davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

I've been paying on this loan since XXXX. I have now paid a total PRINCIPAL amount on this loan of {$45000.00}!! The outstanding principal originally was {$23000.00}, and I paid it between XXXX and XXXX, which left an outstanding principal XXXX. I paid it down to XXXX in XXXX of XXXX, only to see the principal magically go back up again after " Interest Capitalization '' to XXXX. I kept paying on the loan and again XXXX was capitalized, even though I continuously paid on this loan in XXXX of XXXX, bringing the balance to XXXX. I have continued to pay on this loan every month and now the balance is XXXX. Yet, I have paid a total Principal, over the life of the loan, that is 3.5 times the outstanding current principal. According to the lender, I still have 10 YEARS to pay the remaining principal of XXXX. Based on the history of my payments and principal already paid, that would amount to just GIVING them an additional XXXX!! From a loan with an original principal of around XXXX, I don't understand how this is correct or not predatory practice to have me pay the loan in full at 3x the original amount issued. Can you help me? I would like to have the remainder forgiven or discharged, since I can prove I have paid 3x the current principal outstanding.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}
Consumer complaint received 2023-12-28
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. (TX)

I have a right to privacy. Transunion and XXXX are in violation of XXXX  XXXX XXXX XXXX { Fraudulent use or possession of Identifying Information } and XXXX  XXXX XXXX XXXX { Exploitation of XXXX, XXXX  Individual, or XXXX Individual } Transunion has published on my consumer report that I owe XXXX  {$3.00} a said amount both TransUnion and XXXX  are in violation of these state statutes. And they are in violation of 15 USC 6802 Obligations with respect to disclosure of personal information. Section b which gives the consumer the right to opt out
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper 's web page does not allow additional payments to be made regularly. In order to make additional principal payments, you need to make your monthly payment. As soon as you make your monthly payment, it updates for the next month payment and then you still can't make additional principal payments because you haven't made your next month payment. I have been making these additional principal payments and this occurs regularly where their website stops the additional principal payments. 

It's a loop and now it's not allowing the additional principal payments to be made - that is not acceptable since early payoff is allowed. I just made XXXX payment and have a current additional principal payment scheduled in XXXX - I would like to schedule the XXXX additional principal payment but it's not available and their calendar only goes 30 days, so you have to reach a certain date to schedule another month payment. You can't do that if you can't they refuse to allow the option to be available. 

In addition to not allowing the paydown of the mortgage principle, the escrow team can not do basic math and get my escrow correct. I've asked, I've called, I've provided them the data and yet they still can't get the math correct. I'm at this point going to wait until XXXX when they realize they can't do math and raise my escrow accordingly. I am not exempt from all the taxes and still owe ~ {$650.00} a year- they included {$0.00} for the taxes. This is the worst mortgage company I wish I never had. I'm trying to pay it off but their site makes it so difficult.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On Tuesday XXXX XXXX I applied online for a second credit card with Capital One. Capital One denied my application which is a negotiable instrument deposit. I have one existing credit card with Capital One which is in perfect standing. I have not missed any payments. I do not have any late payments. Yet Capital One denied me access to new line of credit. That is a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Credit Opportunity Act. It is discrimination. Capital One has refused me to increase my credit limit satisfactory to me and my needs in the open account I already have so I applied for a new credit line. Capital One is also reporting private transactions to third party non affiliates which is a violation of FCRA among other laws. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) Again, this is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Capital One thinks I don't qualify in a " consumer '' credit transaction without being provided a valid reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Capital One considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Information found in Consumer Reports should not be a deciding factor. That is a violation of Federal law. Capital One should also preserve MY original application I submitted XX/XX/24 per record retention LAWS. 1 ) The application was a deposit of a negotiable instrument. 2 ) The deposit was done electronically. 3 ) The instrument contained a Power of Attorney that allows Capital One to open accounts in my name. 4 ) I now demand for Capital One shall provide me proof that the actual instrument was denied/returned, or 5 ) Capital One needs to provide a satisfactory method for stopping the deposit from happening. 6 ) If they can not ( which I am positive Capital One can not ), I demand Capital One open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity. There is information being reported to CRAs that are a result of identity theft and these reports should not be used to determine my character. I will follow up with a certified letter submitting a complaint to the FTC as well.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2023-12-28
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

