davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (LA)

On XX/XX/XXXX I called in to first heritage and requested a loan for XXXX. They called me back a few hours later with an approval stating they could pay off XXXX of my other accounts and give me the XXXX. I told them absolutely not I only wanted the XXXX. She agreed to my terms. Fast forward me and my fiance go in to sign the documents. It's all on a very small tablet. No details except our payment amounts are told to us. Using an arrow button the loan officer would say okay now click your signature here. No actual signing was done. Just a couple clicks of a button. Nothing was explained. Nothing was optional. And at the end we didn't get a copy of any contract. Fast forward XXXX weeks later when I call to pay my other loan. I was told it was refinanced. So I speak to the manager tell her my issue she says she can't do anything. It hasn't even been a full 30 days since I called the first time. She gets with her district manager. District manager says she can't do anything because it's out of the month I made the loan in which is XXXX. They only had a few days left to that month and I didnt get a contract so I didnt realize until the end of month was over. I told district manager I wanted someone higher because they have recorded conversations of me NOT AGREEING to anything other than the XXXX. Also an employee of theirs who took my application remembers I didn't want it. She said she would send it to home office. Fast forward to Monday XX/XX/XXXX I finally hear back from my local branch profusely apologized saying there's nothing she can do and it was her mistake. So I told her I'm not dealing with them I will have someone buy out my account. My first note isn't due until XX/XX/XXXX. I call today XX/XX/XXXX for a payoff amount and a copy of my contract to be emailed because the company that is buying my account out is confused as to where all these charges are coming from. I get my contract and notice we had all these optional charges which were not ever offered to us in our contract. But our signatures are there because again it was all electronic. I'm so mad. We will be charged XXXX dollars extra on a XXXX dollar loan. And there isn't anything they can do about it according to them.
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Description of Issue : Loan Information : Original Loan Date : [ Year XXXX ] Loan XXXX BETWEEN XXXX Background : THE AMOUNTS CHANGE ALL THE TIME ANED THE DATES I took out a student loan in XXXX  for my education. Unfortunately, I did not complete my degree and have not obtained a job in the field for which I originally intended to study. 
Despite my attempts to resolve the situation, the loan has been sold to multiple companies over the years. Each time it gets sold, the new company starts the process over, causing significant confusion and difficulty in managing the loan. 
Actions Taken : Initial Dispute : NOTHING FROM THEM Subsequent Sales : the loans were sold to different lender through out the years Recent Communications : filed with cfpb Current Status : Despite my previous disputes and attempts to resolve the loan situation, it remains unresolved, and I am facing ongoing issues with it being sold to new entities. 
Desired Resolution : I seek a clear resolution of this matter, including proper documentation of the loan status, accurate records of payments and disputes, and a fair resolution given the ongoing confusion due to the loan being repeatedly sold. 
15 USC 1681b Permissible Purpose of Consumer Reports This section outlines who can access your credit report and under what circumstances. It requires that anyone who obtains your credit report must have a permissible purpose. 

15 USC 1681c Requirements Relating to Information Contained in Consumer Reports This section specifies what information can and can not be included in your credit report, including the timeframes for how long certain information can remain on your report. 

15 USC 1681e Compliance Procedures This section mandates that credit reporting agencies maintain procedures to ensure the accuracy and integrity of the information contained in consumer reports. 

15 USC 1681i Procedure in Case of Disputed Accuracy This section details the process for disputing inaccuracies on your credit report, including the requirement for credit reporting agencies to investigate disputes. 

15 USC 1681j National Consumer Reporting Agencies This section addresses the responsibilities of national credit reporting agencies to provide you with information about your credit file and the right to receive a free copy of your report under certain conditions. 

15 USC 1681m Requirements on Users of Consumer Reports This section requires users of consumer reports to provide notice when they take adverse action based on information in the report, such as denying credit or employment. 

15 USC 1681n Civil Liability for Willful Noncompliance This section provides for civil liability if a credit reporting agency willfully fails to comply with the requirements of the FCRA. 

15 USC 1681o Civil Liability for Negligent Noncompliance This section provides for civil liability if a credit reporting agency negligently fails to comply with the requirements of the FCRA.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have been with this company XXXX after I was bought out from XXXX. I have called them and also had to tape record them through out the years because of the issues witch I had with Nation star. It always seem to happen around the year of reanalyzing my escrow. I always found out they were over charging me I continually keep watch on my mortgage. On XX/XX/2017 I called I received a letter that my mortgage had went up because my taxes and insurance had went up, I then called the XXXX and my insurance and got it lowered down and I called them they told me my shortage was {$350.00} I then had a three way conference call with the insurance agency she assured them my mortgage insurance went down from {$740.00} to {$560.00} they said they would reanalyze the escrow and it would be lowered before XX/XX/2017 On XX/XX/2017 at XXXX I called a spoke with some lady name XXXX she replied that she was the escrow I asked her to connect me with the escrow department she replied she was the escrow department I told her she was with consumer services what is the problem she ca n't connect me she said she put in to have it checked with the escrow department I then explained to her I had already spoken with someone from the department she told me to hold and kept me on hold for two hours until the phone hung up. I have some recording of some of the communication from the other dates involving the conference calls. I also made them aware I was recording our conversation because of the misunderstanding past the years I 've been through. I 'm just asking that my information be corrected. Before XX/XX/2017 If not I should be refunded back not adjusted this could be avoided if Nation star does what they should.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (IL)

