davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (MN)

I reached out to XXXX at the end of XXXX to talk to someone about my payments, because we had some unexpected home repairs that made money extremely tight. I asked to push my monthly payment out a couple weeks to ensure I had received another paycheck before the payment pulled again. XXXX agreed to put me on their Catch Up Plan which we agreed upon payment amounts and dates, to ensure I stay caught up on my loan. I made a payment on XXXX and another payment was/is due to come out on XX/XX/year>. 

I started receiving late notices from XXXX saying I was behind on payment so I called ( sometime during the week of the XXXX, to talk to someone about these, as I was under the impression I was squared away with my Catch Up Plan. I was told that I was behind and that I would need to make a payment before the XXXX, or I would be 30 days past due. I explained to them that this had been approved prior and I wasnt expected to make payment until the XXXX. And then another payment every 22 days after. 

XXXX was unable to adjust or help me in any matter. They apologized that it was amortized wrong and that I needed to at least make a half payment or I would be reported to the credit bureaus. 

I am now being reported past due to the credit bureaus and my XXXX XXXX went from XXXX to XXXX in a matter of days. I have had XXXX other late payments or issues in years. XXXX extremely frustrated and think this is super misleading.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (KS)

I was approved for the XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX until XX/XX/XXXX. It was reported on my credit that I was late in XXXX and XXXX of XXXX. I requested for this to be removed from my credit. It was also reported in their loss draft department that I was behind on my mortgage during the time that I reported a loss. After speaking with customer service reps they gave me a lot of contradictory information and yet still no results. This issue has not only dropped my XXXX XXXX it has caused a delay in receiving my funds for my out of pocket expenses that I paid for all of the repairs. The hold up of these funds has been almost a year and repairs are complete. I have done everything on my end to the point of XXXX 

I would also like to address that during this process my taxes got added to my monthly mortgage payment and it was't like this before the program. I have owned my house for XXXX years and alway paid my taxes independently.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KS)

I was scammed in XXXX. I notified all concerned immediately and stop payments. I have made no less than 20 attempts at contacting sycronicity and resolving this issue. I received nothing in writing from them until I filed a complaint. Now I'm being harassed buy them. 
I filed a police report the day it happened ( XXXX ) and provided sycronicity with the details.
Consumer complaint received 2024-07-28
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. (TX)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct XXXX XXXXXXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct # XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (CA)

I had a loan with XXXX XXXX  and never had an issue. Then XXXX XXXX  sold to SST and they constantly report this incorrectly. The loan is paid off and yet SST reported late. I have disputed with XXXX multiple times. SST has ignored over XXXX emails and have XXXX customer service!! They have a XXXX  rating of XXXX XXXX needs to remove all lates and update this account to paid in full immediately
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-20
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. (TX)

Multiple times I have requested that my name be corrected to match my Texas drivers license as it is my legal name. However, the credit bureaus has ( XXXX, equifax and XXXX ) refused. all three bureau 's maintain inaccurate and unverifiable information with regards to my personal information. The information must be consistent with the Texas drivers license issued to me along with the address listed on my drivers license. This is the only verifiable personal information. These companies have all caused me serious issue in obtaining credit due their illegal reporting practices. I have one name and one address. All other information is not verifiable and required by law to be deleted. Please update my personal information with my name and address. For more information please contact me.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC (CA)

Subject : Complaint Regarding Unfair Loan Practices by BMG LoansAtWork , LLC To Whom It May Concern, I am writing to formally file a complaint against BMG LoansAtWork , LLC for what I believe to be violations of federal consumer protection laws, specifically related to a loan I obtained from them on XX/XX/2022. 

Details of the Loan : - Loan Amount : {$3000.00} - Interest Rate : 35.99 % - Fees Involved : {$49.00} Origination Fee, {$15.00} Dishonored Payment Fee - Account/Loan Number : XXXX Issues and Violations : 1. Excessive and Predatory Interest Rates The loan agreement includes an interest rate of 35.99 %, which I believe is excessive and predatory. This interest rate imposes a severe financial burden and appears to take advantage of consumers in distress. 

2. Unfair and Excessive Fees The loan includes a {$49.00} loan origination fee and a {$15.00} dishonored payment fee. These fees, combined with the high interest rate, significantly increase the total cost of the loan. I believe these fees may be unfair and disproportionate, possibly violating federal consumer protection laws. 

3. Failure to Adequately Disclose Terms Under the Truth-in-Lending Act ( TILA ), lenders are required to clearly disclose all fees, terms, and interest rates. In this case, the lender failed to clearly explain the total cost of the loan, including how the high interest rate and fees would impact my financial situation. This lack of clear disclosure left me unaware of the full implications of the loan. 

4. Misleading Payroll Deduction Authorization The loan agreement contains an automatic payroll deduction authorization. While the document states that this authorization is voluntary and revocable, I was under the impression that it was a mandatory condition for receiving the loan. This raises concerns about coercion and potential violations of wage garnishment regulations. 

Desired Resolution : - I request that this loan be removed from my credit report due to the lenders unfair and predatory practices. 
- I request a thorough investigation into BMG LoansAtWork , LLC for potential violations of federal lending laws. 
- I request that appropriate actions or sanctions be taken against the lender if they are found in violation of federal consumer protection laws. 

