davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-30
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. (OH)

I informed XXXX XXXX XXXX that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (IL)

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX XXXXXXXX 2XXXX XXXX XXXX 3. XXXX
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.
Consumer complaint received 2018-05-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance (OH)

I applied for a loan of {$400.00} on line on XX/XX/XXXX. They approved me and I was under the impression that the loan would be paid back in 4 payments. My monthly payment amount was {$250.00} and was done by automatic withdraw on the 4th Wednesday of every month. I am on Social Security XXXX  and that is when I get paid. In XX/XX/XXXX I contacted them to confirm that my last payment would be in XX/XX/XXXX. They informed me that the payments would continue until XX/XX/XXXX.At that point I had already paid {$770.00} on a {$400.00} loan. I asked what interest rate they were charging me and I was told 650 % and I was told that was the rate I agreed to. I never agreed to pay 650 % .I thought the interest rate was either 35 % or 40 % which is still a lot but I was in a pinch. I stopped payment at my bank on XX/XX/XXXX so that no further money could be taken out of my account by them. The name of the company on the bank records is XXXX XXXX XXXX. I have received phone calls and emails from a company called XXXX XXXX and a company called XXXX demanding payment of $ XXXX.Last week XXXX  put me on hold so I could speak to a supervisor ... .I hung up after being on hold for 10 minutes. All of the people who have contacted me have foreign accents. I received an email from XXXX stating that I could send payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   OR send payment to : XXXX XXXX XXXX XXXX XXXX  same address only Dept. number is XXXX instead of XXXX.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Our mortgage was sold to Carrington Mortgage https : //www.carringtonmortgage.com/ and they did not apply the payments properly. This caused late fees and harassing phone calls. We can show consistent on time payments. We pay XXXX 's payment on XX/XX/XXXX, XXXX 's payment on XX/XX/XXXX. This initial problem was solved after months of harassing phone calls. Carrington was wrong we were right. Carrington removed the late fees because of their errors. On these calls I asked for the call to be escalated, I was transferred and told I was talking to a supervisor, instead I was talking to the person sitting next to the person who called me who was 'pretending ' to be a supervisor. They admitted to lying to me when the call get heated.

They badger, and bully good paying customers and make you write them when they can call you at all hours. They tell you to follow one path then when you do they say, follow this other path.

Today I am calling Carrington to have a late fee removed because there was a change to my escrow account and they did not apply my payment. Instead the kept my payment in unapplied, added a late fee and now will not remove that late fee. I was made aware of this by a phone call from Carrington. I made the make up payment within a coupe of days.

I asked for a supervisor and was told they were not available and if they were they would not waive the payment either. I was told they can not spend too long on a call.

Previous to today, when I called to find out why my payment was not applied I was told they could not waive the payment at that time and would have to call back. Now when I call back they say I have to write. 

This takes hours of time away from me waiting on hold and writing. I understand there are people who game the system and don't pay their mortgages. That is not us, our records show consistent early payments, yet we continue to be abused by this company, their practices and employees.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (VA)

I recently received notice from my human resources department, that a company named Velocity Investments LCC is trying to garnish my wages. Prior to this garnishment notice, I have never heard of this company. This garnishment attempt is a violation of my federal rights under the Fair Debt Collection Practices Act. A creditor can not attempt to collect a debt without first providing notice of said debt, and giving them a right to dispute it. 

Also, I believe they are violating my rights under Virginia state law. The statute of limitations to collect a debt in the state of Virginia is 6 years. I have access to my credit report with all three credit bureaus. I do not see anything on my report from Velocity Investments , LLC ; not even in my public records section. So this debt is well over 7 years old, and has already aged off of my credit report.
Consumer complaint received 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting Act, Dept of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX AND 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, 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 an account without my written instructions.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello XX/XX/XXXX I believe or XX/XX/XXXX I sent money to a friend I meant to send it from my debit card because I know transactions usually come out right away this transaction I did through Venmo I sent my friend some money I guess when it was time to have them take the money out they said venmo gave the money on my behalf which I never asked them to do and nowhere in any of their polices that I saw or asked a rep by the name of XXXX to provide me with a policy or something that clearly states venmo will front the money on your behalf if its not there because I still got a nfs fee by my bank so that was already taken care of but venmo fronted the money so now they want me to pay XXXX dollars because I did pay XXXX dollars and then XXXX and then I thought why am I paying this I did not ask anyone to front the money for me I didnt ask anyone to do anything for me so I strongly believe I dont owe anything I should not owe anything I provided polices that I found on venmo account I just got done talking to XXXX they sent the transaction to collections already and I spoke to a. XXXX yesterday who said I have to pay it meanwhile venmo doesnt say anywhere on the policy that I have read that says they front the money on your behalf because if that is the case I shouldnt of received a XXXX dollar fee from my bank which I have proof of
Consumer complaint received 2022-03-02
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. (MA)

XXXX XXXX XXXX  OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees.

