davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (MS)

I have a loan with Lendmark Financial located in XXXX, XXXX XXXX I have a grace period until the XXXX of each month, but Ive received a phone call everyday since XXXX and 3 times today XXXX from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is very stressful as I am already dealing with health issues. A payment will be made today, I understand the contract I signed I dont need the harassing phone calls making my condition worse than it is.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Flat Branch Mortgage, Inc. (MO)

I hope this message finds you well. I want to address a matter of utmost importance. If you are unable or unwilling to assist me in filing a complaint, I kindly request that you connect me with your manager or someone who can facilitate the process. 

It is crucial that I file a complaint as soon as possible, and I appreciate your cooperation in ensuring that this matter is escalated appropriately. 

But The Manager XXXX XXXX at Flat Branch home loan not helped.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NJ)

Prior to interest restarting and payments being due, I applied to switch my current XXXX plan from the XXXX to SAVE in order to benefit from its policy regarding interest. This application was submitted/received on XX/XX/2023. Shortly after, I saw that this document/application was canceled on my MOHELA account. I called MOHELA and the representative was unsure why my application was cancelled. Trying to rectify this, the representative verbally reapplied me for the XXXX plan, stating that this was an almost guaranteed route for faster processing and assured that since there is no income cap for the XXXX plan, denial is unlikely for anyone. I even confirmed that while my monthly payment would be slightly higher on the XXXX plan vs my current ( at the time ) XXXX I still wished to switch onto the XXXX for its benefit in reducing interest. Representative agreed and proceeded with submitting my over-the-phone, verbal application. This was submitted/received that night on XX/XX/2023. Although not necessary, I submitted a XXXX to re-certify my work of employment to ensure that everything was correct. This was submitted/received on XX/XX/2023. Another error was again made while in the process of processing my requests/applications as only a few of my loans were placed on administrative forbearance, while others remained in repayment. Additionally, and more concerning to me, I was then placed on the LEVEL plan. This is the standard plan, which I did NOT apply nor agreed to. On this plan, I would not receive credit for payments toward XXXX as it is NOT an XXXX plan. A few legal colleagues actually considered this fraud placing me on a plan that I did not apply for and therefore, increasing my monthly payments easily more than XXXX. I contacted MOHELA as soon as I saw this and the representative, XXXX, was floored when he saw how many errors were made on my account. He wanted to rectify this right away and submitted yet another XXXX XXXX to get me back onto an XXXX plan, more specifically, SAVE, the plan that I originally applied for. In doing so, he also made sure that all of my loans were placed on administrative forbearance during this process and they were. This third IDR plan application for XXXX was submitted/received on XX/XX/2023. Now, still waiting for all of this to be processed, I see that all of my loans have re-entered repayment today, XX/XX/2023, and are ALL still on the LEVEL standard plan. My next bill is {$680.00}, due on XX/XX/2023. I had even submitted a payment on XX/XX/2023 for {$540.00} just to manage my compound interest ( even though at that time, my loans were still correctly on administrative forbearance ).
Consumer complaint received 2023-12-10
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: Experian Information Solutions Inc. (PA)

On XXXX XXXX XXXX  I advised the 3 credit reporting agencies EXPERIAN XXXX AND XXXX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (CA)

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -Experian -- -- - XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-10-06
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. (CA)

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXX FIN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (TX)

I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called Truist. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from XXXXXXXX XXXX  I did not authorize. I was unable to get in touch with them by phone.
Consumer complaint received 2023-10-06
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)

The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.
Consumer complaint received 2023-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.
Consumer complaint received 2024-03-13
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)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC (WY)

I have a {$810.00} loan showing on my credit report from XXXX XXXX the loan amount was for {$500.00} paid from XXXX XXXX years ago. In XXXX of 2023 I paid {$680.00} to XXXX XXXX XXXX in regards XXXX XXXX I have the receipt and XXXX XXXX  says that XXXX XXXX was paid..
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit card account was prematurely and summarily closed by Capital One, unbeknown to me, at the end of XX/XX/XXXX. I never received by mail or email, any notification from CapitalOne of pending closure of the account. I did receive a message on my home phone on XX/XX/XXXX requesting that I contact Capital One prior to XX/XX/XXXX ( not a typo ), to answer some questions. I have retained the audio message. There was no urgency indicated. As my identity was stolen in XX/XX/XXXX, I am vigilant regarding my credit accounts. The phone call reminded me of a phishing scam, which did not warrant follow up. I did however log onto my online account. There were no messages or notifications online indicating any problem. The account was current. 
On XXXX XXXX, I attempted to access my rewards points, only to find that my account was restricted. A customer support representative was unable to assist me. I was subsequently transferred to XXXX ( employee # XXXX ). I answered several questions regarding my business, which apparently were required by federal law. As she was unable to remove the restriction on the account, she had to consult with her supervisor, whom I was not allowed to speak with. After 45 minutes, I was told that not only was my account restricted, but closed. I was given no reason for the closure, nor the opportunity to speak with a supervisor. I was told that I had forfeited my rewards points ( XXXX points ), and that there was no recourse. The decision was final. 

