davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hood & Stacy, P.A. (AR)

Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
Consumer complaint received 2017-09-09
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. (MO)

Equifax mishandled my identifying information which has led to a cyberattack that puts myself and millions of others at potential risk. I am infuriated with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (OH)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC (TX)

I bought a manufactured home from XXXX XXXX and AmCap is the lender. XXXX XXXX XXXX who did the foundation did not do the foundation per the HUD code. XXXX XXXX had the company XXXX come out and inspect the house and foundation and passed the inspection. Now the foundation does not follow HUD code for drainage, grading, skirting not bolted to the foundation. Water can not drain from under the house. Skirting is sitting on blocks not the foundation due to the foundation was not made big enough. After discussing this with XXXX XXXX with AmCap, AmCap decided to send the company XXXX out to do an inspection and the company XXXX failed the inspection due to drainage issues. ( See attachment below ). AmCap then told XXXX XXXX and XXXX  XXXX had their contractor come out and add sand to around the house and then they had it reinspected my XXXX  which again passed the inspection. The lender, AmCap, wants me to sign off on the loan accepting it how it is which does not follow hud code. I will attach pictures and emails.
Consumer complaint received 2017-09-09
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. (MO)

- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I few weeks ago I was in discussion with a couple of my friends and related that I thought that I had been treated a little unfairly by my HAMP mortgage holder, Specialized Loan Servicing. They told me about Consumer Financial Protection Bureau and that you help and protect consumers who may have a disagreement with their financial institutions. So I have decided to contact you. In XX/XX/XXXX I applied to XXXX XXXX for a HAMP loan which was completed and sent to the bank. On XX/XX/XXXX I faxed an appeal to XXXX relating that I had misunderstood the directions on the Hamp application. I had checked off both owner-occupied and second home which I should not have. I 'm the sole owner of the HAMP property ( located at XXXX XXXX, MD ) and co-owner of another condo and my mindset was in order to be as thorough and honest as possible with information, I somehow had to show both properties. My mistake in not fully understanding the HAMP form requirements. I explained that I spend 4 to 5 days a week or more at the XXXX XXXX property. I have XXXX XXXX and have had a XXXX XXXX XXXX, the salt air at XXXX XXXX is beneficial and therapeutic for my medical well being and my occupation allows me the benefit of being able to work during my time there. Therefore under HAMP rules this should be considered a primary residence. I have attached that appeal and the related Hamp application. Reason number one is the item in question and reason for this correspondence to CFPB, reason number 2 has been resolved with the bank. I then called XXXX to inquiry about my appeal, they said that the loan had been sold to Specialized Loan Servicing ( SLS ) and I would have to take up the situation and appeal with them when the loan is fully transferred. When I received official notification of the transfer, I then faxed the same appeal documents to SLS. I then later asked SLS about the status of my appeal and was send a letter of denial on XX/XX/XXXX. The letter indicated that my original appeal with XXXX had been denied and SLS was holding to that decision. But that was not truthful and very discerning because of my knowledge of my prior conversation with XXXX and the fact that I never received a letter of denial from XXXX. Please keep in mind that my loan was still in process and not completed or approved as yet, letter is attached. The consequence of all this is that the {$82000.00} principal was deferred rather than forgiven based on my application error which I attempted to correct very early in the approval process. My husband and I are both on social security and I believe that I am rightly deserving of a reversal of SLSs decision. I understand SLSs desire to keep the money in deferred status for financial reasons but my understanding is that HAMP was created to assist the borrower not the banks. I give my permission for XXXX XXXX, my husband, to ask and answer any questions in this matter. Thank you, XXXX XXXX XXXX SLS Loan # XXXX
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (NV)

TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it.
I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+.
A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney.
When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up.
I was nice to each persons on phone, but firm in voice, as they were too.
The Company name : First National Collection Bureau , Inc .
Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX  Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

