davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. 
I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

I am having HUGE issues cancelling Experian Credit report service. I have tried numerous times between XXXX XX/XX/2018 to XXXX XX/XX/2018 to call the numbers provided as well as send emails to XXXX to get my recurring billing canceled. Each phone call they say I have over an hour and a half wait time, sometimes even 2 hours. They have not responded to my emails and there is no other way to cancel online. I DO NOT want this service to continue to charge my credit card XXXX dollars a month for something I get for free through my credit card service. They are IMPOSSIBLE to get a hold of and from the XXXX reviews and other reviews online I'm not the only person having this issue by a long shot. I have since called my credit card to have them put a block on this service but would really like to cancel it though Experian.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX ( early evening ) - I received a notice from Bank of America saying they received a request to transfer {$23000.00} from XXXX of my BofA XXXX XXXX into a XXXX XXXX  account ending in XXXX. I called the bank immediately to notify them this was not me. After XXXX hours of speaking with XXXX different people at BofA, they all guaranteed me those funds would NOT transfer and this incident would be investigated. 
XX/XX/XXXX ( early morning ) - I received another notice from BofA the funds transferred into a XXXX XXXX  account. I called the bank again to see what happened. The person I spoke with ensured me that I would receive a refund of the stolen funds and they would further investigate. 
XX/XX/XXXX - Claim was filed with Bank of America, but the funds were already transferred the day prior. This is the claim I called about on XX/XX/XXXX - filed XXXX hours after my claim. 
XX/XX/XXXX - Bank of America says they are denying my claim which reduced my credit score by XXXX points XX/XX/XXXX - Filed another claim with Bank of America - claim processed on XX/XX/year> Throughout the process, Bank of America has made it difficult for me to protect my own funds. They have refused to allow me access to my own phone records and are saying I need to file a subpoena to have records of all my own communication with them. Tellers have been unwilling to help and Bank of America is persistent that I received the funds but won't investigate the account the funds were transferred to.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (NY)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX that's as far back as my phone memory goes but these calls have been going on for months. Come from XXXX. I spoke to an actual person once from their and told them I am out of work waiting to have XXXX XXXX and to stop calling. It has not. Now they call me on a regular basis and when I answer I get a recording saying " please hold for the next available operator '' .. I've held for twenty mins and no answer. I have called them back as well. Also a recording. " This is the simonds agency. This is an attempt to collect a debt, please hold '' again no human answers.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. 

I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. 

This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC. (SC)

I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.
Consumer complaint received 2018-02-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2017 XXXX XXXX XXXX dba XXXX XXXX filed forclosure papers on my home for not providing flood insurance on the home. According to FEMA we are in flood zone x which is not inside the Special Flood Hazard Area ( floodplain ). The elevation certificate shows the house is well above the top of the dam. The Senior Planner for XXXX Co, says the house is outside of the 1 % /100-year Special Flood Hazard Area ( floodplain ). Champion mortgage is a predator. They charge monthly for property appraisal which according to case no XXXX class action complaint against Nationstar Mortgage dba XXXX XXXX filed in Illinois is illegal. I have to mail them the verification that I live at my home 3-4 times a year  because they say they never received them. This Company is also in the insurance business so of coarse they want me to have to pay for flood insurance I don't need!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

CAINE WEINER ( Original Creditor : XXXX PROGRESSIVE  ) XXXX {$260.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with CAINE & WEINER. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, CAINE & WEINER has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TX)

I am REWRITING to complaint to PNC BANK, N.A about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Collections, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC (MO)

I was contacted by a man saying he represents XXXX XXXX XXXX. He informed me this was in regards to a credit card I got when I was around XXXX XXXX XXXX. I am XXXX XXXX XXXX now. They threatened to sue me for XXXX plus dollars, when the original amount of the card was XXXX. After looking into the statue of limitations, I found information alluding to XXXX years for a credit card. I attempted to resolve this by offering a lower amount to do the right thing, but they refuse to send me any actual paperwork proving the credit card debt. He stated his boss XXXX XXXX would have a sheriff find me and would see me in court. I'm not sure if this is a scammed or not, after researching the name XXXX XXXX XXXX, alot of scammed information was found. I do remember getting a credit card when I was younger, buy they canceled the card and added a whole bunch of fees that I didn't feel was right. I have lived at my current address for over XXXX years and have never received a letter from them stating I own them anything. I have checked my credit report and made attempts to pay all my past accounts to do the right thing, but this I feel is possibly a scam. Or at least past the statue of limitations.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (OH)

I have disputed these accounts several times and reached out asking where is my authorized signature stating my consent to do business with them. They never send my signature meaning they illegally obtained my information from a bank or another consumer via internet or third party organizations. I asked to deleted off my credit report for it is affecting my score and other means of business.

15 USC 6802 illegally obtaining my information. 15 USC 1681B still havent received written verification of my signature stating I opened up an account with this business. 18 USC 1028A no lawful authority to use my info.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (CA)

I believe the account is invalid. RECEIVABLE MANAGEMENT SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RECEIVABLE MANAGEMENT XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (OH)

Someone used my personal information to start an electric account in my name. I received a letter in the mail, which says I owe {$460.00} for an electric bill for XX/XX/year> The address its regarding to is not my address nor any of my previous addresses. After further investigation on this address provided, it belong to a female by the name XXXX XXXX who was an employee in my place of employment and obtained my information illegally. I did not give my social nor this person information to use my personal information for a XXXX energy bill. This person also, has an federal case in Ohio for Identity Theft and other charges.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Klarna AB (MI)

I have not authorized KLARNA to give my information to these companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is illegal. 

I have not authorize or gave consent for XXXX XXXX  to run my credit
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX