davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (AE)

I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX. A negotiated price was agreed to, and we decided to purchase the vehicle. In our sit down with the finance representative. 

The finance representative proceeded to add additional charges as follows : He added a " {$3000.00} - XXXX XXXX miles service plan '', as mandatory/required. In addition to a " {$1200.00} Maintenance VIP Membership Plan '', as mandatory/required ''. And a " {$1000.00} " Dept Cancellation Agreement '', also as mandatory/required. A total of {$5200.00}. His misleading double talk manipulated the process throughout. 

The following day I contacted several other dealerships to research. Within 24 hours I discovered the above charges were in fact " Optional '', and not mandatory/required as stated by the XXXX of Toyota finance representative. I Toyota XXXX XXXXXXXX and demanded the unauthorized charges be removed immediately. They refused, stating our request had to be in writing. Then they later informed me that they had removed all the additional charges. But they never provided proof after multiple request.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (VA)

To whom it may concern My name is XXXX XXXX. I was card holder of XXXX from American express. My ending account number was XXXX. On closing date statement of XXXX/XXXX/2016 I paid my full statement with the amount of {$810.00} on XXXX/XXXX/2016 with conformation number XXXX and then contact with customer service and close the account and ask them to make sure this account have been paid in full and closed. couple month ago before the closing statement to what ever reason I did not receive the statement and when I saw in period of time which I expecting the statement from American express card statement, I did not receive it, I called to customer service and explain for them I did not receive the statement and when they check my mailing address, there was issue with their system. I never have late payment with them and paid in full till closing the account and customer service representative adjust and refund the late fee and refunded to my account. Unfortunately after closing the account they sent me another bill with amount of {$10.00} for interest without any explanation what is this interest for. I called them again and they told me this is interest for that {$27.00} late fee!! I told the customer service representative if Amex adjust the fee and the issue was with their system what 's the meaning of interest for late fee and this fee and interest is not in their agreement. I refuse to pay this {$10.00} to them and after while they sent me the check with amount of {$1.00} for my extra point!! After while they sent me another letter which they mention the account balance is XXXX.Recently when I check my credit report I saw they report this amount of {$10.00} to my credit history and mess with my credit score and this is NOT first time I got damage from this company. 
I talk to my attorney and explain the case to him, he encourage me to first open the case here to find solution for it and then if It is not work out step to next action. 
Thank you
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, an account with XXXX XXXX  was fraudulently opened in my name, using my personal information, including my social security number. This alarming discovery came to light only recently when I was in the process of applying for a rental contract. Upon reviewing my credit report, I found that this unauthorized account had gone into collections and is currently being managed by XXXX XXXX XXXX. The total amount that has accrued on this fraudulent account stands at {$3200.00}. I am completely unaware of how this account originated or who may have opened it in my name, as I has never authorized the creation of such an account. I have disputed this account with the credit bureaus and have included my police report as well.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (IL)

COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA
Consumer complaint received 2016-04-13
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

My mother passed away in 2014. We were told that she had a reverse mortgage through XXXX XXXX. I was in negotiations with XXXX XXXX in order to pay the loan off. I was told that I could pay {$84000.00} through a refinance. At this time, I tried to reconcile this account, but could not due to the title being in my mother 's name. I had to take her estate through probate in order to clear title. I informed XXXX XXXX of this matter and was told that they would wait to re-order a BPO after everything cleared the probate court. As the Executor of my mother 's estate, I proceeded to start the refinance process. The representative from XXXX XXXX informed me that they must order an updated appraisal/BPO. I proceeded on my end to get approved for a loan and waited for the representative to order the appraisal/BPO. To my surprise, I was served with foreclosure papers last month. I could not believe that while I followed all instructions and stayed in touch with the loan servicer, I was blindsided with a foreclosure filing. I understand that XXXX and CIT Bank are now one in the same, but I do not understand how CIT can not honor XXXX arrangement. I was approved for the loan and was told that I MUST wait for their appraisal/BPO to proceed. I have done everything required of me and this is unfair and unjust to our family.
Consumer complaint received 2016-08-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2016 I noticed there was a withdrawal of {$5700.00} taken out of my bank account. I do n't remember taking out this amount of money and never authorized this withdrawal. I personally then went to the chase bank to file a report for the unauthorized withdrawal from my account. They gave me a copy of the withdrawal receipt with a signature that was not mine. The bank then told me I needed to file a police report so I can get a refund. I went to the police department and they gave me a Victims Bill of Rights report. I then returned to the bank and showed them the report, and they denied it. They told me that the sheriffs department has their policy and the bank has their own policy, which means that they do n't care what other policies say unless its theirs. I then asked them, is there any proof that you can show me to prove it, such as security videos of that day showing who withdrew that money from my account. The bank then told me that I had to subpoena them in order to see the videos or pictures. I went to the sheriff 's department and spoke to the detective so they can subpoena the bank, which was on XX/XX/2016. A month later the bank said they do n't have any pictures or videos who told the sheriff 's department. The sheriff then told me that there is nothing they can do for me.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (KS)

I worked with a BOT  on the affirm.com and provided a screen shot of the 2 accounts I am being charged twice. One of the purchases was made through the website XXXX and the other through XXXXXXXX XXXX. Both purchases that are showing how each company has 2 purchases with the same order # information. XXXX XXXX and XXXX XXXX, XXXX. I did in fact make 1 purchase at each of these businesses. XXXX on XX/XX/XXXXXXXX XXXX  for {$52.00} and XXXX oXXXX XXXX  for {$83.00}.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX and Experian have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-12-30
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. (TX)

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the inaccuracies from my credit file. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I emphasize the urgency of this matter and the significant impact it has on my financial well being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NE)

I am in an XXXX program and XXXX  on all my loans with MOHELA. I was placed into admin forbearance with no notice or explanation and can not get Mohela to respond or explain. I have had a new employment certification form listed as processing since XX/XX/16. I just want to be done with this process as it has been horrible. I just want some answers.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (GA)

Elan Financial Services decreased my Credit Card limit from {$10000.00} to {$2000.00}, in which I had a balance at the time of the decrease of {$1900.00}. Not only is this going to impact my great hard work of keeping my credit score very good, it is going to have a negative impact on my credit score UTILIZATION of staying below the XXXX XXXX  usage. The information was incorrect from the letter that I have enclosed stating that on XX/XX/year>, XXXX reported to them that my score was XXXX. I also would like to go a step further that I believe the underwriting department is targeting a certain class of people of minorities because Ironically I have 3 colleagues that they did the same thing to them. Elan and XXXX did a conversion and converted certain accounts and they decided to review certain people of race and target them despite I wasn't a credit risk as you will see from the documents that I have included with this complaint. I was told to submit a Credit Increase, in which that would be a HARD INQUIRY which was also some of the reasons I was told as well.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX- XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX - XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.