davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Unexpected fees — 
Company: Tri-Emerald Financial Group, Inc. (WA)

After several attempts to receive a refund after my card account Was double charged close to {$700.00} worth of double charges on each occasion, it is clear that the money was debited however the ATM declined my transaction. I have been in great communication immediately as I noticed the charges were doubled and spoke with XXXX XXXX XXXX  XXXX. Sent them in all required documentation regarding the fact that the ATM declined the transaction yet still debited the amount from my account causing me to attempt to try again, knowing the money is in my account, and then it dispersing the money. The second time Ive sent proof of all receipts showing XXXX dollars for disbursed. Meanwhile, the amount was debited twice from my account. I will attach documentation to prove this.
Consumer complaint received 2024-07-28
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: Charlottesville Bureau of Credits, Inc (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Education Principle Foundation (SC)

I took out multiple loans for culinary school. Recently the federal government repaid my federal loans as they used predatory practices to obtain the loans. I asked for paperwork to discharge my personal loans. On the basis of school misconduct. They wont send me the paperwork.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mobiloans, LLC (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Hans Capital Group dba H&L Automotive Financial Services (NV)

HANS CAPITAL GROUP have not reported my payment history in a whole year, the last update was XXXX of XXXX its currently XXXX of XXXX its slowing I have a outstanding balance of XXXX I have tried reaching out to them on multiple occasion but none of there numbers associated with that company works. 

My current balance as of today ( XX/XX/XXXX ) is XXXX according to XXXX XXXX XXXX base out of Texas. 
you can reach them @ XXXX email : XXXX my very first payment with was XXXX XXXX with amount of XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwestern Mediation Services (LA)

On XX/XX/year>, I was left a voicemail by XXXX XXXX of Northwestern Mediation Services claiming a complaint was filed in his office, and if I didnt respond by XXXX eastern time, his clients will have the right to move forward and send out notification which may require me to appear. He has also called my mother looking for me.
Consumer complaint received 2024-07-11
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. (VA)

In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> MobiLoans , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MobiLoans, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Northwestern Mediation Services (RI)

I keep receiving calls from Northwestern Mediation saying that if I do not pay the company is going to sue me They were asking for a payment arrangement over the phone and sent me an edocument to sign which I haven't. I can not find this company online and they are calling from XXXX The company they claim to be representing is XXXX XXXX XXXX. The person 's name who is calling is XXXX XXXX
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Penrith Home Loans LLC (WA)

Bringing back the pre-payment penalty to homeowners seeking conventional long-term home loans : My sincere opinion on this subject seems fair and reasonable. It takes much time, talent and work to pull together successfully a home loan for any borrower. As a loan officer connected with a company for 24+ years and enduring much change in the lending world of consumer protection guidelines, it think that when a consumer chooses to pay off a long term mortgage loan inside of 6 months from the closing date, the consumer should be required to pay a pre-payment penalty that would equate to the costs and penalties equal to what lenders and loan officers currently are required to pay or pay back on an early payoff. The loan officer is a consumer too and works hard for their income in ever changing economic conditions. It seems only fair that the home owner should be held responsible for the costs incurred in an early payoff of a long-term conventional home loan. For that purpose, I propose that a 6 months pre-payment penalty should be brought back to the lending industry on Conventional home loans in disclosure regulations.

I don't feel it fair to charge the loan officer and the company they represent for the early payoff costs when they sincerely help the home buyer with their goals of financing the purchase of their homes in a timely manner. A minimum Prepayment penalty can be there to bring knowledge to consumers that there is a Serious cost to providing a long-term home loan to consumers. Getting a home loan is Not Free. Lenders/Loan officers should not have to feel like their livelihood is in jeopardy when a consumer decides to pay off their mortgage inside of 6 months. We shouldn't be tasked to work for free. What professional industry is regulatorily tasked with paying back fairly earned income? Change the regulations.
Consumer complaint received 2024-05-21
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: EdFinancial Services (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-27
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Northstar Legal Group LLC (MN)

