davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Commercial Acceptance Company (PA)

I was told I was a cosigner for my brother but I never recieved any proof. Also if that is the case why did the collection agency process a wage attachement through proper procedures for not paying rent. They have his social security number, work place all the information they need to cllect from him instead I was harassed and I recieved no paper work. I am XXXX I have n't worked since XXXX XXXX, 2004 thst is the precise date I was XXXX.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) these 3 accounts below have been reported inaccurately and should all be removed from the credit profile XXXX XXXX  Date opened XX/XX/XXXX Balance {$6600.00} Status Account charged off. {$6600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. XXXX Experian has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter.

time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by XXXX. 

and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Experian i would like a all XXXX accounts listed above removed immediately, a swift resolution to this matter within XXXX business days no later that XX/XX/XXXX thank you XXXX, XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I filed a complaint with the CFPB asking them to check an account on my credit report for XXXX XXXX. Needless to say that the Bank is concealing that the fact that they have turned over the account with a collections agency. The collections agency responded as XXXX XXXX  and did not identify that the response was coming from a collections agency. I asked XXXX XXXX to send in the dates of delinquency and or to remove the account from my credit report. I was overcharged in a transaction with XXXX XXXX  deemed XXXX. They are still trying to collect on this account with all these problems. The credit Bureaus have yet to step in to determine where the problem is and to fix this issue. I want the payment history and I asked for them. No one has responded yet with this information.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (NC)

We paid this debt in full but they refuse to tell the creditors that it is. I have an email proving so, but my dispute just came back stating that Rent Recovery Solutions said it was not paid. We paid via XXXX XXXX and was told by XXXX XXXX, our account Represenative that if we sent a XXXX XXXX our debt would be deleted off our credit that day. Here we are a few weeks later and it still isnt And they arent telling the creditors our correct balance with is {$0.00}. This account should be closed and deleted from our credit immediately.
Consumer complaint received 2015-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

My initial loan was for the amount of {$19000.00}. After 4+ years of perfectly on time payments my current balance is at {$23000.00}. Close to {$1000.00} of this is only from the past 3 months of non-payments. I have ceased payments do to the fact that my servicer ( Navient ) may come under suit from you ( the CFPB ). I believe I am a victim of everything your pending suit entails. Dodgy practices, exorbitant interest, have all kept me in debt and makes sure that I continue to be. 
Preliminary estimates of my balancing book show that the above debt is all but nearly paid. However as stated the debt has only gone up, after 4+ years of payments. 
The school that I attended, The XXXX, located at XXXX, XXXX, PA XXXX, owned by XXXX ( XXXX XXXX XXXX ) has also come under fire, adding insult to injury. They too are dealing with impending litigation for their practices, mostly which have to do with private loans. However this claim is against Navient and their practices. 
I urge the CFPB to continue there research into the practices of Navient and follow through with there suit against the company. Doing so could help thousands like me currently dealing with this company as well as help future students from companies like Navient.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (TX)

I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Service International Corp (GA)

Credit services international corp is a third party collector I do not have a contract with them nor did I authorize consent for my personal information to be shared They keep closing and reopening collections and its affecting my credit Im asking for them to be removed immediately
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I began a loan refinance with Band of America Home Loans on XXXX XXXX, 2016. On XXXX XXXX after giving all information to Loan Officer my loan was denied without any full explanation of why or other alternatives. Furthermore, I was told by Loan Officer on XXXX XXXX that if Loan did not close I would be refunded the appraisal fee of {$690.00} and on XXXX XXXX when loan was denied I was told I am not entitled to a refund. I have left a message with Branch Manager XXXX XXXX which has not been returned and was told I would be called this evening by another manager and was not. I am disputing the charge with my credit card company and want Loan Officer XXXX XXXX to be investigated for verbally telling me before XXXX transaction for appraisal fee that this would be refunded if loan did not close. This information was recorded by Bank of America.
Consumer complaint received 2016-06-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL (CA)

( 1 ) An online bank called Synchrony Bank based in New Jersey distributed two months ( XXXX and XXXX in XXXX ) from my IRA CD account based on my XXXX distribution instructions that should have been stopped end of XXXX. They refused to backtrack the accounting entries after making me send them instruction to stop these unauthorized payments. 

( 2 ) Then in XXXX of XXXX I sent them instructions to distribute at end of XXXX a certain sum. They immediately distributed it. On complaint they reversed the entries although not exactly. 

