davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

The company, Synchrony Bank, has a 23 day billing cycle that creates a " dead week ''. The payments made during that week are applied to the previous month 's balance, but not in time to stop a late fee. The payments made during that week also do not create a credit on the account, therefore it does not count towards reducing the next month 's payment either. Today, when asking about this practice ( XXXX at approximately XXXX XXXX EST, ) a young woman by the name of XXXX was condescending and rude. Asking " Since I can not magically change our billing cycle, is there anything else you need? '' It seems to me that this " dead week '' is a business practice set up to rip people off by creating late fees and balances where none would exist if the overage were applied to the next month.
Consumer complaint received 2018-10-03
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 — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC (TX)

I am a XXXX veteran who recently sold my home and am building a home contingent on my credit. The below mistake is severely impacting my ability to qualify for this home. 

I am attaching the most recent report from Credit report provided by my Lender.. 


As requested I am submitting a written request identifying the error and a copy of the Credit Bureau Report with AmeriHome Mortgage Company showing we have 30+ days late payment however this loan has been PAID IN FULL XX/XX/2018 and due to a delayed closing its showing we missed payment of {$1800.00} ( give or take a few cents ) As mentioned in the below email originally sent XX/XX/2018 to AmeriHome Mortgage and multiple times after. I had explained in detail that our home closing was delayed causing it to appear as a late payment but the mortgage was paid IN FULL XX/XX/2018. 

Once I saw this on my credit report I immediately called asking how this could be corrected. I was told to email them which I did multiple times. I also called to follow up and told the same thing. I continued to forward on the request for adjuatment. I never received a response as of XX/XX/2018 so I called and was told this was denied and I would need to call the Credit Bureau myself in which I did. Now I am reaching out to resolve this. 
I have made several calls and e-mail attempts to resolve this via CFPB. 

I have not missed ANY payments, or paid late at anytime in the 2+ years we have been had our mortgage. 
I want you to know that I fully understand my financial obligations, and if it werent for us having a delay on the closing date of our home and the pay off being delayed this wouldnt have happened. 

I understand this was a mistake due to unexpected delay on closing but since then WITHIN days the loan was been paid in full. Our history has shown in more than 2 years a record of on-time payments. 

We are in the middle of qualifying for VA Loan for new mortgage, and its come to my attention that the delayed payment on my credit report record has severely hurt my ability to qualify. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I have recently paid off all of my debt and it would help me immensely if this could be fixed and adjusted to remove the late payment. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (CA)

According to the fair credit act XXXX  Account # XXXX, Have violated my right. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section States I have the right to privacy 15 USC 1681 section 604 Section 2 : it also states A consumer Recording agency Can not Furnish a account without my written signature 15 USC 1666B : A creditor may not treat any payment on a credit card Account under any open end Consumer plan as late on any purpose.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I attempted to obtain my yearly free credit report on or about XX/XX/2018 via the XXXX website. I was able to get one from XXXX but there was a technical glitch when I went to get the ones from Experian and XXXX. I submitted a customer service request via the website form stating that I wasn't able to get the Experian or XXXX reports but I received a letter in the mail from Experian stating I had already received my free annual credit report. A date of my having received this report was not given. I rarely request my credit report. Perhaps every three years or so - I'm sure you can check that figure. I believe the date they claim I " received '' my credit report was the exact date I sent the customer service request email stating that I was not able to view, print or download the reports.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Oklahoma Motor Credit Company (OK)

I filed bankruptcy on XX/XX/2018. I have a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OK. I had financial difficulties and was not able to make a payment. This was during my bankruptcy. I finally got my discharge in the mail on XX/XX/2018. When I talked to the representative today, I was told that " we are not going to put a payment at the end of the loan because you are behind ''. This late payment was during the bankruptcy and it was my understanding that they could not come after me for that payment. I never have been behind on any payment the whole time I have had the loan. I only get paid once a month on Social Security and I am a senior citizen with health issues. All I am asking if for some help with some kind of arrangement. They are the rudest people ever!!
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (FL)

Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/XXXX : I recently traded-in my XXXX XXXX XXXX XXXX for a a brand new vechile, XXXX XXXX XXXX XXXX from Honda Financial in XXXX XXXX. Last week, I received a letter stating to contact my dealership to see if I qualify for GAP refund since I decided to cancel it. First, I contacted the sales person who helped me and she wasnt available to respond to my text after telling her the situation. Then so my fianc and I went to the dealership and was told that since we put {$0.00} down payment during the time of visit, the GAP refund ( {$2600.00} ) was used as part of the down payment. However, I was not aware that they transferred the GAP refund to my down payment. I just called the Honda Financial and spoke to the GM and I was told that thats what they usually do and theres nothing I can or they can do because I signed the contact. It was very clear to me that the reason why I am paying {$540.00} for the car that I got was because I did not put a down payment and purchased GAP and maintenance. However, it turns out I did put down, down payment through GAP refund. I think as a buyer, they should have informed me about this. According to the manager, they disclosed it to me but I was probably not paying attention.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (LA)