I am dumbfounded that CapitalOne would choose to treat a long time client in this manner. From a customer viewpoint, confiscating my rewards points is theft, and a very bad business decision. I have been in business for more than 30 years. If I treated my patients this way, I would be reprimanded by the Medical Board and probably lose my license. I am asking that CapitalOne re-activate my account, or at a minimum, allow me to use my points, transfer the points, or reimburse me for the cash value of the points. I would also like an explanation for why my account has been closed. This can have an adverse effect on my credit score which is not warranted.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian has not responded in a timely manner to notification that the company is not reporting my credit history. They were notified at the end of XXXX, by my credit union that the Experian credit report was not posting data about my account, which had been sent to them. Subsequent to this failure on their part, they eliminated my XXXX score. They have been notified by me of the problem. It '' s been almost 90 days, since they were notified by the XXXX XXXX, and they have yet to update my credit report, communicate with me or even offer a valid phone number that they will answer ( the one on their credit report does not get answered ). They are clearly in violation of the credit reporting law.
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (OH)

RADIUS GLOBAL SOLUTION # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Please retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.
Consumer complaint received 2023-10-06
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. (FL)

The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

On XXXX, My Citibank Macys Credit Card was charged {$230.00} by XXXX XXXX. Upon seeing this charge appear, I filed a dispute. After crediting my account for the disputed funds, the dispute was overturned on XXXX, with the CC provider claiming that this was a merchant that charges my account regularly. When I attempted to access my statements, there were no statements available for viewing. I did not authorize any such payment and I do not want to pay for a transaction I did not authorize.
Consumer complaint received 2023-08-29
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike XXXX 's compliance. The discrepancies persisting on my report are unacceptable. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, as XXXX has done.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

The reason for my complaint is I have several AMEX cards, a combination of business and personal. Since I have been a cardholder with AMEX, I have an excellent payment history across the board with all the cards that I have with them. Secondly, I reached out to them requesting a credit limit increase on 3 personal credit cards only. AMEX sending information as if I was trying to purchase a home or apply for a mortgage. In regard to demanding documents if you were trying to buy a house vs a credit limit increase on a credit card. I have numerous other credit cards with major banks such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX etc. None of them ever requested documentation as if I was buying a home as AMEX did. Furthermore, as stated I wanted to inquiry about credit limit increases on American Express XXXX XXXX XXXX XXXX XXXX XXXX America Express Cash Preferred XXXX XXXX XXXX XXXX American Express Hilton Honors Surpass XXXX XXXX XXXX. Between these 3 credit cards I have a total credit limit of {$18000.00}. Why did AMEX send me a response as if I requested credit limit increases on business credit cards that I have with them. Which I did not. Moving forward, I know AMEX is a business/company and I have limited or little rights as a cardholder because they can change rules or policy on the fly. But this is totally ridiculous for them to act like I am applying for a mortgage vs a credit line increase on 2 cards with XXXX limits each and another with XXXX.
Consumer complaint received 2023-10-06
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: JPMORGAN CHASE & CO. (KS)

I went online to my account and paid the full amount that was owed and called Chase that same day and told them I was closing the account. 

Almost 2 months later I get a text and an email stating my account is past due. I looked online and the same day my payoff was posted, other charges were posted. along with {$95.00} of interest. I asked them what that was about they claim it is billed in arrears and these were charges coming over on next statement... I told them that when you pay online it does say this is not your payoff, like an auto loan or home.. I never received a notification stating that I owed any more money until it is 16 days past due. 

I had an account with them for like 10 years maybe more have paid tens of thousands of dollars and have excellent pay history with them, this is so deceiving and completely unacceptable. 

I attached a copy of billing charges and a screen shot that shows amount owed and underneath states current balance not a statement that this might not be your payoff so contact us .....
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Within the past five years, I opted out of receiving credit card solicitations with the Federal Trade Commission. Capital One has violated that twice. The first time was about a year ago ; the second time was yesterday. This is the only company that has violated the ban.
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

Received letter from debt collector in the mail on XX/XX/2023 Responded and sent debt validation letter on XX/XX/2023 by certified mail. 

They received on XX/XX/2023. 

However, they keep calling me and telling me to make a payment without validating the debt as of XX/XX/2023. 

Its a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter