davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I was solicited through a credit report check, through XXXX, that I was pre-approved for a Capital One platinum Mastercard with an introductory limit of {$500.00}. I went ahead and applied, and was approved. In XXXX of XXXX, I received this card, with a lower limit of {$300.00}. I installed the app and had everything on my XXXX as well as my XXXX. I made no purchase for a month. I then made purchases and never received my statement, either online or by mail. Everytime I went to the website to access my account it said I wasn't able to access my account and had to use the app to verify my identity, when on the app it told me to go online or call the support number. After many attempts and 2 emails saying only that my bill was due, with the least amount owed being {$25.00}, I called the customer support number on the back of my card. I was never offerred nor could I reach a live person/agent to speak to. So, I went ahead and made my first monthly payment, and I believe around XXXX, after some other failed attempts at accessing my account, statement, speaking to support, and nothing in my mail, I finally gave up on trying to get this run-around to pay my balance. I assumed I would receive something in the mail, and my bank account was linked to this account, also, for payments. I never recieved any correspondence either through email ( an automated email monthly when tried to access was referred to app, didn't have access/locked out, no customer support other than a number to autoteleservices and payments ), or postal mail. I went to access my funds at the local grocery store in XX/XX/XXXX and was declined with an ending balance of less than {$300.00}, plus my payment. I was given no ability to pay other than automated payments with no account information or even receipt of payment. Now, of course, this card claims to have me in collections to which I have attempted a dispute. I had ability to pay but now I don't. I believe this was a scam to access my info, bank account numbers, and deny me a right to full disclosures and a fair accessible way to pay. It has negatively affected my credit, which was the point of opening a credit line to begin with, rebuilding my credit file. I am still as of XX/XX/XXXX trying to access this account and speak to capital one, not the collection company they sent my account to. Without 1 statement in the mail. Not 1 attempt to contact me at my address.
Consumer complaint received 2023-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (SD)

I receive a Breach letter from Selene Finance, knowing my account was not 120 days past due I placed a call to Selene finance to obtain information on why received a notice of default. I was told by a representative of Selene finance that they hold my payment in suspense account due to a previous bankruptcy I filed many many years ago. In disbelief I continued to pay my payments. Today I received my XXXX XXXX billing statement from Selene finance and saw that my payment made on XX/XX/2023 was held in suspense- I made a payment of {$1100.00} my payment is XXXX they held the entire payment from XXXX in suspense. The payment made in XX/XX/2023 wasnt reflected. When communicated to Selene Finance via email I inquired in regards to the breach letter and cost of that breach letter - I didnt receive any response from Selene Finance addressing the breach letter at all. When I called back to Selene the representative was less than helpful and asked me what was I talking about and why it mattered I am paying my payments.
Consumer complaint received 2020-04-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (VA)

I looked on my credit report & saw it had a student loan on it. I never applied to any college. Or co-signed any loan. I contacted GREAT LAKES in XXXX, Wi. They sent me a fraud package & told me to get a police report. I did so. Now they saying thats not enough. I need this off my credit report. I contacted the school. Which is XXXX XXXX College. They wouldnt give me any information on the student loan that I suppose to have taken out. The account number is # XXXX. Please HELP with this situation. Its having a negative impact on my credit. Thanks in advance. The date of loans started XX/XX/2018
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

XXXX Mortgage sold two of my mortgage loan to NewREZ /Shellpoint Loan Serving in XXXX. 
I no longer have access to the monthly statements from XXXX to XXXX   2019 monthly statement from XXXX Website, called them, their VM said they are out of business and contact the new loan servcer, which is New Rez, called them, sent multiple emails to them request the missing monthly statement and ask them to give detail break down how they come up the XXXX amount, which is not correct to me, ask them about my two loan escrow account, NewRez told me they don't have any of the records for me. 
don't the government require them to keep all the loan records and payment records for 7 years? I only requested the record of 2019.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (MS)

On XX/XX/2019 Blue Trust Loan Company called my job and asked to speak with my boss. The collector publicized my debt not just on this day, but on repeated voicemails on my boss phone. I would like for the harassment to stop. I prefer they no longer call my place of employment and that they do not discuss my debt with my employer.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

On XX/XX/XXXX I went to XXXX XXXX as I got a txt message stating I'm eligible for a " lease to buy '' upgraded phone with " NO CREDIT CHECK ''! Is clearly what false advertisement said however when I arrived at XXXX XXXX they did ask for my social they said was a soft pull however Lexis Nexis reported inaccurate information to them and I was denied and Lexis Nexis obtained my report without my consent! On a falsee advertisement from XXXX XXXX phone company
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I have paid off my auto loan with XXXX  XXXX XXXX XXXX in full on XX/XX/XXXX but I see a derogatory remark has been added by XXXX  XXXX XXXX XXXX on XX/XX/XXXX when the account was already closed in XX/XX/XXXX Please help in this matter as this is purely a case of false credit reporting and unethical conduct on part of the lender -XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

For the past 3 years I have this property, Loancare requested proof of wind peril insurance. 
Last XX/XX/2020, I sent proof of insurance attaching the policy doc online, but they claimed it didnt go through. 
Since I kept receiving notifications of their intention to buy another policy I got one of of their representatives to help me on the phone. She walked me through the entire process to attach the policy again. She confirmed she saw it online. She also requested the name of the insurance agent ( XXXX XXXX ) and spoke to her to confirm everything looked according to their requirements. 
She confirmed to me on the phone that everything looked ok and I didnt have to worry about it. 
4 months later Loancare is claiming that this wind peril insurance my property has is not the peril insurance they required the property to have. So they went and bought insurance on my name, and are escrowing me {$420.00} for an insurance I already paid and sent evidence of such several times. 
I requested proof of calls I have made to solve this issue over the past 4 months and they are telling me that unfortunately I have to subpoena to get that. 
So what they are saying now is that I have to hire an attorney to proof to them I have done my job
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

