davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (FL)

In XXXX My XXXX XXXX XXXX  was in an accident and the insurance company paid out what the car was worth at the time. after 8 months of fighting with the police station to get a report we finally got one and the GAP holders ( as of today even with the information they need ) refuse to re open my GAP claim to payout the remaining balance of the vehicle loan. ( approx 3500 $ ) and it is now affecting my ability to get another vehicle because of it. The lien holder is Wells Fargo Dealer Services. The GAP holders are XXXX XXXX XXXX. We are currently STILL in litigation with the insurance company about this matter almost 3 years later to determine the amount of damages that have occurred health wise to my wife. The GAP holders keep telling me because there is a 210 day window for proper documentation to be received that the claim is outside of that window and refuse to do anything about it leaving me XXXX with the rest of the loan being delinquent as Wells Fargo continues to report it monthly to my credit report.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ME)

Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX, they are a second mortgage based on a refinance. For the last 7-8 months they have not sent a monthly statement. I have requested several times for monthly statements to be mailed or at least emailed. They refuse. They tell me that they no longer send statements because of the cost of paper. When I asked to have it emailed to me, I was told they would not do that and I would have to go online and login each month to view my monthly statement. I asked if there were any exceptions and their customer service told me No. I believe this is against the rules. XX/XX/2021, I spoke to a Customer Service Rep named XXXX that said there was nothing he could do about it.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Since the beginning of XXXX I have made numerous verbal ( on a recorded line ) and fax requests with MOHELA regarding Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. I have received contradicting correspondences from MOHELA ; physical mail confirming they received and are processing my request and will reapply the payments within 3-5 business days and contradictory on the website it says they cancelled my request. 

MOHELA made an unauthorized payment on XX/XX/ by fraudulently applying my loan payments against my Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. 

Since XXXX I have made multiple attempts to call and reconcile this issue with MOHELA but it's impossible to get a representative and when I do, I am put on hold and transferred endlessly. After months of trying, I spoke with a supervisor, XXXX, last week, who told me she was unable to reconcile my issue and that it would have to escalated to another department, which I still have never heard back from. 

Despite my best efforts to reconcile this issue with MOHELA, I have been given absolutely no recourse against being defrauded by MOHELA. I have made official complaints against MOHELA with both the Department of Education and Studentaid.gov ; neither have responded.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I purchased a car through XXXX XXXX  in XXXX, Arkansas.  I have made all my payments on time, and paid off over $4,400, and only owed $XXXX  as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XXXX 2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it afterXX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of XXXX, over to a collections agency for consulting our company did for them. XXXX  called and XXXX  me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the XXXX corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (IL)

I received a threatening phone call from Stuart-Lippman and associates , INC Located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXXXXXX XXXX XXXXXXXX. Telephone number XXXX XXXX, regarding a outstanding debt of {$3800.00}. I was never notified by the original insurance company of an outstanding balance. After I contacted them that the insurance company stated that the balance was {$3000.00}. This is an insurance that was provided by XXXX XXXX XXXX XXXX XXXX for malpractice insurance. I have been receiving harassing and threatening phone calls from this debt collector. Please advise
Consumer complaint received 2020-10-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: United PanAm Financial Corp. (CO)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX. I put a {$1500.00} down payment on this vehicle The total price of this vehicle was {$6000.00}. I was financed through a third party financing company named United Auto Credit at a rate of 21 %. United Auto Credit address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have been trying to get my license plates for this vehicle through the local DMV but was told twice now that they ( DMV ) has not received the title from the car lot nor the finance company. The DMV has given me two 60 day temporary tags but can not issue anymore without the title or necessary paperwork. So far I've paid nearly {$4000.00} into a vehicle that I can not legally drive or even obtain the title for. Obviously, I can not return the vehicle without damaging my credit. I have lodged a complaint through the DMV, the XXXX, the FTC, and now the CFPB. I've also spent over a {$1000.00} on general maintenance and other repairs on this car.
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, has violated my rights, and 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 2022-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (FL)

First off Federal Law prohibits anyone from collecting taxes other than the taxing authority. KIA Finance ( KIA ) is attempting to collect taxes on behalf of a municipality where I do not reside and have not resided in a year. 