I received a bill from you on and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

I was told MULTIPLE times by the company that my student loan payments would still count toward PSLF if i paid in deferment so I did not have to do the paperwork. I continued to pay and then was randomly told that this was not true. This is a wildly deceptive practice to keep students in repayment and collect money in a deceptive manner. I have requested copies of my phone calls where this information was stated and never received it. Now I have continuously ( XXXX times ) requested deferment be removed from my account and have not received it. This continues to be an issue and I have NO way of fixing this. I was told I was in deferment, then received a late payment notice, then was told I was not in deferment and then was told I was in a secure message. This is literally insane how communication is being broken down and how hard it is as a student to try and understand how to help ourselves without ANY support from MOHELA.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX - XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I CONTACTED THE COMPANY XXXX XXXX XXXX ON XX/XX/XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XX/XX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XX/XX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2015-08-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CO)

I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I have disputes from XXXX as some of the peoples numbers was wrong and some they was suppose to give me a refund. I want all these XXXX disputed and money returned i have put in the disputes and Im telling the truth
Consumer complaint received 2024-07-24
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: Fidelity National Information Services, Inc. (FNIS) (PA)

hello my name is XXXX XXXX XXXX after reviewing my chexsystems report the following information in my file does not belong to me. These items need to removed from my credit file immediately. I am a victim of identity theft and did not make the charges. Please remove to correct my consumer file. I am unable to verify my identity due to these false information. I reported the theft of my identity to the federal trade commission and enclosed a copy of the FTC report. Please remove as soon as possible. Thank you.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXXXXXX 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 I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2024-08-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC (TX)

I was contacted by National Recovery agency regarding a debt in the amount {$1500.00} that I had no knowledge of. When I asked them to validate the debt they refused to do so by mail, but rather stated it was mine. Once I was informed of the address I told them that was a previous address for my ex spouse. Even though I have informed them this is not my debt, they repeatedly send emails to try to collect. They have now placed in on my credit to add insult to injury.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

Received a {$50.00} gift card from prepaidgidtbalance.com. When I try to register online the website does not work and when I attempt to purchase with the card it is always declined. When I call the number in the back of the card, it does say there is {$50.00} available but I am not able to utilize the money under any circumstances
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: First Technology Federal Credit Union (OR)

I received an alert from a credit monitoring company on XXXX that an account had been closed and asking me to confirm I closed the account. I checked and it said my First tech credit card had been closed. I had not closed the account and thought it must be a mistake because I have a 100 % on time, payment record. I logged into my account and found it had indeed been closed. 
I sent a message to customer service on XXXX inquiring why my account had been closed despite a perfect payment record and significantly reducing my usage of that card. On XXXX I received a scripted response that my account had been closed based on performance or credit score monitoring per my agreement. I sent a reply to the scripted message but have not received a response. 

I attempted to access my agreement but it will not download, though I do not recall a particular score necessary to retain my account, only that my interest rate can be adjusted if my credit score changes. My credit score has reduced a few points due to paying off an unsecured loan and a store credit card closing because the company went out of business though the store card had a small credit limit of {$700.00} and a tiny balance. 
My credit score is not much different than when I opened the First tech credit card, so I was very surprised it was closed considering my 100 % on time payment record. 
Further I had a $ XXXX credit limit with First tech and them closing my account resulted in an immediate XXXX point decrease in my credit score as it significantly reduced my available credit which significantly affected my credit usage percentage. I expect my credit score will be further damaged as a result of their UNFAIR closure of my account, again with a 100 % ON TIME payment record.

I could understand a credit limit reduction or rate change IF my credit score was significantly different from when I opened the account or if I had a late payment but neither of those situations apply to me.