davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

XX/XX/XXXX I took out a loan with Spring Leaf financial ( Per conversation with Spring Leaf and her consumer credit report ). XXXX XXXX, Spring Leaf, and One Main Financial merge companies. My consumer credit report states the loan was closed on XX/XX/XXXX due to refinance of account. On XX/XX/XXXX there was a civil judgement filed against me stating that I took out a loan for {$5000.00} with XXXX XXXX and it was unpaid. I contacted One Main and they stated they sold the account to Spring Leaf. I contacted Spring Leaf Financial and they indicated to me they had sold the loan to XXXX XXXX. I contact XXXX requesting copies of the orginal loan documents with my orginal signature stating I have a {$5000.00} loan with XXXX XXXX they stated they do not have the file however the original loan from Spring Leaf had been written off. We are asking for a satisfaction of Judgement.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR ; XXXX BANK XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Back in XXXX of 2023 my Mortgage XXXX company Lakeview Loan Servicing notified me of a massive data breach. Ever since that time my payments are not being processed. Every month I go on line, make my payment, and then that payment is never drafted from my checking account. I call them, they tell me the issue is with an incorrect routing number on my loan account. So they update the information, remove the late fee and I have them process the payment over the phone. This has been going on for 6 months now. Every month they hit my credit report with a late payment note. Every month they charge me a late fee, and every month they tell me the issue is resolved, but it never is. Every month, twice a month I have to waste an hour on the phone with their customer service department who in the end do nothing. Now they tell me they will only accept a cashier 's check as payment. I feel at this point my only recourse is to hire a lawyer and sue.
Consumer complaint received 2019-05-25
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)

I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-03
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: ALLY FINANCIAL INC. (IL)

On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Ally Bank was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX , XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unemployment has a contract with Bank of America, XXXX XXXX XXXX. XXXX was a bad year for our family. We were unemployed, and had the flu, like most of the United States, we were barely making minimum payments to Bank of America, in XXXX XXXX, XXXX XX/XX/XXXX we were deathly ill. I called BOA concerning for lack of payments from us and why, they were confusing the unemployed account, with the XXXX XXXX XXXX account. In XXXX we informed them our rent went up and we were not able to make a payment, which they conviently increased from XXXX per month to XXXX per month. then XXXX I made contact, pleading for help, explained again our situation, they told us they would FREEZE our account until we could reach a positive, by agreeing to automatic payments, I gave them our bank account information as to have our account to take monthly payments to BOA, I asked if when I could make a bigger payment to help clear our account so we may use it again they said yes, upon making this call, I was informed they had closed the account in XXXX, But it was in XX/XX/XXXX we had made this agreement with BOA when we sacrificed to pay XXXX to bring the account current, then make monthly payments of XXXX.until it we met their agreement. The customer service rep for collections did not know about the Freeze program We agreed to, making the payment along with the monthly payment agreement to keep our account open. But the customer service rep explained they do have this program for those like us needing help, as per the agreement, they failed to honor their end of it. Although we are in the green with them We reapplied for their card again, only for them to deny our application.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NC)

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with Aspire aka Iowa Loan Servicing as an IBR plan was in place good through XX/XX/year>. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/year> and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I XXXX  to better my life not to make things worse. Please help me.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: N.A.R., Inc. (UT)

XXXX XXXX Sent Debt to Collections of Overdraft Fees. 
Which should of Been Reclined as Payment Plan I was offered. 

I disbuted the Amount oweing I sent in Several bank Statements with this amount is conflicting with the one the Debt shows which is over {$500.00} difference Is sent to Collections again shows on my Credit Report Still getting monthly bank Statements from this Bank Now I have Garnishment of my Payroll and this has Caused me A Historical Catastrophic Financial Response Taking my pay out of 20 % Also XXXX XXXX XXXX XXXX XXXX i had 27 hrs taken off also I am now Facing Debt Home Utilites Vehicles Insurances etc etc Damaging Threatening Occuring The Bank gets there {$1100.00} while I am now facing Repossions More Debt Higher Intrests Credit Damage Behind in Payments for what something that happened of {$190.00} in the Beginning If they had only sent me proper Documents and correspondence I would of Known to Resolve I tried to go in there and Resolve Oh we cant your account is closed but why are you sending me Monthly bank statements..They rather get triple the amount Proven.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.
Consumer complaint received 2017-05-26
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: EQUIFAX, INC. (IL)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   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   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp. (SC)

To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX  in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 



Kind regards, XXXX XXXX
Consumer complaint received 2019-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.
Consumer complaint received 2019-05-25
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. (IL)

Greetings, I applied for a loan from XXXX XXXX on XX/XX/2018 for {$12000.00} and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (GA)

I've reached out to Exeter finance Corp on several occasions as well as all 3 credit bureaus to advice this account with Exeter is fraudulent and was open under identity theft. I've sent in numerous police reports and notarized affidavits for over a few years now! This a violation of the fair reporting act! XXXX and XXXX XXXX have complied and removed the erroneous account, but Exeter and XXXX haven't which has put a major hindrance on my life!
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I have tried over the last 16 months to have my mortgage insurance removed. I was told by AmeriHome mortgage ( my lender ) that I must wait two years before they would even look at my request. Now after sending another email and making a phone call to XXXX then I asked for his supervisor XXXX, I was told they wont even respond to my request for 30 days, when their website states five days! I found out once the home is funded and recorded, mortgage insurance may be removed after a 30 day period, as long as the home qualifies. I have been in my home over Two years now and never missed or late with the payment and have updated the home with at least {$30000.00} in improvements. Not to mention the home value increase of 10 % at minimum in my subdivision. Not sure why this company is allowed to rip off its clients like this?? I have also copied Governor XXXX on my issue.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (MD)

I am writing in response to CFPB Complaints XXXX and XXXX filed against Military Star and AFFES. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, Military Star and AFFES claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a XXXX late payment as of XX/XX/XXXX, causing a XXXX  decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before Military Star and AFFES claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that Military Star and AFFES have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from AFFES and Military Star via XXXX  and XXXX, or by phone. 

I implore the CFPB to take action against Military Star and AFFES for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.