I completed a dispute request due to a charge on my card that I did not do. I put gas at the XXXX station in XXXX TX on Tuesday morning around XXXX and drove to XXXX TX XXXX work which is an XXXX XXXXXXXX  of XXXX TX XXXX While I was at work I received a notification that there was a pending transaction on my card of {$170.00} on Tuesday at XXXX. I immediately called my wife to ask her if maybe she has made this transaction and which she stated no that she was at work which is located in XXXX, TX. I reached out to Cash App and did a dispute. Since I did the dispute of course they cancelled my card and two days later the same merchant in XXXX, TX tried to get more money out which of course was denied because my card was cancelled. Now CashApp has stated that my dispute has been denied because that my card was present during the transaction. I don't understand how that is even possible if I was at work when that transaction was made and that store is like 2 hours away from where I was working and an hour away from where my wife works. Also, why would I try to make another transaction for {$1.00} two days later from that same merchant when I know my debit card was cancelled. CashApp is wrong for denying my dispute and I need this resolved as soon as possible.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

CBE has been managing multiple accounts from a Medical provider. They have submitted collection reports to all three credit reporting agencies. They have at no time ever tried to contact me regarding the debt ( Parking ) and have submitted negative reports to XXXX, XXXX and XXXX. After I have disputed the debts XXXX XXXX and XXXX they advised they have removed these from my Credit Report on or around XX/XX/2022. These negative collection reports still show on XXXX and the company continues to refuse to send any itemized statements or validate the debts. They continually park accounts in order to negatively affect my credit score rather than inform me of the debt. 
I have confirmation from the company stating they have removed the debts from all three reporting agencies but this is not true. This practice is inhibiting my ability to maintain enough credit to secure housing or other means of support.
Consumer complaint received 2017-09-09
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. (MI)

Equifax was hacked 2 months ago, they did nothing about it until now and all of my information has been compromised. They 've given no next step instructions, or explanations on how this happened.
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

This debt is for a closed account. The company will not submit documentation to owner of the loan ( myself ) with proof of payments. Furthermore, I have documentation ( bank statement ) of a {$3000.00} payment made by the cosigner of the loan in 2014 which can not be located by the company Navient. At this time, I have been requesting for years all of the documentation listed below : Preferably all documentation pertaining to XXXX XXXX XXXX. If for some reason this is too difficult, I 've singled out several key items : Monthly Financial Transactions ( Statements for each loan ) Documentation of Defaulted Status Principle and Interest Payment Documentation for receiving of payment in 2014 Loan Status Marked as Delinquent for XXXX credit status - Requesting documentation of change from Default Status to Delinquent status. Please mail these documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-06-23
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. (SC)

