davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GB Collects, LLC (NJ)

I received a notice for a debt owed to a health insurance company that I have not used in several years. The insurance company has not contacted me, and I have never missed a payment to them. I requested verification of the debt in writing ( via certified mail ) and it was ignored. The company continues to send me letters about collecting on the debt. I sent my response within 30 days and more than 30 days have elapsed since they received it. They are asserting in their letters that I have " simply chosen to ignore '' them, which is not true, and I have evidence : the USPS tracking number is XXXX and I have provided a screenshot of the publicly accessible tracking page below. Furthermore, they have my first and last name reversed, which is another reason to be suspicious about the validity of this debt.
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

After the equifax breach there were a lot of fake charges and I was able to get all but one expunged. This fake {$170.00} " IC Systems Collections # XXXX " original creditor XXXX XXXX '' is not valid as I have used XXXX for many years and haven't used " XXXX XXXX '' for about 8 or 9 years and when I had it they directly deducted their payment from my credit card with no issues. So this is FAKE FAKE FAKE and I can not get XXXX to understand this-there is no intelligent human life there to work with and I am up to hiring an attorney for {$5000.00} down just to fight to get my credit report to be accurate with XXXX. I pay ALL my bills including credit card 100 % each month, no balance EVER, and I just paid my second mortgage balance IN FULL so it isn'r about money, IT IS ABOUT HONOR AND HONESTY!!! 

Thank you for helping me.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 11th 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 records 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 an alleged fraud or extortion. 
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Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a credit card tied to my account that I do not recognize at all. According to the FCRA inaccurate information mist be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. I was not aware of any of this until I seen it on my credit report. Also, l 've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I purchased XXXX software  from XXXX  Received counterfeit software for my purchase. I showed proof that the software was counterfeit to CapitalOne and asked that they void this transaction and refund the {$300.00} that were charged on my credit card. CaptialOne claimed that they don't have control on that and closed the claim.
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

On or around XX/XX/XXXX I went online to make a payment as I have since signing the agreement on XX/XX/XXXX with Flagship Credit Acceptance but I could not log on. I continued trying to reset my password but was still unable to get in. On XX/XX/XXXX I called Flagship and the pre-recorded audio stated my account number had changed. I became alarmed and attempted to speak with the rep to turn off e-statements and have all correspondence sent via postal service as I then believed I must have missed the disclosures advising of upcoming changes. The rep claimed they had turned off e-statements and I would start getting paper statements but after three more phone calls, it still wasn't done. My complaint is that Flagship Credit Acceptance has violated the terms of the contract and therefore voided the contract. After speaking with two different reps today ( XX/XX/XXXX ) I was told several disturbing things. I was told that changes were made to the contract ( my account number was changed ), I was still not set up for paper statements, that I could not have access to the online portal because I was over 5 days past due, and that Flagship can make any changes they want and do not have to notify " every single customer ''. I believe Flagship Credit Acceptance has violated my rights as a consumer by not providing me with access to the account, making changes to the contract without my knowledge or consent, and preventing me from making payments online. After reviewing the contract there are no disclosures that were provided to me that allow Flagship to make changes to the contract without notifying me. A right of rescission letter was sent to Acceptance Now on XX/XX/XXXX that they did not respond to.
Consumer complaint received 2023-11-18
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

I did not give my written consent to report on my credit, this account had suppose to be in the business name using the EIN number according to code ( 15 USC 1681B 35 ) permissible purpose.This is a violation please remove or stop reporting to my credit report. its also reporting late according to code ( 15 U.S. code 1666b ) timing of payments and code ( 15 U.S. code 1681a definition ; rules of construction please stop reporting ASAP please and thank you.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NY)

I had an account with Indigo. 
( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to Indigo ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (FL)

I have tried three times for a method to close the account as easily as I was able to open it and they required I drive over an hour to go to a place that will accept an exact deposit to XXXX the account when it could simply be done with a debit card. They used to have alternatives, I like them.. but this system is just plain wrong.
Consumer complaint received 2024-01-09
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)

I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. Ohio department of human services XXXX XXXX XXXX XXXXXXXX - 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I AM TRYING TO COMPLETE A SHORT SALE TRANSACTION IN ORDER TO AVOID FORECLOSURE. MY SERVICER, NATIONSTAR, HAS A WELL KNOWN REPUTATION FOR CREATING OBSTACLES IN THE SHORT SALE PROCESS. THEY REQUIRE BUYERS TO PLACE OFFERS ON A WEBSITE KNOWN AS XXXX OR XXXX. I HAVE A BUYER WHO PRESENTED ME A BONA FIDE OFFER PRIOR TO THE AUCTION DATE AND I ACCEPTED THE OFFER. NATIONSTAR MADE THE UNLAWFUL DEMAND THAT MY BUYER PLACE THE SAME OFFER ON XXXX OF THE AFOREMENTIONED WEBSITES AND PAY AN ADDITIONAL 5 % PREMIUM - INCREASING THE ACCEPTED PURCHASE PRICE BY 5 %. PRIOR TO THE AUCTION ON XXXX XXXX, 2015, NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT " THE FILE IS BEING REFERRED TO XXXX... '' A FEW DAYS LATER NATIONSTAR ANNOUNCED " THIS FILE IS NOT WITH XXXX... THEY ARE IN THE PROCESS OF GETTING THE PROPERTY READY FOR THEIR SITE. '' NATIONSTAR CREATED DELAYS AND OBSTACLES WITH THIS BACK AND FORTH. FURTHERMORE, ON XXXX XXXX, 2015 NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT THE BUYER THAT THE AGENT MARKETED AND FOUND WAS THE WINNING BUYER OR BIDDER. A FEW DAYS LATER THEY CHANGED THEIR MINDS. PLEASE SEE ATTACHED COPIES OF EMAILS TO DOCUMENT THE CLOWN-LIKE BEHAVIOR AT NATIONSTAR.
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I was transferred to MOHELA right after payments started due to the PSLF application. 