We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

My insurance company purchased an Windstorm insurance that no one told me I needed and I didn't purchased when I closed or before closing the house more than 18 month ago. 
I closed my house in XX/XX/XXXX and I was informed that I needed flood insurance and premium home insurance ( both I purchased before my closing day ) and I was very aware that I needed to keep both policy active but no one told or made me purchased an additional insurance for windstorms that cost more than {$4000.00} dollars extra that I can't afford. 
I was blindside by my insurance company with a policy backdated XX/XX/XXXX that cost {$4300.00} that I didn't even know I had or had to pay until XX/XX/XXXX. 
If I have known that I needed to pay over {$7000.00} in home insurance only annually I will have never closed with Crosscounty Mortage. I have asked around and no one I now in nj is been forced to get a Windstorm insurance by their lender must important part is that it wasn't a necessary when I closed this mortgage and no one told me about this {$4300.00} extra expense will be added almost 2 years later and why I'm I getting this notice more than 7 month later that the effective date. 

I can't afford and extra surprise insurance on top of my flood that is very expensive and my premium insurance, it feels like I encounter and issue with this mortgage company every other day.
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (CA)

Tried to apply for a joint account at XXXX XXXX. Didn't give me option to add his information and went to credit terms agreement. I didn't click on submit because it wasn't complete without his info. They still pulled my credit on the incomplete application and denied me. Application number # XXXX. Called two different numbers but they would not correct application. Wanted to me to go to a dealership to correct. So they pulled my credit without my authorization and denied me. Negatively impacting my credit score. I'm sure I'm not the only one stuck like this. They have a problem with their on-line application process they need to fix since it submits application regardless if you accept their credit application terms or not.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/2023 went into the car to be a co-signer for a vehicle priced @ XXXX upon doing the application first they had you to electronically sign your name, after completing the application and going over Buyers Order. Nothing was discussed or shown about apr or all other misc. add on. Did not know about the outrageous charges untill I received the first payment notice in the mail.That 's when i made an account was able to see the outrageous cost of the vehicle.I called the bank and the young lady stated that the dealer was supposed to give me a copy of the bank documents The young lady stated she will mail me the information of the agreement. These are not the terms I agreed upon. I tried calling the dealer concerning why i was not told or shown or given the disclosure of the bank 's interest rate and high apr but to no avail. I have texted the number that was given no avail. If I was informed of the outrageous prices I would never have purchased the vehicle. The dealer sold me a car under false pretense.
Consumer complaint received 2022-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
Consumer complaint received 2022-06-17
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. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX XXXX XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Back in XX/XX/2021 my Account was closed at Citibank they never contacted me to let me know of any supious activity on my account. We XX/XX/2021 the account was closed and they say it would take if to 30 to 60 days to receive my remaining balance after closing the account which is XXXX. I called in XXXX to see if they mailed the check and they say yes back in XX/XX/2021. Now I have not received the Check. I called to see if it was returned cashed or just returned..why did I ask that..the rep asked me to verify my address phone number d.o.b everything for her to put me on hold for 40 minutes for her to tell me to call back wen I can verify my address..what??. I have been dealing with this matter since XXXX. I've lost everything behind this Citibank and they act like they don't care..I just want my money and try to get my life back..please help.I called today XX/XX/2021 and I'm still getting the run around. They say they sent 2nd check but nobody at Citibank that I've talked too can tell me anything..I 'm tired of dealing with these people I feel they are XXXX me and trying to keep my money..I don't know please I just want my money. Its been too long for an account to be closed since XXXX and here it is XXXX and I have not received anything. Its like if I don't contact them about my money then they won't reach out to me and let me know something..I asked them was there a tracking number the rep says no. I ask can y'all XXXX the check the rep says no. But they XXXX me a debit card wen they blocked my old card. I'm really thinking I need an attorney cause this just don't make since..ill never ever use or recommend Citibank to anyone.. I just want my money ... they told me that they were sending a letter to explain about my check I haven't received nothing. They won't let me speak to a manager or supervisor.. They speak in a language I don't understand.they hang up on me many times.. This frustrating.CPS has taken my kids..I lost my job. I lost my car. I've lost everything behind this bank and still have not received a dime if my own hard earned money..and all they can say is " Oh I'm so sorry to hear that.. '' But unfortunately you have to call back ... I'm like for what I'm on the phone with you now..and just like that the phone hangs up and here u go again crying yelling screaming cause u can't get any any help. I don't have any documents to send. They haven't contacted me for nothing..if I didn't call them they wouldn't contact me..
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (CT)

There are 3 missed payments on my account There all paid in full amd I would like them removed off my credit report as it affecting my score There are 3 missed payments from XXXX XXXX XXXX XXXX of 2019. From Sheffield Financial