davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: H. Kent Hollins, Attorney at Law, P.A (IA)

I have been garnished for a bill for {$290.00}. I never received any papers. Then after {$290.00} was paid now another that I know nothing about for {$500.00}. Out of my check was {$31.00} and {$100.00}. I 'm a XXXX and work a part time job supporting a child and I was never informed about these garnishments. Had to get information from job.
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC (PA)

I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has claimed to have obtained insurance on my property, policy coverage from XX/XX/XXXX to XX/XX/XXXX. I have NEVER received proof of this insurance policy, of which RightPath Servicing is claiming I am responsible for paying. 
RightPath Servicing had claimed, in their first letter regarding my insurance coverage on the property, that I did NOT HAVE insurance, or they had not received proof of insurance. There was no initial mention of the type of insurance coverage they were insinuating my property did not have. The previous servicer had in their possession, proof of insurance that they should have ( probably did provide ) provided to RightPath Servicing. After months of back and forth over this issue and me sending proof of my current policy, RightPath claimed wall in insurance, which is a slang term, was not listed in my master policy. I asked them to explain walls in insurance as I had never heard of that type of insurance. At NO TIME, until just recently, did RightPath Servicing state XXXX  insurance is what they were requiring. RightPath Servicing engaged in deceptive practice of clouding the issue in order to prevent me from obtaining this fairly inexpensive XXXX insurance. RightPath Servicing is charging an OUTRAGEOUS amount of money for a policy they claim has been purchased but has never provided any proof of its existence. 
In a response letter to my complaint, dated XX/XX/XXXX, RightPath Servicing uses the term XXXX as the insurance coverage they claim to have obtained on my behalf. RightPath Servicing claims to have purchased this insurance as of XX/XX/XXXX and is expecting me to pay for said insurance from that date. Correspondence through the CFPB will clearly show deceptive behavior by RightPath Servicing if their claim is true, that they have purchased insurance on my behalf as far back as XX/XX/XXXX.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602 A. States I have the 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-01-24
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: LEXISNEXIS (PA)

This complaint is a counter-complaint to LexisNexis CFPB complaint XXXX XXXX XXXX XXXX InLexisNexis ' response they claim to not be a consumer reporting agency. And admittedly reports this information to the credit bureaus. I never gave LexisNexis permission to report anything to anyone and by law, they can not go and scrape my information from a public record and report it to a consumer reporting agency. On my credit report, it has the bankruptcy court as the furnisher NOT LEXISNEXIS so that is the violation by the credit bureaus and grounds for removal. LexisNexis is not a creditor on my credit report so they can not be used to report my information As for LexisNexis. I want them to delete any and all information that they have contained about me. Yes, they can view it in public records but they have no right to store my information anywhere without my consent. That is a violation of my privacy 1 5 U.S. Code 1 681 ( a ) ( 4 ). This serves as my warning of intent to use LexisNexis and the CRAs for fraudulently compiling information and reporting it.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MT)

I paid for the Lowes credit card. It is the store Lowes credit card. They started the {$150.00} payment did not go through on XX/XX/XXXX. I spent the bill on XX/XX/XXXX when I got my social security, and the bank stated the payment was approved and was paid to Lowes. Lowes is refusing to accept this information from my bank. They closed my account WITHOUT my knowledge. I always make my payment ; I always make more than required. I pay anywhere from XXXX to XXXX every month when prices are only XXXX a month.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I paid the XXXX, they took it out of my bank applied the payment BUT DID NOT release the credit hold for 15 days. this could mean a company would see that i had a lighter credit usage and balance on my XXXX score than I actually did which is the very definition of a UDAAP and super bad since that procedure is not disclosed to the consumer by Synchrony Bank anywhere. You all should do a payment exam on their payment practices for the pay pal card for new customers- they told me any customers. This is a fairness problem with payment application, they have the money and refuse the release the credit amount in full. Bad. Bad. I spoke to them and the executive and the completely acknowledged this practice and seemed to be proud of it. Not a good practice and could completely cause much consumer harm.
Consumer complaint received 2022-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

ERC [ ENCHANCED RESOURCE CENTERS AT XXXX XXXX XXXX, XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$880.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
Consumer complaint received 2022-08-25
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. (SC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Creekside Finance, Inc. (NC)

I got a car through their financing company. The car was always in the shop. When it was in the shop it was in there for over a reasonable time. No communication with them about the car being in the shop. The warranty they had wasnt not what they say it was. I havent drove my car for a good six months due to it being in the shop too many times. They didnt recommend getting another car nor redo my application.
Consumer complaint received 2022-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

Penn corporation was notice on my credit file recently saying that they bought the debt in XXXX but I advised them that I previously paid it with the last debt collector.they stated thats not true and I owe.my previous credit report should reflect this information.I am currently looking through my belongings because I have moved and a lot of my things are still packed up.I have retained a lawyer and I was advised to contact this agency first
Consumer complaint received 2022-01-23
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. (OH)

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files.

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, XXXX and Equifax would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( XXXX ) XXXX XXXX XXXX ( {$3000.00} bill ) -Equifax and XXXX XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX  ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Consumer complaint received 2022-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

Loan start date : XX/XX/XXXX for {$10000.00}. Co-signed with grandparent who passed away in XXXX. 
Current loan amount : {$11000.00} - XXXX Payments made : - {$11000.00} I had a Sallie Mae private Sallie Mae loan in XXXX which was sold to Navient. I have been paying my loan consistently over the past 14 years. I believe because my school was a For-profit school in XXXX my account has slipped under the radar of the Navient issues. 

I still over more than the original amount of the loan. Multiple times calling Navient in XXXX they coerced me into putting my loan into Forbearance by paying a " Fee '' amount not explaining the issues with the interest or educating me on how this worked. They used " unfair and deceptive servicing practices '' and even asked me when I was " delinquent '' to pay certain amount to bring the account current. They also made me pay to put my account in forbearance when I was in school again. 