SECURITY FIN Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code :  Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

In mid-XXXX a fraudulent charge appeared on my account in the amount of {$2200.00}. I contacted the Citibank immediately. The card was closed and the fraudulent charge was reversed. The following month the charge was again posted to my account. I spoke with both an agent and the fraud department. The charge was then reversed. The fraudulent charge has once again been posted to my account. The card never left my possession, nor is the name of the individual, XXXX XXXX, my name or even gender. The lack of resolution and constant calls to Citibank are very disturbing and time consuming and show a lack of care and follow-through.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX  dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I never got a cashnetusa loan. I've been homeless XXXX to XXXX in XXXX been living in a XXXX XXXX  while working jobs that would only allow me to keep my status of homelessness while living in a rooming house. I lost my car. Lost everything. I think I would remember getting a loan. And I do not believe that cashnet would lend me a large amount of money such as the balance XXXX. Specially if my credit score it poor and I already have a debit with a personal loan for XXXX. Making XXXX a week. I do believe that someone within cashnet has used my information and connected my name to this bogus account. I would like some form of police involved in this investigation. I've tried XXXX XXXX website but for some reason XXXX XXXX playing too many games.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

focused recovery XXXX XXXX XXXX didn't take it off my credit report and i dont owe XXXXXX/XX/2015 and the account was closed it has not been removed from my credit report. also i had to send complaints to the XXXX in XXXX va cause another company XXXX  closed the account but XXXX XXXX  is asking for the XXXX XXXX turned it over to another collection agency and i sent the paperwork to the XXXX  cause XXXX still wants there money so i need u to please take care of the this for me i talked to XXXX XXXX  and they keeper telling me i owe and they were nasty on the phone with my wife so nothing has been resolved yet and i tried find the feed back on my complaint before u close it
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2020-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XX/XX/XXXX To Whom It May Concern : RE : Please help to stop Foreclosure and Reinstatement the second Mortgage ( HELOC ). ( Predatory Lending Practices ) - PLEASE Grant a trial modification for THIS 7-YEAR plus LENGTH of the HELOC. 

I have been purchased and stayed in this property, located XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX. During XXXX, I have modified the first loan for this property. The first mortgages of the modification have been successful while the HELOC has been denied and the debt of {$110000.00} has put on an invalided situation by Loan Services. SLS ( Specialized Loan Services ) has played a " buy-time '' strategy to delayed and ignore to coordinate and have sincerely helped me to get throughout the HELOC modification. Their strategy to wait for the market turnaround and forces me to foreclosure. 
In many past years, I have to keep submitting many application packages and never receive any response. I do not they pretend to set up a wrong my mailing contact address during years and they sent to wrong address that I never receive any things until the representative accidentally disclose it to be the year of XXXX ( Mr. XXXX ) Beginning of XXXX month XXXX, I have received a notice of Office the District Attorney of XXXX XXXX County : " A notice of Default ''. was recorded against the property and it is now in foreclosure. I also received a few mails from SLS, LLC and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. 
disclosed that the on-going modified debt ( HELOC ) is now valid. They have the right to open this case now and process to foreclosure my primary home. I was extremely confused and frustrated very much BUT I must fight to keep it and willing to cooperate with the Services, or Investor and agencies to come up with the solution. 
I did send email, mail, fax to ask the SLS and Investor to maximize lower the rate to 2 % and 40-year-term or to forbear the plan of HELOC. I also contacted a few lenders who willing to lend me an original amount of HELOC debt to pay off, if Specialized Loan Services or/and Investor willing to help me in forgives of past dues or/and fees. Until now I have not received any replies from Specialized Loan Services. I called the Representative is not available, and the Operators told me their policy does not allow them to text or email. I must be waiting their phone call or I must call back. 
Email is a very potential key for quick responses BUT crucial pieces of evidence in writing. 
In advance, Thank you for the consideration, valuable time, and sincerely helps. I look forward to hearing from your office. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Mr. XXXX XXXX CEO Loan : XXXX
Consumer complaint received 2024-01-02
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: General Motors Financial Company, Inc. (NJ)

I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (WI)

I am accusing JP Morgan Chase of not following the PPP loan instructions from the federal government. JP Morgan Chase has accepted hundred of thousands of loans in regard to federal Payroll Protection Program, JP Morgan Chase has decided to " cherry '' pick out of the applicants for the purpose of benefiting Chase and not benefiting applicants. The PPP loan was not designed to benefit banks and no bank should be allowed to pick and choose who they want to give the loan to based off the SBA guidence, JP Morgan Chase did not disclose that they would serve large companies prior to small companies and has mislead small businesses into applying. I would ask that you look into who JP Morgan Chase provided a PPP loan to first ( such as XXXX XXXX XXXX XXXX  ) who owes millions of dollars to Chase, you will see they are picking who owes Chase the most money and when they provide the in debt company a PPP loan first then they will have protection on an debt due. This is discrimination and I request this to be looked into. I would also like to file a complaint that Chase has not provided confirmation emails in regard to loan applications being submitted ( in regard to PPP loan ), this leaves individuals in limbo and not knowing what is going on which prevents applicants receiving well needed loans.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.