On XX/XX/XXXX, a message from MOHELA showed a due date of XXXX On XX/XX/XXXX, I sent a message asking about repayment schedules and due dates for a newer loan that was in grace. 

On XX/XX/XXXX, a message from MOHELA showed a change in my due date to XXXX. 

On XX/XX/XXXX, I submitted a complaint because MOHELA changed my payment due date without permission. The same day, I requested for XXXX of my loans to be placed on a different repayment schedule. 

On XX/XX/XXXX, I got a message from MOHELA in response to my message on XX/XX/XXXX stating I had to call customer service to change my due date and to change my repayment plan. The message stated that this was due to the complex nature of my inquiry. 

On XX/XX/XXXX, I sent another message asking to have this loan be placed on a particular repayment plan. 

On XX/XX/XXXX, I got a message back saying the plan would not qualify for XXXX and that I had to call MOHELA to make the change, so I did. I waited forever and never got ahold of a customer service representative and gave up. 

On XX/XX/XXXX, I messaged MOHELA again, stating I understood but still wanted that loan on the plan I requested, and I stated I did call customer service and got nowhere. 

On XX/XX/XXXX, I got back a response saying that a request to have my loans applied to the same payment plan was still processing. I do not know what this means or what they were talking about because I never requested this. 

On XX/XX/XXXX, I sent a message stating I was still waiting for my repayment plan to be changed ; on XX/XX/XXXX, the response I got was to call customer service due to the complex nature of my inquiry. 

Finally, on XX/XX/XXXX, I messaged MOHELA about putting my loan on an Administrative Forbearance while they finished doing whatever they were doing to my account because my request was not be processed. However, they were still processing something I did not request. 

I messaged again on XX/XX/XXXX requesting a forbearance until they were done messing with my account, and I got a message back on XX/XX/XXXX stating that my loan was past due, and I again was told to call customer service. 

I submitted XXXX complaints to studentaid.gov. XXXX was submitted on XX/XX/XXXX, and the other was submitted on XX/XX/XXXX, and it just says pending. I haven't heard anything about them, and nothing is being done while my account is overdue. I started this way before my loan came into repayment, and MOHELA has refused to cooperate.
Consumer complaint received 2023-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

A person called me representing my mortgage company and gave me his name and said he modified my loan and gave me my new mortgage amount he told me to pay at XXXX because I would receive a receipt so I did but then I get a call from my mortgage company saying that had no record of any transaction and no knowledge of the person I spoke with. They didnt even want to know his name or how much I paid him..this happened twice I didnt pay the second time. Both times it came up on my phone as calls from XXXX..
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00}
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC. (AL)

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Bank XXXXXXXX, XXXX  XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

My wife and I attempted to use the Chase Bank application to submit a payment from my XXXX XXXX savings account. Instead of just asking for the routing number and account number, Chase was asking for my login information, including password, to my XXXX accounts. Who in their right mind would provide a third party access to their accounts where this third party could have full ability to conduct any transactions they wanted? This seems very suspicious.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I have applied for a credit card with American Express around XX/XX/XXXX and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXX with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express XXXX My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934. 

240.10b-5 Employment of manipulative and deceptive devices. 

It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2024, I received a letter from Capital One Auto Finance stating they attempted to pull all three of the major bureaus to obtain my credit reports. I have not had any contact with this bank regarding any auto loans and did not authorize them to do this. Luckily, I keep all 3 of my reports frozen until I actually need to use my credit. 

My problem is they should not be randomly attempting access to my credit without my authorization. What if I wasn't a smart consumer and hadn't locked down my reports? I have a major purchase coming up in the next couple of months and do not want random banks thinking its okay to arbitrairily attempt credit pulls they aren't authorized to pull.
Consumer complaint received 2023-09-26
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2024-05-23
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: Experian Information Solutions Inc. (GA)

XXXX Advertise sign up no credit check.. 
I find XXXX to be very Deceptive, when I first started with XXXX it advertised it would have no impact on my credit, yesterday I received a notification from credit karma Notifying me my Credit Score Decreased by XXXX points from Signing up With XXXX, I was never late on any of my payments and I always paid before the due dates, customer service barely speaks XXXX I requested a supervisor who is very Dismissive and Defensive, Im now going to have to file a dispute with the XXXX XXXX XXXX and banking regulators very disappointed