davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have tried at the beginning of the modification that was given which was XXXX. I told them that it was too expensive and if they could make the forbearance payment more affordable to XXXX that I could make the payment and not fail any payments. Select Portfolio Servicing refused to help me. Whenever I called every one was basically rude to me. I struggled for 3 months and made the XXXX payments after then I knew I couldn't make those high payments anymore. I applied for a new modification for a affordable payment and yet I have been denied. When I call they tell me that my mortgage has been turned over to an attorney for legal action. I need to keep my home but I need the mortgage company to please work with me. I am trying to avoid bankruptcy in order to keep my home. I don't to go that route. Can I please get some help so I can bring my mortgage payments up to current please? Thanks
Consumer complaint received 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I am unable to use this Amex gift card online on XXXX or on XXXX. It was advertised as a card that could be used " anywhere Amex is accepted '' and this is not true.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital one bank is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with capital one bank and I have never signed any contract with that company either.
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Dear CFPD, I am writing to express my deep frustration and concern regarding my recent interactions with Navient. I reached out to request the Navient School Misconduct discharge application to get my loans discharged due to attending XXXX XXXX XXXX XXXX XXXX XXXX XXXX This institution, along with other XXXX XXXX XXXX, has been found guilty of misconduct and fraud. 

However, my experience with Navient has been extremely disappointing. I was transferred from representative to representative, with none of them addressing my request adequately. One representative even claimed that the application either does not exist or is in the early phases of being rolled out. This statement is contradictory for two reasons : firstly, they initially claimed the application doesn't exist, and secondly, I am aware of individuals who have already received this application. 

This inconsistency suggests that Navient is selectively distributing the discharge application, which is unfair and potentially unlawful. Withholding or denying access to this application from borrowers who have a legitimate right to it is unacceptable and could be considered a form of misconduct in itself.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items.

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being.

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues.

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA.

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system.

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NY)

My minor child accidentally had a fee on XXXX that she was unaware of. They contacted me by phone and our household by a letter. Both times when I spoke to them, they refused to speak to me even though I told them XXXX was a minor and was under the age of XXXX. They again refused to speak to me stating they could only give information to the child. I did not think that was accurate. I spoke to an attorney who stated in fact it is not legal to do that. She accidentally occurred without my knowledge and my name was not a cosignature. They refused to speak to me and insisted on speaking to the child. When I asked to speak to a manager, they refused to do so. This happened on XXXX separate occasions. I spoke to a third person, and after I told them I spoke to an attorney who stated this was illegal. They said they would then note in the file that she was a minor and would not continue to pursue the debt. When I asked for an email or written letter of this statement to be sure this matter was closed. They refused to give it. They states that they would notice it in her file and I could call in a few days to confirm.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (OH)

I have filed a dispute XX/XX/24 for the file I have attached the letter. They are to not contact me until the dispute is resolved. I contact them XX/XX/24 to verify the dispute. they stated they marked it. I got a call a few hours later. I got a call a second time the same day. I called your office to verify turn around time. There was no time. I got another call today on XX/XX/24.
Consumer complaint received 2024-01-08
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: TRUIST FINANCIAL CORPORATION (VA)

I had my Truist credit card fraudulently charged {$500.00} plus fees on XX/XX/XXXX. I opened up a fraud claim/investigation with the bank immediately by phone. I've been waiting for over a couple of months for the credit to be applied back to my card. I have called multiple times, gone to my branch bank, who also called for me, asked for someone to call me, and had the claim escalated and expedited. No response from the fraud unit. No one can tell me why the credit has not been applied back to my credit card. Initially, the bank said it would take up to 2 billing cycles to resolve. It is now in the 3rd billing cycle and nothing has been done. The service personnel that you talk to when you call can do nothing for you. They are there just to relay what information they have on file, which isnt much. The calls are worthless. There is no one to talk to directly about the status of the claim. The bank keeps adding interest charges and requesting payments on the account, which is illegal according to the Consumer Financial Protection Bureau. So now I have to make minimum payments on an unauthorized charge just to protect my credit, which is excellent. I was a customer of BB and T for years and never had a problem. This is the worst customer service that I have received from any bank. I think someone needs to do something. 
Sincerely,
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC (RI)

I inquired online about a consolidation loan with LendingPointXXXX on Saturday, XX/XX/24. Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from LendingPoint on XX/XX/24 stating that a Credit Decision was made based on my personal information being shared with XXXX Bank. I never authorized my information to be shared with XXXX Bank or any entity. In fact, I explicitly disallowed it. They pulled my XXXX Credit report without authorization and made a fraudulent consumer credit decision on my behalf.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAINE & WEINER COMPANY, INC. (FL)

This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (CA)

