davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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 (MI)

XX/XX/2023 To whom it may concern, I have been dealing with financial issues as of XX/XX/2023 due to medical reasons, and I fell behind on my bills. I tried contacting the company in question ( Discover ) about the deferment program that they were advertising on the company 's website, only to be told that no such program existed. The company ( Discover ) was not very understanding of my situation and presented three different payment options that for right now is not within my budget. I agreed to one form of payment yet knowing that I would have some issues paying it because of other obligations that I have to consider. I don't know what to do, and I really struggling to find help in my situation and Discover is not offering this to me.
Consumer complaint received 2024-05-13
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: Freedom Mortgage Company (UT)

Mortgage has NEVER been missed or short. Regular mortgage has been around {$2800.00} and I have always paid an even {$3000.00}. ( Paying a little extra each month! ). This past year my escrow had a shortage which cause my payment to go up in XXXX to {$3300.00}. The shortage was {$4900.00} ( apparently ). WHO even knows at this point if that is even accurate! 
So XX/XX/24 I paid the regular {$3000.00} XX/XX/24 I paid {$3500.00} ( paying the new loan amount with a little extra ). 
XX/XX/24 I paid {$4900.00} while on the phone with the company who assured me that she would apply it to my overage, making my payment go back down. And that she would sent confirmation. Never received it. 
XX/XX/24 I paid {$3000.00}. ( Cause she told me the payment would be back to the {$2800.00} ). 
XX/XX/24 Statement came with the corrected new amount statement {$2800.00}. So I figured all was well! 
XX/XX/24 I paid {$3000.00}. 
I then received a notice that I missed a payment! I called and spoke to someone who told me they never applied the {$4900.00} to the shortage! I said then where did you put it?! And I even explained that I had received the new adjusted statement ( back to the original payment ). I have that copy! She was confused, put me on hold forever, then came back and said it was their fault, it was anpplied to principal and that she would fix it immediately. She said she would get rid of the past due fee and everything would be fine. 
So XX/XX/24 I paid {$3000.00}. 
Return from being out of town and have notice that I am delinquent past 30 days and that I now owe {$6800.00}! I dont even know where this figure is coming from and my creditors are already contacting me regarding a 30 day past due delinquency on my credit! XXXX XXXX XXXX 
I am not playing games with this. I just looked up the company reviews and its a whopping XXXX stars with too many complaints to mention here. 
I think its time someone check into this obviously fraudulent and incompetent company! 
I also find it unfair that we as consumers have absolutely no say whatsoever in where our loans are being sold too. I knew nothing about this company and now Im finding they are not a good company, they have horrible ratings and Im not sure what they are trying to pull on me and/or if I need to contact an attorney. 
Please advise.
Consumer complaint received 2023-09-01
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$240.00}
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (WA)

On XX/XX/2024 LoanmartXXXX bank performed an unlawful illegal repossession according to 15 USC 1692 ( F ) ( 6 ) this is a violation. Loanmart/CC bank exposed my personal information to a none third party without my written consent this is considered Identity theft. LoanmartXXXX bank violated the Gramm- Leach-Biley Act by not supplying me with Privacy policy notices and an opt out statement this is a violation.

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Consumer complaint received 2024-05-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (WA)

when i tried to call the company at first they direct express number i called at XXXX they said they deleted my account from the mobile app i ordered a replacement card because my card was lost so i ordered a replacement card to my XXXX Washington address,, after i ordered a replacement card they then said that they needed to send me a pin code, to my phone so i gave them my home phone number,, cell phone then the women at direct express on the phone at XXXX said that she needed another phone number, after giving her two phone numbers she then says that she couldnt send the pin code that that didnt work then she asked for my email i gave her my email she said she couldn't use that email either,, then she said that she had canceled the card she got real angry and was very unprofessional. deleted my card account then locked it and said that she was going to keep the direct deposits that she received from the federal goverment, then she also had several other people who worked for direct express to get on the phone with her so that they could keep the direct deposit that would be coming in from the social security adminstration she it was exactly XXXX ; XXXX am in the morning on XXXX XXXX she then said she would go to fraud department because she didnt want me to access my money she wanted to keep the direct deposits and hold onto them and that social security adminstration nor no one in XXXX  could do anything about,, direct express has a reputation for stealing money from social secuirty clients and not replacing stolen or lost money they take advantage of the poor people and low income people, ,the employee at direct express at the XXXX made threats over the phone that they just lock cards of direct express of the poor and low income and they cant do anything about it nor can social security adminstration,, I could not access my card account of direct express because the ladies on the phone canceled locked my card and made threats, saying the poor and low income are all frauds and no one needs any ssi benefits she laughed on the phone it was funny to her she also had another women on the phone also, Direct express always steal from poor people who get benefits from the social security administration and XXXX XXXX XXXX they never do what they are supposed to do when money goes missing, they replace the card but they like holding onto to poor people money,, laughing making fun of people deleted their accounts but keeping the benefits of the low income and poor sometimes just holding them there
Consumer complaint received 2023-11-09
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. (TX)

XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-11-01
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc. (TX)

Acc. CFPB 12 CFR 1006.6 & 1006.14, cease and desist all communications with the consumer, through all mediums of communication including credit report. Do not engage in any conduct to harass, oppress, or to abuse me, the consumer.

