davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeTown Lenders, LLC (OH)

In XXXX of XXXX I started the process to refinance my mortgage through XXXX XXXX XXXX. As the process proceeded I found out I would be relocating for work so refinancing a house I was about to sell made no sense. After speaking with XXXX XXXX from XXXX we stopped the refinance and switched the application to a conventional mortgage. As I started my relocation process I requested my pre approval letter from XXXX. He provided a pre approval letter dated XX/XX/XXXX that stated " The loan approval is continent upon preliminary title and satisfaction property appraisal, and down payment being verified ''. 

On XX/XX/XXXX I submitted an offer on a house and it was accepted. As we went through the process I paid {$2400.00} in earnest money and began the process of getting the home appraised and inspected. On XX/XX/XXXX after days of trying to get a response from Mr. XXXX regarding the status of the loan he finally responded saying that he had to re-run my credit and was no longer able to offer an conventional loan. The neighborhood I was moving to did not allow FHA loans so I was unable to purchase the house. I followed up with a question to XXXX and to this day have never heard a response. 

Due to this, I lost the amount for my earnest money, inspection, and appraisal. Furthermore, I was forced to begin the home buying process over again with approval from a different lender as an FHA loan. This caused me to have to live in a hotel, and incur multiple other unnecessary expenses until I was able to find a home, get the offer accepted, inspected and closed while using another lender. 

This could have been prevented by XXXX running my credit for pre approval from the beginning instead of just using the same credit report from the refinance for the pre approval letter. 

I previously had my mortgage refinanced with XXXX and it was a pleasant experience. I would think that a repeat customer would be treated better.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Capital One that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is/was found, including but not limited to late payments, on any of my credit reports by their company, I will not hesitate in bringing legal action against them for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). I have over 60 exhibits with 5 ( + ) violations on them a piece. They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Consumer complaint received 2023-04-02
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. (VA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Dear Sir/Madam, I am writing to file a complaint regarding the communication I received from my loan servicer, which has caused me great concern and frustration. I recently received an email that detailed the terms and conditions of the payment modification program for my loan, and I am troubled by the implications it contains. 

I have also attempted to work with my loan servicer to lower my payments due to my current unemployment status, but my requests have been denied. I believe that this refusal to work with me is unfair and puts me at risk of defaulting on my loans. 

Specifically, the email stated that the use of a payment modification program, with the exception of Extended Borrower Repayment, may result in disqualification from certain borrower benefits, including private loan cosigner release, that require on-time payments to be made. I find this to be deeply concerning as it seems to suggest that I will lose important benefits if I take advantage of the payment modification program.

Additionally, the email indicated that if my enrollment in the program is denied or terminated, the payments I authorize will still be withdrawn and applied to my loans, but they may not be enough to cover my full monthly payment amount, which could result in delinquency. This feels like an unfair and unnecessary risk to take.

Overall, I feel that the communication I received was unclear and potentially misleading. I am concerned that I may not fully understand the terms and conditions of the payment modification program and that I may inadvertently lose important borrower benefits or become delinquent on my loans as a result of participating in the program.

Therefore, I urge you to investigate this matter and ensure that my loan servicer is providing clear and accurate information to borrowers about their options and the potential consequences of those options. Additionally, I urge you to investigate why my request to lower my payments has been denied and to take appropriate action to ensure that my loan servicer is treating borrowers fairly and in accordance with federal laws and regulations. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is not doing its job as a credit reporting bureau. It is allowing XXXX XXXX, subsidiary of XXXX XXXX to continue to report inaccurate and even unlawful material on my credit report. XXXX XXXX has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, XXXX XXXX  has recorded a late payment in 2020 although there has been no activity on that account in years. I have disputed this information with Experian, and have demonstrated from Experian 's own records that XXXX XXXX  is inaccurately and unlawfully keeping negative credit information on my credit report, yet Experian has not removed the negative financial information. I want Experian to remove this account completely from my credit report because it is too old to still be on my report. All negative reporting should be deleted. And by no means should this account have any reporting on it from 2020. Such reporting is not only false, it is in violation of the Fair Credit Reporting Act ( FCRA ). If Experian continues to allow XXXX XXXX  or any other company to continue year after year to keep negative information on one 's credit report, then Experian is rendering the FCRA meaningless as negative information would never be removed from consumers ' credit reports.
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CO)

I'm a XXXX XXXX XXXX  and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in XXXX to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number 945 in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OR)

I received an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. I called the Sunrise Credit Service , Inc. ( XXXX ) XXXX the same day and discovered I had an outstanding balance with XXXX XXXX XXXX of {$2100.00} from charges made in XXXXXXXX XXXX XXXXXXXX. I did not make these charges. I do not know what these charges are for. I do not know who made these charges. Someone used my name and social security number to make these charges- which means I'm a victim of identity theft. The phone number, email and address used to make these charges are not mine and have never been mine. Sunrise Credit Service sent me Identity Theft Victim 's Complaint and Affidavit form to fill out - which I did and submitted XX/XX/XXXX. My incident number for that submission was # XXXX. I was again notified with an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. It was by the same collection service for the same charge. Apparently my identity theft claim had been denied by XXXX XXXX XXXX. Using XXXX XXXX XXXX XXXX online portal I protested the ruling, incident number # XXXX on XX/XX/XXXX. That day I received an email from XXXX XXXX XXXX acknowledging my inquiry & stating a time frame for a response from them of 14 days. Since this time I have filed a police report and am going through XXXX XXXXXXXX XXXX  service to help protect me from someone using my name and social security number again. 1. I never received information about what the charges specifically were from either XXXX XXXX XXXX  or Sunrise Credit Services. 2. I never received notice of denial from my Identity Theft claim with XXXX XXXX XXXX. 3. I have been unable to find out why it was denied- which according to the police is my legal right. 4. I have yet to hear the results of my appeal from XXXX XXXX XXXX from XX/XX/XXXX. 5. I have been unable to make contact with an XXXX XXXX XXXX customer service professional in the fraud department despite calling multiple times and being on hold for over XXXX documented hours.
Consumer complaint received 2022-12-12
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. (MO)

Experian is in violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Experian must respect my right to privacy. I have a right to privacy ; Experian is violating my rights to privacy as a Federal protected consumer. There is a need for Experian to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Experian actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Experian actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.
Consumer complaint received 2023-04-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A-L FINANCIAL CORP (CA)

I have attempted to reach AL financial company about to resolve these issues. They hang up on me and speak rudely. They are putting me at a disadvantage by closing out the debt and reopening under a different company, causing my debt to re-age. I have written letters to have item removed and they have ignored me beyond repair. I have tried everything I can to fix this issue as my credit is holding my children and myself back from bettering our lives. This was added into collections in 2016 and re added every year after making my clock be extended.
Consumer complaint received 2023-04-02
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. (FL)

My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXXXXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2021-06-21
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: Sequium Asset Solutions, LLC (OH)

Credit Collection Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In Accordance with the fair credit Reporting Act XXXX  Account # XXXX # XXXX has violated my rights 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-01
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (KY)

I originally accepted a federal student loan through XXXX XXXX for about {$20000.00}. The loan was assumed by Navient from XXXX XXXX and I have repaid almost {$18000.00} towards the original loan amount. However, Navient claims I owe them over {$24000.00} still. This is more than the original loan amount that I have been paying on for over 20 years. This is mathematically impossible for a loan with an 8.25 % interest rate. I have had several " forebearances '' that were applied to my account by Navient without my consent and that have made the payoff amount out of reach. I have also been told they are compounding the interest daily, and even though I have paid over {$300.00} a month for almost 20 years, they claim I am deeper in debt than when I originally took out the loan. I would be glad to settle the loan for a reasonable amount but I am not repaying double the original loan amount. Please provide some arbitration or legal assistance with this matter. Navient is well-known for handling federal student loans with very questionable practices that has led to the deception of millions of American taxpayers and they have stolen millions from the students of this country in the name of the federal government. They should be already have been prosecuted criminally for these actions but I really just want to be able to pay-off my loan for a reasonable amount. Please intervene and stop Navient from continuing to perform these types of practices.
Consumer complaint received 2022-09-20
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. (PA)

The credit reporting company and XXXX XXXX XXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.
Consumer complaint received 2023-04-08
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. (TX)

When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2022-07-18
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BANK XXXX XXXX XXXX