( 3 ) Then on XXXX XXXX, XXXX when I inquired if my distribution instructions will be executed on XXXX XXXX, XXXX. They said they will not comply because there is no wiggle room if an error is made in scheduling the distribution. Hence they will inform me of another date in XXXX when this can be done safely.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CT)

My mortgage has been sold again - one of numerous sales since we closed on our home. In this transition from XXXX XXXX to Rocket Mortgage, there has been a lapse of all online records for over a week. In addition, there is no way to make payments to principal during the transition process. Lastly, I followed the transition insructions from both companies and made a principal payment prior to the transition as per the instructions. I received confirmation of the payment being received by XXXX prior but balance shown on the Rocket Mortgage site is wrong- it most likely does not include the principal payment. When I called Rocket Mortgage to address these issues, the representative was unable to access my mortgage account information and was informed that a manager would get back to me in 24 to 48 hours. This is truly outrageous.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach BoA by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. BoA blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with BoA, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to BoA to either waived or reduce the late and finance charges of XXXX. I also visited a local BoA office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from BoA on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with BoA to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform BoA of my trip to XXXX for that matter.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.
Consumer complaint received 2022-08-15
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: DISCOVER BANK (IL)

On XX/XX/XXXX I called Discover Card to dispute a {$11.00} charge on ( XX/XX/XXXX ) XXXX for the item I purchased on XXXX but the item never arrived. The seller refused to communicate. 
After dialing the number I got an automated system which demanded the amount, date and the item and after providing me with this info I was put on over 10 min hold in order to get to the CSR. I was then told that this is not a right dept and I was told that despite inputting the dispute info into the system, the system is designed to be first routed to a regular customer service to first and foremost vet the disputes ( ie, make it hard to go forward ). Subsequently I requested to speak with the supervisor but was then told that none is available. I was then directed to the billing dept which again decided not to process the dispute so I requested to speak to the supervisor. The CSR transferred me to the supervisor line ( while I was holding ) and the automated system was giving automated instructions to the CSR agent how to handle the call. At the 29 min the call was disconnected without me speaking to the supervisor or finalizing the dispute. 
It is obvious that Discover is not willing/unable to process the transaction disputes for a valid reason such as non receipt of the item while involving customers in a long and protracted system meant on wasting customer time. Under the legal framework Discover is obligated to execute a dispute, pure and simple and do so within a reasonable amount of time.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Management Services, LP (NV)

A debt collector contacted a relative of mine. They left a voicemail calling for me stating that they were a debt collector and this was an attempt to collect a debt. The number they called in registered in someone else 's name and obviously not my number. They disclosed information to an unauthorized third party.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MT)

Navient is the holder of my student loans. I 've come to learn that they have broken my 4 consolidated loans into 18 different loans to create higher interest rates for me. They also, have failed to notify me more than once that my IBR was going to expire, because for whatever reason only know to them, they changed the contact information they had for me to an address I have never lived at, a phone number I have never had and email address I have never had. I discovered this after they directly took out over {$700.00} out of my checking account and placed my account well below a zero balance. To fix this problem I had to spend more money to get placed back on an IBR, because they have " policies '' that basically exist to bilk money out of people for their mistakes and you basically have to do it like I did to be spared from more financial scrutiny at their hands. I was never given a choice to have Navient as the company holding my student loans and clearly they have lied to me and looked to make it impossible to pay-off my loans plus interest in my life-time. I need help.
Consumer complaint received 2020-10-16
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. (CA)

I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate  information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
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: Resurgent Capital Services L.P. (IL)

I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
Consumer complaint received 2015-05-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

I received calls two days in a row from XXXX, claiming that I owed $ XXXX for two unnamed items. I waited for an operator to come on line. I then explained that I had no such bill. She apologized and said they would remove my name. Identical recorded message both days. Both days I threatened to contact authorities. She hung up.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

This complaint is related to a PayPal dispute case filed by my client XXXX XXXX. The result of PayPal 's dispute review was in favor of the buyer, XXXX XXXX in the form of a {$4200.00} refund plus {$130.00} transaction fee. I am demanding that this refund and transaction fee be reversed as it is clear that PayPal 's dispute review team did not understand the nature of my transaction with XXXX XXXX, nor did they completely review the evidence I provided to the team and which I am attaching to this complaint. I have tried, without success, to file an appeal using PayPal 's online tools. 

The reason given for both the dispute and the resulting refund decision is that the product XXXX XXXX paid for was not delivered to him. The reason the product was not delivered is two-fold : XXXX ) XXXX XXXX did not finish paying for the product, and XXXX ) the product weighs approximately XXXX pounds and requires XXXX XXXX to pick it up from my shop after completing payment for the product. 

The transaction with XXXX XXXX was a phased payment transaction as follows : XXXX. Design services in the amount of {$500.00}. This was paid by XXXX XXXX on XX/XX/XXXX and is not at issue in this case. 
XXXX fees in the amount of {$4400.00}. This was paid by XXXX XXXX in full on XX/XX/XXXX after partially being paid XXXX. 
XXXX. Final payment in the amount of {$900.00}. This includes my profit, labor, and sales tax. Credits for certain items approved by XXXX XXXX not to be included in the product were considered. As of the filing of this complaint, XXXX XXXX has failed to pay this amount despite multiple attempts to collect. A small claims case in the state of Washington is in progress with XXXX XXXX named as the defendant. 

PayPal is now coming after me to reimburse them for the amount they incorrectly ( and possibly illegally ) refunded to XXXX XXXX.