davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IA)

I received XXXX check from the insurance company to fix damage to roof. 
I contacted freedom mortgage to see what items I needed to send along with check. 
I spoke with XXXX XXXX. he instructed me to Not endorse the check. but to mail it in with XXXX items that he emailed to me. 
these were affidavit estimate 3rd party authorization the last was to allow my fiance to speak with representatives.

I filled out this information and followed the instructions mailing it to the company on XX/XX/XXXX, XXXX it was received on XX/XX/XXXX, XXXX yet wasn't entered into the system until XX/XX/XXXX. 
I finally contacted the company on XXXX XXXX the representative kept putting me on hold and finally told me that the individuals he kept talking to had stopped answering the phone. he told me that someone ( he did not know who ) decided that my insurance claim needed monitored. trying to claim i was behind on my payments by XXXX. which was a baltant lie. he said that he would find answers the next XXXX  and call me with information. I heard nothing. 
so, on XX/XX/XXXX, I called company again and that representative gave me a phone number, XXXX in case I was not connected. 
I called and it was loss mitigation for a separate company that hadn't heard of freedom mortgage. they were XXXX XXXX XXXX. a debt collector. 
this was not the XXXX time I have had issue with them. in XXXX I submitted a pmt deferment with freedom mortgage, sending every piece of information from a requested packet to the company. I heard nothing in return. when I tried calling them nobody could find answers. this was during XXXX when I was struggling to work full-time. I missed very few days but was behind from being off after XXXX XXXX. to this day, I still have not received any form of explanation from the company.

if rates were low enough, I would finance elsewhere. but my rate is 3.125 %. I would never be able to get closer with a refi than 7 % now.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (UT)

Goodleap is run by crooks. I assumed a solar panel loan as outlined in a sale of a home. I filled out the forms to assume the loan yet they dragged their feet during the processing of it and in the meantime sent the loan to collections. Both myself and the previous owner had our credit scores dinged for their gross incompetence. Im looking to refi my loan on a different home and have a lower credit score because of these imbeciles.

Either they remove the ding from credit score or I plan to pursue legal action against goodleap. It would be my recommendation to the CFPB to investigate them for other malfeasances, as the company is clearly poorly run.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I sent an email to XXXX XXXX XXXX to request the XXXX XXXX XXXX for private loans. They responded that my loan type does not qualify. I called the customer service number and was informed that because my private loans are consolidated, they would not qualify for discharge. 

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX from XXXX. Since that time, the school has closed and has been accused of a myriad of recruiting and lending misconduct. I am currently in process for having the federal loans associated with this school discharged and have been informed that I have been approved for this action. Additionally, Navient has settled a lawsuit with private loan borrowers for this same school discharging private loans due to shady sub prime lending practices. Borrowers with loans in default were granted the discharge, but borrowers like myself that have tried to do the right thing were not included. 

I have been in default multiple times over the past XXXX years and was steered into high interest XXXX. At the time of the lawsuit, my loan was current. In XXXX I was in default for XXXX months, and again in XXXX was in default for XXXX months. 

My current balance is {$73000.00} on these private loans and the original loan amount when consolidated was {$72000.00}. I've been in repayment since XXXX and have paid a total of {$84000.00}. I've done my best to manage these loans over the years, but after XXXX years in repayment I owe more than I originally borrowed after paying more than the original loan amount. Something is definitely wrong.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVER - XXXX  :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my REGIONXXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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

der 15 USC 1681. The letters are stated with items and issues. 

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

In XXXX '23, I called XXXX XXXX XXXX from Barclay 's to report my card ( ending XXXX ) lost/stolen, and also asked to close the account. I was not aware of any outstanding charges. 
On or about XXXX, I received a bill from the closed account for {$22.00} for charges which were made after I reported the card stolen. I called and was told to dispute the charges, which I did. Around XX/XX/XXXX I received a letter saying the charges were valid because the chip was used. I called XXXX XXXX Cust. service again and reiterated that the card was not in my possession at that time and I had reported it stolen. 
Nevertheless, I continued to get bills with late fees and interest charges and called again on XX/XX/XXXX for over an hour with an agent and supervisor. After much review, I was told I was incorrectly told to file a dispute for the charges and should have filed that they were fraudulent. At the end of this phone call, I was assured that everything was taken care of, the charges were now listed as fraud, and there would be no further problems with the account ( which had now been closed for closed for 6 months ). I was also advised to write the credit bureau and explain due to my concerns about the impact this outstanding charge was having on my credit rating ( normally @ XXXX ), which I did. 
Today, I have had to call Barclay 's XXXX XXXX XXXX. Service again because I received yet another bill with the charges and late fees/interest. I was on the phone for another XXXX hours and no one seemed to know how to deal with it. 
This has been the most frustrating waste of time and the worst problem I had ever had with a credit card company. The level of incompetence, the waste of my time, and the impact on my credit rating is unconscionable. 
Please help. 
Also, I want to make sure that this issue is investigated so others do not have to go through this horrible experience. Consumers deserve better.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

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 2024-06-06
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)

My loans are on XXXX which ends in XXXX of this year. I have been getting calls and emails about my account being delinquent and they have also been calling my XXXX! This is COMPLETELY UNACCEPTABLE!!!!! My account is on XXXX and collections calls are XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-06
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: DISCOVER BANK (TX)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XXXX Consumer Affairs : Hoping you can assist in resolving a booking issue. 
I booked a room through the XXXX web site at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX. Confirmation number XXXX received a confirmation email from ( I thought ) XXXX with the details. Plans changed and I cancelled the reservation shortly afterwards. 
After not seeing a credit for {$1100.00} on my credit card I called XXXX at which time I was told the reservation was non-refundable and made through XXXX. As there was no indication of any third party on any XXXX site or email I received I was quite surprised. 
XXXX personnel informed me I had to deal with XXXX to discuss a refund. ( Shame on me for not seeing, understanding the non-refundable small print. ) I have since contacted XXXX on the number provided by XXXX ( XXXX ). They do not have a listing of any booking. I also contacted my credit card company who gave me another number ( XXXX ) to contact but recordings on that number only give choices to book hotels. Another number ( XXXX ) appears on an email ( assumed was from XXXX ) but this number appears to be associated with XXXX. 
As I feel I have been grossly misled by the XXXX web site and XXXX personnel have not provided me with a contact with whomever I can/should speak with I'm hoping you can best advise whom to get in contact with to discuss a refund or perhaps a credit for the above charge. 
Latest status : XXXX unable to assist as booking was via a third party. 
Chase has replied that can not assist per their policy with XXXX. 
Also put in a complaint with XXXX ( Case Number Reference : # XXXX ... .Thank you for contacting Customer XXXX XXXX A service XXXX has been assigned and will follow up with you as quickly as possible, pending research to your inquiry. ) and no one has followed up with me.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.