davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Dream Center Education Holdings (CA)

Dear Sir/Madam, Good morning! Please accept my very best regards. Madam, I would like to present the following for your kind perusal please. 
1. Madam, since XX/XX/2018 I am attending XXXX   University XXXX XXXX XXXX XXXX Campus for completing XXXX XXXX XXXX degree. 
2. The Financial Aid Officer, put up a financial aid package for me. But, he was later transferred to another campus. 
3. The new officer who took over the duties in my campus returned my stipend and refunds back to the lender without my knowledge. Right now I do not have any job. Even then the new officer returned XXXX to the lenders and charged me {$1200.00}. Right now I have no means of paying this amount. And as per the financial aid package I was supposed to get as a stipend and refund, the amount ( {$3100.00} ) ; and it was ( as per the contract ) not supposed to have returned to the lender ; rather refunded to me. 
4. I persuaded every one in the University but to no avail. 
5. Can you please help me in this regard ; I will be really grateful to you if you help me. 
Thanking you, apologizing for any inconvenience, and looking forward to your kind assistance in this regard. 
Most Sincerely, XXXX XXXX XXXX Email : XXXX Telephone : XXXX
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Payments have been paid as agreed from the beginning with XXXX XXXX hospital since 2016. Yet they posted account to collections agency XXXX XXXX on my credit report. I contacted XXXX XXXX in person and on phone they admitted there was a mistake on their accounting system because they had multiple accounts set up and when Payments were made they were not applied to each account collectively. They stated they would remove the collection from my reports. At this time they have not honored their statement to remove from my credit report.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Did bankruptcy in XXXX XXXX on first and second mortgage. Have been trying to refinance on the first mortgage, but XXXX XXXX XXXX put a lien on the first, even though the second was discharged. Haven't gotten help from them, I would like to do this so I can retire.
Consumer complaint received 2018-08-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (NC)

My Chase Credit Account was closed on XX/XX/XXXX. I was notified on XX/XX/XXXX when I was trying to buy something and was declined, then tried to contact Chase, that the account was closed. However ... 

On appx. XX/XX/XXXX, I contacted Chase to make a {$600.00} payment, ( I owed them XXXX on 0XXXX  ) since it was past due. I was successful making this payment go through, and my balance was updated to {$490.00} from {$1000.00}. However, Chase at that date NEVER told me my account was closed or in trouble. I did explain to one of the specialists whom she took care of me, that, I apologize that some of my payments never went through, because I was out of country, and my debit card, or account, was basically not working, but I didn't know when I was in XXXX. 


I contacted Chase today, yesterday to get more clarification regarding my account. And I also apologized to them for any inconvenience and hoped my account was reinstated. However Chase wasn't willing to help. I didn't get a straight reason why my account was closed, and I should have been notified when I called them at XX/XX/XXXX, when I was making the {$600.00} payment. I would have only made the {$80.00} payment, knowing at that time my account was closed.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (UNITED STATES MINOR OUTLYING ISLANDS)

CFPB : your pre-defined checkboxes do not have the options needed so I will explain the problem here. 

1. I filed to Opt-Out of credit card offers in XX/XX/XXXX ( 7 years ago ). I then mailed in the form to be PERMANENTLY Opted-Out in XX/XX/XXXX ( 7 years ago ). 

2. On XX/XX/XXXX ( 3 days ago ) I received a mailed offer for a credit card from XXXX XXXX. It had my specific name and address on it. It also included a Reservation number and an Access code so that if anyone had taken it out of my mailbox they could have gotten a credit card in my name ( Identity fraud ). 

3. I froze my credit years ago to protect my finances. 

Why are banks such as XXXX XXXX allowed to ignore the permanent Opt-Out, ignore credit freezes and risk the loss of my entire future for the sake of a quick buck?????
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (TN)

This account was opened originally in 2014 with an ex wife who used my sole information. The company prior to Mariner finance buying them out was Pioneer Credit. This account has haunted my credit for well over the 7 year mark with countless threats about legal action and or jail time. I was never aware of the loan in hand and have attempted to settle this multiple times. Please delete from my credit report, XXXX, XXXX  and XXXX.
Consumer complaint received 2018-08-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

