davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BYL Collection Services (NV)

Credit report form XXXX XXXX XXXX XXXX shows delinquent rental history of {$100.00}. Called agency reporting delinquent account, BYL Collection Services, found out it is a delinquent account from XXXX XXXX in the amount of {$100.00}, for which I have never received a bill. BYL says that I needed to contact XXXX XXXX. Contacted XXXX XXXX, they could not correct the error stating that it was a utility bill and not a rental history report, I needed to contact BYL. I explained that BYL said I needed to contact XXXX XXXX. Neither company was able to correct the error. Contacted each company XX/XX/, talked with XXXX at BYL and talked with XXXX at XXXX XXXX. Talked with XXXX at XXXX XXXX XXXX XXXX on same date. Nobody was willing to correct the error and kept passing me from one to the other and each saying I need to contact the other. Need this resolved to show it is a utility not a rental history of delinquency. I am not disputed the amount, I did not know about it and I am willing to pay as I stated to XXXX. She is sending me a bill.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (CO)

Hello CFPB, Here is a copy ( in quotations ) of my attempt to work things out with Exeter Finance. 

" Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Basically, in my letter of complaint and then again in my affidavit to Exeter Finance, I explained that the assignment that was presented to me by the car dealership was not signed nor dated by the dealership representative in order for it to be assigned to anyone or company. I also explained that I never received nor signed, nor agreed to ( or entered into ) a contract with Exeter Finance.

I wanted Exeter Finance to show validation a debt to them from me. I have asked them more than once to provide their proof to me.

Also, in my affidavit to Exeter Finance, I cited several laws that explains how they have violated my consumer rights ( including deceptive phone calls which were under a different name on my caller ID ), and I asked that they answer my affidavit with an affidavit, point for point. 
Attached to the now expired affidavit I requested that Exeter Finance would cease and desist any further collection methods/activities until this matter is resolved ; including but not limited to removing any information they have provided to the Credit Reporting Agencies about me according to consumer law.

While they have responded to my correspondences, Exeter Finance has yet to do as I asked, they have not validated any debt to them from me, or answered my affidavit with an affidavit, point for point, and they are still continuing to report false information about me to the Credit Reporting Agencies.

All they have done in response to my requests is send me a copy of my payment history along with a copy that they have of the 'unsigned ' assignment form from the dealership.

CFPB, at this point I am reaching out to you because I would like your assistance in obtaining verification of a debt that Exeter Finance says I owe them when they are clearly not the original creditor. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with IDs to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( XXXX  ) ( XXXX ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Port XXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I had to take off school for financial purposed in the spring of XXXX semester. I had full intention of getting back into classes during the fall semester of XXXX. However I had my my loan deferment period end because I was out oaf school for so long. I skipped the fall semester again to try to get more hours at work so that I could try to pay some of it back. Looking into to lowering my over all payments from month to month, I was able to file for income driven payments for my federal loans. My payments went to {$0.00} because I only make about $ 13,000- {$15000.00} a year. This helped me out. However when I try to solve the same problem with XXXX XXXX on XX/XX/XXXX for the balance of {$580.00}, they have no options for trying to solve my problem. I am informed that they have no options available to lower payments. They instead try to see if there are any family members or friends that I can borrow the money from to make the payments. Telling them no to this option, my only option at the time was to pay them {$150.00}, which doesn't get applied to any balance that is over due.This payment was just to stop harassment of 6-10 phone calls a day and the emails to me and my my father who is the co-signer. I agreed to this, however, I asked that that amount get taken out the following day so that I could move money into the account. My next step would be to pay in amount of {$580.00} by XX/XX/XXXX. The next day XX/XX/XXXX they attempted to take out {$300.00} from my account. The payment didn't go through because I didn't that much in the account at the time. After this happen the phone calls and emails started right back up again. On XX/XX/XXXX myself and my father got an email stating that if the account was not brought up to date by XX/XX/XXXX they were going to report me to the consumers reporting agencies. My father reported to me that he had paid the amount and that I need to just get enrolled in school again to at least half time to get the account to go back into deferment which I can do. Even though this payment had been submitted I still received a phone call from this agency about trying to make a payment. All of the phone calls and email have been documented and I have dates to along with them. I have been made to feel like that i have no true options beside bankruptcy. I am stressed about this everyday and it is always on my mind. I just wish there was a way to make it all go way.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

