davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX  to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

While moving out of my long time residence in XXXX, CA I began the process to cut off my services in XXXX of XXXX which included the phone, internet and XXXX, which were all included in a single bill. Initially the final date I relayed to XXXX XXXX XXXX was the XXXX of XXXX but because of delays in the move was extended to XX/XX/XXXX. Because XXXX ended up mistakenly cutting off the satellite service on the XXXX I had to call them directly to extend it to the XXXX. I left the house for the last time on XXXX XX/XX/XXXX and turn in all the equipment as required to the local XXXX office. Although I assumed all the services were ended properly I continued to get bills from XXXX ( not from XXXX XXXX XXXX ) so I called several times to rectify the mistake and finally sent a detailed escalation letter to them in XX/XX/XXXX. I felt at this point they finally realized their mistake and closed the bill but in XXXX of XXXX I then received a collection notice from Afni, Inc. for the disputed amount. I recently forwarded them a dispute letter along with other pertinent details of the situation. I have no idea why XXXX is unable to verify the fact I no longer lived at the XXXX residence, nor retained any of the receivers or remotes after the XXXX of XX/XX/XXXX. This should be an easy task on their end especially since I went above and beyond due diligence to work with them to correct this.
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingUSA (NY)

On XX/XX/2021 I got a personal loan from Lending USA, as I'm on full social security XXXX, trying to make ends meet. This so called " bank '' pulled a predatory lending practice and scheme on me that imposes unfair and abusive loan terms, a jaw dropping interest rate at the tune of nearly 21 %, stripping me of any money I have to live on. This bank 's deception to get me to take out a loan I couldn't afford when they approved me and can't afford now with the high living costs is a pure predatory lending scheme they baited me into. 

I made attempts with this bank, by phone, to lower my interest rate or allow me to skip a month or XXXX ( putting loan missed on back end ) but they instill fear in me by telling me that a ) they won't lower the interest rate to allow me to survive and make ends meet and b ) they allow any extensions and c ) if I don't make payments as promised they will destroy my credit by contacting the credit bureaus as a fear tactic to force me to pay their 21 % interest that they knew in advance I couldn't pay for BEFORE granting me the loan.
Consumer complaint received 2019-11-21
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: SYNCHRONY FINANCIAL (VA)

I am on social security disability my ssi can not be garnished by XXXXXXXX XXXX XXXX XXXX  and I don't have to pay them back. My money is federally protected because it is direct deposited into my account monthly.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ADVISORS MORTGAGE GROUP, LLC (NY)

We, my bother and I, closed on our condo on XX/XX/XXXX. We were told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

On XX/XX/XXXX my brother emailed XXXX XXXX at Advisors Mortgage- the loan manager and branch manager- with this issue and he said he did not know why that was. We also wrote that we were planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help us with refinancing and check why mortgage was not showing as reported on my credit reports. 

We spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. We also raised the continued issue of mortage not being reported to my credit reports, non of the 3 credit bureaus showed history of us having a mortgage. XXXX said that he would have to run our credit reports once again to see that it was not showing and then tried resolve it. We did not agree to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the 3 credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX co-signer : XXXX XXXX XXXX ( brother )
Consumer complaint received 2019-07-19
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX last ss XXXX. I am trying to pull credit report but Equifax and only equifax cant provide a report for me. It looks like they dont have info on me. They cant disclose any info with me because they're unable.to verify me. I tried calling the company but they cant help me because they're unable to verify my identity. They had me send documentations to prove my identity and I have return receipts but they say they never received it. I've mailed them twice and faxed twice now. I dont know what exactly is going on with my acct. I cant talk to anybody from equifax without them being able to prove my identity. Last time I called.them in XXXX they made it sound like everything was taken care of. Now that I'm trying to buy home I bump into this problem again. Please help me get this situated. Thank you.
Consumer complaint received 2022-05-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-10
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX I was disbursed XXXX XXXX XXXX XXXX by XXXX XXXX . In XXXX, I requested a loan repayment plan to begin the XXXX XXXX XXXX XXXX process. I was informed that my loan type did not qualify and instead the company consolidated the loan into a private loan type. Given the recent updates to the XXXX and the temporary waiver put in place, I learned that my original loan type did qualify and that the lender lied to me in order to get me into a high interest private loan product.
Consumer complaint received 2022-05-19
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. (PA)

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, has violated my rights. The date opened, No. of months, last reported, comment, last date active, and date of last payment differ when comparing my XXXX and Equifax consumer reports differ so they're inaccurate. This is also a violation. This account is negatively impacting my ability to secure credit and loans. 

