davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC (CA)

Subject : Urgent Assistance Needed : Misleading Information and Financial Struggles Due to Car Purchase I hope this message finds you well. My name is XXXX XXXX XXXX. I am writing to address a concerning situation since I purchased a vehicle from your dealership ( Own a Car in XXXX ) in XX/XX/XXXX, with XXXX XXXX as the sales representative. 

During the purchase process, XXXX XXXX assured me that I could refinance the truck within six months, a crucial factor in my decision, as I needed the vehicle to assist my daughter in moving to XXXX for college. Unfortunately, the information has proven false, leading to significant financial strain. 

The interest rate on the loan is excessive, resulting in monthly payments of {$1500.00} and a current payoff of {$43000.00} as of XX/XX/XXXX. Despite my efforts to explore refinancing options with various banks, I have encountered significant challenges. The loan amount is mismatched with the actual value of the truck, making it difficult to secure a more reasonable loan or refinance. 

I have also attempted to explore trading in the vehicle, but this has resulted in negative equity. Regrettably, both XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance, the loan company involved, have not yet cooperated in finding solutions to lower the payment and percentage of the loan. 

I am reaching out to find an amicable resolution to this matter. I aim to secure a loan of at least {$800.00}, providing some relief from the financial burden imposed by the current terms. I am open to discussion and negotiation to find a fair solution for both parties. 

I request your attention and assistance in resolving this matter promptly. Your cooperation is crucial in alleviating the financial strain I am currently facing. I appreciate your prompt attention and look forward to a positive resolution. 
My current percentage is 26 % ; a banker said it is like a credit card percentage. 

Humbly, Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (TX)

Beginning XX/XX/XXXX, I initiated the process to close my water delivery service with XXXX. I communicated with them repeatedly from XX/XX/XXXXXXXX  through XX/XX/XXXX requesting final bill for the water cooler and closure of my account. Finally on XX/XX/XXXX, in response to my inqury about the cooler once again, the company notified me that " ... we took a look at your account and saw that we took care of it. ". 

In XX/XX/XXXX, XXXX began sending me past due notifications with threats to send me to a collection agency. Every emailed notification and attachment indicated " Amount Due : {$0.00} '' and they would not respond to reply emails. 

Beginning XX/XX/XXXX, I began receiving notifications from Associated Credit Services presenting themselves as a debt collector and indicating I owed two separate amounts from my former ReadyRefresh account. 

I used their provided dispute method to submit a dispute of the debt at https : //payacs.com/contact-us/. Nobody has responded to my dispute and ACS continues to send threatening emails regarding amount owed with a deadline of XXXX
Consumer complaint received 2024-01-13
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. (FL)

My information has been compromised due to your data breach Equifax! I Demand you EXCLUDE the following TRANSACTIONS/EXPERIENCES from XXXX from my consumer report! The status reporting, and late payments are all transactions and experiences! According to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-consumer report DOES NOT INCLUDE- ( A ) ( i ) Report containing information solely as to TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT, Also According to 15 USC 1681b-Permissible Purpose of Consumer Report, also according to 15 USC 1666bb-Timing of Payments- states late payments do not report late for any purpose, YOU MUST ABIDE by the LAW, this IS NOT TO VALIDATE IF THE ACCOUNT IS ACCURATE OR MINE, but to point out VIOLATIONS you have illegally allowed by including transactions and experiences on my consumer report that by law shouldnt be reported!
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (DC)

I obtained a XXXX in the amount of XXXX  from Oportun on XX/XX/XXXX. As of today XX/XX/XXXX, loan balance is sitting at almost XXXX!! I have made XXXX payments on this loan, totaling almost XXXX!! I need to understand why the principal is not getting any lower. Why is Oportun being a money lending predator? I have XXXX other loans from other companies and Im not having this issue with them. Oportun is bleeding me dry with unforeseen Interest payments. I have recently read their reviews and other customers have similar complaints!! They need to be investigated and stopped.
Consumer complaint received 2024-01-13
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. (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 XXXX 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 2024-01-12
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-25
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. (AL)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

Discover is reporting XXXX late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Consumer complaint received 2024-10-25
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check into my checking account back in XXXX of 2023. I made a few withdrawals because I was purchasing a car. I woke up one morning my account was locked. I called customer service they stated that my account was flagged for fraud. I asked them to explain how they stated that the check was flagged for fraud. I called and spoke with the parties involved they assured me that their bank never issued any fraud alerts and it was coming from my bank. I then called back the bank and they gave me the run-around they said it was under investigation and they have no updates. I have called a spoken with several representatives and I have been transferred to the fraud department several times. I was told the process can take up to 90 days and I waited patiently. I have made several attempts to call and was told they can hold the funds as long as they like. I just need help, please.
Consumer complaint received 2024-01-10
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. (ID)

My student loans used to be handled by a lending company called XXXX but after I started working for the XXXX  and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX  administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CT)

