davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

I contacted XXXX, XXXX, and XXXX regarding the inaccurate reporting of this public record. I was informed by the Consumer Reporting Agencies that this information was furnished from LexisNexis Risk Solutions. The public record is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number.
Consumer complaint received 2024-01-31
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. (MO)

Experian only lies and steals money and payment history. As usual I was notified about disputes ready to view and of course there not, PLOY TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration. 

I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (TN)

I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX   challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my  account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX   challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: The Avon Group dba Wyn Financial (OH)

I got message from XXXX ( XXXX ) XXXX said about he is loan account manager asked us about bank statements for three months and then never heard back so we are worry we got scam
Consumer complaint received 2017-05-19
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. (MD)

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After the  2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX I sent a suppression and opt out request to Early warning services because they are in violation of federal laws that pertain to the handling of consumer information, particularly my personal and financial data. It is alarming to discover that they have not adhered to these regulations and has, in fact, repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of XXXX. Specifically, I would like to highlight the following violations : Fair Credit Reporting Act Violations ( 15 U.S. Code 1681 ) : Violation of Section 1681c : Inclusion of adverse items beyond the allowed seven years. Violation of Section 1681e : Failure to maintain reasonable procedures for accuracy of consumer reports. / Privacy Act of XXXX Violations ( 5 U.S. Code 552a ) : Unauthorized disclosure of records without prior written consent. / Consumer Financial Protection Act Violation ( 12 U.S.C. 5511 et seq. ) : Failure to comply with privacy policies and provide necessary notices. / Regulation P Violations ( 12 CFR 1016 ) : Failure to provide initial privacy notices to consumers. Lack of opt-out notice and methods for consumers. / Identity Theft and Fraud ( FTC Violation ) : Unauthorized use of identifying information without consent. And every inquiry without permissible purpose constitutes a separate violation under 15 U.S.C. Permissible Purposes. Additionally, the failure to provide opt-out notices for promotional inquiries is another clear violation of MY consumer rights.
Consumer complaint received 2018-11-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home. 

We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have inquiries on my report that I do not recognize and demand for them to be deleted IMMEDIATELY. the inquiries should not be furnished on my consumer report as they are in violation!!!!! 
Per 15 US code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject subsection ( c ) 2 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 CONSENT to report anything on my consumer report which violates my rights as a protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. 
XXXX, Transunion, and experian are reporting my consumer report improperly.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I have placed a Security freeze with Lexis Nexis and XXXX in XX/XX/XXXX but upon reviewing my report, I see that they have still provided information to and responded to " inquiries '' sent to them beyond this date. On XX/XX/XXXX 2023 I have also requested a suppression/opt out of all personal, financial, contact and locate information via Lexis NexisXXXX/all other subsidiaries and affiliates pursuant to my rights under 15 U.S. Code 6802, 16 CFR 313 and its subparts.

In addition, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CO)

On XX/XX/XXXX2023 I paid off the entire remaining due balance of my student loans on Nelnet, a total of XXXX. I ensured group ID was selected for ALL to ensure my full payment was allocated to each loan group and each would be paid off in full. My Nelnet ID account number is : XXXX. I have attached proof of this payment. I have confirmation that the full payment was taken out of my bank account as well. 

Of my full payment to my student loans, Nelnet only applied {$26000.00} to my principal. My payment in full was incorrectly allocated which led to an incorrect remaining balance due of {$61000.00}. Somehow, {$68000.00} was applied towards my group XXXX loan, yet the loan still has a remaining principal balance of XXXX. Only {$410.00} was applied towards my group XXXX  loan, yet the loan still has a remaining balance of {$31000.00}. I have attached screenshots of this as well. Since this error, these loans have still been incorrectly accruing interest. 