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 2020-02-26
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. (CA)

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00} I HAVE SETTLED AND CLOSED THIS ACCOUNT.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

I have contacted this company numerous times requesting back up documentation of a debt they are reporting on my credit which I have no knowledge of, all I am being told is the amount owed and that it has been verified as me, HOW? Where is my signature or back up documents? ... .this is a result of identity theft, I have also disputed with the credit bureaus and they have not gotten anywhere as well. I am asking for this company to provide valid VERIFIABLE proof with my signature to confirm this debt, if they continue to not do so I am requesting to have them remove this debt from my credit that they have been falsely reporting.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (WI)

LJ Ross Associates I have sent two letters of verification stating to please validate that these debts belong to me and please also show me the original contract of each debt. I would like to investigate the accounts listed below that the validity of the accounts are correct as well as providing documents with my signature and date and dates of service, that prove the debt is mine. As it states above, if you can not provide these documents to prove the debts are mine, I request that these accounts be removed as well as from the credit bureau in the allotted time. 

LJ Ross Associates have not been able to validate these accounts with the documents I had asked for in the allotted time. I know LJ Ross Associates have received my letters of validation as I have sent the letters as certified mail starting on XX/XX/2022. The amounts are {$10.00}, {$180.00}, {$1000.00} This company has over 100 complaints just for debt with the CFPB. How can this company be trusted? 

This company has also sent medical information that they should not have access to that violates my right to privacy and has violated HIPPA. This needs to be STOPPED!
Consumer complaint received 2022-05-19
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2023-06-22
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-12-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

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. 

PORTFOLIO RC XXXX PORTFOLIO XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2024-02-09
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. (CT)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2022-12-16
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2023-08-18
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 — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I started working with Chase Bank to solve my mortgage delinquency back in XXXX. When covid came they experienced some of the same service problems that everyone was experiencing. It was very difficult to reach some one and when I did, they were new or overworked so I got nowhere. They just kept putting me in a forbearance. Finally in late XXXX someone told us about XXXX XXXX XXXX Ohio ( XXXX ). I applied and was denied and sent to a Housing Counselor. She was able to get XXXX to approve our file. This is where the problem with Chase continues. On XX/XX/XXXX we owed {$25000.00}. XXXX had XXXX for us. All we had to do is give Chase XXXX. They would not take it. I have been trying for months to get them to take the money, hold it, tell XXXX  the difference is there so they will send the XXXX. They won't. On XX/XX/XXXX it went up to {$26000.00}. Chase still won't take the money. Now XX/XX/XXXX its {$28000.00}. Chase still won't take the money and now I don't have {$3600.00}. XXXX has been telling us for months that they have sent Chase the conditional approval. ( That is what they say they need ) Chase keeps saying they don't have it. I'm stuck in a loop. I need help. I am going to lose my house.
Consumer complaint received 2019-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX : Payment of {$18000.00} made to Wells Fargo for a private student loan The 'Details ' link shows : Private Student Loan Principal XXXX Interest XXXX Late Fee XXXX Total XXXX The Wells Fargo   online banking shows I owe {$130.00} as an Outstanding principal balance. 

Further, the online banking shows I owe {$280.00} on XX/XX/XXXX. 

The loan is paid off in light of the Principal, Interest, and Total which was paid in full on XX/XX/XXXX. 

I spoke to the Executive Office at Wells Fargo ( Case ID XXXX ) but they insist that more interest was being added.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 {$12000.00} 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.
Consumer complaint received 2023-06-22
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.