davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (FL)

My student loan started as a Federal Student Loan, then on XX/XX/XXXX I made the great mistake of transferring the loan to Wells Fargo, my payments were {$180.00} / mo., while I was working I could afford the payments, but as of this year XXXX I have been struggling to make the payment, haven't worked since XX/XX/XXXX, I have contacted Wells Fargo many, many times, in XXXX XXXX they gave me a forebearance for 3 mos. after that I haven't been able to come up with payments, Im not working-although looking, I have requested Wells fargo to lower my payments but they declined, they say I make enough to make payments. My income is solely from social security, {$1300.00} / mo of that I pay {$900.00} / mo on rent. electric bill, ph, car insurance and cable, I'm left with {$200.00} for the month for food and gasoline. I have stated to W F that I could make a $ 10-20 payment - they wont accept that. The original loan amount was {$21000.00}, as of now it has only decreased to {$19000.00}, most of all my payments for the past 7 yrs have gone to interest not principal. Can you help me in any way? My name is XXXX XXXX, XXXX, W F loan # is XXXX. Thank You
Consumer complaint received 2020-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (FL)

On XX/XX/2023, I applied for a personal loan of {$9000.00} at 28.90 % APR by Prosper. I was instructed to submit a utility bill. I then submitted a internet bill which was mistakenly in XXXX instead of XXXX. My documents were denied and my account was closed sent to me by an automatic no-reply email with no explanation. I was not once called or emailed by a real human to explain to me why this happened. On XX/XX/2023 I called Prosper and was told I would be able to resubmit the internet bill and have my account reinstated. Throughout this time, I had kept calling and different agents kept telling me that there was nothing they could do and they had no idea who would be able to help me with this. Finally, an agent told me if I reapplied I would be able to approve a new loan. So I did exactly that but the Prosper website wouldn't let me accept the loan because I already had an account under a different email address. Early this week I called and the agent helping me told me they would email me with next steps on what to do. I have received nothing. Prosper is not allowing me to resubmit documents nor are they allowing me to submit a new loan request under the same hard inquiry on my report. At this point, I keep receiving automated emails about my new loan request that has been approved but I am not able to accept it because of my older account that was closed.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

An account was fraudulently open using my information with XXXX & XXXX years ago. Police reports was filed and eventually got XXXX XXXX XXXX and the collection company they hired to removed the collection. Now I see again another collection company has attached this debt to my credit report. This is like the 3rd time Im having to fight to get this collection removed. How many times must I provided documentations and file complaints against XXXX XXXX XXXX to removed this debt
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

On XX/XX/XXXX I received notice that discover closed my credit card account due to inactivity. I have a XXXX balance on this credit card account and have since XX/XX/XXXX. On XX/XX/XXXX I called discover requesting that my account not be closed as it would be very detrimental to my credit report. The denied me this option and requested that I open a new account. I believe I have 30 days from the date of closure to request it stay open, especially considering I have no balance on that card.
Consumer complaint received 2019-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midway Resolution Services LLC (CA)

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX to set up a settlement on a XXXX loan thru XXXX. When I contacted them to ask for an extension I was constantly threaten over the phone with XXXX XXXX and also XXXX my XXXX XXXX income these threats do not comply with the FDCPA ( fair debt collection Law ). I had already made a payment to them and still would not work with me also. FDCPA and TCPA where not fully disclosed and I feel as these laws where broken by this company.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all XXXX agencies have prevented other options to get a new loan elsewhere. The HSBC/HFC local office closed down right after we got our loan and we can not get anyone via XXXX # to understand and tell us what needs to be done to get this mortgage corrected and position for new loan at less than their current XXXX % loan. We have documentation concerning payments and requests to correct issues. Attaching original cashier payment request and following payment. We have current documentation for all payments since the XXXX/XXXX/2013 Notice to Cure Request.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been with Capital one for at least 15 years. I have never made a late payment. They put a hold on my account. I have a XXXX balance as of today. For no reason they will discuss, they are asking me to provide a copy of my Florida drivers license before they will allow me to use the card again. They did the same thing several months ago and i reluctantly did so because I do not like sending that information over the XXXX to anyone who calls me or asks me in a letter to do so. When they took over XXXX XXXX credit card system, they asked me to do the same. I refused and destroyed the card. 
I believe this is a case of age discrimination ( I am XXXX years old ) or because I do not keep a balance and pay them much interest.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (VA)

Received XXXX calls on XX/XX/2023 regarding someone elses debt. Once I told them they have the wrong number, they ignored me and continued asking if I knew this person even after I told them to remove me from their contact list. They are violating the Fair Debt Collections Practices Act just by their action of trying to reach someone other than the exact person that they are searching for and violating the Federal Trade Commission.
Consumer complaint received 2017-07-01
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: EQUIFAX, INC. (AR)

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (MD)

This creditor which was hired by XXXX was paid off in full. Myself and the company had a verbal agreement " if I continue to make payment the collection item will not be reported to the credit bureau. The account is now paid off and the company has reported it to all three credit bureaus. I paid the account off in full. Now the company is refusing to remove it from my report and saying I owe them {$110.00} which was paid off in full. I have spoken to a number of representatives each time the phone is hung up or I am transferring to full voicemail. I am requesting for this amount to get removed from my credit report and to stop falsely getting accused of owing money that I do not owe. The company is a SCAM. The last two payment of {$50.00} was paid on XX/XX/2022, and XX/XX/2022, as shown on the attempt. The company accused me of not paying the remaining balance of {$100.00}. and charged a late fee of {$10.00}
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

