davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (IL)

Our auto loan payments with US Bank were behind ( generally not XXXX 30 days ) for several months causing some late fees, which we are not disputing. However, come XX/XX/XXXX we were able to make full payments of outstanding balances, fees, etc. We received a statement from the bank dated XX/XX/2016, with a {$0.00} balance due for the following month -- all late fees, previous balances, upcoming payments, etc were satisfied. 

In XX/XX/XXXX, we received a new statement. Despite our P/I payments totaling only approximately {$440.00}, it appeared the bank was trying to double-collect on past fees, requesting an additional ( approximately ) {$120.00} in addition to our loan payment. 

Viewing our statement history over the last 12 months, all fees were already included in payments due on previous statements, and were satisfied in full. Upon contacting US Bank, they claimed there was a posting error, and that they would fix the issue. In the mean time, we continued to receive collection calls and additional late fees for not paying the error. Following XXXX calls, all of which resulted in a promise to investigate and call back, no calls were returned. In addition, collections continues to call, noting that they are unable to see details from the loan servicing department. 

It has now been over a month, and the bank continues to not answer questions about the fees, and insists they should be paid despite not being able to explain their math, beyond what they say was a " posting error ''. We are seeking assistance in the resolution of this matter. The principal and interest payments are still being made, but the extra fees ( and late fees on said erroneous fees for not paying ) we are stating are incorrect. We have not received any clear explanation as to why this exist, and do not see these as valid. 

We will attach statements showing payment of the balances.
Consumer complaint received 2015-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (TN)

XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points.
Consumer complaint received 2019-02-26
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: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX  { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence  CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MA)

I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (CT)

Apparently US Bank issued an escrow refund check on XXXX XXXX to an old address which I have not lived in since XXXX XXXX. I have been receiving and paying all mortgage bills from my current address since this company took over the mortgage. 

I never received the {$2000.00} refund and now they want to charge me an additional {$15.00} for them to send a new check to the correct address, the address I have been at for over a year. Also they have never noted anywhere on any bill or statement about the fact that I had a credit of {$2000.00}. 

Whenever I call I get stuck on hold for over an hour, and all they do is give me the run around. They have earned interest on this money, yet want to charge me more to re-issue this check. 

My mortgage Account number is XXXX.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (WA)

West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX  associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (CA)

I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans.

I also seen 3 inquiries that I have not authorized on my Experian report. 
1. XXXX XXXX XXXX  date : XX/XX/XXXX 2. XXXX XXXX Consolidated date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (TN)

In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Over 30-days ago, I submitted a request to Equifax to remove an account off my Credit Report along with XXXX ( XXXX ) control number instructing them to remove it. It is currently still on my report even after disputing it. 

The XXXX Control number is XXXX
Consumer complaint received 2022-09-06
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. (NY)

On or about XX/XX/XXXX, I submitted a payment in the amount of {$620.00} to Navient. I stated that I wanted this amount to be applied to the loan ( principal balance ) that at the time had a balance of {$1000.00} ( 1-12 Direct loan unsubsidized ). The money was not applied to this loan. I do not know where it was applied, but it was not applied to this specific loan. 
I did not realized that it was not applied to this loan until recently. I called Navient today, XX/XX/XXXX. After 26 minutes, no one came to phone, and they ended the call. 
I am calling again. As in the first call, a recording would say that I have certain number of callers before me, as I continued to wait the numbers of callers before me would increase! Impossible!
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/XXXX/XXXX.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (FL)

I requested documented proof that a loan from Exeter Financial was mine and I received a letter advising they were able to validate the debt but never sent me proof it was validated. My consumer reports were frozen as of XXXX XXXX, XXXX however I received the letter advising it was validated on XXXX XXXX, XXXX so it was impossible for them to validate. From my understanding it is unlawful to lie like this and have something on my credit reports that they do not have validation for.
Consumer complaint received 2016-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (AZ)

Progressive Financial Services legal department mail a letter to my home claiming that I have a debt remove from XXXX credit report and that I made false letter from their company to get the debt remove. 

The company that filed the debt with Progressive Financial Services was XXXX XXXX. I contacted XXXX XXXX this summer to let them know the debt did not belong to me and it needed to be remove from my XXXX report. I am also a current customer of XXXX XXXX. I am reporting this company to the CFPB and for your agency to investigate Progressive Financial Services collections practices.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

There is a pending lawsuit against me for a debt owed to a XXXX credit union. Bonneville purchased the debt from the XXXX XXXX  and filed a lawsuit to force me to pay. 

They have included Court and Attorney costs that I did not know I have to pay and forcing me to consider bankruptcy. 

XXXX XXXX XXXX had me sign paperwork without explaining to me verbally that I will pay for attorney fees if I default
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

In XX/XX/XXXX : I spoke to XXXX XXXX Supervisor XXXX & XXXX ( CS REP ) at the credit bureau and they both advised that XXXX XXXX agreed to Delete the adverse collection for XXXX XXXX Acct # XXXX ) off my credit report. On XX/XX/XXXX ( I received an email from XXXX XXXX ) confirmation that the collection was an error. However, their letter did not state that they SOLD the bogus collection to Diversified Adjustments! Now, Im forced to dispute my credit bureaus account again, re-submit a claim to CPFB, and upload the same information showing I have no debt with XXXX. Losing over 100 points off my credit score! The credit bureau supervisor also advised that XXXX can keep selling this bogus debt to multiple collection agencies until XXXX. This is insane, unethical, and outrageous! I was on autopay with XXXX and over the years I had to endure multiple errors on my account. I have had to place cellphones on stolen alert due to staff leaving with my phones, but never had I ever had to deal with this type of combined unethical practices! Once again, Im crying out to the CPFB to make all parties aware of this dispute.
Consumer complaint received 2016-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (AZ)

A recent credit report secured from " Sagestream LLC '' about my credit was knowingly reported extremely low rating in order to cause high interest rate with the bank requesting the report. This appears to be common practice with that company given the large amount of complaints that can be found on the internet regarding this agency. My legitimate credit rating is XXXX, but reported by Sagestream LLC as XXXX.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Open a national bank account with Chase Bank. After a few months I started getting excessive unknown charges from a vender of a fitness club I was not aware I was sign up for. Turns out the account I closed shortly after I opened my Chase account was never taken off direct deposit. The bank told me it was the gym but the gym showed me they were n't taking money. Long story short a XXXX account was mistakenly opened by the gym which caused a XXXX charge to continue for months. When I figured out the issue I addressed the bank manger about my concerns and she opened a fraud claim which was going to fix it. Three months later I 'm in XXXX no bank accounts now and chase wo n't help me!!!!
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MI)

Target national bank has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a target store. I have filed complaints with the debt collector and with target and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for target bank is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. Target national bank or TD Bank does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: TD BANK US HOLDING COMPANY (MA)

equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.