Fay Servicing is the current company that handles my mortgage. The original mortgage company, XXXX XXXX, modified the loan because of my financial hardship. The loan is now conventional with a fixed APR of 2.75 %. However, the term was increased to XXXX more years on top of the XXXX original term making it an unacceptable XXXX mortgage. Besides that, I noticed that from the beginning of the new monthly payments, the portion that goes to the principal is just {$100.00} on a total payment of {$850.00}, now increasing to {$950.00} in XXXX. On the other hand, most of the payment goes to the escrow account ( over {$500.00}. ) Because of that, I requested to have the escrow account taken off the mortgage and pay the property tax and homeowner 's insurance by myself. 
After many attempts to contact Fay Servicing including emails and secure emails on their portal and finally calling on the phone, my request was disregarded and not allowed. 
I am the mortgagee and holder of a loan that is no longer an FHA loan. As such, I have the right to decide who pays for the property tax and insurance, and to have the escrow removed from the loan. However, Fay Servicing is overcharging me and blatantly depriving me of that right.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX47 XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2023, I booked an online reservation at XXXX XXXX in XXXX using my Chase card. A few hours later I received a text message from Chase saying that the charge did not go through and " you will not be charged unless the purchase is attempted again. '' The next day, due to weather and because I got XXXX, I had to cancel my vacation. Given that Chase clearly stated the transaction was declined, I knew I didn't need to call the hotel to " cancel ' since nothing had been charged. 

Several weeks later, my credit card statement showed that I HAD, in fact, been charged. I called the hotel to get a refund since I never stayed there, and they would not refund me. 

But ultimately, Chase is accountable for this : Their text message clearly indicated that the transaction was declined and would not be charged again unless I attempted. Since I did not make a 2nd attempt, why was my card charged? Chase should not have let the hotel charge my card an additional time without my authorization.
Consumer complaint received 2024-05-02
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: AMERICAN EXPRESS COMPANY (DC)

I received an American Express gift card from my place of employment that was purchased on XX/XX/24 in the amount of {$500.00}. The gift card keeps getting declined at several merchants ( online and in-person ). The phone number on the card doesn't reach a live person and I have tried logging into the website on the card ( ) AmexGiftCard.com/Balance ) and it keeps giving me an " Error. Try again in a few minutes '' message. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

Deposited funds to Coinbase with two transaction via ACH from my ban account at chase. 
- first transaction : XXXX XXXXXXXX XXXX COINBASE INC. XXXX XXXX WEB ID : XXXX. debit - {$11000.00} - second transaction : XXXX XXXX COINBASE INC. XXXX XXXX WEB ID : XXXX Misc. debit - {$10000.00} Funds from first transaction supposed to be available on XX/XX/XXXX. Instead, the day before my account was blocked without clear reason why. I received just generic message " For security reasons, your Coinbase account has been locked. '' My account at the moment was confirmed with my photo ID, SSN and selfie. I reached out to their customer support for the further details but got the same generic response. After I asked to send funds back to original account they refused to do that until XX/XX/XXXX. I asked why this specific number? No answer. I suspect funds and my account wont be unlocked on XX/XX/XXXX that is why I'm trying to act early.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/year> and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX  months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX  days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX  years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXXXXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Consumer complaint received 2024-09-01
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Balance XXXX XXXX XXXX Date Opened XXXX Unauthorized inquiries 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX Date opened XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX date opened XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX Date opened XXXX XXXX XXXX {$3700.00} XXXX XXXX Date Opened XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX Date Opened XXXX XXXX XXXX {$1000.00} XXXX XXXX Date Opened XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (FL)

On XXXX I sent a letter requesting validation of the debt owed. As well as the license number and state agency that issued the license as proof agency is a legally able to collect debts. 

The agency did respond and did not provide any proof. They did send a request for bill payment as well as an offer to settle debt. 

The debt collection agency failed to provide proof that verifies the debt as well as proof they are legally able to collect debts.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DreamSpring (GA)

I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I used chase bank ATM paid my credit card bill with {$280.00} dollars on XX/XX/2024. The ATM take my money, but my bill wasnt paid. The ATM just show me It looks like there was a problem completing your payment. Call us at XXXX for personal credit cards or XXXX for business credit cards..So I call they many times to fixed it problem. Few days later I got {$280.00} credit on my account, but today they reversed the money from my credit card account!!
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

I was told by XXXX that Id receive a refund of PSLF payments I made over the 120 required and that the Treasury would send the payment within 90 days. 90 days has well passed. I made 145 according to their payment counts, so I am expecting 25 overpayments to be refunded. I have contacted XXXX many times only to sit on hold for hours and then never get connected with anyone. I do have a letter from XXXX stating my payment counts are XXXX and that it will take up to 90 days for refunds to be processed. I sent a complaint on XX/XX/24 to the US Department of education asking for help and clarification on the status of my refund as I never received a refund and I have not received any response from my attempts at asking about the refund status from XXXX. The Department of Ed seem just as bad at responding as XXXX as I submitted the complaint on XX/XX/XXXX and an automatic email says they will respond in 30 and Ive received nothing. Ive been working in Public Service since XXXX so how Ive always been told Im in a wrong loan to qualify for PSLF but I finally consolidated into the correct program after being told for many years I cant qualify, and after 23 years of working Ive finally received forgiveness when I should have received after 10 years. This has caused undue stress for my whole working life and now I cant get answers on a refund that I very much should receive as I made 145 payments. 
I appreciate any help in getting answers and getting this resolved without any more excuses of Im in a wrong program, you consolidated after all the payments were made, your loan was discharged so you dont qualify etc ( all excuses Im hearing from others whove been seriously mislead by the Department of Education and the servicers.