davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank continues to advertise an offer for {$0.00} plan fees for first time use of their " My Chase Plan '' in their application on XXXX. Upon attempting to redeem, it is consistently not honoring the fee reduction and forcing a fee. There are no other attached requirements other than an " eligible purchase '' which mine shows up as one. 

I have contacted them for over 4 weeks now, with no resolve causing me to either front the money to pay off the charge at once, pay the associated ~ {$800.00} fee or let it alter my credit score for the negative.
Consumer complaint received 2023-06-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My TransUnion credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on TransUnion, but its also on my XXXX credit file. This is not right.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXXXXXX XXXX XXXXXXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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. (AZ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (CA)

Subject : Car Title Loan RE : XXXX XXXX XXXX On or about XX/XX/XXXX, I refinanced my previous car loan title at Wilshire Consumer Credit of {$7600.00} at he rate of XXXX per year. I missed the XX/XX/XXXX payment. On or XX/XX/XXXX, I made payment of {$360.00} through XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, WCC repossessed my car. On or about XX/XX/XXXX I paid WCC {$1200.00} to recover my car. On or about XX/XX/XXXX, I requested a payoff from WCC. On or about XX/XX/XXXX, I received a payoff letter form WCC of my car in the amount of {$7100.00} that will expire on XX/XX/XXXX. On or about XX/XX/XXXX, WCC posted my payment of {$360.00}. On or about XX/XX/XXXX, WCC posted the check of {$7100.00}, received XXXX XXXX XXXX XXXX. For several phone calls to WCC and asked to return my overpayment no less than {$360.00}. I was told by several WCC personnel nothing to be return or refunded to me and I still have balance XXXX {$95.00}. 
WCC management refused and denied my overpayment.
Consumer complaint received 2024-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION (NJ)

I received a notice from Truist 's attorneys XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 requesting an amount to reinstate the loan and that after XX/XX/2023 I would require a new request letter. Subsequently a notification was sent to my tenant advising that Truist had filed a foreclosure action against me. I have not received a foreclosure complaint as of XX/XX/XXXX. I have also received multiple advertisement letters from foreclosure attorneys regarding the complaint.
Consumer complaint received 2023-05-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute with TransUnion regarding several extra XXXX XXXX accounts thats reporting on me credit and I requested Verifiable Proof ( an original Consumer Contract with my Signature on it ) and method of verification and they failed to provide me with these things.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I noticed I have SEVERAL addresses listed on my account. I should only have XXXX address on my account. Please assist me with this so that my credit report is a reflection of MY credit report and no one elses. Thank you for your help.
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MD)

We are having issues with our auto lender, Consumer Portfolio Services. I signed a finance contract in XXXX which told me how many payments and what the finance charges would be, I am about 18 months from the maturity date of my loan. Looking back at the payments as the lender has applied them, there have been signficant time periods when they have applied the entire monthly payment to the interest and not the principal. For instance, the original amount financed was {$19000.00}. Because of my credit, the interest rate was 23.45 % and the finance charges were supposed to be {$16000.00}, for total payments of {$35000.00}. Looking at my payment history, I have paid {$21000.00} in interest payments and only {$3800.00} towards the principal. The term of the loan was for 66 months at the rate of {$540.00} per month. There have been months when I have been late and I have added 2 payments to the back end of the loan because of hardship reasons. However, at this point, even if CPS were to apply all my future payments now towards the principal and nothing towards the interest, it would take over 29 months to pay on the loan. The maturity date is supposed to be XX/XX/XXXX. The terms of the contract, which state far after the Federal Truth-In-Lending Disclosures that the lender can apply whatever portion of my payment to principal vs. interest that the lender wants at their sole discretion. 



I do not understand how this works and how I will ever have this loan paid in full when I can not tell from the payments how they apply principal v. interest. When I have asked CPS about how it can make it so that I make payments for an additional year after the maturity date and ask them to explain how they are not always applying the payment towards the principal, they are non-responsive. 



Is there a resource that I can turn to, other than the lender that I now do not trust, to better understand the terms of this horrible loan?
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I noticed my card was fraudulently being used and immediately reported the fraudulent charges. The Navy Federal Credit Union representative filed the claim ( which was approved and found to be fraudulent ) but she only reported one transaction although there were multiple transactions from the same merchant. Once I realized the representative made an error I contacted Navy Federal and advised them that the representative didnt include all of the fraud charges, so the bank had to create another claim that they denied. The initial claim was approved and found that I was a victim of fraud but the rep only added one item when there were about 9 items that I initially disputed. I appealed the decision and waited over a month and was denied again. Im the victim of fraud that is now being victimized by the bank
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

I moved from XXXX XXXX XXXX  at the end of XXXX. When I updated my auto insurance, my rate increased by almost 60 % ( and I have a good driving record ). My insurance carrier provided information on how to contact LexisNexis to obtain a copy of my XXXX XXXX Report which was a factor in determining my rate increase. I have attempted to do this twice online and once via their automated telephone line where you can not reach a human being, and continue to receive letters via US Mail over a week later that they are " unable to process request '' even though I have provided them with my drivers license number, full name, current address and zip code, current phone number, full social security number and full date of birth. 