KIA paid taxes to a municipality where I did not reside. The taxes they paid represented XX/XX/XXXX to XX/XX/XXXX. KIA told CFPB ( Complaint XXXX ) that the taxes they paid were for the year XXXX but that is false. The CFPB closed the complaint based upon KIA false claims. KIA hasnt even requested a refund from the State of Massachusetts XXXX XXXX XXXX who is aware of the false taxation levied against me. I am XXXX  and use my car to receive daily care at a XXXX  facility and KIA has threatened me with destroying my credit because of these false and illegal taxes. 

I contacted the XXXX XXXX XXXXXXXX, MA at least XXXX in writing ( email and registered mail ) see attached and they claim that KIA hasnt requested a refund of the erroneous taxes and that they may take another month to issue a refund even though I first asked for the refund in XXXX, XXXX. 

The CFPB needs to ask Congress to disallow Auto Finance companies from acting as tax collectors. This is not lawful and if a tax authority can not find a former resident ( because they moved ) more than likely its because they left the state. Each state has license plate readers so they know when residents leave the State for good. This is unlawful false debt collection that is causing serious harm to Americans who are being forced to move frequently due to ridiculous increases in housing costs. Please do something to help Americans rather than just close claims. It is becoming difficult to stomach paying taxes to any State or the Federal Government anymore.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act Account Number XXXX - XXXX XXXX and Account Number XXXX - XXXX along with Experian Credit Agency 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 602 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (FL)

I have contacted Green Sky on multiple occasions about them reporting a charge-off on my credit report when there was never even a late payment. I had a joint account with my mother for a Green Sky home improvement loan. My mother filed for bankruptcy a year after getting the loan but I continued to make monthly payments on time. When Green Sky decided to report the loan to XXXX, they reported it as a charge-off while providing payment history of uninterrupted timely payments. When I called Green Sky, they told me that the charge-off is reported regardless of me making monthly on-time payments. For an account to be a charge-off it has to be delinquent for at least 120 days, of which is not the case here. However, it is a violation of the FCRA to knowingly report false information to credit bureaus. Green Sky called me to fix the issue, admitting it was an error but they had to consult a manager to fix it. The supervisor I spoke with never called me back.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

This Complaint is directed towards Equifax, XXXX  and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX Equifax removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (AR)

I purchased a car through Car Mart in XXXX, Arkansas.  I have made all my payments on time, and paid off over $XXXX, and only owed $XXXX as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XX/XX/2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX   office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it after XX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of CarMart, over to a collections agency for consulting our company did for them. XXXX   called and cussed me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the CarMart  corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.
Consumer complaint received 2020-04-19
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)

Since I have not attended college since 1995 both navient XXXX   TransUnion and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2018 I received " Collection Notice letters, from a collection agency. One from the original creditor : XXXX XXXX XXXX, XXXX and the other from XXXX XXXX XXXX Neither name I am familiar with. The debt had been sold to XXXX XXXX XXXX. After checking the license/bonding in the state of Florida, XXXX XXXX XXXX does not appear " Active '' on any list. This is the name on both of the letters they sent attempting to collect a debt. However once I checked on the XXXX  site and rechecked licensing, I noted that the address is the same on a company called XXXX XXXX XXXX. Although both share the same acronym, the two names are not the same. Perhaps they are using a fake company name? I'm not sure. However I do know the names must be the same AND actively licensed/bonded to legally collect, or attempt to collect a debt, in my state.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TN)

In response to a letter from American Express hardship program, I made multiple payments on time and more for the amount owed. Amex sent me a collection letter stating that I haven't paid based on the agreement. This is not a true statement. I have proof that I have paid on time since being in the hardship program. Amex will not return my calls and states that is now in collection. I have tried to handle the dispute with American Express but they refuse to work with me regarding the mistake in there credit reporting.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (GA)

There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Consumer complaint received 2024-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (AZ)

I made several payments on my HELOC totaling XXXX in XXXX. All the payments were then deleted with my bank statement stating there was a misapplication reversal but the money was not moved back into my checking account and is simply gone. I have been calling for two weeks and am only being told they are working on it but my line account still shows the payments were not applied and the money is missing.
Consumer complaint received 2023-03-24
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. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX