davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reliant Capital Solutions, LLC (MI)

I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (GA)

I had reviewed my credit reports and saw the collection agency reporting a debt that I am unware of. I sent a letter to the Collection ageny ( The Bureaus ) requesting them to validate the debt as the debt does not belong to me. The letter was dated XX/XX/year> and sent out from the XXXX XXXX  on XX/XX/year> Return Receipt Mail XXXX XXXX XXXX XXXX XXXX. I had also requested additional information of who the original creditor may be as I do not recognize anything pertaining to the collection and their authority to collect such a debt. I received the signature card back indicating they were in receipt of my request on XX/XX/year> however as of today, XX/XX/year>, they have not provided any response to my requests in the letter. Thank you for your assistance regarding this matter as the negative reporting of a debt not belonging to me has impacted me tremendously.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I work for the XXXX XXXX  and earned a student loan payment incentive for a net amount of {$8400.00}, which was paid to nelnet on XX/XX/XXXX. On XX/XX/XXXX, nelnet posted XXXX payments on my account for {$5200.00} and {$230.00}, totalling {$5400.00}. The other {$3000.00} was missing. I waited until XX/XX/XXXX to call and spoke with a representative who indicated they didn't know which of my loans I'd want the other {$3000.00} applied to so they didn't apply it ( or contact me to find out what loan to apply it to ). During the XX/XX/XXXX call, the worker filled out a form E and requested my {$3000.00} be applied to my highest interest rate group and informed me they would process that and allocate the payment. On XX/XX/XXXX I called again. The worker indicated an E form was submitted on XX/XX/XXXX to reflect where to apply the rest of the payment. The worker indicated it would take up to 6 weeks to be finalized from the XX/XX/XXXX date. The worker did not understand my questions about getting additional credits towards accrued interest in the time that it took Nelnet to apply the large payment they should have applied on XX/XX/XXXX with the rest of the money they received ( as of today 's date, XXXX weeks of accrued interest on {$3000.00} ). 


There is still no resolution and its been over 8 weeks since I placed the call on XX/XX/XXXX. I want my {$3000.00} payment applied and back interest for the XXXX weeks of capitalized interest on my loan.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

I paid Discover Personal Loans XXXX on XX/XX/2023. Also, I was reassured that a discover personal loans representative would be able to make payment plan or some arrangements with me regarding the amount due. On XX/XX/2023, I attempted to call Discover and the personal loans representative did not make any attempt or arrangements to assist me with this account. However, they are using tactics to trick me and con me out of money I don't have. This company has not provided any assistance in resolving the past due or payment of this account. They just keep lying and telling me to call them ; however, they do not have any plans on reduction the interest rate or amount due. In fact, if they would settle and remove the extremely high interest from the amount due, I would not owe them anything.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (OR)

I have 2 phone and 2 XXXX  so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX the Apple Card said they called me so I checked and call back to them one more time and they still said the same they can't find my account even with my social number, my name, my birthday, my email address, and my phone number. if they can't verify with all my information why they still rise up my debt to XXXX $ even I just debt XXXX $ and affect to my score with their fault. I tried to upload video I talk to them but the web don't let me too. And Apple Card don't show card number on card just on app. but my app got closed so I can't check.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (WA)

There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

XXXX : My XXXX  passed away several years ago and I sent his death certificate to Chase Bank in XXXX before. My XXXX  was a XXXX and was working in XXXX, XXXX. And I am also a XXXX working in XXXX, XXXX too. Recently, I tried to close my husbands account in Chase Bank in XXXX since that one only has his name and the amount is only about {$2500.00} USD. This account was set up because of direct deposit from XXXX employer. The bank XXXX asked to notarize for his death certificate which I did and I also went to Michigan XXXX Department and got the authentication. But the bank still asked to have several more document. Here is what they want : XXXX or XXXX XXXX Seal for Death Certificate Foreign Probate ( with cert translation if not in XXXX XXXX or XXXX XXXX Seal ) Transfer Certificate or Affidavit in Lieu of a Transfer Certificate I asked Michigan State Department and they said they have done authentication but they dont do the XXXX. I also called XXXX XXXX  in XXXX many times but never got people answered. I also sent message to Chase Bank and ask what I can do for those document since it related to both countries. But they didnt answer. 

I am wondering why the bank set so many difficult tusks to make people so miserable? 

Thank you so much. 

XXXX
Consumer complaint received 2024-01-02
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: LEXISNEXIS (VA)

I am writing to file a formal complaint against LexisNexis concerning their inadequate response to a dispute I initiated on XX/XX/2023. The dispute was raised to challenge inaccurate personal information and a public record, specifically under reference number XXXX, in my consumer disclosure report. 

LexisNexis ' response, dated XX/XX/2023, detailed their attempts to resolve the dispute. They stated that they filed a dispute with XXXX, XXXX, and XXXX on XX/XX/2023, seeking clarification and verification of the mentioned public record. As of XX/XX/2023, they reported no response from XXXX and XXXX. Regarding XXXX, their reinvestigation results indicated that the member number submitted was not recognized, suggesting that the dispute resolution was unsuccessful. 

I am deeply concerned by LexisNexis ' inability to resolve this matter satisfactorily. Their failure to obtain adequate responses from the credit bureaus and their inconclusive reinvestigation with XXXX underscores their inability to address the inaccuracies in my consumer report effectively. 

Attached to this complaint is a copy of my initial dispute letter to LexisNexis, along with their responses, as supporting documentation.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

Ive been receiving letters from Shellpoint Mortgage for several months stating they require proof of insurance. Ive provided proof of insurance each time, as well as called them to confirm receipt. Each time Ive called ( 6+ times ), they have confirmed proof of insurance receipt and that our account would be updated, and that we would not be charged. However, were still receiving letters and are now being charged an additional {$1200.00} each month. This is harassment and these charges are fraudulent.
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (TN)

Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (RI)

About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX  to XXXX XXXX at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

On XXXX  I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AL)

I purchased this property and had no issues initially. Then the lender started causing issues with my homeowners insurance. They cancelled not on, not two but three different policies. Each time failing to make the payments to keep the policy active. They then added a lender policy which is more than 3 times the cost of my other policies and provides ZERO persona property coverage. They have admitted to their errors, claimed they would fix it. Claimed they would not report me late to the credit bureaus or charge me late fees and they are doing both. As a result, my business lines of credit are being reduced and it is causing me financial hardship as I'm unable to work. PLEASE HELP!!!
Consumer complaint received 2024-05-10
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: CrossCountry Mortgage LLC (CA)

I had lost my job last year and went into forbearance which to my understanding was to stop XX/XX/year>. I called the company to see how I can get back onto the payments and was told i am in forbearance until XXXX. Not sure why and how as trying to communicating with the account manager bore no results. He does not call back and when I get a call from them its either hang ups or threats. I had one conversation with him where I was told the outstanding balance could be added at the end of the loan. I have been filing tickets and emailing to no avail. Then I get a response from XXXX XXXX but when I talked to them they had no information on me. I have no idea what is going on, how to make payments again and resolve the outstanding balance ( needs to be added at end of loan ).
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MO)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2024-05-10
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: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX  branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I kindly need you to attend the following items in this letter, which contains data directly from my credit report, which you have provided. 

Late Payment : XX/XX/2023 APPLE CARD - GS BANK USA is reporting a late payment to my credit report. This is improper use of my credit for two reasons : In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Reason 2 : I was on XXXX XXXX orders during the time the payment was reported late and according to the Servicemembers Civil Relief Act - SCRA that if you use any of your SCRA rights and delay payments, it won't reflect on your credit report. I have provided this furnisher with a letter from my XXXX indicating I was under orders but this is still reporting and heavily impacting my credit.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NJ)

I paid my bill to Target ON TIME yet this month Target is charging me the outrageous fee of {$40.00} as a late fee that I shall not, never ever pay. I live with my beloved wife 99 % on Social Security and can not afford to pay this {$40.00} late fee and shall not do so. 

This is such a serious matter that I am advising the following : President XXXXXXXX FBI Director XXXXXXXX Attorney-General XXXX Federal Reserve Board of Governors Comptroller of the Currency New Jersey Attorney-General XXXX  New Jersey Department of Consumer Affairs Federal Trade Commission XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/2023, I entered into a Loan Agreement with Affirm for a purchase made at XXXX. The Loan Agreement outlines the total amount financed as XXXX and the total interest to be charged is XXXX bringing the total repayment amount to XXXX 

However, Affirm billed my XXXX card a total XXXX  for the loan repayment. 

I've attempted to resolve this matter and get a refund in the amount of XXXX from them and they are refusing to refund me the money that they have unlawfully collected.
Consumer complaint received 2024-01-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (PA)

Contacted me many times throughout the year XXXX. I filled a dispute because the original hospital never sent me a bill or billed the correct insurance. The only time a bill was sent to me was 4years after the service date and at that point it was already sent to a debt collector. The debt collector said I could resubmit through insurance but then the debt collector resubmitted through the incorrect insurance again. The amount was for over {$600.00}. On XXXX XXXXXX/XX/XXXXXXXX  I received another phone call saying I must pay this bill, when I said I wont do that because my insurance was never billed she said ok refusal to pay and just hung up. I never finished talking or asking my other questions. Now I cant get in contact with them. The company is assetcare. I was told the correct insurance would be billed. It never was and then I was told another date that it cant be billed to the correct insurance and that I must pay the bill that day. They also call from number of my area code in hoping to get an answer. Its is very misleading.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I went to check my account and my online account was disabled. I attempted to call to get information and why it was disabled and they asked me if I added a new recipient on my XXXX and that it looked like there was fraud. There was no fraud on my account and no one contacted me to asked me or confirm anything about fraud, they just disabled my account. Now it's 48 hours later and still no one has answers. I need to deposit my check and I need to be able to monitor my account. They can either unlock my account or close my account but I am completely done with the way US Bank does business and the fact they think they can just do things to your account without permission.
Consumer complaint received 2023-12-30
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. (AL)

in accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights. 

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