davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (FL)

I am formally requesting with this complaint to the Credit Bureaus to update and correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account needs to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$560.00}.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (AR)

On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Data Corporation (LA)

I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull XXXX
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

In XXXX XXXX  when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. 

See dept of education complaint XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

My loan is with Mr. Cooper, here is my email to them. 
I originally called XX/XX/XXXX to find out how you are calculating the rate as it appears you are overcharging me by .125 for the past several months. I was told that I would have an answer to my question in 7-10 business days. But prior to even getting the reason why I called out you needed to email me about auto pay. NOT NEEDED OR WARRANTED AT THAT TIME. I waited patiently till the 10th day and nothing. So I called XX/XX/XXXX, received XXXX this time and she said she would have an answer by Friday XX/XX/XXXX. Well she is no longer in the office so she didn't do her job of returning the phone call. I have a due date for my mortgage payment. The second I'm late you charge a fee, but first I receive incessant daily phone calls, which I get extra since I have two mortgages with you, till I make my payment. Where's your accountability? You're Mr. Cooper and you think you can just walk all over your clients? Don't have to respond but you can hound me for my money? I want to switch servicers as you don't seem to know how to figure my rate, where's my option for that? A costly refi that doesn't guarantee that I won't end back up here.. 
I need help getting an answer. If they are charging me an extra .125 then who else are they doing this too. Please look into Mr. Cooper and how they are calculating rates.
Consumer complaint received 2018-11-09
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. (GA)

I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters, as well as submitted supporting documentation to prove that this account is a result of identity theft and fraud. Experian has refused to remove or " block '' the reporting information from my credit report. Experian removed the account for approximately 10 days in XXXX however, they reinserted the item in XXXX. I contacted the collection agency as well as the Experian requesting validation of date that includes a contract verifying my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. Experian has stated that they have " verified '' the account as valid several times although I have disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to Experian further Experian has refused to block or remove the account from my Experian report. which has caused turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

Please reference CFPB Cases # XXXX and # XXXX. 

XX/XX/2018 : SLS responded to CFPB and indicated that my credit file was not affected by any derogatory report from SLS and the issue was closed. Obtained Release of HELOC from SLS prior that representation to the CFPB. Note also that SLS and XXXX indicated in multiple written correspondence that no derogatory information would be submitted to the reporting agencies within 60 days of loan transfers in accordance with federal law. 

XX/XX/2018 : I called and notified SLS that late payments were reported on my file. XXXX, in the executive office denied that SLS had reported such information since I had no such outstanding balance. 

XX/XX/2018 : Wrote to SLS to produce evidence to the false claim made to the CFPB that I indicated a prior forbearance agreement and expressed interest in disaster-related loss mitigation. Other evidence requested for other false claims made. No evidence was provided. SLS simple made this up. 

XX/XX/2018 : Wrote to the credit agencies asking to produce confirmation on which entities had reported these derogatory information. XXXX  removed the information while XXXX   XXXX kept the inaccurate information. Confirmation Received
Consumer complaint received 2018-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. 

On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

I received an email from Santander bank stating that I had just opened a checking account and that it could potentially be fraud. When I contacted Santander bank I asked them how they couldve opened an account in my name without having a copy of my photo identification to go along with the account to which they had no response. I am concerned that this bank is just opening accounts without verifying who people are and now fraud has been committed with my identity because of their lack of responsibility. I have had to pay for credit monitoring services because of this.
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (NY)

I had a medical bill from XXXX. I received a few bills from them but then they stopped - i figured my insurance accepted the bill. I have not received any bill since XXXX and I've never rec 'd a bill from commonwealth financial before. I found out it went to collections when it showed up on my credit. After I disputed with credit company they sent me a bill. How can you go 5 years not reporting to credit company for a debt and then report it to credit with no new bill. Ive been at the same address for going on 2 years now. Nothing from them until today XX/XX/XXXX. The debt is from XX/XX/XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC (OH)

A guy named XXXX keeps contacting me at work and contacting others. He gives me a case number XXXX oh. He is rude and Hangs up. I told him if I owe it send me a letter. He claims he has. I have not received anything. He first told me he was with XXXX XXXX XXXX but after calls to XXXX XXXX XXXX and other places I find out he is with Alliant Capital Management. When I tell him to stop calling he says he wont.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid 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: DIME COMMUNITY BANCSHARES, INC. (NY)

I purchased furniture with my visa debit card from my bank DIME COMMUNITY BANK. A year and a half later we realized the quality of the furniture was no good and went threw the process of getting a refund. I spoke with the seller via XXXX and they approved the refund and sent the money to the original payment method which was the visa debit card from Dime community bank. Sometime between that year and a half of the purchase we closed the account linked to debit card but the bank also changed from visa to mastercard. The amount is {$710.00} it was sent on XX/XX/2022. We also had add a protection plan to the furniture whish was {$110.00} which was also refunded to the same card. 
I went in person to the bank a few times trying to resolve this issue they keep saying they don't have the money I provided them reference numbers that XXXX gave me and XXXX say they cant do anything. Another day they told me that even if they could do anything it will takes months to get my money back. XXXX XXXX and she said that it takes months and that the problem wasn't of the bank. The issue is they switched from visa to mastercard.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act 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 Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years.

