davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I currently have a loan with credit acceptance with an very HGH interest rate. I called them to let them know my car was a XXXX, if they would assist me with my issue. They agreed to allow me to pay {$100.00} bi-weekly ( did not fix my compliant ). Their response to me was to return the car and it would be a repo. I called them several times for someone to please help me. I pulled out my contract to review it, didn't understand it. I called to request my contract ( XXXX ) times they never sent over to me. I am so far behind on my loan I'm afraid they will come to repo it. I am in need of assistance, please. I appreciate your attention to my request. Credit Acceptance is the XXXX!
Consumer complaint received 2022-02-14
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. (MA)

I mailed certified letters to XXXX XX/XX/2022, which was received XX/XX/XXXX at XXXX and Experian, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have XXXX-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the XXXX.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (TN)

I submitted a complaint to CFPB case no. XXXX on XX/XX/XXXX about this same company : Republic Finance. A case was opened, the company responded, and I responded thru the CFPB website portal about XX/XX/XXXX. Since there were some peculiar events contained in the original complaint, I had not heard from the company for several months. The complaint was initially about how much money I owed, how much was reported to the credit bureau, and how much the company said I owed according to the original contract. There were discrepancies in all XXXX instances. To date, the company has not sent a complete itemization of the principal balance, interest accrued, interest paid and payments made to the loan. It is a personal loan taken out with personal property as collateral ( which they never saw ). I do still own the property. My concern is that after CFPB got involved, the company stopped all communications with me from approximately XX/XX/XXXX to XX/XX/XXXX. I have received no mail requesting payments for the debt until a few weeks ago. I believe according to the documents presented by Republic Finance they do not want to disclose the itemization of principal balance plus interest separately because they are lying about how much I owe. And they also have used intimidation to attempt to collect. I am writing again because I would like a third party to review this company 's collection practices. I am not in a position to hire an attorney. I just want them to itemize the principal balance, interest and fees in writing. Because the debt is well past due, they should have been contacting me several months ago. It is curious because if I was two days late they would be both calling and sending reminder letters out. the loan is about 2 years old now. Total amount borrowed was XXXX. total amount paid was {$2400.00}. None of the documents Republic Finance sent reflect these amount. The document I received has a return address of XXXX, LA. XXXX. XXXX. Branch # XXXX. Balance amount is now {$2300.00} with a payoff offer of {$2000.00}. Settlement offer of {$1500.00}. Still very confusing since none of the figures amount to what I have on record to owe. My last amount of the loan balance they reported was {$2200.00} as of XX/XX/XXXX. I believe I do not owe them anything because of poor business practice/misrepresenting how much I owed initially, and concurrently, intimidation and false credit reporting posted on my credit report.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

I lived in an apartment in XXXX called XXXX XXXX which has since been named XXXX XXXX  which is owned by XXXX XXXX XXXX. Our lease ended on XX/XX/XXXX. In XXXX of XXXX, I received a phone call from Professional Debt Mediation claiming that I owed them XXXX. I requested proof of the debt and they are stating it is for 1 months rent for not giving 30 days notice prior to the end of the lease and money for excessive cleaning after move out. I do not owe this debt to them for the following reasons : I received an email from the apartment complex on XX/XX/XXXX explaining what our rent increase would be and it says " If you do not sign a Renewal Lease by this date, this letter will serve as your Notice of Non Renewal and you must vacate the premises by XX/XX/XXXX. '' We did not reply as they said no reply was our notice of non renewal. 

The apartment complex also provided a copy of our security deposit claim that was dated XX/XX/XXXX. Our lease explicitly states that the landlord must file a security deposit claim within 30 days of the expiration of the lease ( XX/XX/XXXX ) or the landlord forfeits the right to file a security deposit claim. Because of this, the apartment complex actually owes US {$500.00}. 

Also, they mailed the security deposit claim to the address that we had moved out of and our mail forward service had expired by that time. 

I provided documentation of the above proving that the debt was not valid, which XXXX XXXX at XXXX  refuses to acknowledge as proof and is saying they will be putting it on our credit if we do not pay immediately. They are stating that we can not longer dispute the debt and they are only following the instructions of their client and are putting it on our credit report.
Consumer complaint received 2023-04-14
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. (NY)

The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a right to privacy 15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I sent my mortgage company a property tax bill on XX/XX/2020 that was due on XX/XX/2020. This bill still has not been paid out and is now 30 days deliquent because LoanCare LLC has not paid it yet. I have called their customer service dept. 7 times and they are not able to put me in contact with the tax department so there has been no solution in sight. I was told today that this request would not be completed until XX/XX/2020 making this tax bill almost 60 days late. At one point I was even told by a customer service agent that the payment was being processed " as we speak '' which I discovered was a lie. This company is holding my escrow money that I pay into and will not disburse my tax payment in a timely manner.
Consumer complaint received 2018-03-19
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. (GA)

equifax is reporting inaccurate information on my credit file and i can never submit a dispute online due to inaccurate security questions and answers. I know my personal information and the answers i provide doesnt match up with their inaccurate answers and its been causing damage to my credit.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   XXXX .
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