I spoke to a NelNet manager on XX/XX/XXXX23 named XXXX XXXX employee ID : XXXX ) who could not give me any information on how or why this happened. I paid my loan in full correctly and he admitted this was a clear, egregious error in their system. Also, he could not tell me exactly when their accounting department will fix this error. While they are not urgently fixing their error, my incorrect remaining balance is accruing interest. I have attached screenshots of this as well. I have tried to call Nelnet multiple times, and have received no update on when this will be corrected and each time I have called has been over a 2-hour wait time to talk to someone.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

1. Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. 
2. Credit Acceptance sets the interest rates affiliated dealers must charge on it loanstypically about 22 %, which is at or near the maximum rate allowed in many states. 
3. The true cost of CAC credit is higher than what is disclosed on the CAC loan agreements, so many of the loans actually exceed state usury caps. 
4. CAC engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 ( the CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), by obscuring the cost of credit for auto loans and taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences, as well as their inability to protect their interests, and for providing substantial assistance to dealers, even though CAC knew or should have known the dealers were misrepresenting the voluntary nature of add-on products. 
5. From XX/XX/XXXX2015 to XXXX XXXX, 2021 ( the Covered Period ), approximately 1.9 million consumers obtained loans from CAC and its affiliated used-car dealers. In 2020 alone, consumers obtained more than {$4.00} billion in CAC-financed loans. 
6. CAC claims that it caps the degree to which its dealers can inflate the price of vehicles. For example, since XXXX 2019, CAC has restricted dealers from increasing the price beyond 115 % of the highest XXXX XXXXXXXX XXXX XXXX XXXX value ( i.e., best condition ) for the make and model in question. But such a cap is far too high to provide meaningful protection to CAC borrowers ; CAC does not check on the condition of the vehicle, and many CAC borrowers are in fact financing vehicles worth much less than the highest XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I filed a dispute totaling $ XXXXfor charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again XXXX  XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So XXXX contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (CA)

Received and a bill dated XX/XX/2023 stating that they are trying to collect a debt on behalf of XXXX XXXX XXXXXXXX. for the amount of # XXXX. 

I responded with a written letter dated XX/XX/2023 ( XXXX tracking # XXXX ) requesting : 1 : Notice of Assignment ( NOA ) from original creditor to Associated Credit Services ( ACS ) regarding alleged debt. 
2 : If they purchased this debt and for how much.

3 : Name of person with first hand knowledge about the debt at ACS.

4 : What due diligence did ACS conduct to verify the legality of the debt.

5 : If they are in possession of my original security instrument ( contract with XXXX XXXX ). 
6 : Legal relation ship between ACS and me and/or contract and terms of such contract if any.

7 : Evidence of my agreement with XXXXXXXX XXXX. 

ACS responded to XXXX of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/2023 requesting same information in my previous letter. 

ACS continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which ACS ignored and continued to contact me. The last call was earlier today at XXXX XXXX  from tel. # ( XXXX ) XXXX
Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I applied for refinancing with Loan Depot and after considerable discussions of numbers, agreed to accept their refinancing offer to consolidate my first and second mortgages. The loan was closed on XX/XX/2018. My Truth in Lending Statement listed all appropriate charges including a shortfall in my escrow account with my primary mortgage holder. I did not resend the loan within the three day window available to me. On XXXX the XXXX I received a phone call from XXXX XXXX with Loan Depot saying that their closing documents were incorrect and demanded an additional {$1900.00} from me. XXXX was threatening telling me that I need to beg, borrow or charge the amount he said was outstanding if I did not pay this amount of money he threatened to " UNWIND '' the transaction in its entirety. When I asked him what exactly " UNWIND '' meant, he said he would go talk with his supervisor. I waited for his return call and ended up having to call him again today XX/XX/18. He advised me that his supervisor said that they would begin unwinding the transaction. I have checked with my second mortgage holder and the loan has been paid in full. In addition there were credit cards and other debt that was paid off with the proceeds. My primary has not been paid, is now delinquent and incurring late charges.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have owned my home for 21 years. My mortgage payment is {$3700.00} per month it includes interest, taxes and insurance. My interest rate is fixed at 3.875. 
XX/XX/2023 I received an escrow analysis which said my taxes went up {$30.00} per month and that i have a 2023 shortage of {$350.00} My new monthly mortgage payment jumped to {$4300.00}. 
It makes no sense at all. When i called in XXXX i was told by the representative that it didnt make sense to him either and he would ask for another escrow analysis to be done. I never heard back. I got a new statement that shows no changes made so i called Select Portfolio Servicing and they said they are charging me extra so i dont have a shortage in the future. How is this legal? {$700.00} plus increase a month for a {$30.00} a month tax increase? I told them Im fighting XXXX XXXX  for 2 years still XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help XXXX XXXX XXXX