No Records Found.

Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name XXXX XXXX XXXXXXXX Account # : XXXX* High Balance : {$970.00}
Consumer complaint received 2018-11-09
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (VA)

Bought XXXX from XXXX  XX/XX/XXXX XXXX XXXX Financed with Honda Financial Corporation out of XXXX XXXX XXXX XXXX XXXX  Refinanced Loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX from previous Loan with Honda Financial XXXX for {$800.00} which we paid in cash was to be refunded. 
called the XXXX XXXX XXXX [ re : XXXX XXXX ] to confirm the entire amount would be refunded to me. 
XX/XX/XXXX XXXX  at the XXXX XXXX said the {$800.00} premium check XXXX XXXX was mailed to Honda Financial Corporation and cashed by Honda Financial XX/XX/XXXX. 
Honda Financial Corporation to date has kept the funds. They no longer answer the phone, letters, text or email. 
The dealership XXXX XXXX will not help as they have received their commission and it is no longer their issue I am told ONLY the Honda Financial Corporation in USA [ not XXXX the XXXX XXXX ] can help in this matter.
Consumer complaint received 2022-07-11
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. (GA)

Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account
Consumer complaint received 2018-11-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America is running a false advertising, Bait and switch scam. They offer nice incentives to open an account. Then when the customer uses the incentives to generate the bonus points and cash incentives the fullest extent, as specified in the contract. Bank of America closes the account. The prof that this is an intentional premeditated scam. Is in the contract. With all the identity theft, going on. Along with just plain typos. When a bank closes your account and cancels your credit card..They should be required to give you a valid reason. There is too much false, fake, and disinformation information, on the internet and in company data bases. There are over a Thousand people in the U.S.A with my same first and last name. When a business decision is made, to close anyone 's account. The customer has the right to know if that decision was based on their correct, valid information, not someone else 's. Especially personal banking information. Since Bank of America has include in their contract ( Bank of America can make a business decision to close an account any time for any reason. And keep that information from you. ) I believe this part of Bank of America 's contract was included to allow Bank of America to commit bait and switch scams. With the forethought that they could now defraud new customers who earned benefits and perks. Bank of America offered perks as an incentive to open an account. Then they close the account of people who use those perks. Bank of America believes this is a way to hide a false advertising, Bait and switch scam. I have talked with several people at Bank of America. I know they were all honest people who just needed to do what they had to do to keep their job. Personally, I quit a salesman job where I was trained to lie to people in order to make sales. It is a shame all honest people required to lie as part of their job do not have the resources to quit. Making the criminals, Do their own dirty work. I really hope the CFPB, Looks into, and has the ability to stop this kind criminal activity. Of all the types of companies in the XXXX XXXX  should be the most transparent. I hope the CFPB, does not allow Bank of America to continue hiding their scam in a contract. I am sure any contract intended to hide a crime is invalid. I am sure Bank of America knows this. I also believe they are not going to stop this scam until some one takes legal action.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NY)

I am writing to you because I am having difficulty obtaining stable employment due to my health. I am also requesting a payment that allows me to meet my medical and living expenses. I am not working due to several physical illnesses. I have XXXX XXXX, XXXX XXXX, XXXX XXXX  and generalized XXXX ( please see attached documentation ). I currently have no income and I do not foresee any improvement in the future, but my husband is willing to help me pay my student loans.

I obtained my XXXX XXXX in XXXX XXXX XXXX from XXXX inXX/XX/XXXX. I worked for three years with a very low starting salary. In XX/XX/XXXX, I was XXXX with XXXX XXXX   which has impaired me to continue in the field, but the amount of days which I am bed bound has also prevented me from obtaining any stable employment. My dreams and vision to help people with XXXX XXXX  has vanished.

Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan.

I believe I can afford to pay {$800.00} per month toward my loan. Please consider my offer, I am trying to reach out with all my best intentions. If you do not grant this request for a reduced payment plan, I will be at risk of default. If I received a reduced repayment plan, I may be able to avoid default, which is the best interest of all parties.

Please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response.

I hope we will be able to agree upon an acceptable repayment plan.