davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (CA)

Ive been defrauded by XXXX XXXX. They are a lender who are predatory and deceptive. Ive found out how pervasive their deceptive practices are just recently and how theyve gone unchecked and unreported. XXXX XXXX  has lied about the terms of their loan. They are not transparent about the implications of their interest rate or the terms of their loan. For example I borrowed {$1000.00} in XX/XX/2023. I was told initially I had a {$250.00} payment a month. Then they started withdrawing {$500.00} a month. On approximately XX/XX/XXXX of this year, after paying XXXX XXXX approximately {$840.00}, I believed I was reaching the end of the loan soon. I called XXXX XXXX  to get the payoff balance where I was told that by XXXX XXXX I would owe another {$1800.00} on top of the {$840.00}. Ive already paid. I asked to speak with a supervisor and was bounced around. Finally I spoke to a supervisor at XXXX XXXX and they do not dispute these facts. They stated they would let me off the merry-go-round if I gave them another XXXX dollars by XX/XX/XXXX. Making their profit 85 % since XXXX of this year. Ive stated to them in writing that I am over XXXX XXXX XXXX and a XXXX vet on XXXX and that I am on a fixed income and I can not afford that and I would never of done the loan if I was not deceived. 

I ask XXXX XXXX to cease and desist and to close the loan. I request that a reasonable and customary interest rate be applied which I believe to be no more than 20 % or {$1200.00} total for this 6 month loan leaving me with another {$350.00} to pay XXXX XXXX by XX/XX/2023. I have reached out to XXXX XXXX numerous times to try to rectify this with supervisors and I am not getting any help the last transmission. I tried contacting XXXX XXXX XXXX XXXX XXXX and no one has contacted me or tried to work with me or help me.
Consumer complaint received 2023-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

On or about XX/XX/XXXX, I was notified by United Wholesale Mortgage ( UWM ) that my mortgage payment was late and incurred a fee. However, I noticed UWM mis-applied a partial payment instead of crediting it to the next monthly payment. I spoke with a customer service agent who assured me the issue wouldbe resolved. 

In XXXX, I noticed I was still being told I had a late payment and charged another fee. I called again, and the customer agent assured me the issue woudl be resolved and " these things take time. '' I waited. 

Then I noticed in XX/XX/XXXX, the issue is still not resolved so I emailed the company thru their portal who said the issue woudl be resolved within 7-10 business days. I subsequently received a letter stating UWM was looking into the issue, but then I recieved a voicemail from UWM yesterday ( XX/XX/XXXX ) stating my mortgage was late and another late fee was applied. 

I called today ( XX/XX/XXXX ) and the agent said she would put in a ticket to solve the problem. However, I told her that I have already had at least 3 other contacts with the company beginnign in XX/XX/XXXX. She did not have an answer. 

I have documentation from my checking account that I paid over the amount for each month. I start making partial payments for the next month beginning after the XXXX each month ( since the billing cycle runs thru the XXXX ). The customer service Agent i spoke to in XX/XX/XXXX told me she would make a note in the file to ensure any payments made after the XXXX would be applied to the following month.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-10-01
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. (CA)

