davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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. (TX)

no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX XXXX XXXX  {$19000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I have had a lot of identity theft between my mom and my aunt. I have recently in the past few years tried to clean up some of the mess. I recently learned about credit. they have both done it to me and my sister. tried contacting company but they don't want to help me with situation. Saying things like why I couldn't get the money from them since they were family. one my mom XXXX  3 years ago and two they should have never let someone 20 years older than said person sis number. it is stopping me from getting a mortgage.
Consumer complaint received 2021-07-31
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. (VA)

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX  XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MI)

This complaint is in regards to Navy FCU Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I am writing this Complaint because : PHH failed to pay my property tax ( for Q1 XXXX ) on time. The payment has been 2 months late. 

The property tax for Q1 XXXX, which is due on XX/XX/2021 ( per the invoice mailed by the XXXX XXXX XXXX has not been paid as of date XX/XX/2021 ( see attached ). The town has mailed 2 written delinquent notices ( see attached ) informing me of the issue.The documents have the contact phone number of the Township. 

As a customer of PHH mortgage, we have an escrow account where your company currently holds my money, which is supposed for the property tax payments. According to my loan agreement with PHH, all property tax payments are under PHH 's responsibility and it is the firm 's legal obligation to make the payment timely and accurately on my behalf using the funds in my escrow account. 

I, XXXX XXXX, have made several phone calls with the customer service representative and the escalation managers to raise the issue. The first phone call was on XX/XX/XXXX and the representative confirmed that the original Tax amount plus any additional interest would be paid in full by PHH Mortgage Services. However, I continued receiving another delinquent notice from the town ( with a new due date of XX/XX/2021 XXXX .I then submitted all the paperworks required by the escalation manager to the escalation services and to the Tax department several times. 

However, as I didn't see any progress made and my case was still pending verification, I made several phone calls back and was told by an escalation manager ( ID XXXX : XXXX XXXX XXXX that the team was still verifying the information and couldn't reach the XXXX township, thus the payment had not been made. 

I then called the township on XX/XX/XXXX and was able to connect right away. We were even able to conference the escalation manager into the call to verify with the officer at the township. The township confirmed that they always have officers taking phone calls and following up on voice-mails. 

As of date XX/XX/2021 we have made countless phone calls yet the payment has not been made. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
You can reach out to me at XXXX or email : XXXX. 

Loan XXXX Names on loan documents : XXXX XXXX XXXX XXXX and/or mailing address : XXXX XXXX XXXX, unit XXXX XXXX NJ XXXX Regards, XXXX XXXX XXXX
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2020-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I disputed a lateness as inaccurate on my credit report with Capital One and after investigating they removed my entire account and history on all 3 bureaus rather then removing or correcting the simple inaccurate lateness reported on all 3 bureaus. This has had an adverse affect on my credit scores on all 3 bureaus.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

I received a special pre-qualification letter in the mail to respond by XX/XX/24. The offer was to renew my existing installment loan from {$12000.00} to {$15000.00}, payoff current loan with one main financial and have up to {$4000.00} cash available. My current monthly installment loan for XXXX was {$300.00}. My new loan provided {$500.00} cash available, paid off the current loan, but increased the monthly payment to {$340.00} ( with the extra {$500.00} ). This also triggered another hard pull inquiry on my credit profile ( negative impact on score ). My complaint is specifically related to the mis-leading pre-qualification letter I received in the mail. The letter comes from their corporate home office ( not local branch ). To have an existing payment increase from {$300.00} to {$340.00} for {$500.00} when already had a good payment history on prior account seems excessive. I am set up on XXXX, took another hard hit on my credit profile, because of this misleading pre-qualification solicitation.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Received a notification from XXXX  that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AK)

On TD Auto Finance website when you select single payment there is one line that reads Personal Checking Account Info : however no where in the terms and conditions does it state all transactions that are processed will be ran hard coded as an ACH checking transaction. Over the phone for single payments representatives ask if the payment is coming from a checking or savings account. If you setup the payment online to be recurring it gives the option to choose checking or savings. By allowing consumers to choose checking vs savings for over the phone but only allowing the consumer to choose if it is done as an automatic payment is deceptive. Hiding the wording in the title does not in fact change the responsibility of TD Auto Finance to disclose in their terms and conditions that all transactions submitted using the one time use payment function will be ran hard coded as an ACH Checking transaction. TD Auto Finance by running this transaction hard coded as an ACH Checking account despite the account being labeled as Savings in the description caused a {$25.00} courtesy pay fee on my checking account. On XX/XX/2021 I spoke with an agent and then also a supervisor in their customer support area regarding the online payment. Both agents did not feel there was an error made on TD Auto Finances side as there is the one line that states Personal Checking Account Info where you input your data. I disagreed and asked to file a complaint. On XX/XX/2021 I spoke with an agent in the complaints department who agreed with the other two agents that their website is clear that it would be pulling from a checking account. The terms and conditions that I agreed to state they are authorized to pull from the account number and routing number provided. The account the payment was pulled from was in fact a different account as the account number provided was my savings account number, however, due to TD Auto FinancXXXX hard coding the transaction as a checking account it was incorrectly routed to my checking account. The agent I spoke with in the complaints department confirmed that even with that being said their website is clear and no error is made. I asked for TD Auto Finance complaints agent to place their response in writing however he declined to do so.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I purchased a spa cover from XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Florida. Over a span of several months I was finally able to get in touch with them in XXXX when the product had never arrived. They claimed the product even though advertised as fast shipment would now deliver in XXXX of the following year due to a shortage in foam. We demanded a refund and they claimed they refunded us on XX/XX/XXXX. We never received a refund for this item. We then reached out to synchrony through paypal in which we used to make the purchase and started a dispute. Synchrony has acted fraudulent on this matter. Over a period of several months Synchrony has claimed the shipper provided them documentation that the spa cover was delivered and that we signed. This never happened. I have tried multiple attempts and calls to Scyrony to keep fighting this matter and synchrony sent out a letter of what they claimed was proof that I requested of the delivery. The XXXX they sent me was completely blank. I have reached out on more attempts to get this documentation and they keep closing. Here is the catch... This company is being sued by Florida Attorney General for being fraudulent and stealing over XXXX from people and claiming they delivered their spa covers. Florida Attorney General started this lawsuit on XXXX of XXXX YET Synchrony STILL will not work with us on getting our money back and STILL has only sent us a blank XXXX no matter how many times I call or reach out on my dispute. They have now cut off communication with us on our dispute. We have been fighting and fighting to have XXXX $ refunded to our account for this fraudulent service and synchrony is not willing to help us. At this time " XXXX XXXX XXXX XXXX has been shut down due to their fraudulent activity. Please Please help us. We have an expensive spa without a cover and nothing can be done until we get our money back. XXXX XXXX , is the defendant being sued by XXXX XXXX of the Florida Attorney Generals office. Many Many other people have gone through the same issue as us and have made multiple attempts to reach out to which got this process started from Florida Attorney General yet none of us still don't have our refund and the company is shut down. On attachment below please ignore my message stating credit card number had changed. The account is all linked together and that doesn't matter. I wasn't thinking when sending that to customer.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (SC)

This complaint is regarding an inquiry on my credit report on XX/XX/2022. 

I submitted a letter to the credit bureau regarding this inquiry that showed up on my credit report. 

I explained to the credit bureau I did not authorize this inquiry and that I had reached out to the company regarding this matter to remove it off my credit report. 

The company did not remove the inquiry and that's when I contacted the credit bureau. 

Unfortunately, the credit bureau did not remove the inquiry and advised me I would need to reach out to the company. 

At this time I'm hoping you can assist me with this issue and help me to get this inquiry off of my credit report. 

Thank you
Consumer complaint received 2020-11-29
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. (GA)

Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

On XX/XX/XXXX, I successfully submitted the Income-Contingent Repayment App ( with my IRS info ). The confirmation email stated " We have sent your income-driven repayment ( IDR ) plan request to your federal loan servicer ( s ) to process the request. You can expect to hear from your servicer ( s ) within four weeks, but it may take longer if additional information is needed from you. '' I called my servicer on the XXXX of XXXX ( XXXX ) and the confirmed everything necessary was received. Was told I could expect an update in the next 2 weeks. 

I received no update so I called again on the XXXX of XXXX and again confirmed everything was received but was then told my application was processing and it could take another " 45 business days '' to update. I expressed concern that my first payment ( in XXXX ) would not be for the correct amount and I was told that I would need to call back and check. 

I called back to try someone else and after hours on hold decided to email. The recording and online contact form promised a response with 48 business hours. I submitted the email the evening of XX/XX/XXXX to XXXX. The confirmation email stated " Thank you for contacting Aidvantage via email. Please do not reply to this email as it is an automatic response.You can expect a response from one of our Customer Care Specialists within 2 business days '' I attempted to call again after a few days of no response but finally received a reply XX/XX/XXXX! ( Case # XXXX ). Below is the reply. 

Thank you for reaching out to us regarding your Income-Driven Repayment ( IDR ) Plan request. I have reviewed your account and I'm happy to assist. 
Our records indicate that your Income-Based Repayment ( IBR ) Plan expired XX/XX/XXXX. If you'd like to continue making Income-Driven Repayment ( IDR ) Plan payments, you'll need to renew your plan immediately. 
The fastest and easiest way to apply is online at StudentAid.gov. For your convenience, you can provide consent for the Department of Education to obtain your federal tax information directly from the IRS ; this will automatically calculate your monthly payment amount and allow your IDR plan to be renewed annually. 
We did receive your request to switch your Income-Based Repayment ( IBR ) Plan to the Income Contingent Repayment ( ICR ) Plan on XX/XX/XXXX. 
The Income-Based Repayment ( IBR ) Plan is the only Income-Driven Repayment ( IDR ) Plan that has an exiting procedure. I apologize, because of the? exiting procedure? associated with leaving your Income-Based Repayment ( IBR ) Plan, you would need to contact our call center to request the ICR Plan XXXX Please call XXXX Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX., and Thursday and Friday XXXX XXXX. to XXXX XXXX., XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Aidvantage - Official Servicer of Federal Student Aid ref :! XXXX.! XXXX : ref