ON XXXX OF 2023 I SEPERATED FROM THE WIFE AND ALL RESPONSIBILITES FOR THE MORTGAGE PAYMENTS WERE MY LEGAL OBLIGATIONS. ALSO LOST 75 % OF MY INCOME. JOINT INCOME WAS ABOUT XXXX AFTER SEPERATION XXXX AFTER EMPLOYEE PAY. SO, I WAS NEVER ABLE TO CATCH UP ON PAYMENTS. SO, IM SEEKING HELP TO GET BACK ON MY FEET. IM ON XXXX XXXX HAS GONE UP AND IN ABOUT 2 MONTHS SHOULD BE BRINGING IN XXXX AFTER EMPLOYEE PAY. BUT FIRST I NEED TO RESOLVE ISSUE WITH LENDER OF THE PROPERTY.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp. (CA)

Hello, Relay Financial closed my account with little to no information as to why. I have a balance of {$22000.00} that I need they said they would send me a check. I honestly don't trust them. I can give more details later but my main concern is them actually sending me this check.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

Indingo Mastercard original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late XXXX days XXXX XX/XX/XXXX late XXXX days XXXX XXXXXX/XX/XXXX late XXXX days. Date opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXXXXXX XXXX  days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to concora credit they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. 2 payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. Paid XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and XXXX failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 I applied for a role at JP Morgan Chase for which I was given an offer/employment contract on XX/XX/2023. JP Morgan Chase then initiated an investigation and I was pre-adverse notification requesting information on previous employment history. After responding to this request, Global workforce screening from JP Morgan Chase on XX/XX/2023 reached out seeking a " detailed explanation regarding the closure/restriction of a Chase bank account. I responded to the request stating the account had been closed to no activity. On XX/XX/2023 JP Morgan Chase notified me stating my start date of work had changed to XX/XX/2023 however on Monday, XX/XX/2023 I was told via a phone call that my employment contract had been rescinded and that I could initiate a dispute ( which I did ). A detailed dispute filed and I also notified the Chairman of JP Morgan of what had happened. On XX/XX/2023 I was notified by JP Morgan Chase that the reason for the rescind of my employment contract was not because of the previous account information requested ( see above ) but rather a Chase business credit account which I had nearly 8 years prior which was closed by Chase without any reason given. In short my name had been " flagged '' in there systems because of this account closure which was paid in full and had an excellent history. On XX/XX/XXXX, I was told that my complaint was being further investigated by the Chairman 's office. Finally on XX/XX/2023 I was notified that JP Morgan Chase was standing by the original decision of rescinding my employment contract because of Chase business account closure from years earlier. When I asked the JP Morgan Chase representative why I was my Chase business credit card account closed when it was in good standing and I did nothing, she responded by saying, she had limited access to the information but that Chase had the right to close accounts for any reason and without explanation. I believe JP Morgan Chase has discriminated against me not only for closing my Chase business credit card account from years back, but now in the employment hiring process. I humbly request a full investigation of this matter.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (CA)

Acct # XXXX XXXX balance {$6000.00} charged XXXX, XXXX by XXXX XXXX XXXX XXXX. On XXXX, XXXX an interest fee of {$100.00} was applied putting the max balance over the limit before the first initial payment due date as the representative stated they would not after mentioning that XXXXXXXX XXXX  did, Concora representative stated they charge interest fees after the first initial payment due date.

Concora credit XXXX XXXX XXXX XXXX GA XXXX changed an interest fee putting the account over the limit before the first payment due date as done by XXXXXXXX XXXX  charge card established on XX/XX/2023 by the XXXX practice in recent filed complant charging patients to XXXX limit with interest fees putting accounts over the limit before the initial first payment due date causing consumers credit scores impacted negatively. XXXX reported complaints against Concora credit 1,938 complaints in the past XXXX years, 723 complaits in the past XXXX months. XXXXXXXX XXXX reported complaints over 5,000 in the past XXXX years over 2,000 complaints in the past XXXX  months.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the FCRA XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: U.S. BANCORP (OH)

Interest rate on mortgage was more than double prime rate for at least 7 years. Interest rate on mortgage was 7.5 % when the prime rate on mortgages was XXXX %. After 30 years I had to refinance at 2.8 % the rest of the principal. I ask US Bank to lower the interest rate for years and was denied.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Phishing attempt, from claiming to be Bank Of America. A text message was sent to my cell phone : From : XXXX Reads as : BankOfAmerica : You tried to add " XXXX XXXX '' as a mobile recipient on XXXX XXXX XXXX If this wasn't you, please cancel at the following link XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

WF issued to me a check for {$200.00} claiming that it was to remediate an error on its behalf that caused my house to be sold at an illegal foreclosure. I want to know exactly what the error is.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX has violated my ri

ghts. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

This a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (TN)

I need to inform you I was the victim of identity theft. I'm disputing the items ast they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX DPT EDXXXX XXXX