XXXX has reported the wrong balance owed to the credit beaurus the amount of XXXX. The correct amount owed is XXXX not including the payment I made that's pending to post. I included screenshots of what the bearus say I owe XXXX shots from my account of what I actually owe. including my social and I'd for verification XXXX
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had a credit card with Capital one that I closed earlier this year. Part of the balance had a 0 % interest rate until XX/XX/17.  Earlier this month I made a {$500.00} payment to pay off the 0 % balance prior to the promotional period expiring. After a few days of making the payment I contacted Capital One to ensure the payment had been applied to the correct balance as I did not want to pay a year worth of interest once the promotional period expired. Long story short, when I called Capital One I was informed that the lump sum payment I made was applied to my other balance and only {$55.00} was applied to the promotional balance. I asked the rep to pay off the promotional balance, but she said she could n't as their policy does not allow them to do that. I asked to speak to a Supervisor. I spoke to two supervisors who told me the same thing. I argued that it was not fair for them to refuse to allocate my payment to my promotional balance in order for them to charge me a years worth of interest come XX/XX/XXXX, but they refused to oblige to my request/demand. In XX/XX/XXXX I enrolled in a Debt Management Plan, and they refused to enroll this card to the program stating the reason being part of the balance had promotional interest on it.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I got an offer for XXXX Amex points after spending {$20000.00} in 3 months on the Amex Business Platinum card. A week after receiving the card, Amex replaced the card because there was an issue in their system with the card number. I then met the spending requirement on the new card they sent me. The bonus never posted because of a glitch in their IT system. I opened a case with Amex and I was told I would get the bonus but I still never got it. ( The XXXX points I currently have are from my other amex cards )
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my Transunion and XXXX Credit reports. The Transunion and XXXX report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with transunion via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my transunion credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from transunion and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
Consumer complaint received 2022-09-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate credit information. 
I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX has ignored all emails sent to them requesting updated statements on all active accounts. I have no clue of my balances owed or paid. I have requested several times for statements to be mailed to my address. It has been months since I actually received statements by mail of all active accounts that I currently still have with them.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

I requested to have my CD Account that I opened 3 years ago with Chase Bank. Upon trying to close this account, chase said that because I can't go to an in person branch, because I live an hour and a half away from any, I would have to get a notarized letter of wanting to close the account. This was all on XX/XX/2023. The same day, I got a letter notarized and emailed it to the associate I was assigned. He never said anything or confirmed receiving it. On XX/XX/XXXX, I reached out to ensure he got it and he said he did and quote, " The account should close in 3 business days, after the account closure you should receive a cashiers check within 7-10 business days. '' By XX/XX/XXXX, I still had not recieved anything. No update, nothing. The associate reached back to me and said : " I spoke with my back office regarding the delay for closing your CD and having a cashiers check issued. The notarized letter you provided was valid and the request that I submitted was valid and received, but no actions have been performed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is responsible for closing accounts that can not be closed in a branch. 



I had my back office submit an Escalation Request regarding the delay for closing your CD, the Escalation team will contact me within 3-5 business days or sooner to help resolve the issue. I do apologize for the delay by the XXXX XXXX XXXX XXXX and I will keep you updated as I receive updates from the Escalation Team '' The escalation team reached out to me a few days later but was no help. It was a foreigner who did not know what he was doing and only called to tell me that it would take the escalation team 5-7 business days to " investigate ''. Well, about a week later, he calls me again to tell me that the problem is that I did not send a notarized letter to close the account. I did, and it was confirmed on XX/XX/XXXX. I told him this and he said that they would have to investigate it again, and it would be another 5-7 business days. 

That was XX/XX/XXXX. I reached out to the original associate working on the case to express my discontent with how this is being handled and asked to speak to a manager or supervisor and never got any response. It is now XX/XX/XXXX and I have not recieved any information or update, essentially being left in the dark about MY money for over a month now.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I was not well informed by the school or the loan provider about the process and the future implications of the cost of education. Then working with XXXX XXXX and then Navient has been frustrating. I can not afford even the lowest payment they have offered me even though I have a XXXX degree. I am continuing my education just so my loans are in deferment. I know this is not the answer but owing {$180000.00} in private and federal loans, with XXXX small children, making less than {$50000.00}, I have been given no choice in the matter. My hole just keeps getting deeper and deeper and there is no hope in sight.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (OH)

To whom it may concern : On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not actively publish information about any case to credit reporting agencies. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-06-24
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. (FL)

Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX  XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX  XXXX  is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (MD)

I am a Service member and I fall under the Servicemembers Civil Relief Act Benefits. On XX/XX/XXXX XXXX financed a vehicle for me, a XXXX XXXX XXXX from XXXX XXXX. I was charged a high interest rate and late fees. 

XXXX
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company (WA)

We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance. 

In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.