XXXX AT EXPERION CANT ADD, I AM AT LESS THAN 15 % ON OPEN ACCOUNTS HAVE STELLER HISTORY OTHER AGENCY 'S HAVE ME AT XXXX PLUS ARE YOU SLOW OR PERHAPS XXXX TOO MANY BLONDS WORKING???
Consumer complaint received 2017-09-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have been struggling to keep my mortgage payments current and I 'm doing everything that I can. I have made several late payments but have recovered. I just got a letter from my mortgage company saying that my escrow account was insufficient by {$5000.00} and they need to collect the money. With the increase in my escrow from anticipating next years taxes and re-paying the mortgage company for deficit in my escrow this year my mortgage payment has increased almost {$800.00} per month. This is more than I can afford and I 'm afraid I will lose my house. I bought the home a year ago and I just do n't understand how my escrow could have been so incorrectly measured. I ca n't afford the {$5000.00} hit and with a brand new loan I do n't understand how this could 've happened. I called Penny Mac yesterday ( XXXX/XXXX/XXXX called at XXXX central ) and they would not or could not explain why it was so underfunded. I need help.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I'm calling because I mean I'm because I called on the XXXX to let you guys know that my I lost my phone with my cash card inside my phone wallet and I when I called on the XXXX they told me that they were going to secure my account and stop my card but my card is still being used so XXXX my account is not secured I have the new device that I'm signed into now my my cash card but it's when I lock it it still unlocks because my other the other phone is like I have to wait for them to suspend my phoneI already submitted my claim I was denied wen my phone was stolen I don't get it how some one can steal someone phone and us up they only funds I have available and have bills and rent to pay this is beyond frustrating for me It's was not authorized by me my phone was stolen this is beyond frustrating for me I lost my phone some one other then me took all the fund I had available to and I get nothing with bill to pay rent that's due and I'm doing withoutIf u can see my login is on a different phone and phone number my phone was stolen I don't give any one access to my account my phone was stolen and some one with out my authorization and use my account to gain access to my fundsOk my fraudulent claims have been denied to fund I have kids and bill and I was depending on that money now I have nothing
Consumer complaint received 2016-10-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My loan was listed in the Federal law suit filed by the, Department Of Justice against the banks. The banks agreed to settle the law suit that was initiated. 
As per the XXXX XXXX 2016 settlement {$8.00} to {$16.00} XXXX dollars went to investors and home owners for mortgage fraud. I am filing a claim for payment of {$9.00} XXXX Dollars ( XXXX ) that is rightfully my fairs hare of the {$16.00} XXXX Dollar Settlement awarded on XXXX XXXX, 2016. My loan was included in the Mortgage Bond Settlement with Bank Of America and XXXX for property XXXX, NY XXXX. 
The loan was not a viable loan, the loan violated XXXX, RESPA, REGULATION Z, TILA, FAIR HOUSING based on AGE DISCRIMINATION. I was taken advantage of. The loan was a predatory loan. Also, the bank never provided me with the Good Faith Estimate prior to issuing the loan. Both Title company and the Bank refused to give me copies of any of the documents they presented to me for me to sign. I did not receive any documents prior to closing, during closing or after the closing. 
Please advise and forward all the proper documents needed to file a formal complaint and request for my fair share of the {$1600.00} XXXX Dollar Settlement.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Company XXXX XXXX, its a jewelry store. The bank credit card is Comenity Bank  XXXX XXXX XXXX XXXX Ohio XXXX. I purchased in XX/XX/2019 a watch in their store in XXXX.I opened an account to get a promo of interest free for 6 months. My first due bill arrived mid XX/XX/2019. I do my online banking thru my bank to pay my bills. I sent them my payment right on time to be paid on the due date XX/XX/XXXX the amount of {$610.00}. When I received my next bill in XXXX, they charged me {$27.00} dollars late fee which I was not late paying them. I called them and explained to them that my bank told me that it was paid on time XX/XX/XXXX the due date and I have a proof of payment that they got my payment XX/XX/XXXX. The Credit card Comenity bank insist that they received my payment XX/XX/XXXX. Mind you the month of XXXX is short, I made sure they get the payment right on time XX/XX/XXXX. They are not very helpful, they are very abrupt and nasty. I even ask for the supervisor and shes the worst Person I ever spoke to. I even called the store in XXXX and spoke to the person I purchased the watch and she said shell look into it and she said the bank dont remove late fee once they applied it to your account. Im not late paying them, Im on time. I have a good credit line, I pay all my credits on time. I never have any issue with any credit card company. XXXX bill, I paid off all the balance of {$1000.00} and told them to close my account. XXXX bill, they sent me a bill of {$27.00}, which was the late fee they are charging me for XXXX, which I was not late paying them. I called them again and they told me to send them a proof of payment so I went to my bank physically and obtained a copy and sent it to the above PO Box address. They never respond .Now its XX/XX/2019, they send me another late fee and they multiply the {$27.00} so they claimed I owe them now {$54.00}. Mind you I paid everything and now they are after me for a {$27.00} late fee that I did not do. I called them again and they threatened me that they just keep multiplying the XXXX every month. What kind of bank is this? I was not late paying them. I was on time and my bank confirmed that they sent it on time .Its only XXXX but its the principle that Im fighting. Im a good customer, I always pay my bills on time and if its my mistake I will do whats right but I did nothing wrong. I paid them on time! Its a scam!!! They are trying to ruin my credit because of their mistake. Please help me solve this problem.. thank you.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC (FL)

In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.
Consumer complaint received 2022-03-07
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. (PA)

I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.