Acc. CFPB 12 CFR 1002.7, Comenity Bank discriminated and committed adverse actions against me for exercising my rights under good faith. Comenity bank changed the terms of the agreement and closed the account twice.
Consumer complaint received 2023-11-01
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Transunion responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/XXXX & XX/XX/XXXX. They updated XX/XX/XXXXand left XX/XX/XXXX as still showing late. This is an error in their end.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO. (NY)

FIRST REPUBLIC BANK ( FRB ) loan # XXXX was maturing during COVID pandemic and refinancing was postponed. 
My mortgage payment however, was doubled from {$6000.00} to over {$12.00}, XXXX at the end of pandemic During FRB collapse and CHASE taking my account was debited without my consent for over {$42.00}, 000 monthly and later over {$22.00}, XXXX a month. My phone calls and e-mails were ignored. In XX/XX/XXXX I was asked to submit application to lower payments. Last ten months I was charged {$280.00}, XXXX In XX/XX/XXXX, a week ago XXXX from the Chase Team called me that loan payments will not be lowered because I will be dead in XXXX, 20 years from now when loan matures This is fraudulent deception and worst discrimination possible
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (WA)

CREDIT ACCEPTANCE CORPORATION has been committing usury on my loan and in fact they also violated my SMCRA. So, I have a 22.99 % interest rate with them have since I signed in XXXX. I am a veteran first and foremost, and at the time was protected by the Service member 's civil relief act. They didn't acknowledge that and they took advantage of me, my interest rates was supposed to be capped at 6 % while I served on XXXX XXXX and they did not do that. Instead I didn't even know what my interest rate was until XXXX as I wasn't knowledgeable on anything I just needed and wanted a car being that I needed to get around as a XXXX. the 2nd red flag is they are committing usury, and are very aware of it, I spoke with them about it and it wasn't a good conversation. I bought the car in Louisiana, and the interest cap is and was at the time 12 % APR, yet I still have a 22.99 % APR. I spoke with a manager at the companyon XX/XX/XXXX who was very rude and kind of upset that I brought up the legalities of the situation. To sum up our conversation he literally told me to take them to court. He and other representatives I spoke to seemed to not care at all about the corp. wrong doings.They offered no resolution for the situation not even trying to fix it now, the manager was only worried about a payment. So for me, a United States Veteran who answered the call, served so they can even have the right to be a corp. was taken advantage of by this company. They didn't follow state guidelines and laws or even the Federal Act that was put in place to protect service members they took advantage of my ignorance with financing a car. It's not fair and not right. I really hope the government intervenes and stops them, because if they aren't stopped so many more citizens will fall victim to their cruel tactics. Thank you for allowing me to share.
Consumer complaint received 2023-09-01
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AL)

PROCOLLECT , INC XXXX This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The company did not provide accurate information. How can I make a payment when every time I try they tell me to send my ID and never approve it and everytime I call to make a payment the representatives tell me the same exact thing? I have full recordings of the conversations I had with the representative telling me several times they have to transfer me to make the payment and when transferred Im rerouted to the fraud department.
Consumer complaint received 2023-09-25
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. (DE)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (HI)

15 of the United States Code, Section 1681b, specifically addresses permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ). Subsections ( a ) and ( c ) outline important provisions related to accessing and using consumer credit information. Here 's a breakdown of each subsection : Subsection ( a ) of 15 USC 1681b : This subsection delineates the permissible purposes for which a consumer report may be obtained by a third party. Permissible purposes include : For use in connection with a credit transaction initiated by the consumer. 
Review or collection of an account of the consumer. 
Employment purposes, including evaluation for employment, promotion, reassignment, or retention. 
Underwriting insurance. 
Government license or benefit determination. 
Legitimate business needs in connection with a business transaction initiated by the consumer. 
Subsection ( a ) serves to establish guidelines for the lawful acquisition and utilization of consumer reports, emphasizing the importance of appropriate and authorized access to such sensitive information. 
Subsection ( c ) of 15 USC 1681b : This subsection imposes restrictions on the use of consumer reports obtained for employment purposes, specifically regarding adverse actions based on information contained within such reports. 
Before taking adverse action based on information from a consumer report obtained for employment purposes, the user must provide the consumer with : A copy of the consumer report. 
A summary of consumer rights under the FCRA. 
Notification of the adverse action to be taken. 
Subsection ( c ) aims to safeguard the rights of consumers by ensuring transparency and accountability in the employment screening process, enabling individuals to address inaccuracies or discrepancies in their consumer reports. 
In summary, Sections 1681b ( a ) and ( c ) of Title 15 delineate the permissible purposes for accessing consumer reports and impose requirements on users to adhere to legal guidelines and provide necessary disclosures to consumers, respectively. These provisions are integral to promoting fair and responsible practices in consumer credit reporting and employment screening. 


XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I consolidated my FFEFL loan with NELNET in XXXX in order to take advantage of the new XXXX XXXX repayment plan as advertised, after being advised by NELNET I'd be able to lower my monthly payments and repay or have my loan dismissed sooner. 

Now I may not qualify for XXXX or will I? I have been on the phone for XXXX hour and XXXX minutes without speaking to anyone. This is the 7th time I have called.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX