for XXXXwo years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Account : XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents
authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (OH)

I was not properly notified that my student loan repayments were to begin. I regularly monitor my credit score, and discovered that my accounts were overdue when my score dropped roughly 150 points on XX/XX/19. I did not receive any correspondence via mail or phone, and due to the wording of their emails, they were sent directly to my spam folder, which I do not check. I immediately paid the amount due on XX/XX/19. When I called and spoke to a representative today, XX/XX/19, I was told that the credit report could not be removed despite inadequate notification and my prompt payment. I understand that issues with communication arise, however, my credit score should not be negatively impacted by this.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXXXXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.
Consumer complaint received 2019-07-17
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. (TX)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX  Account # XXXX date open XX/XX/2018 XXXX XXXX XXXX Illinois actions negative remarks XXXX XXXX  credit card XXXX # XXXX XXXX File number XXXX reporting name wrong XXXX XXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have been making an extra payment to my mortgage with BoA on the XX/XX/XXXX-XX/XX/XXXX of the month every month for several years now. The regular payment is due on the XX/XX/XXXXof every month - I have always paid on time and there are no pre-payment penalties in the mortgage agreement. The extra payments have been going towards future payments ( interest included ) and not the principal balance. I have contacted BoA numerous times, most recently XXXX XXXX, resolution specialist for regulatory complaints. I have previously filed two CFPB complaints regarding this matter ( Case # XXXX ) and there has not been an adequate resolution. BoA is still misapplying my mortgage payments. Page 3 of the mortgage statement regarding application of payments clearly states : " If your loan is current and you submit additional amounts, [ ... ] if no instructions are provided they will be applied to the principal of the loan. '' Furthermore, under the title Paying Your Loan Ahead, it states : " We allow you to prepay your periodic payments one month in advance. '' " [ ... ] any attempt to prepay more than one periodic payment on your loan will result in your payments being applied to the principal of the balance of your loan. '' Throughout this issue BoA has been aware of my desires to apply extra payments to the principal of the loan. They have been continually misapplying these payments, in violation of their own terms and agreements within the mortgage, and the application of payments statement, as well as inaccurately reporting these future payments ( interest included ) on my credit report.
BoA 's solution to prevent future payments from being misapplied all include using services that  charge per payment. I currently use XXXX XXXX XXXX XXXX who writes a check to BoA twice a month. I am unable to write a personal check due to travel as a function of military obligations ( XXXX ). Through BoA 's attempted collection of fees for payments they are artificially inflating my interest rate on the mortgage, and preventing me from paying down the principal of the mortgage to further the bank 's collection of interest. I am again requesting that BoA retroactively from XXXX 2017, and in the future correctly apply additional principal only payments to the loan and abide by the terms and conditions stated in the mortgage agreement, and issued monthly on their statement to me. Currently my mortgage is paid through XXXX 2017 - this is completely unacceptable, and not accurately reflected in my credit report ( a violation of the Fair Credit Reporting Act - subject to a {$1000.00} fine ). All mid month payments shall be principal only payments from the origination of the loan until it is paid in full.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (IL)

OnXX/XX/XXXX I called XXXX XXXX Credit card that I overpaid my bill by {$310.00} and I requested to send me my money back - I should receive check from 7-10 days. 
I called XXXX XXXX card again after 16 days on XX/XX/XXXX and I've told representative that my refund check didn't show up yet. 
He offered me to cancel first check and issue new one after 7-10 days. 
After 14 days on XX/XX/XXXX I called XXXX XXXX Credit Card and I asked them to check what did happen to my second refund check? 
XXXX XXXX Credit Card representative told me that currently they are working on fraud case to determinate who took my check and my money from my account? 
So I won't get any money until the case is closed. 
They didn't give me case number and they took money from my XXXX XXXX Credit Card account. 
Would you please help me to force somehow XXXX XXXX Credit Card to refund my overpaid amount {$310.00}? If I own them money they charge me late fee {$35.00}, when they own me I should charge them {$35.00} but I can't. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 's account : XXXX
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney XXXXenerals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.