davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

I am a XXXX XXXX  service-connected XXXX veteran who's XXXX 
XX/XX/XXXX : I called to request a mortgage assistance application. I called Loancare and spoke to a representative explaining my current financial situation was a financial hardship due to an emergency XXXX XXXXXXXX, and adjusting to life after a divorce. The representative stated I qualified for deferment and forbearance. The representative explained to me that the company was supposed to allow me to resume the same payments from my previous COVID financial issues. Instead, I was forced to pay more than my original mortgage payment ( {$2100.00} at XXXX interest rates ) but now it's ( {$2500.00} at XXXX interest rates ). The representative stated she would send the application to me in the mail. I did not receive the application until late XX/XX/XXXX. 
I tried to make a partial payment but the Loancare system doesn't even allow for partial payments. 

On XX/XX/XXXX : I emailed a Mortgage Assistance application form they are attached below : XXXX pages of the mortgage application, borrow expense form, taxpayer consent form, with the divorce decree, veteran benefit statement, XXXX months of bank statements, and XXXX months of pay stubs. 

On XX/XX/XXXX : I called Loancare to check on the status of the application, the representative stated XXXX boxes weren't checked and a taxpayer consent form was not submitted. 

On XX/XX/XXXX : The document with the missing XXXX checked marks was resubmitted ( attached below ). 

On XX/XX/XXXX : I called to ask for the status of the mortgage assistant application. The representative stated that the application was denied today due to a missing taxpayer consent form. I asked to speak with a mitigation representative then the gentleman disconnected the call in my face. 

There was no email confirmation ever received from Loancare confirming that they received the application. We received negative credit reporting while requesting assistance. 

There's proof of discrimination from this company. This is the third time I have encountered financial issues with this company. This company is trying to XXXX over a veteran that served this country and the freedoms of its citizens.
Consumer complaint received 2024-05-16
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: ENOVA INTERNATIONAL, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MO)

Ive called XXXX and chime for XXXX months now they each say the opposite chime says they submitted my payment history and XXXX says they havent looking for a credit attorney at this time Ive tried for XXXX months and called them over XXXX times
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

ALTISOURCE/ XXXX XXXX DID A HARD CREDIT PULL WITHOUT MY AUTHORIZATION ON XX/XX/year>, IT IS REPORTED ON XXXX XXXX XXXX AND XXXX
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (GA)

In XXXX of 2023, I realized that it was going to take much longer to return to work after being laid off from XXXX. This was contributing to my financial runway becoming more of a challenge to make payments. When I requested a forbearance, it was denied then later they offered making payment arrangements, what was unclear to me was the gross amount of daily interest being calculated against this loan product which became known the moment I put the house on the market and needed a payoff quote. It was then I realized that over a 5 month period of time this loans compounded interest accumulated to $ XXXX, which is predatory lending at its best. I requested forgiveness of this interest. The company was very slow to produce a payoff quote after multiple request by myself and the title company with zero ability to rush thereby causing the closing date to move on several occasions, while the interest continued to accumulate. While I am fully responsible for late fees and potentially some amount of fees associated with late payments but to amass this level of interest is highway robbery at its finest and Shellpoint should be penalized for this practice. My loans interest rate was 11.75 % already 3x of the going market rate, and that loan product already accounted for risk of default, to double down with daily default interest calculation on top of this high interest rate is criminal.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CT)

I made a payment of {$2500.00} on XX/XX/2023 on EdFinancials new website : EdFinancial.com/Myaccount. I received a confirmation email with confirmation # XXXX. They told me the payment will post no problem. The payment is STILL not posted on my account. I was told to wait 120 days it is now 217 days out. I have called multiple times, emailed multiple times. Uploaded proof of payment email and records from my bank showing the payment. My account has still not been adjusted. My balance should be {$5700.00} not XXXX. PLEASE help!
Consumer complaint received 2024-01-25
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: TRUIST FINANCIAL CORPORATION (FL)

hurricane XXXX flooded our home XX/XX/2023. we hired a Public Adjustor. we received a check for $ XXXX plus and Truist is holding the check and will not pay us any funds to repair our home. we owe aprox. $ XXXX on the home. we make appointments for them to inspect repairs that have been made and within XXXX hours they cancel appointment. they refuse to tell us why, they refuse to fund for repairs needed. everytime we try to cash smaller funded checks ( {$500.00} ), they tell us branch managers must approve, then branch manager says they can not approve. then we have to send the checks to the bank and they hold them. they refuse to expalin why they will not give us the difference between the mortgage amount owed ( $ XXXX ) and the $ XXXX they are holding. can not repair the home, can not live in the home without further repairs that they refuse to give us our money for.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account ending in XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to discuss a closed/charged-off account in the amount of {$2400.00} associated with my name and the above account number. After a recent review of my financial situation and credit report, I am seeking a resolution that would benefit both parties. 