APPARENTLY, I ASSUME SOMEONE FROM THE CFPB IS WORKING TODAY OR YOUR SYSTEM IS HACKED. THE LAST COMPLAINT IS ALREADY STATING SENT TO THE REGULATOR. THE ONLY ADDITIONAL OPTION WILL BE TO ASSUME KEEP WORKS OR PHRASES CAUSES A LEVEL OF FILTERING. 
I AM REQUESTING THE CFPB TO REVIEW THE UPLOAD DOCUMENTS. PLEASE NOTE SOMEONE CREATED THE XXXX XXXX FOR XXXX FROM THE SAME TEMPLATE AS BANK OF AMERICA ITS SO FRADULUENT IF YOU NOTICE THE ACCOUNT NUMBER AT THE TOP OF THE PAGE IS THE SAME XXXX. THESE FRAUD DOCS PERTAIN TO XXXX XXXX XXXX, XXXX GA XXXX, I AM REQUESTING ALL DOCUMENTS FROM BANK OF AMERICA AS THIS LOAD IS FRADULUENT AS WELL. 

THIS IS PATHETIC!
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (TN)

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX  and Equifax I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.
Consumer complaint received 2024-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (FL)

Sallie Mae is completely out of control and show zero respect to consumers rights. I am the parent and I have XXXX student/ parent loan in which I have been paying interest payments on while my daughter is still in school for the past 4 years. Occasionally I am several days late making one of the loans interest payments. After one day late they start their barrage of threatening phone calls from XXXX until late in the evening. While I am at work and when I answer they are extremely aggressive and threatening. They are predators both in lending and in collections and it has to stop. My wife and I work extremely hard, I work two jobs trying to help my daughter get her education. Sallie Mae needs to be investigated, first the portray themselves as being part of the government loan program to trick students and parents into believing they are a federal loan program, then they aggressively lure students and parents into easy to obtain high interest loans so they can increase their bottom line while entrapping consumers into a nightmare scenario. Please have congress investigate this predatory lender with threatening phone calls which clerical violate federal collections law. Kind regards XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

The previous complaint with cfpd is XXXX. Equifax has not corrected the report, and I provided my driver 's license to prove my identity. I applied for a line of credit and the report has my former name and none of my updated lines of credit. Only credit from XXXX is showing. Missing is my current car loan, credit cards, job, salary, and address. Equifax has had more than 60 days to make the corrections and it has not. Equifax responded in XX/XX/XXXX that it was working on the issue and as of today, my credit report remains incorrect. I am applying for a personal loan and because the information is incorrect, I am being denied.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

This complaint is regarding the Wellsfargo XXXX XXXX service. I use the account to pay for my monthly bills including my Student Loan payments. My student loan payments resumed XX/XX/XXXX. I sent payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payee information entered by me on XXXX XXXX is US Department of Education, XXXX XXXX XXXX, XXXX, GA, XXXX. The payments sent XXXX, XXXX, XXXX, and XXXX of XXXX on the dates listed above were all sent electronically via Wells Fargo XXXX XXXX per the information I entered. However, the payments from XX/XX/XXXX and XX/XX/XXXX were sent via check. These XXXX payments were sent to the wrong address by Wells Fargo. I have the XXXX proof of payment checks/PDFs. On the proof of payment, you can clearly see the Payee Information ( entered by me, the XXXX, GA XXXX XXXX XXXX above ) and the front and back of the check. On the check face, " to the order of '' is listed as Dept of Ed- XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. On the back of the check, there is an endorsement stamp from XXXX. The WellsFargo XXXXXXXX XXXX changed the payee address to the XXXX, XXXX XXXX XXXX XXXX. I did not at any point list this as the XXXX address ; the only payee address I listed was the XXXX, GA XXXX XXXX XXXX The XXXX, OR PO that Wellsfargo changed the payee to is associated with XXXX. XXXX is not my student loan servicer. I've called Wellsfargo XX/XX/XXXX and XX/XX/XXXX and have explained they sent my payment to the incorrect address and payee without my authorization. They have claimed to escalate the complaint to a manager who would call me back in 1-2 business days. I have yet to receive a call back. They sent my money to the wrong payee and thus far have refused to acknowledge this even though the proof is quite clear on the proof of payment PDF.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I noticed XXXX hard pulls on my credit, I first sent letters to each creditor that had pulled my credit and NONE were able to provide justification for the inquiries. I then disputed with TransUnion via letter on XX/XX/XXXX, I received a notice that the investigation had begun on XX/XX/XXXX. After failing to receive evidence of the validity of the pulls, I sent a letter via certified mail on XXXX requesting that the pulls be removed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TransUnion responded stating that the investigation was started ( the same generic form letter I received on XX/XX/XXXX. I then filed a complaint with CFPB on XX/XX/XXXX. TransUnion responded with the same generic response and told me to contact the creditors directly ( I ALREADY DID!! ) PLEASE enforce the Fair Credit Reporting Act and force TransUnion to remove these unauthorized inquiries. I am also filing a complaint with the FTC.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

Shellpoint Mortgage ( Newrez ) is not following through with my successor in interest request.

First submission was in XX/XX/2020 for assumption process. They forced me to try for a loan modification and then a forbearance. Im not interested in either. 
After opting out of loan modification, there has been zero communication on their part. They say to resubmit yall documents. One rep will say Im listed as secondary note holder while another says Im not on the note nor can they discuss the successor in interest.