davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX, Enter into a settlement agreement with XXXX BANK XXXX XXXX A. AS XXXX THE XXXX XXXX XXXX.AND THEIR SERVICERS : XXXX XXXX XXXX XXXX. 
and I placed a complaint with this agency on ; XX/XX/XXXX complaint that XXXX have never provided proof that they honor the settlement agreement terms by the removal of fees and a reduction of outstanding balance ; reducing principal and interest from : {$470000.00} to {$430000.00} on XX/XX/XXXX see attached settlement agreement copy and payment of taxes, interest and principal payment according to promissory note ; PRINC & INTEREST {$1300.00} ESCROW UNTIL XX/XX/XXXX : {$95.00} PAYMENT EFFECTIVE XX/XX/XXXX {$1400.00} PER MONTH See escrow activity ( attached ) So We have request in Writing phone calls and Error resolution letter of our account activities and never got any answer on XXXX XXXX XXXX XXXX  transfer loan to : SN SERVICING XXXX XXXX XXXX ; building XXXX XXXX XXXX, LA XXXX Loan # XXXX Hoping the new servicer will Honor the agreement it got worse request again again for account activity, statements, proof of correction of fees and balances reflecting settlement agreement to this date they have ignored all my requests by writing and phone calls and emails see attached corresponds from SN SERVICING our dispute is {$36000.00} settlement agreement and {$13000.00} of unspecified fees WE WANT PROOF OF CORRECTION AND A W-9 AND A DETAIL OF ACCOUNT ACTIVITY WE HAVE NOT BEING ABLE TO DO ANY LOSSMITIGATION BECAUSE OF THIS ERRORS see all attached documents to collaborate our dispute. 

XXXX and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.
Consumer complaint received 2022-07-30
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. (MD)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Consumer complaint received 2022-07-30
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX 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.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I am being contacted by an unknown ARS collections for an unknown business that I have never received service from. When I try to speak with someone who is aware of the debt, no one has heard of the debt except for ARS collections. I believe that they are fraudulent and are scammers as well. Asking for a debt to be paid that doesn't even exist.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (HI)

On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: American Credit Acceptance, LLC (PA)

I have a retail installment contract in place with American Credit Acceptance ( ACA ). This contract is in violation of 15 USC 1602 ( h ) ( l ) and 15 USC 1693 ( l ), 15 USC 1681 ( n ) ( o ) and 15 USC 1635 ( a ) ( b ). ACA has been committing fraud by impersonating as my creditor. 15 USC 1602 ( h ) states that a consumer credit sale refers to a sale in which the seller is the creditor. The the XXXX XXXX XXXX XXXX XXXX 's and I 's contract, 15 USC 1693 ( l ) was violated. ACA is also in violation of 15 USC 1635 ( a ) for failure to disclose my Right to Rescission. There were no documents included at the time of my signing of this contract explaining my right to rescission nor were those documents included in the copy of my contract that was sent via email by their office manager, XXXX XXXX on XX/XX/XXXX. This leads me to my next point to rescind. 15 USC 1635 ( b ) states that once I as a consumer exercise my right to rescind, I am not liable for any finance or other charges. 

I've notified ACA of these violated codes twice via XXXX XXXX mail ( signature upon delivery ) that was delivered on XX/XX/XXXX and again on XX/XX/XXXX. I have requested to rescind my contract due to the Federal violated codes. I received an email from ACA on XX/XX/XXXX stating my payment for XX/XX/XXXX has been deleted. I called in that same day and spoke with one of their representatives who confirmed my cease and desists letters are on file which is why they will not be contacting me. The representative also threatened to repo my vehicle ( XXXX ( VIN : XXXX ) by XXXX. I still have not received any correspondence from ACA.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

They offered me a {$3000.00} limit to spend to get {$150.00} back, and they promised the first year free, they kept pressuring me into this for two or three times, I felt like the wind was knocked out of me ( Offerred to everybody online as well. I got the same promotion except to spend {$500.00} or more in my e-mail and get the same {$150.00} back.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (GA)

Hello, I've filed many complaints regarding Hyundai with contested end of lease charges, negative reporting on my credit report subsequently lowering my score. I saw the XX/XX/2022 CFPB order for Hyundai to pay for widespread credit reporting failures and I thank you so much for taking action. It is absolutely encouraging! My previous complaint numbers re : Hyundai : XXXX XXXX XXXX XXXX I was denied credit from XXXX XXXX XXXX XXXX making me ineligible for an auto loan {$2000.00} BELOW market rate. The Hyundai " charge off '' was one of the items checked as " collection action or judgement ''.
Consumer complaint received 2020-06-11
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. (WI)

XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX XXXX breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I have 4 loans and 23 of the payments are not being counted because loan services did not calculate payments correctly. Mohela had discard payments from XXXX. I have made 120 payments as a public service employee.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