This complaint is addressed to CFPB legal counsel XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and US attorney XXXX XXXX XXXX. Ocwen Loan Servicing ombudsmen XXXX XXXX XXXX and opposing counsel XXXX XXXX have ignored my cease and desist all communication demand I sent in the past. XXXX XXXX and XXXX XXXX have been harassing me and threatening me with embezzlement fraudulent trustee sale during pending litigation which forced me to be apply for assistance with the pretender lender loan servicer to stop the embezzlement fraudulent trustee sale until the court can hear my matter. The pretender lender loan servicer and opposing counsel Brain Pain who are both attempting to embezzle my property responded to my request for assistance. The pretender lender loan servicer approved the bogus manufactured modification to embezzle my home. On the manufactured embezzlement modification approval the documents indicate I have until XX/XX/2018to respond. I don't know why Ocwen Loan Servicing and opposing counsel XXXX XXXX are harassing my attorney sending emails when the manufactured embezzlement modification respond date is, XX/XX/2018. Totally incompetent people that can't read their own documents. I decline the pretender lender loan servicer embezzlement loan modification.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XXXX XXXX XXXX a 3rd party XXXX XXXX ( XXXX. XXXX XXXX XXXX, Fl XXXX ) has continued harassing me with calls, letters and also adding this debt to my credit bureau agencies. There is no account number to this debt. 

I have asked to send me original contract with my signature for proof regarding this debt in the amount of {$590.00} and XXXX has failed to do so. I am requesting verification of this debt to XXXX XXXX and removed my 3 credit Bureaus. 

Thank you
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AK)

We are recipients of a COVID19 forbearance and have been trying to reinstate our mortgage payments. Shellpoint mortgage assured us telephonically last week that we were eligible for a COVID19 loan modification and that the documents to sign would be sent to us within 10 business dates. After this phone call, a letter was dated and sent claiming that we owed the entirety of our forebearance payment in one lump sum of XXXX! This was a threatening letter dated XX/XX/XXXX and with a payment due date of XX/XX/XXXX!
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated (MO)

I XXXX XXXX XXXX entered into a Membership Contract for a 12-month period starting on XX/XX/XXXX, with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX for a XXXX XXXX making payments of {$9.00} for 12 months for a grand total of {$110.00}, Upon checking my records ( Bank Statements ) 10 payments were successfully paid from the period of XX/XX/XXXX through XX/XX/XXXX, I received a new debit card in the mail in XXXX, having thought I had a membership underneath a different card and that it was being paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide notice that my account was delinquent and steps to resolve through multiple forms of communication such as the email associated with my contract and account XXXX, mail, or phone, instead XXXX XXXX  took a different approach rather than remedy directly such as when I was late once before they sent me an email ( attached ) but as of XX/XX/XXXX my account has been placed with collection with CACI Collections in XXXX, Missouri with a total in the amount of {$59.00} which is grossly overstated and incorrect, secondly when I go on to the XXXX XXXX XXXX Page to view my contract, account information, or even attempt to update or make a payment, I receive ERROR 86 : The amount past due should be {$18.00} for the remaining 2 months out of the 12 months which I accept should be paid as agreed upon. It is my opinion that with XXXX XXXX  handling this issue so unprofessionally, and punctually that I will no longer visit any of their theme parks in the future.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting inaccuracies on the following accounts. XXXX is being reported as paid, no balance with XXXX late payments. 

XXXXXXXX XXXX XXXX is being reported as a different last activity date, a different balance, different report dates and different status, one is paid the other is collection. Experian has been 30 days to investigate these inaccuracies and has failed to do so. I have attached my letter requesting an investigation into this in accordance to the FCRA.

