davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (AZ)

XXXX Sent email to XXXX XXXX XXXX advising that we received notice that our personal info had been breached and requested that they put a Passcode on our mortgage account. 
XXXX Received confirmation email and that they would process my request as soon as possible. 
XXXX Sent a follow up email to XXXXXXXX XXXX XXXXXXXX to see if the Passcode had been setup yet or if they were still working on it. 
XXXX Received confirmation email that they received the XXXX email and that they would process my request as soon as possible. 
XXXX I contacted my XXXX XXXXXXXX XXXX  representative for assistance in seeing if the Passcode had been attached to our mortgage account. 
XXXX XXXX XXXXXXXX XXXX  emailed the mortgage service group to advise that I requested a Passcode be assigned to our account due to the identity breach. 
BMO mortgaging sent me XXXX letters, dated XXXX and XXXX, confirming receipt of my inquiry and that they are reviewing our account. The letter also stated that they would make every effort to provide a response to the inquiry as promptly as possible and within the time limit required by law. 
XXXX My XXXX XXXXXXXX XXXX  rep advised that she finally heard back from the mortgage team regarding adding a Passcode to our account. XXXX XXXX, of XXXX XXXX XXXXXXXX, told her that to add a security password to the loan they would need a request signed by all parties on the loan. 
XXXX I secure emailed the required form to our XXXX XXXX  representative for forwarding to XXXX XXXX and his team. 
XXXX I sent a follow up email to XXXX employees of the mortgage servicing area asking for a status of my request given that my request for a passcode was initiated XXXX weeks ago. 
XXXX I forwarded my XXXX -- XXXX email to the same recipients and asked if I could get an update before they left for the weekend. 
XXXX My XXXX XXXXXXXX XXXX representative sent an email advising that the last email she received from the mortgaging servicing group was on XXXX and said that the request had been received and was being processed. The XXXX XXXXXXXX XXXX rep sent an email to XXXX XXXX to see if he had an update. 
XXXX I called the XXXX line that is listed on the XXXX and XXXX letters. After XXXX minutes on the phone with a mortgage service rep and a supervisor, I was told that there are work orders dated XXXX and XXXX, which expire on XX/XX/XXXX. I was told that I should give them XXXX days to respond to the email the rep sent to the Research Department . The rep confirmed that she copied XXXX XXXX on said email. I then asked to speak to a supervisor. I spoke to XXXX, whose initials are XXXX. He would not provide me his last name. XXXX advised that they have to send the CFPB the request for a passcode for our mortgage account and that the CFPB must clear the request. XXXX then stated that the Passcode will be assigned to our mortgage account by XX/XX/XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-08-07
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-07
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Halsted Financial Services, LLC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX  listed Halsted financial services LLC and upon my call the lady there at XXXX XXXX confirmed that There are XXXX of Government benefits of yours sitting XXXX XXXX XXXX XXXX and she then hung up in my face. I called XXXX XXXX XXXX and the guy said we don't get involve with social security benefits. Then I called XXXX XXXX XXXX XXXX XXXX and spoke directly with XXXX XXXX XXXX and she lied no benefits of yours are here.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (FL)

