davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (FL)

Avant Double Billed me. They promised to take my payment that I payed early and apply it to my loan. I have used this pre-pay process in the past, with success. For some reason, this time they billed me. They used the payment I payed, along with the monthly draft. The second payment overdrew my account. There were 5 NSF fees for other charges that were outstanding. The bank would n't refund those moneys. The amounts however were payed since I have an agreement with the bank to pay if I have direct deposit and an overdraft in my savings. I called Avant to get a resolution. They promised me in 8 business days the money would be refunded to my account. Then a few more days went by. I did n't receive any information. I called repeatedly. Still, promised the money would be refunded so my NSF 's would be refunded by the bank. After 21 days have passed, I finally called and they said my request was rejected. I could n't object, or appeal to their refusal process. I was slightly disappointed. Nevertheless, I contacted my bank to alert them of the possibilities that this company may be taking money out of the accounts of the persons they do business with, without their knowledge or consent, or reversing mistakes that may have possibility happened as a result of their procedures, or as a result of electronic malfunction. Unfortunately, others should be made aware that their processes allow for these types of mistakes, which can result in many over draft charges, and other types of fees that a person may normally not expect. With the addition of these new fees as part of the responsibility of taking out a loan with XXXX, I thought it pertinent to share my experience with the BBB. Although they have an A+ Review, taking money out of a person 's account unexpectedly is the new norm. It 's unfortunate, but true.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing this report because im an a victim of identity theft. Upon reviewing my credit report i noticed an account listed listed on my report under my name that i dont not recognize. I did not authorize this account. I have never applied or signed up for this credit card. The fraudulent account was opened without my consent.I respectfully ask that this account be investigated and removed from my credit report profiles immediately. The account is putting financial burden on my credit history. Please confirm in writing that this account has been deleted from my credit reports. I have attached an ftc identity report for the account.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.

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 information is inaccurate.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Glass Mountain Capital, LLC (KY)

Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or XXXX of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX XXXX XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX, I attempted to buy a new car from XXXX XXXX in XXXX XXXX. I took delivery of a XXXX XXXX XXXX XXXX and applied for financing of the vehicle through XXXX XXXX. On the 10th day, I was notified that there was a complication with financing and that I would have to go in to their office. I was on Holiday that day but went in as soon as I got back. When I went in, I was told that there was a problem with finances ; they had " misplaced '' my down payment and it had affected my loan. I was given the option to either pay more money or return the car and cancel the contract. I decided to return the car and cancel. The car was returned and I was given a contract cancellation form which assured that I would not be charged for anything since financing was rescinded. Unfortunately, I recieved a notification from Ally bank saying that I am signed up for an auto loan ; even though I returned the car and the financing was supposed to have not been issued. I called Ally bank XXXX XXXX to clear the issue up and was told it may take a week to clear up. I rechecked on XXXX XXXX and the account was still open ... I have attempted to work with Ally bank 's fraud department but have been unable to get further than their voicemail system.
Consumer complaint received 2016-10-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by XXXX, XXXX, and Experian. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from XXXX, XXXX, and Experian, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I mailed per Cardinal Financials website, a PMI removal letter with 1 day old Comps from a local realtor who has sold a few homes in my subdivision in the last 2 months, selling for prices that show my home has over the 25 % equity need to remove PMI. This was mailed XXXX, I never received a response from them, after chatting with an agent of theirs on XX/XX/XXXX, they said I wont be able to remove it without an appraisal from their Very Own appraiser, paid by me, and She advised me that I am not to use my own certified NC appraiser of my choice. No document I signed shows this specific requirement, and I do no trust Their appraiser to have my best interest at heart, and feel this is just another way of keeping PMI on my account use vague tricks that help them make more money from consumers. I live in the XXXX Hottest real estate market in XXXX NC, the comps show a average selling price of over {$81.00} per sq ft, up yp {$100.00} per sq ft, my balance is {$130000.00} i have an extra garage, exceeding the realtime comps, and my home is XXXX sq ft. The math does n't lie, I qualify for PMI removal, but Cardinal Financial doesnt want to remove it. I would appreciate any assistance you can provide in ridding PMI from my loan .. 
Thanks, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 information is inaccurate.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

It is very concerning what XXXX XXXX  does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on Covid forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Financial Solutions, LLC (TN)

XXXX XXXX XXXX called me at XXXX XXXX on XX/XX/2017 from a deceptive phone number XXXX. They are not a local company to my area. As soon as I answered the phone a man started asking me why I had n't paid my payment arrangement. I asked who he was with and said that I have never made any payment arrangements with anyone for anything. I asked him what he was talking about and he said I had made payment arrangements and did n't pay them. He said I was on recording making those arrangements and I repeatedly told him that I have never made arrangements with anyone for anything because I did n't know what he was talking about. I asked him to send me a copy of the recording if what he was saying was true. He told me " No, I do n't have to ''. I then told him that under Federal law, he had to send me proof of anything he was claiming. He then told me that I did n't know what I was talking about and to shut my mouth. He said that I needed to pay my bills and to shut up and get off his phone. He then hung up on me. He was very verbally abusive to me and called while I was at work and would not agree to validate anything he was claiming.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I had an auto loan with XXXX XXXX XXXX XXXX that was paid off in full in XXXX of 2023 A late fee that was supposed to be reversed was erroneously carried over into the balance after payment in full. 

A second late fee was then applied due to this mistake on XXXX XXXX XXXX behalf. 

After I discussed this issue with XXXX XXXX XXXX, both fees were successfully reversed by XXXX  ( as documented above in my statement ) and the loan was considered to be closed without additional payment on my behalf. 

I had called XXXX XXXX XXXX and discussed this adverse report. Since the account is already paid in full and close, they had explicitly told me to file a dispute with the credit bureaus as this was erroneously reported as an adverse event. I had asked them to make a notation in my account regarding this discussion. 

To clarify, this adverse credit report was due to an error made by XXXX XXXX XXXX. There were no additional payments required or made by me after my final XX/XX/year> payment. 

I had filed a dispute with Experian regarding this adverse credit report, but they had resolved the case as " Remains '' despite not asking for additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX