davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (TX)

I went to credit karma to check out my credit and they had a list of 5 credit cards in my account which were in their opinion, pretty sure I could obtain. XXXX XXXX gets money for every member they send which joins. I joined Prosper and they approved me for a {$1700.00} credit limit, send me an email and said while I was waiting to get the card I could use 1/2 of my credit limit. I did just that as I am off work on short term XXXX and have limited funds coming in. I bought my son some tennis shoes, and made a purchase on XXXX for a furnace filter, I went to XXXX online to try get my grand daughter valentines for her kindergarten class and the purchase was denied, an alert came over my phone, a fraud alert from the credit card company and asked me if I made a purchase at XXXX, I said Yes and they said OK, retry that purchase and that was it. i attempted to pay and it said card was now blocked, so I called the credit card company and he asked me if those purchases were mine and I said yes and he reopened my account and said just stay away from XXXX online and you should be good, so I went to XXXX  and purchased items and my card was again blocked. I got up today and logged into the account and they lowered my credit limit by half. I would have never agreed to have the card with the lower credit limit but I was tricked!!! I started looking at the reviews on the site I joined from and many people were saying exactly what I just typed out here and even saying other things which have me scared to death now! I don't want my bank account compromised or my credit destroyed by this company. I spoke with this company today and the woman said my card was blocked multiple times for fraud, which was not fraud it was me however they never send additional messages asking me if I had made these purchases. She said the lowered credit limit is how much I can use until my card gets to me then they will raise it back up to {$1700.00}. This is just not acceptable business practices and there are a lot of people upset with this company.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (IA)

We received a Target Red Card credit in the mail on XX/XX/XXXX that we didn't apply for- showing my name and sent to our home address. Today, XX/XX/XXXX we received a bill in the mail for purchases we did not make on XX/XX/XXXX to a Target store in XXXX for total of {$480.00}. I haven't contacted Target yet, but plan to call and open a fraud claim with them tomorrow.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet continues to make it impossible for me to pay my student loans. This is my second complaint filed with the CFPB. After " resolving my compliant '' by removing the administrative forbearance from my account and fixing my auto-debit to finally pull on XX/XX/2024 per the resolution documents they submitted to the CFPB they immediately went right back into my account and put my loans into administrative forbearance again. My auto-debit did not pull and now my account shows my next payment due date is XX/XX/2024. I have provided screenshots of emails with dates and time stamps proving what they did and when they did it.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

From : XXXX XXXX XXXX c/o : XXXX XXXX XXXX XXXX Fort XXXX XXXX Florida XXXX XXXX : Citibank N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXX CEASE AND DESIST DECEPTIVE PRACTICE Re : Consumer Credit Application XXXX And to whom it may concern, FINANCIAL ASSET My Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person is XXXX XXXX XXXX 31 USC 9301 Security/account number ending in XXXX Date of birth XX/XX/XXXX After reviewing State and Federal Consumer Credit Protection laws it has come to my attention that I have been misled into entering a comparable cash transaction instead of the open-end consumer credit plan pursuant to Equal Credit Opportunity Act ( ECOA ) and Truth in Lending Act ( TILA ). 

I, consumer, card issuer, am a natural person who regularly extends, renews, or continues credit and/or who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See ECOA Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( i.e. social security card/nationality card/ID card/U.S.A. Passport ) See TILA I have been misled by Citibank N.A. as participant in credit decision for Credit as a right ( 12 CFR 226.2 ) to incur debt and defer payment that does not require a down payment ( 15 U.S. Code 1662 ) and ( 15 U.S. Code 1605 ) whereby the finance charge does not include charges of a type payable in a comparable cash transaction. 

Citibank N.A. is the assignee of the original creditor who participates in the decision to extend, renew, or continue credit. See XXXX Citibank required both comparable cash transaction as down payment of {$200.00} and secured Truth in lending Act credit card ( Social Security Administration account number/identification card ) information via credit application as commercial paper for security to extend credit to consumer. 

Executed This Day XX/XX/XXXX pursuant to 28 USC 1746 ( XXXX ) By : XXXX XXXX XXXX XXXX XXXX XXXX of interest
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

I purchased a streaming device from a merchant and used Affirm to make payments ; once I received the product, it was not as described on the merchant 's website. I reached out to the merchant several times via email, phone calls and even requested a refund via their webpage and no response was ever received from the merchant. I filed a complaint with Affirm that I would not pay the loan due to this situation. Affirm stated after investigating my concerns, they found the merchant creditable and that I still own the loan and payment is required. I requested Affirm to provide all correspondence and/or documentation on the process they used and what they received from the merchant and Affirm would not provide anything from their investigation. I then got a notice that a negative remark was submitted by Affirm to XXXX XXXX XXXX. I disputed this with XXXX, and XXXX stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' The report does not provide any details. I called XXXX and the Rep was no help and now I am making a complaint with CFPB.
Consumer complaint received 2024-04-07
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. (AL)

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX  XXXX with credit cards ending XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  card ending in XXXX. All of these companies 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 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.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC (FL)

This company stated I had rhe right to dispute the validity of the debt but never gave me that right as they were contacted on XX/XX/24 where a formal dispute was launched and blantantly ignored. Pursuant to atatute XXXX of XXXX  law, written communication of intent to collect must be sent within 5 days of assignment before debt collection can begin which this unethical unprofessional argumentative company ignored along with my federal debt collection practices act rights to dispute since they say they are a debt collector but believe themselves to be above the law. 

This company was paid on XX/XX/24 and then again on XX/XX/24essentially meaning they werr paid twice and when I spoke to whomever the XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor, she couldn't of cared less and basically told me " uh yea XXXX business days '' Ive also attached the communication where it says I have the right to dispute but clearly the people who work for the company feel the right to harass XXXX bully people XXXX not honor that which is in black n white ... ( wonder if the XXXX state ag would view this as .... )
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CT)

I have as they call it Hazard insurance and always have my XXXX XXXX covers it. 
Freedom mortgage is forcing me to take there insurance. Ive repeatedly sent proof. All I get is the run around. Ive contacted there insurance department and was told it would be cancelled to call back the following Monday to confirm I called Tuesday that was XX/XX/2024 then I received a then I went on there app to see what exactly was the charges and they charged me again these were XXXX {$700.00} payments in XXXX my mortgage went up {$200.00} and XXXX it will be an extra {$400.00} they say its because of an escrow shortage but they created the shortage I have repeatedly called sentsecured messages and get no where today I received a letter saying that I tried to cancel my escrow I never did that all I want is for them to remove there insurance and put my mortgage where its supposed to be I have insurance and proof thank you.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

Balance {$200.00} Balance Updated XX/XX/2017 Balance {$730.00} Balance Updated XXXX  Balance {$200.00} Balance Updated XX/XX/2017 XXXX XXXX/ XXXX XXXX XXXX This company has reported this account 3 different ways on my credit report and it was reported not correct. According to The Fair Lending Credit Act it has to be reported accurately. And it was not until I reviewed my credit report that I noticed the mistake and I had XXXX XXXX look into it, However they deleted 2 accounts and undated one to the {$730.00} and that balance was never reported until they were contacted about ALL the mistakes with the account and how it was reported, They the company has VIOLATE my rights and the Fair Lending Credit Act.
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Flexible Finance, Inc. (UT)

FLEX pay received a written request by email to cease and desist any authorizations to a business debit card regardless of how it was added on file and FLEX pay charged the payment anyways to the company debit checking account despite the cease and desist removal of the card. The company is now deciding whether or not to honor the dispute however the charge was sent to a business account and the company sent a cease and desist request of the removal the of the card on my behalf. It wasnt honored.
Consumer complaint received 2024-01-19
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 (FL)

This company suing me for an debt I don't owe, I REQUEST FOR PRODUCTTON OF DOCUMENTS. 

They refuse to show solid proof, only thing they have are screenshots of a bill. 

They need more than just a screenshot of a bill. 

If they are so sure I owe them, show me the contract of me agreeing to pay them. 

Better yet, show me the contract with my signature and the original creditor 's signatures ... or play me a recorded phone call which makes it a verbal contract... Yeah, I know the secrets. 

I know the games debt collectors play, so lets play. 

Don't reply back with that same old tired screenshot of a bill, show me all the documents I'm requesting.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (IL)

The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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: CREDIT ACCEPTANCE CORPORATION (VA)

XX/XX/XXXX XX/XX/XXXX i made a payment. Payment was reverse. I made a payment on XX/XX/XXXX to correct the payment that was reverse. Creditor still reported payment late on my credit report. 

These four dates are showing late on my credit report. I did a payment arrangement with creditor they fail to let me know that the arrangement was going to affect my credit report. I paid each month that creditor and I agreed on. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-20
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. (IL)

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.