My complaint mirrors the other XXXX complaints registered on this website. My loan was sold to Seterus, Inc. to service XX/XX/2015.XXXX XXXX. Seterus changed my 30 years fix rate and is trying to charge me a higher monthly payment even though my account is up to date and I have paid over the right amount for 8 years. Now Seterus has damage my credit history as placing me as a delinquent payment and Seterus is initiating a foreclosure in my property. 
I need help I do n't know what to do, I ca n't understand how come after all the fraud the banks and mortgage companies did which cost the economy of the world and nobody is doing anything to stop them? I need help.
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (TX)

On XX/XX/year> I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with XXXX & Equifax via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which XXXX & Equifax decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX XXXX. & Equifax both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in XXXX  days i will file a legal suit also I may want to add if both parties XXXX & Equifax do not send out my {$XXXX} emotional damage check I will sue as well
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Experian will not do a proper investigation into my claim, I have sent a police report, telling them I have fraud accounts on my experian report and they keep telling me its verfied, how are they verified, they are fraud. I ask them to explain how they verified fraudelent accounts and asked them to provide proof of the accounts belonging to me, and they can not. You need to remove these accounts now.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : Equifax and XXXX  Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX, XXXX. XXXX  XXXX Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the XXXX XXXX XXXX XXXX, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as XXXX as XXXX with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/2018 reports from Equifax and XXXX  and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the XXXX XXXX XXXXXXXX receipt of the application including the date submitted.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation (GA)

Company is trying to get me to pay 2 late fees after I've told them this is in error as this account has been paid in full. They admitted that my payment was made on time and was never late in XXXX as they previously stated to me. Then the company sent me a bill for late fees in XXXX stating they didn't get paid. now in XXXX they are telling that another late fee is due because they never got paid in XXXX for purchases that I have never made and no balance was showing or due.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

I received a call from Mitchell Bluhm and associates regarding an old medical debt. Three dates of service, however I applied for financial assistance through the hospital and believe that the bills had been waived. 

These people called me, claiming to be a law firm. They are not a law firm, they are bill collectors. The debt has been sold three times and I haven't heard anything about this for a long time until today. 

The person told me I was " not yet '' named in a lawsuit, and if I paid them they wouldn't sue me. I asked if the number she had called from was her call back number, and she said yes. However, I looked up the number and it is VOIP. The number came up as in my area ( XXXX ), but this company is located either in XXXX or XXXX. They have called me from a second number that is also a VOIP. 

I told them I would reach out to the creditor. Then, later I called back to request their mailing address so that I could send a debt verification letter. The woman on the line was hesitant to give me the address, but the address she gave me is a P.O. Box located in XXXX, XXXX. 

They are harassing me and making false statements, threatening legal action if I don't pay now etc.
Consumer complaint received 2017-09-08
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. (IL)

This is re : the Equifax leak in early XXXX 2017. Equifax told me my  information was potentially leaked, and then wants me to sign up for a complimentary " fraud protection service '' organized by Equifax, the selfsame company that leaked my information. On top of this, signing up with the " fraud protection service '' waives your right to participate in a class action lawsuit against Equifax for making the leak happen in the first place. Equifax are crooked.
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (ME)

I am supposed to pay {$230.00} per month on my federal loans to Great Lakes. I have been paying {$250.00} or more and have the excess go towards the highest interest rate ( XXXX % ). I called at XX/XX/XXXX to pay off the loan. On that date it was {$690.00}. I asked about transferring the excess to the next highest loan ( XXXX % ) and was a told to do that now because the XXXX would have a {$0.00}. So I did. A week later ( I checked my account daily ) I received a message from Great Lakes telling me they deducted the {$230.00} payment 1st ( even though not due till XX/XX/XXXX ) and then the remaining amount on my loan where I wanted the excess to go ... .they put the on the XXXX % because I was told to change as soon as I got off the phone on XX/XX/XXXX. I called XX/XX/XXXX and told them the {$690.00} went on the wrong account. They told me the {$230.00} had to come off 1st ( even though I am paid ahead ) and they would credit the other loan. They did not tell me this on XX/XX/XXXX. More than 48 hours have passed and they still not have corrected the payment. I called them again XX/XX/XXXX and they said there was a request in but it had not gone thru yet. I was told the only way to have the payments done correctly is if they do it on the day the loan is due ... .however ... they do not apply the payments that day so they don't even know what is due.