davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I was using a Target Red Card at Target to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from Target for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called Target on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX   balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two.  She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by Target. She told me again that it would take 30 days.
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage was recently ( a few months back ) assigned to PHH Mortgage. ( I'm fairly certain it was an assignment of the loan, as opposed to the servicing function, but I'm not sure. ) My complaint related to fees they're charging in connection with online and phone payments. They are also having recurring issues with their website payment portal. 

My previous mortgagee did not charge any fees for online payments. As soon as PHH got involved, they started charge {$7.00} for each online or phone payment. When I questioned them, their position is that I am electing to pay the fee by not paying via check or a recurring automatic payment ( apparently they don't charge the fees for those forms of payment ). All of their communications go to great lengths to reassure you that you've consented to the payment, and that they retain a portion of it and pay a portion to the third party service. 

PHH also has a buggy payment website. It works about half the time. Today, I tried to log on to pay my bill, but the site was down. On the call, they acknowledged the recurring problems and said they're working on it. 

Finally, I have questions about their escrow practices. The previous mortgage company would send me checks periodically because my escrow balance would exceed the maximum allowable limit they are permitted to hold ( which I believe they said was something like your estimated insurance and tax expenses over the next six months ). I have not gotten any refunds from PHH, and my payment has been going up. ( One increases was legitimate and happened in connection with an increase in my insurance premiums ... about {$100.00} increase in premiums for the year ). I can't explain the other increases. 

I don't have dates because I can't log onto their website, but I tend to pay me mortgage during the last few/couple days of each month. So, the fees have been charged near the end of each month for the past several months. 

Thanks for your help.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I was aware of a item on my credit report that's doesn't belong to me, I contact the collection company and ask them to provide me some proof that it belong to me and all they send is my name printed on paper with a address on there. this item on my credit file doesn't belong to me and the collection company won't investigate or remove it from my report.Can CFPB help me getting this false information remove from my report.
Consumer complaint received 2019-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I received an email stating that my requested forbearance has been approved. I NEVER requested or had any intentions on a forbearance. My account was over 100 days past due. I was leaving it as such. Because I have no means of paying my student loan ( s ) now generally speaking. When originally asked prior of other options. I was notified that only forbearance was a temporary option. Months prior. Little did I know that was Navients way of adding fees. Also little did I know. Account information was incorrect. But that wasnt my issue this time around. They finally have taken it too far. After this letter of forbearance came. I called them to state I did not under no circumstances request one. And have no means of paying. They placed me on hold only to say the co-signer requested it. Yet a request for forbearance would state and show a payment. Reguardless if thats true Im primary and I know I NOR the co-signer can pay. I didnt really agree that the co-signer requested it. But I left that issue alone as I learned months ago after speaking to customer service. They arent in the business of helping. ( I have no problems with my federal loans they help ).

Anyways. After my first phone convo. They agreed to retract and remove anything pertaining to the forbearance ( Friday ) I called the following Monday as I havent seen an update on my request. I was told it is being processed and they see it in the notes. Called again on Monday. Still nothing.

Now my account states past due only one month. It is a lie. No payments have been made on this account. Ever!!!!!!! Beside forbearance I felt forced into. At the time between losing a job due to injury. Everything seems like the only right thing to do. Again Ive contacted navient. They have yet to change anything. Next step is reporting them to the credit bureau for lies of receiving payments. And putting my account in forbearance without my knowledge or consent.

This company is doing whatever they want. Creating false amounts, false payment status, false forbearance not handling their promises. I have made it clear no one on this account can pay or continue to pay the amount they want. I only asked that my a be handled correctly. Reported to credit bureau correctly. In no shape or form do I want my account look as if i paid or agree to a forbearance. As every three months they report to the credit bureau past due on an account that has never been paid on. Its way over 90days past due.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NM)

Well? Here I am again opening a new complain. After my last call to you in XX/XX/XXXX ( sorry, I do not remember the exactly day ) I received the letter Of American Express around the first week of XX/XX/XXXX,  about my complain number XXXX. 
I need to open a new complain after I followed my funds with Taxation and Revenue State of New Mexico. The State of New Mexico needs to know when ( exactly ) American Express send the report and the total amount, the State of New Mexico it has not receive any info about it ; neither any number or sum. Actually I also need American Express to prove me and tell me how American Express sent my information and my funds to the State of New Mexico.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

My car was repossessed by Nissan Motor Acceptance Corporation on XX/XX/2019 at XXXX XXXX, I called the NMAC right away and the clerk read all the process need to be done and stated If I was able to pay the full amount with a " small fee '' I could be reinstated. I paid for the whole amount on XX/XX/2019 at XXXX XXXX and notified them. Before notifiying them to get their phone number I went to my account and I saw a XXXX Dollars late fee and XXXX Dollars Miscellenous fee. I immediately called them and dispute that muc of towing fee and also indicated to them I was told there will be a small fee. The clerk today said he read the notes and I disputed that yesterday. I told him I dont know what the notes say please listen to the voice recording becuase I was never given a break down of the charges. I also read my contract and there is no amount indictaion of recovery fee. 