This is my 2nd time coming to CFPB for help. This is my 2nd time to trying get a result. I wonder can something be done. As explained before back in XX/XX/XXXX I was a XXXX  victim. I had a XXXX. It was a most horrible time a tragic period. I'm still making a comeback. With job and life, I can not work fast, I have to do things slowly very slowly. I spend almost 2 weeks in a hospital one to next. Back in XXXX my wife left me to pay all the bills I did the best I can. But I came up short so I asked the bank to help. They did what they can. I was approved for a loan medication when I got the hospital. I explained I just got out the hospital I can not start paying on it now, they explained to me just re-apply it will come back approved no problem. I called several times and again and again they told me the same thing. Just apply again it will comeback approved. Are you sure? Yes, was the answer. When I try to apply now I cant get a approval from them. I've asked them several times. Now, its always no.. I don't know what to do. What happened to before. Who can I contact. They guarantee me something before. They assured me I would get approved. What can be done? I got put into a hospital under a life on death watch. It was not my fault. Just one more chance, just one more shot. I will pay on time. Please, I was not working when I got out the hospital could not pay a penny until I got well. Now, I willing to pay. I could not walk, or talk or write. I couldn't do anything for myself. Now, I can do a little for myself. Please help me, thanks for your time.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I recently looked at my credit report and seen Santander financial showing as closed account/ bad debt with a charge off amount but car was totaled and insurance paid off the the loan, and I had gap insurance coverage insurance was through the general so should not be showing as a charge off
Consumer complaint received 2019-03-10
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: Navient Solutions, LLC. (CT)

XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. 
The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. 

I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. 

I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. 

I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. 

XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. 

I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. 
I was already paying to have 2 other of her loans that we in default rehabilitated. 

The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife.

These 2-late payments seriously affected my credit score, dropping it over 100 points.

I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated.

I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. 

There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MS)

( XXXX XXXX  XXXX  XXXX  XXXX  ) is now reporting on my credit report of a balance of {$3300.00} I have been writing and calling ( NCB Management Services ) about this debt I have no knowledge of. 
I check my reports and NCB Management Services seems to have change their name on one of the credit bureaus reports as the collector to. ''XXXX XXXX  XXXX  XXXX  , '' Reflecting the same debt they say I owe. 
The address I have been mailing letters to and calling, To get information on this debt is the same address and number listed below. 
XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX This is a case of Fraud, because I have no knowledge of this debt.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
Consumer complaint received 2019-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Resurgent Capital Services L.P. (OH)

Previous request for paper work before loan was transferred to about 2 other collections agency and payments made to them before it was transferred to another agency. I have sent 2 certified request on XX/XX/18, and XX/XX/18 both show signed by office, for copy of the loan documents showing interest rate and amount owed, was this a {$500.00} loan that now shows {$2600.00} after payments.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

In XX/XX/2018 I looked into qualifying for a mortgage and my credit was pulled by Factual Data on XX/XX/2018, this was a hard inquiry On XX/XX/XXXX .. 11day later I inquired with a competitive company, XXXX who used Equifax Mort and another hard hit was made against my credit report.

My understanding is the inquiries for the same purpose, like a mortgage inquiry, that are 14 to 45 days apart should NOT be treated separately, I should not have that second hard inquiry listed on my report. 

I contacted XXXX XXXX to complain and got the run around ... twice.
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I qualify for loan discharge as a XXXX XXXX XXXX veteran. 

XXXX sent letter to me on XX/XX/XXXX. 

Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX. 

Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days. 

Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do. 

XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient. 

XX/XX/XXXX Called Navient again. They said they needed more documentation. 

I just want the loan discharged according to the law.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018 a deposit to my account through Bank of America ATM in XXXX, Georgia. The check amount {$8100.00} was placed on hold until XXXX.18 at XXXX. An additional check in the amount of {$35.00} made during same transaction and drawn on same banking institution was immediately available for withdrawal. In several conversations with customer service representatives plus a supervisor I was given the same answer that checks over {$5000.00} are held for seven days excluding weekends and there is no way that any of these funds can be made available until this date. Reason given on bottom of deposit receipt : A hold was placed on your check ( s ) because check specific information indicates item may be returned.
Consumer complaint received 2019-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC (FL)

I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.
Consumer complaint received 2019-03-10
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: EQUIFAX, INC. (AL)

I have a victim of identity theft ... The account is XXXX XXXX XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report
Consumer complaint received 2019-03-10
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: EQUIFAX, INC. (NJ)

Hi, I filed a dispute with Equifax on XX/XX/2019. Confirmation # XXXX. Promised that they would provide the results by XX/XX/19. Results were never received. I contacted Equifax via phone on XX/XX/19 at XXXX eastern and spoke with XXXX # XXXX. At first she argued that a dispute had never been submitted. Then, she apologized that the results weren't sent out and would put them in the mail. I asked to speak with a supervisor and she placed me on hold for about 25 minutes until I hung up. 

It is XX/XX/XXXX and I have yet to recieve the results of my dispute. In fact, I recieve error messages when trying to pull my report via their online website. I have recently mailed tried calling once again only to be told that the systems were being updated and I should call another time.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.