davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF EDXXXX XXXX. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXX of XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (VA)

I have 3 cards from this company. A fourth from work. This company has literally gone after me for my occupation XXXX XXXX XXXX and because they are a pos company. 

1. I was refused travel card priveleges due to late payments while the agency was new. IOW the my delinquency which shut off my access to the card and ability to travel was largely due to the travel Dept, for which you XXXX XXXX and the then cfo asked for adjustments, which was denied. 

2. I am now in a XXXX status with no regular income. The bank, upon request for help, froze payments, closed my card, eliminated my XXXX ' access, eliminated my citi app access, adjusted my repayment amount 'on paper ' and refuses to send me a new repayment agreement after I told them I could not find my original. I asked for reinstatement of electronic monitoring ( XXXX and citi app ) which they declined. 

3. They use aggressive tactics that take advantage of my weakened cognitive functions due to my XXXX, forcing me to agree to terms that are unlikely to be filled. 

4. They refuse to resend me copies of my new repayment agreement. 

5. I don't understand how this behavior is legal and / or acceptable. This company is being extremely abusive and ruining what's left of my life by ruining my credit. 

I have no income and trying to get XXXX from the cfpb and from social security. I can't get unemployment. How am I supposed to pay bills or survive?
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

On or about XX/XX/XXXX, the borrower defaulted on his first lien mortgage loan, which loan is serviced by Seterus. Seterus commenced a foreclosure against the borrower on XX/XX/XXXX. On XX/XX/XXXX, the borrower and Seterus entered into a permanent loan modification under the XXXX Standard Loan Modification program. After the borrower 's loan had been permanently modified, Seterus charged {$340.00} of legal expenses to his account on XX/XX/XXXX, and another {$300.00} of legal expenses on XX/XX/XXXX. These legal fees appeared on the borrower 's mortgage statement dated XX/XX/XXXX. 

Seterus is barred from charging these {$640.00} of legal fees to the borrower. Under the XXXX Servicing Guide, Section XXXX, " [ t ] he servicer must include the applicable attorney fee as part of the amount required to reinstate the mortgage loan '' and " [ a ] ll out-of-pocket costs that the law firm incurred prior to the cessation of foreclosure proceedings must be collected from the borrower as a condition of the reinstatement or workout agreement. '' If the servicer fails to include these fees and costs as part of the workout agreement, it may not charge these fees to the borrower. See XXXX Servicing Guide, Section XXXX ( providing that " [ i ] f the servicer fails to include as part of the amount required to reinstate or pay off the mortgage loan any legal fees and costs that were incurred in connection with the foreclosure proceedings, or is prohibited from charging the borrower for certain costs under applicable law, it must reinstate or pay off the loan without collection of such legal fees and costs from the borrower '' ).
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (GA)

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) MRS BPO, L.L.C, LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, XXXX XXXX XXXX, XXXX has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Consumer complaint received 2020-02-18
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX  I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX  XXXX  from my employer.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I was charged an OBSURD amount of over {$2000.00}. IT WAS NOT ME. My phone was hacked and stolen and someone got access to my XXXX XXXX account as well as my XXXX XXXX account. My passwords were all changed and accessed somehow even found out my bank account number was leaked. THESE WERE NOT ME! I need this fixed ASAP because {$2000.00} is OBSURD! Ive never had a problem getting disputes with chase til now and I am FURIOUS that Chase is rejecting my submission for getting my money back, I am going to write a review on how Chase bank handles disputes worse than any other bank I have had in the past. ABSOLUTELY RIDICULOUS! Bank is worth BILLIONS and cant help someone get their funds back. WHAT A JOKE!
Consumer complaint received 2022-06-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Fusion Auto Finance (NY)

Dear Sir/ Madam My wife XXXX XXXX and I went to XXXX XXXXXXXX XXXX XX/XX/XXXX to lease a car. 
XXXX XXXX XXXX, a quite tan XXXX Bank XXXX Sales salesman, took a different Vender XXXX. Our lease agreement for a XXXX XXXX XXXX XXXX in the sum of {$30000.00} ( {$27000.00} + Acquisition fee {$790.00} + Sale Tax {$1600.00} ) was signed by us. In addition, XXXX valued our old car, a XXXX XXXX XXXX, at {$1500.00}. Total cost : {$32000.00}. 

Our lease was Highest interest rate 4.32 % and rather than XXXX years they signed XXXX years lease. We signed the documents without read clearly and we turst them. XXXX and XXXX RIPED US. 
Now we have XXXX month left to payoff the our car. Now we have to pay another XXXX Fusion Auto Finance. 

Their lease buyout XXXX was hired by us. However, their payoff letter said that the XXXX XXXXXXXX XXXX was {$1400.00} ( which we paid on XX/XX/XXXX ) and that the current payoff amount was {$16000.00}. ( According to a statement from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, our payoff amount should be {$14000.00}. ) They're crooks, liars, and swindlers. 
We urge the AG 's Frauds Unit to investigate this situation and bring us justice for the rip-offs and money we've lost. 

We urge the CFPB Frauds Unit to investigate this situation and bring us justice for the rip-offs and money we've lost. 
We want to pay off the car, but it must be done in a fair and reasonable Amount. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 XXXX XXXXXXXX* 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 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (CA)

I received a letter from XXXX XXXX XXXX XXXX XXXX, alerting me that I have property to claim in the amount of {$4100.00} under TR04 Escrow Accounts. The servicer that has the property is : Dovenmuehle Mortgage , Inc . 
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Dovenmuehle on XX/XX/XXXX to claim my property and they assured me the check will reach me within 60-days time. I called again today on XX/XX/XXXX and they still don't have a resolution.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

I requested paper statements. I have not received any since XX/XX/XXXX. My balance owed was approx {$5000.00}. This month XXXX I now owe approx {$6500.00} due to an interest charge of over {$1400.00}! 
I asked for a payoff statement with the correct payoff amount as of XXXX & my paper statements dated XX/XX/XXXX & XX/XX/XXXX. The online chat only allows computers generated generalized responses. 
Thank you
Consumer complaint received 2024-04-05
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: CLGF Holdco 1, LLC (PA)

They said i missed payments on XXXX and XXXX of 2024 Ill show you proof that I paid They also have other payments when I had a XXXX balance and still reported late payments when I had no balance that they said they were going to delete. Its currently 8 late payments on my credit thats reporting that I did not miss and its affecting my credit score. I am currently current on this card and have been but I keep having this issue. If they do no remove late payments I will pay the card off and close
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc. (CA)

I asked experienced depth of verification where the attorney general of Texas to provide me with a contract with my original signature of or XXXX test just say that I'm the XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS II, LLC (IN)

Creditor exclaims that I had an account with them which is not true. my identity has remained the same at a total different address reporting from them as well. However, there reporting inaccuarte information that is really damaging my credit within one credit bureau in which there are no ties to any account.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (KY)

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. XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-05-16
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX  XXXX, XXXX XXXX
Consumer complaint received 2022-06-05
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)

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that just experian has let access my files. While frozen
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NY)

I deposited a {$600.00} dollar check from my XXXX account on the XXXX of XX/XX/2021 to my Current Bank checking account. The check cleared and everything was good. On the XXXX of XXXX around XXXX {$600.00} was removed from My Current Bank checking account because the check that I deposited from XXXX months ago was canceled. After speaking with the Current customer service rep she couldn't give me a good reason other then to check to see if XXXX canceled the check. After speaking with XXXX, they have no documentation on the canceled check. They see the funds going to Current Bank but not coming back to the XXXX account. So now {$600.00} has vanished out of thin air and no one will take responsibility. 

Receipt number XXXX