I was supposed to pay 3 months of lease payment XXXX $ late fees and 1 month of lease payment which is due on XX/XX/XXXX
Consumer complaint received 2020-05-21
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My mortgage was with XXXX XXXX XXXX until XXXX and was sold to XXXX XXXX XXXX. This month XXXX XXXX service sold my loan to Select Portfolio Services , Inc. Upon paying my first payment, I noticed that had added {$200000.00} to my outstanding balance. I regularly check this so I noticed immediately that it was an error. I called the company and they told me that they were using my XXXX Modification with XXXX XXXX XXXX for the current outstanding balance. I immediately called XXXX XXXX XXXX to get a loan history up until the loan was sold which reflected a total balance of XXXX and my final bill from XXXX XXXX showed an outstanding balance of XXXX. The new server has an outstanding balance of {$350000.00}. I called them and they refuse to correct the error. As you know, increasing the outstanding balance leads to higher payment of interest and less equity so it is important that they represent the correct balance. Additionally, selling mortgages does not allow them to charge me an additional {$20000.00} in the payoff of my loan. I believe that many others are impacted by this as illegal and unethical practices to charge consumers more than they owe. Additionally, I check the XXXX  and there are a large number of complaints almost XXXX in one year and XXXX over three years. They have three 3 class-action suits. I would like some assistance in these practices used to defraud individuals from their homes and charge more money. After this experience and their bad record, I would like to refinance but I can not allow them to make {$20000.00} on the sell of my loan.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (AZ)

I am reaching out to file a formal complaint against American First Finance for their inaccurate and conflicting credit reporting practices, which are not only adversely affecting my credit score but also my financial well-being. I have encountered a glaring discrepancy in how American First Finance is handling my account, wherein they have reported it as charged off, yet simultaneously, they are reporting a balance owed. This contradictory information is confusing and misleading, resulting in significant negative implications on my financial reputation. 

This practice by American First Finance, I believe, is in violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). Section 623 ( a ) ( 1 ) ( A ) mandates that a furnisher of information to credit bureaus must ensure that the information they provide is accurate and complete. Additionally, Section 623 ( a ) ( 5 ) specifically addresses the responsibilities related to reporting a charged-off account, stipulating the requirement to report the date of delinquency which precedes the charge-off, ensuring accuracy in the consumers credit report. The current reporting state suggests a misunderstanding or misapplication of these crucial legal standards, impacting consumers unfairly. 

Furthermore, the dual status of my account as both " charged off '' and with a " balance owed '' directly conflicts with the principle of accurate reporting under the FCRA. It misrepresents my financial liability and paints an inaccurate financial picture to future lenders and credit evaluators, thereby violating my rights as a consumer under the FCRA to have accurate, fair, and truthful information reported about my financial status.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2020-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

Starting in XX/XX/XXXX, I began making extra payments on my student loans FFELP through Navient. When trying to determine how to pay down the Principal on my loans to decrease the amount of interest. The selection are extremely misleading on which option will make that happen. The website has 2 options : 1 ) No, Advance my due date by the number of payments I cover. Even if you have  XXXX amount due on your billing statement, CONTINUING TO MAKE PAYMENTS WILL REDUCE YOUR TOTAL COST OF BORROWING. or 2 ) Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. The statement in option # 1 " WILL REDUCE YOUR TOTAL COST OF BORROWING '' leads the average individual to believe this will decrease the amount of interest being paid for the life of the loan. After reviewing my account and how the extra payments are being applied I started online research ( 1 hour ) to determine how to make " Principal only '' payments on Navient, I found out that my selection should be option # 2. I have begun email  communication today XX/XX/XXXX to find out if my 3 overpayments  XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$480.00} ) can be applied to " Prinicipal Only ''. I'm currently waiting to hear if this can be done, since I had selected the wrong option for overpayments - due to their misleading information on the website. I corrected my option to # 2 for future payments on XX/XX/XXXX.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (FL)

So this collection agency Cavalry SPV I apparently sues me, I never received any documentation or subpoena and found out doing a search of my name. I had spoken to this agency in the past when thy called me on my work phone and told them to not call or contact me at work and disputed the debt. About a year later, I received another call, on my work phone I told them not to call, where they threatened to sue, although they were apparently already doing that. Then I got a letter ( can't find original but I did take a pic of it - see pic attached ) stating the debt was too old to sue for - although they were suing me. They wanted to offer to settle the debt which I asked for proof of. 