In XX/XX/year>, we moved to a new home and my cell phone would not work properly nor would our internet. When the company came out, they were not able to fix the problem or increase our internet speed which I need for our business. so XXXX XXXX XXXX recommended us getting another company. so we switched companies. I was sent a envelope to send back my phone, which I did. We paid our final bill and They received it and we moved on. Then I started getting phone calls from XXXX XXXX XXXX about my service contract which had to be paid. After hours literally almost XXXX hours of calls It was escalated to the Presidents office where I was told that it was not to do with my phone bill but the contract I signed when receiving the phone. I asked for a copy multiple times and never received XXXXne. I had paid for the phone which was sent back, so I asked for a refund for the phone, which I never received. After more hours talking to the executive team, no one was willing to review the case, all they wanted was {$540.00} for remainder of this contract. If they had been able to provide the services I needed I would not have switched companies. Then the phone calls started threating me, they called every day at XXXXXXXX XXXX XXXX XXXX XXXX for over a year. This was severe harassment. I own XXXX companies and would never treat a customer the way i was treated, now they turned me over to a Collection Bureau, which is Sunrise Credit Services. I tried to call and the person who answered had a XXXX  XXXX XXXX  and I could barely understand, her name was XXXX XXXX. She told me what was owed and would not connect me to a supervisor ar send me anything. She just keep saying I XXXX  this money.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX  has a {$380.00} account that just appeared as a delinquent account under my name. They reported the account as being established in XXXX. I opened no accounts due to poor credit score that year. I disputed this account as not mine. I had only 2 accounts delinquent that are mine but I have no knowledge of this account. They said delinquent since XXXX. My concern is if delinquent since XXXX, why did it just appear on my credit reports? I only had 2 accounts as delinquent and in collections. Also, why can accounts in collections be sold to different collection companies to keep them open for collections? They should have been seen as not collectable and removed from delinquent accounts. My ex husband moved out of the country and left these accounts for me to deal with. I tried to continue making the payments but am on fixed income ( retired ) could not keep up the payments since XXXX. Should have been seen as not collectable. Check the 3 credit bureaus and that account was not in my delinquent accounts till just recently.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

I filed a complaint that I did not believe the AD loan was being calculated correctly. I received a response on how the interest is calculated. I've followed the methodology and my monthly payment does not result with my monthly payment on My Loan Summary on Nelnet. I've attached a simple XXXX XXXX  on how the complaint response stated to calculate the interest. I called XXXX this morning and the representative on the phone was coming to the same interest calculation I have in XXXX XXXX XXXX  She also filed a complaint on my behalf.
Consumer complaint received 2024-07-10
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (VA)

On Monday, XX/XX/year>, I received a text addressing me by the name of someone else, regarding a past due collections account with XXXX as the original creditor and the debt collection company contacting me was Diversified Adjustment Service , Inc . The name they used to address my in the text was not my name, but I have a sister by that name they used. I asked my sister about it and she said she has no idea how they got my phone number. Worried that they might have more than my phone number linked to this debt account, I called them on XX/XX/scrub>XXXX XXXX XXXX XXXX They asked my name and I gave them my name and stated that I received a text addressed to a different name and that is not my name. They said do you know that person, I said, " yes it is my sister I assume ( since there was no last name in the text ), but I need to make sure my personal information is not linked to this debt account. '' Ignoring my concern, they replied asking if I knew her phone number. I said, Yes, I do, however, I need to make sure my personal information is not linked to this debt account. '' They replied with, " Your phone number has been removed from this account. '' And hung up. At XXXXXXXX XXXX that same day, I called again, explained the situation and stated again that I wanted to ensure my personal information was not linked to the debt account they have. They replied again with, " Your phone number has been removed from this account. '' and hung up. At this point, they are not willing to assist me, so I am filing this complaint to see if we can confirm that the debt/collections account they have is not fraud by confirming my social and date of birth and mailing address is not listed on the collection account that they had my phone number linked to. If you could assist me with verifying this with the collections company, I would greatly appreciate it and in hopes that this company does not treat other consumers in the future with the same lack of empathy and lack of respect.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC (FL)

There is a history of reps of this company telling me one thing, only to find out something different. 

I contacted this organization on XX/XX/XXXX while still going thru the remnants of Category 3 Hurricane Milton and asked for Hurricane assistance. On 2 seperate phone calls, I was assured I was receiving this assistance, Then, when I called back on XX/XX/XXXX due to a monthly payment still showing for both cards, the overseas reps whom are never professional courteous or helpful ( also has been previously advised to company in documented complaints ) told me '' oh u on hardship so you dont qualify '' I don ; 't appreciate being continously lied to by the reps of this organization and the non existent management that never seems to want to take an escalation call.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 2024-10-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC (OH)