I referred my husband thru the referral process. They sent a card we Active the card with my referral number. They refuse to credit. Several different reasons. First they said they sent a card last year but he never received or actived it making it void thru the program However Per there terms of eligibility. No activity 180 days. make them eligible .Today they say they sent a card from randomly from marketing at the same time instead of referral so it wasn't eligible. Sending a card at the same time of referral to my address at the same. time. The information they obtained from my referral. They scammed us into referring people using this information to send. Cards from referrals then saying they were marketing random people and therefore not eligible for referral money.. 
I see this as a scam they steal referral information using it letting customers believe they are going to get rewards when in fact they have no intentions but to use the information for there benefits. Refusing to apply credit often putting me on hold. 
Now after weeks of back and forth Im told my account is not eligible for refer a friend program. when I ask why they put me on hold with no answers. Put me on hold then go blank with obvious the line is still open. I don't plan on hanging up .I have been on the phone the whole time I am writing. No good answers for why they treat customer 's this way.
Consumer complaint received 2022-05-19
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. (NJ)

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 Account XXXX 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 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. (TX)

Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX, XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-19
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. (GA)

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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. (CA)

I have requested that Trans Union provide me with proof of the alleged payments being late with regards to XXXX XXXX  XXXX along with a detailed description of all procedures used in your process to determine complete accuracy of information being reported on my credit file. After waiting 60 days, I made a second request. It has not been 110 days and I have not received any documentation from Trans Union and the late payments are still being reported on my credit file.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I had asked Nationstar/Mr Cooper for two years for assistance and was told I was not eligible for any. I put my home on the market and relocated out of state. My home was on the market for a year and the offer we had would make it a short sale. We submitted all paperwork to Mr Cooper in XX/XX/XXXX and received confirmation of receipt. In XX/XX/XXXX I received a letter from Mr Cooper with regard to a modification. I called and stated that a modification was too late and I had asked for one for two years, I want the short sale processed. In XX/XX/XXXX, I received another letter from Mr. Cooper regarding a modification. When I called, I was told that although they received the paperwork for the short sale, my agent/lawyer needed to enter information on line. This was the first we were notified of this. Everything was submitted and they they said we needed updated payoff statements. We sent this and today I received a letter from Mr Cooper offering payment options. I called again, now they state that is more information needed on line. My realtor and lawyer have submitted this information numerous times and each time Mr Cooper fails to process it. I am forced to pay for utilities and an alarm system to keep the property secure. This has been going on for four months, even after Mr Cooper confirming receipt of the short sale paperwork. I can only assume that this is purposeful and willful sabotage of this short sale as I am about to lose my buyer.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (CA)

https : //www.nationalrecovery.com/ Company failed to send written notice of intent to collect a debt, even though they had address on file. 

Collections opened XX/XX/2019 for {$130.00} without notification Multiple attempted phone contact through number not connected with company, meaning anonymous phones calls were being used by collector to document illegitimate attempts to contact ; failed to leave any message identifying caller and purpose of call.
Consumer complaint received 2024-02-15
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. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MD)

In XXXX, I successfully opened an American Express Bluebird prepaid account. In XX/XX/XXXX, I received, what I thought was suspicious email indicating that my Bluebird account would be closed. I immediately contacted customer service to verify the authenticity of the email and was told that the email was fraudulent and that I should disregard it and not click on any links in the email. I deleted the email in accordance with the conversation with the American Express Bluebird representative. 

On XX/XX/XXXX, two whole years after the American Express Bluebird account was opened, and had been used multiple times throughout the years, I was advised that my account was being closed because compliance at American Express Bluebird allegedly could not verify certain information on my account. That's poppycock. 

The account has been opened for over two years and not once in those two years did anyone at American Express Bluebird ever notify me that there was an issue or problem with the account, or that information could not be verified. Now all the sudden there is a problem with the account information that allegedly could not be verified. 

It is apparent that the account is being closed for a discriminatory purpose on the account of my race, age, sex, national origin or other illegal discriminatory practice.
Consumer complaint received 2019-11-21
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)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I originally purchased my home mortgage through XXXX XXXX. A few months ago, they sold my mortgage to Lakeview Loan Servicing LLC. Well when they transferred the loan, they completely messed up the transferring of funds. For one example, I had made a separate payment of {$10000.00} strictly towards my principle while my mortgage was with XXXX XXXX. Now that Lakeview Loan Servicing LLC has it, at first they completely neglected that payment altogether. I contacted them probably 15 times trying to get this straightened out. Now they took that {$10000.00} and applied it towards the monthly payments which is not the same at all.

Doing that virtually turned my {$10000.00} into {$1500.00}. I have tried calling, emailing, and every other form of communication with them but they are either completely incompetent or they know exactly what they are doing and are stealing money from me. 

I would be so grateful for help in this matter. 

Thank you, XXXX XXXX