They are requesting additional documentation to prove I am who I say I am which they should already know, or be able to easily ascertain through their client, my insurance carrier. There also was no opportunity on their online portal to submit this type of documentation. 

According to my insurance company, I only have 60 days to receive a copy of the LexisNexis report they considered. I feel like LexisNexis is deliberately giving me the runaround and making it difficult to impossible to obtain this report.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was being called at least 7 times a day several days a week during my work hours. I was receiving harassing voicemails with Portfolio Recovery threatening to sue me for a debt. 

One day when I came home there was a plastic bag with documents inside that appeared blank hanging on my front door knob. 

I left the bag on my living room table because I thought it was a solicitation. 

Several months later I received a letter from my county court clerks office stating I had a judgement against me because I failed to appear in court.
Consumer complaint received 2023-12-07
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. (IL)

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eagle Accounts Group, Inc. (IN)

I was contacted by my employer that my wages were being garnished cause of a debtor Eagle Accounts Group , INC for an unpaid utility bill from XXXX. The collection company started the collection XX/XX/XXXX. They are garnishing my wages for 25 % of my wages for a very old debt. Is there any thing I could do to stop this garnishment?
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance has been harassing me via telephone with multiple phone calls during the day and night in regards to a vehicle that I was last told via phone would be repossessed.

I was told by several agents at Flagship Credit Acceptance that there was nothing they could do to help me and an active repossession was in place. After that time Ive been called daily from multiple numbers and all hours of the day. 

As of today, they are in direct violation of my privacy and all aspects of the FDCPA, because I was contacted by a lady which is not a relative or friend of mine and she is definitely not one of my references given to Flagship Credit Acceptance. This is a XXXX XXXX XXXX elderly lady living in an assisted living home, according to her, and XXXX from Flagship called her and left a voicemail with my name, his name and Flagships number for her to let me know he called. She contacted me and sent me a screenshot of the voicemail transcription she received. 

UNACCEPTABLE! 

I have never been approached by anyone trying to repossess the vehicle, nobody has ever came to my home and knocked on my door and now they are harassing elderly people that has no relation to me at all! 

Then I answered a call from XXXX this morning and I asked why did he call a stranger and where did he pull that information from? He didnt answer any of my questions and told me You want us to call other people and give out all of your information? I said you can try, but its absolutely against the law and you would be sued if you do so. He said, Ok then, thats why we keep calling you. My question is for what? Ive already been told the car would be repossessed, why are you now harassing me and other people? Especially an elderly woman?! Im beyond disgusted and frustrated. It should have never gotten to this point. Im not putting up a fight with a repossession and they arent doing anything but constantly flooding my phone with calls. There is nothing further to discuss after I was told the car would be repossessed about XXXX weeks ago. 

They are in violation of my privacy and harassing me as well as strangers.
Consumer complaint received 2023-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC (CO)

In XXXX of 2021, XXXX XXXX acquired my student loan from XXXX XXXX. My monthly payment is {$50.00} at a fixed interest rate of 5 % ( see attached XXXX XXXX ), I have never missed or been late with my payments. Just before XXXX, I noticed that an inordinate amount of interest was being added to the principal loan balance. 

After my last monthly payment, my balance was approximately XXXX. At 5 % interest, this would have added about XXXX ( 5 % of XXXX = XXXX = {$9.00} ) on my next payment due on XXXX. Instead, the company website reflects an increase to XXXX ( see attached ) which is an increase with interest amounting to about 19 % ( 19 % of XXXX = XXXX = {$35.00} ). 

As a result of their failure to reply to my inquiries I, of course, have not made the most recent payment. As, with such wild swings in the interest rate, making my XXXX payment, I will never see the end of this debt. No reasonable or responsible person would pay under the circumstance of the company breaching the agreed fixed interest rate of 5 %.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I've tried to lift an existing credit freeze with Transunion both online ( daily since XX/XX/2023 ) and via the automated phone service ( XX/XX/2023 - 4 times ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - 3 times ). I either get an error message on the website ( " service temporarily unavailable '' ) or an error on the automated phone service ( " request can not be completed at this time '' ). I've tried to lift the freeze by speaking to customer service representatives, who request full SSNs and my PIN every time. I am not comfortable giving that information to a person when I have already verified it in the phone system prior to reaching a customer service representative. I have also been hung up on multiple times, lied to about when the automated systems will be online again, and was refused transfer to a manager or someone who can speak knowledgeably about the technical issues their site and phone system are experiencing.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (GA)

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XX/XX/year> RAUSCH STURM LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Dear Sir/Madam, I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a credit card application submitted to American Express . This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud. 

The details of my complaint are as follows : Application : On XX/XX/2023, I submitted an application for a credit card to American Express. To my surprise, my application was immediately denied. 

In response to the denial, I sent a certified letter to American Express seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference. 

Despite sending the certified letter, I have not received any response or communication from American Express. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

I believe there may be potential securities fraud involved in this matter. American Express has a published XXXX annual filing and an indenture agreement. While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. 

I am filing this complaint with the CFPB to request a thorough investigation into American Express 's denial of my credit card application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations. 

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether American Express has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information. 

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking XXXX XXXXXXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.