I asked them to show me a signature ANYWHERE on the credit application, on a charge slip, anywhere to prove it was actually my debt and they were unable to do so. The address has not been used by me in 10 years since I moved, but they refused to do anything but tell me to pay. 

I disputed the alleged debt, but they refuse to take it off my credit reports, or show proof. How can I prove it isn't mine when they provide NO information on the OVER 10 YEAR OLD debt? ISN'T THERE A STATUTE OF LIMITATIONS ON DEBT? 

So when I found out I was being sued, I had an attorney show up to assist me for the hearing on XX/XX/XXXX that I found out online through the court portal that was the court date. 
Neither the debt collector, nor their attorney, show up for the hearing to try mediation or dismiss the case that day as directed by the XXXX county circuit court. The final hearing was held and because they did not show the judge dismissed it for lack of prosecution because nobody from Cavalry SPV or their attorney showed up for the hearing. I was going to ask to dispute it and prove the debt was really mine, but because nobody for the collection agency showed up, the judge had to dismiss the case. 

Because they contacted me on a work number that I previously told them not to call, and they did anyway. 
They threatend to sue me, even though they sent a letter stating they can not sue ( after they called me. ) Then didn't show up for the court date when they did sue me. 

All of which are breeches of the FCRA. 

I want to file a complaint and my recourse would be to have this removed from all credit bureaus immediately. It shouldn't even be there because it is over 10 years old too, but Cavalry bought the debt and reported it as a NEW debt, so it is showing it will be on my credit until XX/XX/XXXX, WAY over the 7 year reporting limit on old debt. They alleged in court papers I owe over XXXX, from an address I haven't lived at in 10 years, but zero proof it was really me.
Consumer complaint received 2017-07-06
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. (SC)

I have contacted Equifax dating back to the end of XXXX. Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around with Equifax has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. The back and forth is asinine. I have already had to dispute my own identity with the INCORRECT birth-date and misspelling of my name and yet me telling you I did not authorize the inquiries is baffling. You do n't have the basic information entered properly! I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX - I initiated a wire transfer in the amount of {$10000.00} to my wife 's XXXX XXXX ( XXXX XXXX XXXX ) account to pay credit card bills XX/XX/XXXX - XXXX XXXX XXXX requests " additional information '' ( unknown to me ) XX/XX/XXXX - with transfer not completed, I went to the local bank center and inquire - told " transfer not completed - not sure why '' XX/XX/XXXX - with the transfer still not completed, I reached out by email to Bank of America ( BoA ) on their national support line for help XX/XX/XXXX - BoA sends me an email requesting a telephone call for " important information '' ( this presumably was instigated by my email ) XX/XX/XXXX - I called the bank with the required addition information - was told " good to go - we have what we need '' on XX/XX/XXXX - funds transfer still not completed. XX/XX/XXXX - I call XXXX XXXX XXXX to inquire, told funds were returned because the requested additional information was not provided by BoA. It has now been over 4 MONTHS - no one at BoA can tell me were my {$10000.00} are. During these 4 months I was traveling in XXXX and XXXX and have incurred uge telephone expenses amounting to over {$600.00} talking to BoA by telephone and being put on hold for 20-30 minutes at a time. Previous complaint with CFPB ( ID XX/XX/XXXX-XX/XX/XXXX ) was CLOSED without resolution. I'M OUT {$10000.00} AND NO ONE GIVES A XXXX - this is nothing short of grand theft - what country am I in?
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NM)

Transworld Systems Inc. Failed to provide information proving this debt was mine which is not. this debt is incorrectly there and should be removed immediately or I will take legal action if not removed from XXXX. 
All contact should be taken up to my attorney XXXX
Consumer complaint received 2021-02-04
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: FC HoldCo LLC (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX  Open date XXXX XX/XX/XXXX Flagship credit accept Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.