davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

For some reason, when I purchased my XXXX  XXXX XXXX, I did not realize that I would be paying almost {$50000.00} for it with all the interest charges and such. This is ridiculous! I have already paid almost {$34000.00} for this vehicle and still owe a remaining balance of {$15000.00}. Loan Companies such as Exeter is why individuals with low income stay poverty stricken. A family member actually noticed the amounts in which I already have paid and felt that I had fell victim to a predatory lender and advised me to reach out to someone before filing for bankruptcy. I currently have XXXX children in my home and am retired military and work a part time job 2 days a week, so paying $ 700+ a month is really a struggle for me. I really need someone to take a look at my situation. Thank so much in advance ...
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (WI)

I was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (NJ)

I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told me.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I  have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING. 

THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME. 

YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF. 

KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING. 

KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW. 

( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.

XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.

{$980.00} total was taken from my account.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.
Consumer complaint received 2017-11-28
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: General Motors Financial Company, Inc. (AZ)

On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (CA)

I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on my credit report.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (WV)

I XXXX XXXX XXXX am a current victim of identity theft which has been reported to the FTC since XXXX of 2019 i have had over half of my direct deposit from my government benefits come up missing off my card i receive SSI, I have taken all the steps to attempt to fix this with the company but they deny my disputes everything just this month I had almost XXXX gone I call to dispute it and they didn't do it told me I had to wait 5 days and with this XXXX I'm at XXXX thats been stolen from me. 
I have been informed by direct express that my card number was compromised and printed onto another card so thats how it was being used at a atm but now they are saying that's not possible and all I want is the money thats rightfully mine i mean due to the identity theft i can't even open another bank account.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I received a letter from I.C. System Inc. last month that displayed a balance of {$180.00}, I sent a cease and desist letter advising that I wanted to communicate with the original creditor in which is XXXX. I noticed today that this account has been placed on my credit reports. In doing further research about this company I.C. System Inc. that purchased this account from XXXX, they currently don't hold a Collection Agency License, their license was surrendered on XX/XX/2010. I am demanding for this account to be removed from my credit reports immediately. They have violated the NC law that requires entities who engage in the collection agency business and or solicit debt must hold a Collection Agency License.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

XXXX  close my account. I have money in this company account. They toll me about a rebound of this money, but never arrive to my account, I cant check nothing because my account is close. They send me a link but I cant do nothing there.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards XXXX XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

the company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original bind contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. 

I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.

Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. 

With that being said, please note we have never been to XXXX XXXX, CA
Consumer complaint received 2017-11-28
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. (KY)

XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Arundina, LLC (LA)

On XX/XX/2023 I submitted a request for a full payoff on my client 's mortgage loan account to the foreclosing attorneys. That same day, I received a response from the foreclosing law firm requesting authorization or a representation agreement to establish my relationship as the borrower 's attorney. On XX/XX/2023, I responded with a signed authorization from the borrower ( see attached ). This was rejected as insufficient in the following email from the foreclosure law firm ( body text reproduced below : " Good morning, we will need a letter of authorization and/or representation & who you are representing in order to provide these figures. '' I replied again with another written authorization, signed by the borrower and fully in compliance with Louisiana law. Again, the foreclosure law firm refused to provide a payoff figure without being sent a representation agreement. Both Authorizations were valid Third Party Authorization forms that include all information pertinent to identify the loan account and bear the borrower 's signature. 

The repeated refusal to accept a valid Third Party Authorization has hampered my client 's ability to consider options that might avoid the foreclosure entirely, such as a private sale. Without knowing how much she owes, it is not possible to determine if the private sale would be a short sale requiring lender authorization or not. With a sale date less than thirty days away, the delays in recognizing the borrower 's valid written third party authorization constitute a strategy of delay with the objective of effectuating the foreclosure.
Consumer complaint received 2021-07-07
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: U.S. BANCORP (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-01-06
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. (FL)

I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2021-07-07
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Innacurrate and fraudulent inquiry on credit report from XXXX/XXXX. Transunion refused to move even the information is innacurrate and the company sent letter to them to remove.
Consumer complaint received 2018-01-04
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: CITIBANK, N.A. (TX)

Dear Sir/Madam, I appreciate if you would help me in dealing with CITIBANK. I find them unprofessional with XXXX regard for customers. CITIBANK Person who makes decisions is not ready to come to phone and the person i have on the phone does not understand my side. I have attached all the documents ( Dispute Letter, FAX confirmation, Address proofs with date and new address insurance ). 

In short someone abused credit card which XXXX/CITIBANK issued on my name. I never received CREDIT CARD OR ANY COMMUNICATION IN THE FORM OF MAIL, EMAIL OR PHONE CALL from any of these involved parties. Part of the reason could be becuase of my residence change. XXXX/CITIBANK sat on credit card for 14 months and later they passed it to collection agency XXXX XXXX which reached out to me at my new address. 

Ever since I found about it i have made every possible effort to resolve it with XXXX/XXXX/CITIBANK but CITIBANK like i said has XXXX regard. I made numerous attempts Summary XX/XX/XXXX I applied for XXXX 's Credit Card ( which is operated by CITIBANK ) in person at XXXX 's store but no confirmation was given to me by store weather my credit card was approved or denied. No credit card was handover to me. 

Later in XX/XX/XXXX - XXXX/collection agency informed me someone abused/fraud that card for {$100.00} in XX/XX/XXXX and it has balance of {$400.00} ( including fees and interest ). XX/XX/XXXX i moved out of my previous address and hence i never received Credit Card or Credit Card Statement or email or phone call from XXXX or CITIBANK about a credit card existed on my name with balance of {$400.00}. 

Regards XXXX