In XXXX of XXXX  I signed up to the company that goes by the name Northstar Legal Group which claimed to settle debts. The idea was to consolidate outstanding loans and make it one payment. They gave me strict instructions to NOT talk to the credit card companies or any of the places I had a debt with. They instructed me to ignore the phone calls or any threatening letters I may get from the people I owe money to. They instructed me to STOP all payments to any of the companies I owe money to. Ive paid them {$370.00} every month since XX/XX/year> and to date Northstar Legal Group have done absolutely nothing to pay any of my debts. They keep collecting money on a monthly basis with little to no communication about any debt relief. Ive only gotten BAD credit with creditors even though Northstar Legal Group assured me my credit would be very good if I let them deal with the creditors which they said typically is about 6 months. Its been over a year and I can only imagine the people who Ive now ignored for over a year at the behest of Northstar Legal Group will be sending me dates for me to appear in court.
Consumer complaint received 2024-05-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC (AZ)

This company texted me out of nowhere on XX/XX/2024, at XXXX XXXX MST, stating that my account has been listed as a refusal and that documentation will be sent to my home and employer 's addresses. They sent the text from XXXX. 

I called the number immediately and spoke to XXXX XXXX, who said he was from XXXX XXXX XXXX. He said that they would request a judgment against me and send it to my home address and my employer 's address, so I told him I was happy to resolve any debt but needed to verify it and asked him to please send me a letter of verification. He had my old home address, birth date, and social security number, which is concerning, considering he could not verify for me which company he is from. 

What he sent me was incomplete ; it didn't have a company website or physical address, and two different companies were listed in the letter he sent. He emailed it to me from : XXXX. When I asked him where I could make online payments, he directed me to an entirely different website : XXXX XXXX XXXX. 

When I replied by email to ask him to verify his company name, website address, and physical address, he did not respond. I then called the original creditor, Loanme, who said they could not locate my information in their system by social security number, name, phone number, or address. 

I then called XXXX again at the phone number on his letter : XXXX XXXX, and asked him to please provide me with his full company name, company website, and the physical address for his company so I can verify the legitimacy of his company. He then refused to provide me with the information and argued with me, stating that they could just get a judgment against me if I didn't want to pay. I advised I am glad to resolve what debt I may truly owe, but I need to know who I am sending money to before I provide any information. I asked him multiple times for the information, and he just hung up on me. I replied to his email and notified him that I would report them to CFPB. 

I want to ensure that if there is any debt that I owe, I am able to verify the company collecting it from me before I hand over any financial information or make payment arrangements. I need the debt verified. I also want to ensure that this company, if not legitimate, does not contact my employer.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (TX)

In XX/XX/XXXX, I was checking my balance on the MC card ( No. XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ), and asking about any special offers. I was told be banks representative that one special offer entailed making a purchase over {$500.00}, which I could pay back without incurring interest within 12 months ( or, by XX/XX/XXXX ). With this information, I made a large purchase at the end of XX/XX/XXXX. I would not have made the purchase otherwise. 
First two statements after the purchase showed no interest. I called again in XX/XX/XXXXto confirm that the offer was indeed real and correct. I spoke with a male representative, who checked with the supervisor and confirmed my understanding of the offer ( i.e., no interest until XX/XX/XXXX). 
When the next statement came, however, it showed an interest charge of {$380.00} ( or, 18.24 % ).  This was unexpected. Fearing that an error was made, I called again, but this time I was told that there was no special offer! 
So after two phone calls telling me there was a special offer I suddenly got news that there was no offer. ( It should be noted that at the end of XX/XX/XXXX, there was change regarding XXXX MC initiated by the bank. ) I am repeating that I would not have made this purchase if not for the offer information I was given by a banks representative in XX/XX/XXXX. The bank recorded the phone calls, so they should have those available as proof.
Consumer complaint received 2024-07-10
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. (IN)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (MA)

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( XXXX ), Account disputed by consumer ( XXXX ), Account disputed ( Equifax XXXX Creditor Type : Other Collection Agencies Account Status : Open ( XXXX XXXX, Closed ( XXXX and Equifax ) Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( XXXX ), XXXX disputed account - reported by subscriber ( XXXX ), Consumer disputes this account information ( Equifax ) Original Creditor : XXXXXXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on XXXX but closed on XXXX and Equifax. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete. 

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA. 

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.