While in modification to be able to start to repay my mortgage, the company would only allow us to refinance on a higher interest rate, which raised our monthly payments by {$900.00}. We obviously wouldn't be able to cover this extra amount but they wouldn't work with us in any other way, and continued with foreclosure procedures and forced us to accept the refinance or loose our home. Now we have obviously been unable to make this additional payment so we have fallen behind again, and once again being threatened with foreclosure. The only option they give us is to pay 3 months at once otherwise they will proceed with foreclosure. I feel as if they have purposefully put us in this hard spot in order to take our home from us.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I am the co-borrower on a joint consolidation loan. My ex-wife and I are part of a group of people affected by the Joint Consolidation Loan Separation Act. We have filed our paperwork for intent to separate our consolidated loans as soon as this becomes available. In the meantime, we'd like to take advantage of the administrative forbearance until the law is fully implemented. We had a previous forbearance with Nelnet but it expired. Not sure why. We've contacted Nelnet about it and they said we should contact the XXXX and the ombudsman group. We're tired of getting bounced around and we're hoping you can help. Please advise. Any help appreciated.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (CA)

I have been seeking to modify or resume my mortgage payment with Selene # loan XXXX since XX/XX/2002. I have been actively asking for anexplanation regarding my current mortgage balances. 
The extremely high loan balance is being use as a post mortgage payment to which Selene claim is that I do not qualify for a modification. My current mortgage payment with taxes and insurance is XXXX. I am able base on my current income to resume mortgage payments. 

Base on Selene finance I owed over XXXX XXXX, after my inquiries and disputes asking for a justification of figures with detail explanation. Selene later made some corrections to their figure and my balances was lowered to XXXX XXXX without any explanation or figures. 
my original loan amount was XXXX. Selene is refusing to provide me with any numbers as how they came up with the current figures of over a million dollars which Selene is using to qualify me for a COVID mortgage relief modification. I am being denied base on theses figures but yet I have no idea how they derived at the figures. 
I am currently seeking modification due to illness from COVID and the laws that created hardships.During COVID there were rules, laws that we had to follow this directly cause hardship because being, along with only essential workers permitted to leave there home created real hardship. Along with the above .tenants were told not to go to work and not to pay rents. Landlords could not evict. Tenants but currently lenders are allowed foreclosed due to circumstances that was beyond our control. 
I am asking for help to get Selene to be fair with their figures as it relates to my current loan balance.when it was lowered what was the reason and why I am being refused a detail breakdown as to why after al these years my mortgage has increased instead of decreased Selene is pushing me to contact who took the original loan from XXXX XXXX. XXXX is informing me to go back Selene because the loan was sold. I am just being push around by these 2 large corporations. 
In the mean time I am being contacted by all sorts of company who only trying to get money from me claiming that they can help, not knowing who to trust after several attempts to modify and being denied to high post modification payments but was never given the figures I XXXX  and is asking for help to resolve this matter. 
Please contact me XXXX XXXX for any additional information at XXXX.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account has been blocked for no reason and I cant access my funds. Its been weeks now and my funds are needed for my familys everyday necessities including rent. This has caused exorbitant XXXX  and inconvenience for my family. 

I have filed complaint with Citibank Executive Response Unit at : XXXX Case Number : XXXX Case XXXX : XXXX Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management ( MCM ) contacted someone who lives in my house and asked if they were my spouse in an attempt to collect payment. I am not married nor have I ever been married. MCM shared with them information about my payments, total debt owed, among other information and tried to get this other person to make a payment on my debt.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

My account is currently closed. I sent in an inquiry on a dispute dated XX/XX/2023 in the amount of {$3200.00}. This dispute was supposed to be ruled in my favor as I sent in evidence they failed to acknowledge any evidence I provided. Until I filed the complaint with you, they did a proper investigation and sent me a reference letter dated XX/XX/2023 that they would be sending a cashiers check in the amount of {$3200.00}. Unfortunately, there was also money that I had in the account that I had used to pay the account to bring back to a positive balance. I was told from the previous XXXX who issued the amount of {$3200.00} to file a secondary complaint. I did that unfortunately the new XXXX retaliated against me because I tried to explain numerous times, how can I have a negative balance after the dispute was credited if there was a positive balance when the account closed. she failed to understand my concerns and instead communication between her and I she has retaliated and also rejected the previous cashiers check for {$3200.00}, and also to rectify my positive balance and readjusted the account To bring the count to a XXXX balance. I have full evidence, documentation and paperwork showing the retaliation from city along with the letter stating they would be sending a cashiers check in the amount of {$3200.00}.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC (TX)

I have reached out to this company & requested proof of all documentation linking me to this collection account. I have also requested FMS FINANCIAL agreement stating they work IN HOUSE for the original creditor XXXX XXXX and NOT a third-party debt collection company that bought the debt with the Name, and time of Verification. Per request, this company added an inquiry on my consumer report which also violated 15 USC 1681b ( Permissible Purpose ) which states No inquiries should be reported that IS NOT attached to an open account. This account federally violates numerous CFR & USC and I demand it be removed immediately. 

This company also unlawfully served a summons for court to an address I have not been associated with since XXXX grade in high school. I requested the third-party company who DID NOT do the work to ensure I was associated with this address or anyone living at this address. FMS FINANCIAL SOLUTIONS continued with the court hearing without my knowledge. They WON OCT. XXXX. The only reason I was made aware of this is because they violated me as well as The Privacy Act of XXXX and put this on my credit. A debt I never received the knowledge of me needing to discharge {$20000.00}