My co-singer who died in XXXX was never release from the account & her son was berated by Sallie Mae to pay, even though we called multiple times to et her removed. 

I have called Navient and they will not give me the call history and told me I need a lawyer to do so- this is my private info and should be accesible to me. I also asked for the " $ total amount of payments '' I've made and they do not have that data. They said would they would need to " manually calculate '' the total themselves and do not keep a record of your total payments. This is concerning as this means there is not total record of how much money I have paid over the past 14 years. 

I did the math and it looks like to me I have made over {$11000.00} in payments. Which would imply I should be almost done paying off this loan. 

Other issues include : - No official statements accessible from the website only " XXXX '' spreadsheets you can export. This conceals the true payment total and total of interest etc. It also conceals the real interest allocations and how payments are allocated for historical payment. Banks like XXXX etc have this on their site so you can easily understand. This is a dark pattern to confuse people from looking at their loan history. 
- They ask for your social security number over the phone and record these calls. This is a security issues and means my social security number is in stored in call recording I don't have access to.
Consumer complaint received 2022-01-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo Debt Settlement amount {$7100.00} Auto paid Full XXXX Amount received {$1400.00} ; Wells Fargo assigned to assigned to Bankruptcy that was filed XXXX, which was allocated to me by bankruptcy court stated it did not apply to XXXX debt Requested information on amount disbursement was told by customer service of CPI settlement Auto was repossessed, clarified with Wells Auto Finance information was incorrect. 
Requested inquiry, still waiting on response 6 months date no response Wells Fargo XXXX insurance cost me $ 4000out of pocket in XXXX due to incorrect VIN number of my vehicle. I thought for a moment they tried to do the right thing but that was short lived with this process again
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Under the The FCRA, 15 U.S.C. 1681 et seq., enacted in 1970, I disputed my credit report in XXXX with Experian several times since Bankruptcy discharge. Aware the XXXX  XXXX stays on my report for 10 years as a Public Record. Fact Experian discloses on my report accounts included in the bankruptcy as 'Potentially Negative ' to creditors is damaging. Discharged account has a zero balance, owe nothing. For Experian to list late payments on the account once discharged allows a creditor to deny me once viewing ex : late 90 days, 120 days, etc. on three accounts within the Discharged XXXX XXXX. 
Creditor is allowed by law to see Bankruptcy as a public record, but to have the right to view it in detail discriminates me, breaking my consumer rights.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (IA)

I was promised and verbally agreed if I return the vehicle back that it would not be put in my credit report. It has effected me in obtaining loans for my sons schooling and has been on credit for a long time. It hasn't been taken care properly and it seems like it has to be that I'm XXXX.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I had an account with XXXX XXXX for 2 data lines. I had canceled the lines due to lack of use. XXXX XXXX agreed and credited back my last bill due to no usage. They then billed me for 2 more months after cancelation. 

They have since turned it over to XXXX a collection agency.
Consumer complaint received 2022-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Hi, I understand Navient was recently sued. All the loans I had were part of the stated lawsuit. Coincidentally, I paid off my loans the same time the court filings came to a decision. I would like to know the below. 

1 ) Will I get reimbursed all the outstanding interest they charged me for, though I had made all the required payments on-time. This misallocation had repeatedly caused the outstanding interest for all my loans of which I've inquired about multiple times when I first started to pay for my loans. 

2 ) Originally when my loans were transferred from XXXX to Navient, they were all lumped together. I was told by Navient, if I took charge of my loans and separately paid them, I could prioritize to pay off the higher interest loans first, which would help pay off the loans faster. However, because of the change, they told me I had to partially stop and re-setup payment which cancelled out my Interest Rate Reduction discount that was a benefit given for making continuous on-time payments for a few of my loans that was affected. The discount was never reissued back to my loans, when I haven't stopped paying my loans. Navient 's process forced me to stop paying my loans and lost the discount benefit when this could've been resolved by an internal calculation correct on their end. I would like to know if i will be refunded what the discount would have covered. I've continuously made non-stop payments, which was supposed to requalify me for the discount that i never saw and I have inquired about this before through CFPB, whom did not follow-up on my previous inquiry from the feedback section.

3 ) My loans had a benefit that noted the lender was supposed to take care the last 6 payments of my loans, which I felt the terms and conditions had changed. This benefit never kicked in. Navient doesn't review their loans thoroughly. I ended up paying off the loans myself. 

Overall, I feel that Navient is not managing their loans well enough. More importantly, I wished the loans were never transferred to Navient because I feel that Navient tried to find ways to eliminate benefits that were originally part of the loan terms to begin with. Unlike XXXX and any other bank or loan lender, the company didn't send any annual statements at the end of the year explaining the payments that had occurred. Hence the lack of documentation gave Navient every opportunity there was for borrowers to not see the changes they were making. Please help investigate and follow-up with the above bullet points. Thank you.
Consumer complaint received 2022-01-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (CA)

In late mid XXXX, I receive mail from SoFi encouraging me to refinance my federal student loans with then for their low rates. Their message highlights that the federal forbearance ends at the end of XXXX which adds pressure to the message. That statement was factually incorrect as the forbearance was extended to XXXX as SoFi would most certainly know. As such anyone who refinanced with them would be paying a higher interest rate because federal loans are currently at 0 %. This is irresponsible and predatory marketing that should have been pulled from the mail house as soon as the forbearance extension was announced.
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

XX/XX/2022 {$10000.00} Paym ent {$1200.00} Interest rate is like 400 % So I could be paying back {$40000.00} t0 XXXX for borrowing XXXX The company name is titlemax in XXXX South Carolina