FCRA additionally states that if a credit bureau can not validate the legitimacy of the inaccuracies that they must be deleted.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (GA)

When the vehicle was purchased, we were not clear as to how "simple interest" would be calculated.  We are paying 22% interest in a vehicle that should be more than half way paid off by now.  We have made 72 payments of XXXX on the initial purchase of $XXXX.  We were told that $XXXX  of each payment went to the principal balance.  That would leave a balance of around $XXXX remaining.  However, the payoff for the loan is $XXXX    That's a difference of about $XXXXWhen we purchased the vehicle this was not explained to us.  It is a fraud to tell people that they are paying money toward the principal and then not apply the funds to that balance.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

The incident occurred on the night the XXXX of XXXX @ XXXX XXXX I woke up before my AM shift, to 5 ATM withdrawals from my account. A total of {$1800.00}. 
Ive filed a claim with my bank to get those disputed but the case was immediately closed. I was told to get a police report which I did only to have my rebuttal claim denied again. They tried telling me because I still had my card on me when the transactions occurred that it couldve been me. I didnt make any of the transactions at all. Ive become frustrated & is now seeking government help. Down in the attachments : Ive included the denied rebuttal claim, the police report & also my work schedule to provide emphasis on me being in bed that time the incident occurred before my 10 HR shift. 
If Not too far from relevance Ive attached a news report I recently saw that involves & mention the bank Im filling a complaint against & shows a lady thats going through a similar situation like mines https : XXXX
Consumer complaint received 2020-02-01
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: FactorTrust, Inc. (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MO)

Made a deposit into my Huntington checking account of XXXX on XX/XX/2018. Received an email from the bank stating the deposit was on hold until XX/XX/2018. I also setup an auto transfer of XXXX dollars per week from another one of my accounts a month earlier for which Huntington bank continues to pull faithfully. 

Though I had other funds in the account bills submitted XXXX XXXX ( my Car note ) for payment were told my account was closed. I am charged insufficient funds fees for the non payment on my car-note even though there are funds in the Huntington Bank account to cover car-note outside of the XXXX deposit. 

It is XX/XX/2018 now and I have no access to my account and no explanation as to why the account is on hold. Huntington Bank is stating I will have to wait until there process is completed but they continue to withdraw from my other XXXX XXXX XXXX account. 

Funny thing is the the XXXX dollars cleared the originating bank and Huntington continues to process the auto transfer from my XXXX XXXX  XXXX account. They are getting funds in but I cant get anything out. 

Please help
Consumer complaint received 2018-08-20
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: General Motors Financial Company, Inc. (CO)

On XX/XX/XXXX XXXX  XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX  stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX  denied me credit, which I did not apply for, it was for another auto loan.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX  card XXXX was breeched on XX/XX/2022. someone called when I was down the street from Regions drove to Regions to ask if the call was real before I spoke with them. They checked his credentials.This was the next day XX/XX/2022. Was on the phone with them trying to get every thing straight. MY credit card had been breeched with a card that was just like mine in my purse. I do not know who this was or how they went about getting the money {$1200.00}. and cash advances of {$250.00}. I got a letter onXX/XX/2922 from Regions claims resolution Center stating that : our review indicates you participated in or otherwise authorized this use of your card!!!!!! WHAT!! I have been with this institution for XXXX  years. I have never accessed cash advances.I would like the amount that was taken from my account replaced. I felt like a criminal and that is the way they treated me. I am asking you to do whatever you can to give the credit I should have for being with this bank for XXXX  years.Please fix my account before it affects my credit. It has already gone down from XXXX to XXXX .Thank you!
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AZ)

Pursuant to Title 31 U.S.C 3729-3733 of the False Claims Act ( FCA ) LVNV Funding LLC is attempting to collect a debt which is not owed by I XXXX XXXX the consumer. I have no prior relationship or contractual association with LVNV Funding LLC. LVNV Funding LLC was not given authorization or permission to have my SSN number or personal identification information nor did I give them authorization or permission to share this information with any third party vendors. LVNV Funding LLC has obtained my information by aggravated identity theft in accordance with Title 18 U.S.C 1028A. LVNV Funding LLC is fraudulently using my SSN number and personal information to get me to make payments on a alleged debt not owed by using the consumer reporting agencies to extort and coerce me into paying the alleged debt.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I signed up for a XXXX AMEX XXXX that offered XXXX miles if I signed up and paid the flights fees. After I signed up it would not allow me to book the flight
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

On XXXX XXXX my account was closed with no notice of action, no email, no letter no call or text. Payments were made on my account but were not reported. They did not verify the account closure and there was no written form of communication, contract, or signature for this accused account closure.
Consumer complaint received 2022-03-10
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. (KS)

XXXX now is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. acceptance not is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. XXXX XXXX is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.