davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

When credit bureau experian and XXXX are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into XXXX with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Advanced Resolution Services Inc. (CA)

I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. 
On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. 
If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW
Consumer complaint received 2015-04-30
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

Filed against : ReloaditXXXX XXXX XXXX XXXX CA XXXXComplaint Description : Theft of Money - {$900.00} total. {$500.00} in Reloadit 'Safe ' and {$500.00} on Reloadit card that I can not load to 'safe '. Claimed Tech Difficulties XX/XX/2015 - purchased XXXX reloadit cards for a total of {$1400.00} ( {$500.00}, {$500.00}, {$400.00} ) - After delay of having to try XXXX times to verify my card ( which had already been verified weeks ago ) Both cards for {$500.00} each finally loaded to my 'safe ' I was able to load only {$500.00} to my netspend card. When I tried to reload the remaining {$500.00} in my safe ... I get the error " experiencing technical difficulties, please try again later. The card for {$400.00} will not even load to my 'Safe ' - system says ... you reached your max of {$1000.00} for the day. XX/XX/2015 - still same thing ... can not get my money which I am critically in need of. So I researched the so called 'technical difficulty scam .... thus I am not waiting for months for a resolution nor to file my complaint http : XXXX Called reloadit.com, got run around that the reason my card would not load is because the XXXX card is rejecting it .... Called XXXX and I can load up to {$2500.00} on that card so just another game by Reloadit to steal my {$.00} In same call with Reloadit.com XXXX asked why I can not load my other card for {$400.00} to my " safe '', they said you can not load more than $ 1K a day .... Well I loaded $ 1K a few days ago and have tried to load my {$400.00} repack card everday, since with no luck. Also getting technical difficulties message which we know if fake ... The customer service person said ... let me go and check on that then never came back on line .... Instead got some cryptic message that meant nothing to anyone and then I was hung up on!
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MA)

In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IL)

Based off the fact that Experian has yet to forward any documents to me, show me any proof the fact that I have reached out to them on several occasions with proof from the creditor they are clearly in violation of Section 611 ( 5 ) ( A ). 
I have contacted Experian and spoke with XXXX and she stated that they are unable to use the information that clearly show XXXX investigated my dispute and is unable to substantiate - show to be true, give substance to, support, uphold, bear out, justify the debt. She also, stated that they reached out to XXXX and they just stated that it should remain. This is not an investigation on Experian part. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of XXXX 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-01-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue.

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (UT)

My wife and I decided to refinance our house to help lower our payment a little bit. When we met with the company to start the refinance process, we were told that there was going to be no cost to us. Then we get documents that said we needed to bring {$270.00} to closing. We then get communication that we need to bring {$870.00} to closing. We next get a Document to sign saying we need to bring over {$1000.00} to close. We get that issue resolved, but have yet to receive any documentation on anything else. We have had to constantly request updates on where we are in the Funding process.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

Hi! I had some money in investing and when a failed deposit went through i was forced to sell all of my investments. I had {$420.00} positive after that. Robinhood then restricted my account and only send automated messages. I cant transfer my money out and they got me evicted! I need my money!
Consumer complaint received 2016-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (GA)

I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I filed chapter XXXX over 9 years ago. My husband and I actually dismissed the BK and settled with creditors and paid off our debt owed under chapter XXXX. Will you please advise I can have the chapter XXXX removed from my credit report? ****Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian has repeatedly ignored my requests for them to provide me with the documents that their company has on file that was used to verify the payment history of XXXX accounts that I disputed. This matter has been ongoing for more than 60 days! twice the permitted timeframe and they can not satisfactorily verify the late payments on the accounts in question, as per Section 611 ( 5 ) ( A ) of the FCRA - they must " ... promptly delete all information which can not be verified '' that I have disputed and demanded be validated. Please resolve this matter ASAP. Thank you
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (KS)

" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. 

They have attempted to discuss my debt with relatives and friends. 

They have repeatedly used phone calls to harass myself and those close to me. 

They have not sent a validation notice and refused to do so after I requested XXXX multiple times.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account " Pst " time then it should count
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I do not believe my monthly payments are applied correctly, it seems very inconsistent. Here 's a snap shot of what I mean : Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$4.00} - {$190.00} - {$2.00} - {$200.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$36.00} - {$130.00} - {$19.00} - {$190.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$1.00} - {$200.00} - {$3.00} - {$210.00} XXXX/XXXX/XXXX Payment - {$6.00} - {$190.00} - {$23.00} - {$220.00} Very little or none of my monthly payment is being applied to the principal.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have a private student loan I have done research after research regarding my private student loans. I was even looking into joining the XXXX so I can get help with my private student loans but I Navient that is not options not even doing the XXXX forgiveness program. I am willing to do anything if there is a program that helps with private Navient student loans. I am currently not working and my credit is ruined because of my student loan. Does anyone know of program that can help for private loans everything I read is geared towards federal loans