Supporting Documentation : I have attached a copy of my loan agreement and related correspondence. I am prepared to provide further documentation or assist with any investigation that results from this complaint. 

I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and take action to ensure that this loan is removed from my credit report due to the predatory lending practices involved. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Attachments : - Copy of loan agreement
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I had an issue with the promotion on this card. I was under the impression i had to spend XXXX  XXXX but it was really XXXX  XXXX. I called on or about XX/XX/year> and was advised by customer service that an extension could be possibly given as i had spent {$4900.00}. However the extension was not given. So then i called again on XX/XX/year> inquiring about that and to close this card. I was told by customer service that if i close the account the annual fee would be prorated. I decided to think about it and called again on XX/XX/year> and spoke to a manager named XXXX. I was advised once again that i could not have got an extension on the promotion. I asked to close my account and was told that the annual fee would not be prorated when 2 other customer service reps told me otherwise. I asked for XXXX 's XXXX  but he would not provide me that info or any other corporate info to file a complaint. I had to look it up myself online to find the info. I feel like Chase is not acting in good faith and also deceptive trade practices. Thank you.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (OR)

In an attempt to get a {$5200.00} loan, I was told 24 hours for a decision. After 72 hours I tried to cancel the loan. When I asked to speak with a supervisor, none were available. I sent an email to cancel my loan request, and asked for a prompt response, since they are open 7 days a week. Again, I waited. Then today, after 96 hours, I tried to call to verify my email had been received. 3 times, the call instantly hung up. The one time I got through to XXXX at XXXX XXXX, I told her my issue, and she hung up. 

I cant allow myself, or another person, in good conscience to be accountable to a company who acts in this fashion. What if this was me trying to make a payment at the last moment before extra interest is accrued? 

I, thankfully, havent gotten a loan approval still, and will cancel immediately, if I do. This has been a nightmare process, since I dont like giving my financial information to anyone. I have already changed all my passwords, and denied them access to my accounts. 

Please refer me to any other steps I should take, since the agents are obviously not American, and I am stressed about who they may sell my information to. 

Thank you, XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously, although each credit bureau has not been doing what I am requesting. These fraudulent accounts are NOT MINE!!!
Consumer complaint received 2024-08-18
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: ALLY FINANCIAL INC. (NC)

I have a new auto loan with Ally financial. Upon attempting to make my first payment which was due XX/XX/XXXX, I was informed that I can not pay online because I have a mortgage with the company, and because of that, their systems do not allow me to pay online. I am reporting Ally Financial, firstly, because they fraudulently opened a mortgage account in my name using the home I purchased in XXXX of XXXX. I XXXX have requested their rates when I was shopping with XXXX for mortgage loans in XXXX ; however, I NEVER opened an account with Ally prior to initiating this car loan with them in XXXX. Further this should not prevent me from being able to pay my car note. I have called Ally Financial 7 times in a span of a week. Each time, I have been passed off to personnel who refuse to help me. I have resorted to calling to make my first car loan payment, which results in me having to pay an additional {$4.00} processing fee. Their employees state that I will continue to have to pay this way or through money order until Ally decides to resolve this. I appreciate any help I can have on this matter.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

This debt collection agency have been trying to attempt to collect debt for information I have no knowledge about, I have attempted to reach out with information supporting my identity theft situation once again no one has done anything to fix this issue and its stuck on my credit report for something. I have no knowledge about or something that I am not responsible for.
Consumer complaint received 2024-09-28
Product: Credit card — Store credit 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: Klarna AB (SC)

I have tried contact the XXXX store on several occasion to resolve issue and to return the item back. They don't have live agent to speak to regarding your concern. Their main communication is through chat. It takes a chat agent long time to respond. You can be waiting for hours just to have someone respond. 

I contact the Klarna on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX online store. I contact this online chat agents XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX agents delete my communication that I had in XXXX with them. 

Klarna has not turned me over to a collection agency for XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, KS XXXX total debt XXXX. 

This debt should not have been there if the XXXX would accepted the item back. I contacted them in a timely manner.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I purchased this vehicle in XXXX. It has NOT been reported correctly since opening the loan. It shows XXXX incorrect entries on my report over the last XXXX years ( either showing no payment, 30 days late, 60 days, 90 days or 120 days and now it shows I have not made a payment since XX/XX/XXXX, but I have never even been 30 days late. I have tried for 12 months to get this corrected. I have filed disputes and the company does not respond within 30 days, so the account just gets removed from my report, but it is still affecting my score. I want the account to show on my credit and be reported correctly. I have spread sheets and cashed checks for every payment ever made, which I will supply. 

I have XXXX and have to have a life saving XXXX which is almost {$200000.00}. My co pay if {$43000.00}. I have been prevented from getting this loan and my XXXX for almost a year due to this incorrect reporting. I have done everything I can to get it fixed and I have supplied the company with the creditor assistance number they need to call for XXXX and Transunion ( they say they don't report to XXXX ) but they are refusing to call, stating they can't stay on hold that long. 

I am hoping you can help me get this fixed so I can get the XXXX I need to save my life. 

I am supplying a picture of how they have reported me, a picture of my payment stub reflecting my due date and spreadsheets with my payment dates and check numbers. I can also supply all cashed checks if necessary.
Consumer complaint received 2024-07-10
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. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - UNITED STATES XXXX O Incorrect DOB : - XXXX Employer - OTHER Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXX Listed below are XXXX Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!