We were told from the beginning that the first payment after we refinanced would be due on XX/XX/year>. Now that we can access our loan on line it shows the first payment being due on XX/XX/year>. The only reason we waited to close on the loan is to not have to pay XXXX and XXXX payment and start the first payment on XX/XX/year>. We intended to use that money to pay down our credit card debt. That was the entire reason for refinancing. Rocket mortgage has been very unreasonable with request per our loan XXXX XXXX XXXX. This is awful that a company can do this. There is not reason at all for them to not be able to adjust this to the first payment being XX/XX/year>.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Companies, Inc. (IL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I have no Knowledge of this transaction XXXX my phone was stolen and its been over 10 days for the investigation which should of been 4 days under the FCRA im demanding my funds to be reimbursed {$4900.00}
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

I reached out to Synchrony Bank regarding a XXXX XXXX store credit transaction after getting hit with a very large, and unexpected interest bill. I was told that my promotional rate had ended, therefore I was being charged back interest all the way to the account opening. This account opened with a balance of {$2500.00} in XX/XX/XXXX, and the promotional period ended in XXXX XXXX, when my balance at that time was only {$990.00}. When I learned of this crazy interest bill, I immediately took action and offered to pay Synchrony the full {$990.00} at that moment, to which they declined. I then asked an Attorney to submit them a letter in hopes that would help, but it did not. 

They are now trying to collect {$1500.00} in back interest and my statement is showing a balance of {$2500.00}, which is almost the exact same amount as when it started in XXXX XXXX. Do I have any rights or any way to dispute this? I've tried everything I know and I don't want to ruin my credit. I'm happy to pay for my purchase, but these interest rates are extremely excessive and in my opinion should even been illegal. 

I am asking for any guidance that you can offer, and I will gladly send over all documentation that I have received so far, if needed. Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and XXXX!!!!
Consumer complaint received 2024-10-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (IL)

I applied for an apartment at XXXX XXXX properties in XXXX, Illinois in XXXX and paid an administrative fee of {$270.00} on XX/XX/XXXX and another {$270.00} on XX/XX/XXXX. 

I paid over {$550.00} collectively in " fees '' to be told we were pre-approved and would have a move in date shortly. After not receiving any communications for over XXXX XXXX  we reached out to XXXX XXXX just to be told we actually didn't have the apartment and none of the fees were refundable. 

On XX/XX/XXXX I received a collection alert on my credit report for {$270.00} and my credit score dropping over XXXX points. 

The collection company informed me this notice was placed on my credit report citing I didn't pay an administrative fee which is totally incorrect. I contacted the company and provided all email snapshots and receipts and I they refuse to correct their mistake.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

As a visiting XXXX, I have arrived in the United States on XX/XX/XXXX. Now I have legal status in the United States.On XX/XX/XXXX, I apply for a debit card of citi bank as my salary card. Citi bank locked my debit card from XX/XX/XXXX until now. I can't use this debit card for any payment. I urgently need to pay the rent now. 
This afternoon, I went to Citi bank ask for help. The staff told me only make phone call to solve this problem. From XXXX, I made several calls. They said I should provide verification information.I told them my US mobile phone number. They said this number is invalid.But the XXXX mobile phone number can not be reached. XXXX phone number was used when I create account. When I got a US mobile phone number, The bank staff updated my contact information. So there are two phone numbers registration. At last, they said that I can not provide valid verification information, I ask valid verification information refers to which, why US mobile phone number is invalid.They don't answerOnly repeat I should provide valid verification information.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I am a member of the XXXX vs. XXXX XXXX XXXX class action lawsuit. My Borrower Defense application for discharge was approved by the Dept. of Education, and I am part of " Decision Group 2. '' Under the terms of the settlement, I am owed a refund for all payments made towards my eligible loans as well as a full discharge ( {$0.00} balance, removal of loans from credit reports ). 

This has not been completed and Nelnet refuses to give me the information about when it will be complete. 

According to my records, I am owed $ XXXX. My loan balance still shows {$2000.00} and is accruing interest. My credit report still shows the full loans active. 

I would like to know when this will be resolved as Nelnet is already in violation of the settlement for delaying the relief. I would also like an accurate quote for my refund amount and when I will receive it. 

This has been mandated by the court to be completed and Nelnet refuses to provide accurate information.