davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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: DISCOVER BANK (TX)

While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : XXXX XXXX XXXX - acct # XXXX - Date opened:XX/XX/XXXX XXXX  XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX Discover Bank- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

I was in a hardship. I requested assistance with loan depot and was denied.I have not been modified. On XXXX I called and spoke to XXXX in loss mit. She confirmed my account has not been modified.I am a VA loan and a veteran. After everything I have done for my country I am being refused assistance. Furthermore, this lender is discriminating against me based on my race, national origin, and marital status. I am a qualified homeowner. I am holding down a job even though I should not be working. I have a letter from my Doctor stating that which I have attached. I am demanding that my foreclosure sale date be postponed and that the loan depot answer as to why I can'tbe modified. What is the " allowed '' number of months delinquent at the end of the trial period even mean. That is what loan depot is stating. See attached letter. What income did they even use for me??????????? Them failing to even state the income used for my review, on the denial letter makes me think this denial was based on inaccurate information. By refusing to disclose details about the modification process, Loan Depot is able to deny my request ( and whoever else 's ) without any accountability. The number of times my 3rd party had to even send in an authorization confirms my allegations. This bank enjoys to make things even harder for people who are already struggling. We had to reach out to the attorneys office and even they gave me and them a hard time. Emails are attached No one wants to do their job. They would rather sit there and collect a paycheck, unlike me who still works for a living even though I should not be. You can XXXX  me. I am work for XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Pursuant to section 169 of the Housing and Community Development Act of 1987, you may have the opportunity to receive counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD approved housing counseling agencies by calling the HUD nationwide toll free telephone at XXXX. 

I have reached out to HUD ( XXXX ) XXXX help and yet I still have a foreclosure sale date. I am also filing a complaint now regarding the discrimination I have encountered. 

Housing discrimination Based on race, color, national origin, religion, sex ( including gender identity and sexual orientation ), familial status, and disability. 
Fair Housing Initiatives Program organization. File a complaint : Online By phone : ( XXXX ) XXXX : XXXX Per the Equal Credit Opportunity Act Disclosure NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age I have been in and out of the hospital these last few months which is why I am sounding the alarm now. This should not be tolerated.There is no reason I should not be given the opportunity to save my home.
Consumer complaint received 2023-01-02
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2017-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Equifax has my name incorrectly showing on my credit report. I called XX/XX/2021 spoke with man asking him to correct my name. He told me to send copy of DL and social security card with my correct name and a cover letter stating the issue and what I wanted and to sign and date the letter. This was done and mailed to the PO Box address the man gave me. XX/XX/XXXX I called Equifax to see why my name had not been corrected yet. Lady told me I first had to verify a few things. I gave this lady my name/address & SSN as well as my cell phone number. Lady then said I had to verify more things and proceeded to ask me for all of my past employers and all past bank cards/loans/department store cards etc ... .this went on for over five minutes and I became suspicious as Id never had to give anyone that kind of information or that much information ever. I felt like my privacy was being very violated so I told the lady this seemed wrong to ask me all that personal information and ask to speak with a supervisor. The lady then said they had not received my information that I sent on XX/XX/XXXX. I verified the address I was given to send this information to and lady said yes that is the correct PO Box XXXX I then told the lady I had never in my life used the name they are reporting on my Equifax credit report and its their error so they need to update to my correct name. Lady said to call back couple days. We hung up and I called different Equifax number to inquire if this was proper protocol when they verify a consumers information. Went over issue with man who verified a few things then said hold and call disconnected. I called back spoke with different lady about this issue she said would note disputed and my name could possibly get corrected from her noting the dispute on file and to call back couple days to see if they had received the information I mailed them. Basically this would entail me being on the phone another hour and a half to resolve nothing.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/20 paid XX/XX/20 statement of {$390.00} ( total remaining balance on account ) in full which was cashed by Mr. Cooper XX/XX/20 XX/XX/20 received XX/XX/20 statement of {$2500.00} including a late fee of {$100.00} XX/XX/20 tried to send several messages through Mr. Cooper website which would not go through. 
XX/XX/20 received check from Mr. Cooper for {$390.00} with no explanation, nothing. 
XX/XX/20 promptly returned Mr. Cooper check of {$390.00} to Mr. Cooper and asked for an explanation of what was going on with statements, payments, late charges, etc. 
XX/XX/20 finally got a response from Mr. Cooper, {$390.00} payment wasnt the full amount owed HOW WAS I TO KNOW?????? They will send a payoff statement. 
WHAT A SCAM HOW CAN SOMEONE PAY SOMETHING THEY DONT KNOW THEY OWE?? 
HOW CAN SOMEONE BE CHARGED A LATE FEE FOR A BILL THEYVE NOT RECEIVED?? THIS SOUNDS TOTALLY FISHY TO ME. 
XX/XX/20 received payoff quote from Mr. Cooper, which included the {$390.00} amount ( less {$.00} ) already paid and the {$100.00} late fee THIS IS NOT CORRECT NOR IS IT RIGHT HOW DOES A COMPANY EXPLAIN CHARGING YOU TWICE AND THEN CUTTING YOU A CHECK FOR YOUR PAYMENT SO THEY CAN CHARGE A LATE FEE??? 
XX/XX/20 received letter that loan is now in default. 
XX/XX/20 sent wire transfer per mr. cooper instructions for full amount of quote. See attached XX/XX/20 received NEW quote dated XX/XX/20 and good until XX/XX/20 ( the date I received ) with an additional late fee. See attached. 
Sure sounds like a scam to me delay correspondence and continue to add on charges. Sounds like Im back to where I started in XXXX have paid the {$390.00} twice and now owe over {$200.00}. In late fees. And that doesnt even count the credit implications. This is CRIMINAL.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX should not be reporting to XXXX XXXX XXXX and Transunion that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Regarding XXXX and XXXX Hi! 
I am writing to respond to Chase regarding the privacy breach concern. The time of the phone call with the representative was at XXXX until XXXX on XX/XX/. The representative on the Phone acknowledged that there was another customer on the line due to a glitch in the system. I called the Chase team immediately after to express my concern and the team increased security measures on my account as a result of the situation, thus acknowledging that another individual was on the line and had the potential to listen to my private information, putting my account at risk.
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (RI)