I am proposing to settle the account for full satisfaction for the claim in the amount of {$250.00}. In exchange for this payment, I respectfully request that Capital One agrees to remove this account from my credit report. I believe this resolution would provide a fair and mutually beneficial solution, allowing me to take a positive step towards rebuilding my credit and financial stability while ensuring Capital One recovers a portion of the owed amount without further collection efforts. 

If you agree to this settlement offer, please arrange for an online payment invoice to be sent to me, or provide instructions on mailing a check to the address you prefer.
Consumer complaint received 2024-07-25
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

Upon purchasing furniture with Raymour and Flanigan, I was told and provided paper work that clearly stated the purchase ( made on XX/XX/XXXX ) was no pay, no interest for one year. They sold the account to TD Bank and it was reported as a charge off I believe in XXXX of XXXX. I did not get an alert until I attempted to get a XXXX XXXX loan.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts : 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 2024-01-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NH)

I opens up CareCredit card XX/XX/XXXX. XXXX. Made my first payment XX/XX/XXXX XXXX that is minimum. XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX payment. On XX/XX/XXXX I was charged late fee. Told they would wave late fee only one late fee was waived XX/XX/XXXX it said I had balance past due XXXX it wa incorrect I had made 3 payments to this card. CareCredit tell me beacause i didnt wait bill to print made payment early I owe them XXXX payment is due today Im gon na be charged late fee. Also told me that they never prossesed one of my payments that unfortantly theres nothing they can do proof they got money bank stamens Im not allowed to make payment early that payment is due XXXX of each mth
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (AL)

On XX/XX/24, I contacted Spring Oaks Financial to request a settlement for deletion agreement. I alerted them that this was on my credit and prevented me from acquiring a rental apartment or a place to live. After they passed me off to about 3 people they agreed to settle the debt which was for two accounts, the first was for reference number XXXX had a balance of {$1000.00}. and they agreed to settle it for {$590.00}. The second reference number is XXXX, the balance on this account was XXXX and the settlement amount was to be {$930.00}. 

Before ending the call with the manager, I was told that there was a portal I could log into to set up arrangements and or pay on the account ( s ). The debts were to be set in that payment portal for XX/XX/XXXX, and the settlement amounts were to be updated to reflect the amounts agreed upon. Therefore I logged into the portal to input my bank routing number and account number so that the payments would come out on the XXXX which was the date agreed upon by the agency and me. 

Upon putting the information in and finalizing the arrangement, I noticed that the agreed-upon amounts were not added as I was told. One of the dates was for the XXXX and the other was for the XXXX. The following day I contacted the company and let them know that I was going place a stop payment on the account that was going to go out on the XXXX. I also requested that the settlement amounts be added to the agreement as well as to the payment portal. My reasoning is, that if the agreed-upon amounts were not shown they can still say that I have a balance. 
As I was speaking with the representative she told me that they could not put the agreed-upon amount on the documents.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

I received a XXXX XXXX XXXX Saying, " I'm calling in regards of a complaint scheduled to be filed out of XXXX XXXX ( MN ... never lived there ). If you have any questions or concern will be available to receive signed documents to your residence on XXXX XXXX XXXX ( again this is a client of mine XXXX XXXX XXXX XXXX located in MN ) you need to contact office immediately at tel # XXXX with case number XXXX. Speak with you today or they may move forward and make decision without your participation or consent you have been notified '' I spent over XXXX hours on the phone first with XXXX that called getting no real info & them telling me they only had limited info. told me it was a debt from XXXX with Citibank for {$1400.00}. I explained I never did biz with Citibank and they were ignorant saying if I wanted info I had to get served and go to court for info. The said they were with attorney XXXX XXXX XXXX in XXXX XXXX. I called there they were unaware of anything. I called Citibank ( XXXX the long tome on phone ) and they had no record of me. 

I'm concerned because the original collector has my SS # and my address and I am afraid of some type of fraud.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (CO)

I received a call from Frost Bank 's Fraud Department on Friday, XX/XX/XXXX that someone had successfully opened an account in my name. As of today, the account that had been opened has been closed but was requested to file a report.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (PA)

SPRING OAKS CAPITAL LLC., ( ie : XXXX XXXX XXXX XXXX ) is in violation of multiple laws set forth by Congress in regards to the following account # ending in XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SPRING OAKS CAPITAL LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, SPRING OAKS CAPITAL LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SPRING OAKS CAPITAL LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of SPRING OAKS CAPITAL LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-25
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. (TX)

This is my formal complaint to EXPERIAN. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Consumer complaint received 2024-07-25
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-14
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. (CA)

I am disputing a fraudulent inquiry on my credit file from XXXX XXXX. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with Experian as well as contacted XXXX  and requested it to be removed and any cards canceled
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/2024 I noticed there was a number of transactions dating back from from the XX/XX/2024. These charges equaled {$3300.00}. All the payments were made to the same merchant. It also shows the merchant is outside of the county. I didnt recognize the charges so I called Citi bank to dispute. 

On XX/XX/2024 I received a letter stating that I am responsible for the charges and they wont issue a refund. How am I responsible for charges when I didnt even authorize them. 

I attached an example of said transaction