Hello, At the beginning of XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX ) started another order of equipment with their long-term supplier, XXXX, XXXX. In the beginning, everything was going smoothly as XXXX XXXX reached out to their usual contact at XXXX ( XXXX ) and settled all the details. Around the time of signing a contract, on XX/XX/2021, XXXX XXXX received an email from XXXX ( XXXX ) containing a contract, and the email said that the company got a new account number for the money transfer. Below is the information for the new account : SANTANDER BANK Account name : XXXX XXXX XXXX Account no : XXXX Routing no : XXXX Account officer address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank address : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX : XXXX During the process of signing the contract, an employee of XXXX XXXX even replied to the email with some technical questions regarding the equipment, which the email answered correctly. On XX/XX/2021, XXXX XXXX paid USD {$100000.00} to the following bank account : SANTANDER BANK Account name : XXXX, XXXX Account XXXX Routing XXXX Account officer address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX Bank addressXXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX : XXXX An employee of XXXX XXXX accidentally used the usual address for their transaction with XXXX but used the new account number provided by the email. 

After the payment on XX/XX/2021, XXXX XXXX continued to receive emails from the following addresses ( XXXX, XXXX, XXXX ) saying that they didn't receive the payment. On XX/XX/XXXX, they asked XXXX XXXX to send money to this new account instead : Bank Name : Santander bank Beneficiary Name : XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Employees at XXXX XXXX then became suspicious and called a representative at XXXX, who said that they didn't change their bank account and hadn't received any recent emails from XXXX XXXX XXXX After this, employees at XXXX XXXX believe that someone has been hijacking the emails and contacted the bank to cancel the transfer. To transfer the money to the XXXX, XXXX XXXX had to go through their bank XXXX XXXX XXXX ), which then transferred the money to XXXX in XXXX then to the account under Santander bank. XXXX bank started to contact XXXX and Santander on XX/XX/XXXX to cancel the transfer and get the money back. 

Throughout XX/XX/XXXX, XXXX XXXX continued to receive emails claiming to be XXXX asking for the transfer but has stopped replying to them. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX had a lawyer in XXXX contact Santander bank to get the money back. Around the end of XXXX, Santander bank requested a notice to say that they are not responsible and stopped replying after that. 

Please let me know if you need any documents as XXXX XXXX has asked me to file this complaint for them in the US since they can't file for this directly from XXXX. 

Thank you!
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VT)

I opened a credit card account with Chase XX/XX/XXXX. I have made timely payments the entire time ( see attached payment printout ). Payments being due the 6XX/XX/XXXX of each month ( see attached billing  printout ). 
XX/XX/XXXX they placed a late fee on my account. On XX/XX/XXXX ( 2 days later ) I made the requested payment of {$92.00}. The refused to remove the late fee, which was fine, even though the date had changed after 2 years of it being on either the XX/XX/XXXX, or 6XX/XX/XXXX of each month. 
My complaint is that once they received the {$92.00} payment, they froze my account, and upd the payment to {$350.00} which they requested be paid in full before the account would be released for use. This is ABSURD!! I continued to make payments, while trying to reason with them, however they continued to add late fees, as the entire {$350.00} was not paid all at once. 
I have sent numerous communications to them to remove the freeze, to put the payment back to what it was, and to STOP charging me late fees, as I was not going to make a payment of {$350.00}. 
They refused, continued to place the late fees on the account, as well as continuing with the ENORMOUS payment amount request, while threatening my credit. Even though I continued to make payments. 
I have worked hard and paid all my bills on time in order to have good credit including this CHASE card. 
I do NOT need or want this credit card any longer. I do however want them to remove the late fees, and put the payment amount back to amount it initially was of {$92.00}, if they want to be paid, or even lower, as nothing has since been charged against this account nor will it be. 
Credit cards are killing Americans, not because people cant or are not paying them, although I have stated I will stop payment if this is not corrected, its because Credit Card companies such as CHASE are allowed to illegally scam their good customers for NO REASON!!! Credit scores are a joke in the US, especially when you have credit card companies committing fraud such as CHASE. 
Solution is quite simple if they want to get paid : Remove all late fees, return payment amount to the amount it should be {$92.00} or less, and CLOSE this card, as I no longer want to do business with JP Morgan Chase Bank. They are CROOKS! They have refused to CLOSE the account because there is a balance, and clearly so they can continue to add late fees based on the exorbitant payment amount that they out of the blue increased over a ONE TIME LATE PAYMENT BY 2 DAYS! 
The fact they are crooks should actually - negate this account in its entirety. 
I appreciate your time and assistance with this issue and look forward to a solution. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around nine separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Consumer complaint received 2022-10-07
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. (IL)

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

I have attached a copy of all supportive documents for my statement
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (MS)

I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. 

Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.