The following information is not true never been there XXXX had a/an XXXX XXXX XXXX XXXX account with account number XXXX, now owed to XXXX XXXX XXXX XXXX 

As of XX/XX/2020, you owed : {$540.00} Between XX/XX/2020 and XXXX : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$540.00}
Consumer complaint received 2024-03-01
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. (GA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  # XXXX XXXX XXXX : # : XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (TX)

On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

Today I went to the drive-through at my local branch and I was told that I couldnt withdraw more than {$5000.00} because it was a branch policy. When I called the one 800 number I was told that I should be able to take out the money because its mine.
Consumer complaint received 2021-02-05
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. (PA)

Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I'm an XXXX XXXX service members stationed in Virginia who leased a vehicle through Kia motors. I provided proof of XXXX XXXX status at the time of purchase but was billed incorrectly by Kia motors some months later due to the fact that Kia motors was incorrectly applying a county tax law to my lease. I spoke with Kia motors numerous times and even sent Kia motors the actual county law, proof of XXXX XXXX ID card as well as my XXXX XXXX orders that showed me stationed in Virginia, but not as a resident. Kia motors failed to act on this information and even failed to address this with the local tax office ; which eventually led me to speak directly with my local tax office. On XX/XX/2021, the local tax office, XXXX XXXX XXXX ( XXXX ), VA awarded me a refund of those taxes and returned the amount back to Kia Motors Finance. On XX/XX/2021, I received a call from Kia motors collections, demanding that I pay a past due amount that was related to those exact taxes that were incorrectly taken. I asked to speak to their managers on two separate occasion and at both times were informed that no one was available and that they would return my call, which never happened.
Consumer complaint received 2023-07-05
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)

XXXX attempted to resolve this previously but consumer reporting agency aren't in compliance. EXPERIAN by law had 4 days to remove accounts relating to identity theft. EXPERIAN must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX XXXX is an account showing on consumer report is in violation of consumer rights including section 5 of the FTCA as well as the FDCPA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and complaints with other regulatory agencies.

Consumer has in possession proof of claim needed for lawsuit against EXPERIAN for not complying. Consumer has the right to seek remedy on invalidated and inaccurate fraudulent information effecting consumer right to do business in commerce.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

My account ending in XXXX ( Chase United Card  ) was closed on XX/XX/2021 due to my credit which has dipped due to the COVID-19 pandemic and XXXX XXXX being closed. 

I have had an impeccable reputation with Chase including my Chase Checking and Credit Card accounts. My Chase card has never had a returned nor late payment in past two year or so. My card was always paid on time. If not half the balance was normally paid off, the full balance was paid off. 

I called XXXXXXXX XXXX and they advised me that my account was closed due to credit review and there was no chance of reinstatement.
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Docuservpro dba Simple Repayment (IN)

I was contacted by a company last year. The company was called XXXX they said if I pay a consolidation fee that after a few years my loans would be forgiven. They said they would walk me through everything and keep me updated. After a few months I talked to my actual student loan provided and said I was not in such a program and that was not true. I tried to get a hold of the XXXX company and it seems like they changed names a few times. Now they are called https : //www.simplerepayment.com/ Simple repayment. When I traced who was taking the money out of the account I called the bank to stop it and the company put a collection notice out and said I had to pay or else I would be taken to court. At this point I had no contact with anyone from the student loan group or the collection agency taking the monthly deposit out. I have tried to cancel but can not and they keep taking a monthly fee out.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My long term bank, the USAA Federal Savings Bank, is requiring that I answer a number of questions of a personal financial nature before they will allow me access to my accounts. They are effectively locking me out of my accounts preventing from all functions. How can they do this?