davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

Freedom mortgage contacted us to refinance our loan. 

At the time of refinancing, we were NEVER provided the required final disclosure statements 3-Days prior. Our closing was on a Monday so I both emailed and called XXXX XXXX of Freedom Mortgage on Wednesday, Thursday and Friday before the closing and advised her we had not received our documents and that I did not know how much we were to bring to the closing. 

I was told to be patient, they were busy and putting in mandatory overtime. I was told I'd likely have it on Saturday afternoon. 

On Sunday I received a call from the company doing the closing. They did not have the information either and would call me on Monday to let me know how much to bring to closing. 

I received a call Monday afternoon on how much to bring to closing, however I still NEVER received my final disclosure documents. 

It wasn't until I was at the closing that my wife and I saw the final amounts, which of course were different than we were originally told.
Consumer complaint received 2019-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am unable to pay this loan because Navient/Salliemae is expecting me to pay over {$900.00} a month. They also stated that I used up all my Forbearance. I've been in contact with them since XX/XX/XXXX and although knowing about me and my co-signers financial/medical circumstances they keep saying that they have no programs to help make my payments flexible. 

I spoke to a supervisor on the phone and they told me to just pay what I can on the website. So I was able to pay {$50.00} on XX/XX/XXXX. However, Navient continues to use random numbers to call me expecting payments when they know that I am unable to pay over {$900.00} a month. They also have information showing that I did pay something in XX/XX/XXXX, however, they still threaten to send my account to collections. 

Here are the numbers they keep calling me with : XXXX TX, XXXX XXXX IN, XXXX When they call I know it's them because it's the only number that doesn't leave voice messages. They call me at least twice a day. When I answer and give them the same reason why I am unable to pay they push the calls out for another seven days.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C. (WI)

I had a credit card with XXXX XXXX, XXXX XXXX, with a credit limit of {$2000.00} and a charged off amount of approximately {$1000.00} in XXXX when I was victim to a severe car accident which gives no one the right to take advantage of false collection claims. XXXX XXXX doing business as XXXX XXXX was investigated by the FTC for deceptive and fraudulent credit card practices starting in XXXX, I reported this numerous times, yet many attempts by predentary collection agencies were made eventhough this business was shut down by the government and resolved by the DATCP, years ago. The account went into collections in XXXX and there was a judgement in XX/XX/XXXX but I had moved and not received notification of collection/court activities until XX/XX/XXXX. The credit card was shut down by the government plus time barred from XXXX or XXXX, so I am not sure what laws of statute of limitations of debt collection activities apply in this case? This debt is 13 years old and this summary of complaint is notification of the aforementioned disputed debt. I want Kohn Law offices to stop threatening me with phone calls, absurd settlement amounts, liens, and stop sending me letters regarding collection attempts. Kohn did not provide me with the details of this amount of judgement and I believe this is an illegal collection. They called at my mothers house where family members gave false information. This credit card overcharged customers, had illegal interests rates and was shut down by the government. I would like to know how companies like XXXX and Kohn can attempt to collect on an illegal credit card shut down by the FTC and time barred from 13 years ago?
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I put a freeze on all 3 credit bureaus after the XXXX breach. I'm buying a camper & the lender is unable to pull a credit report from Experion. I had removed all 3 freezes but something went wrong with Experian 's. I called them today XX/XX/2019 & they ( XXXX ) stated that it was an internal error & that it would take 5 to 6 days to resolve. I asked for an expedited process. He said there wasn't one. I told him that I don't believe that for a second. I asked to talk with a Supervisor. I was told by XXXX that a supervisor was available & would be with me shortly. I was on hold for 31 minutes. The call started at XXXX XXXX. Then at 31 minutes, I was hung up on. No supervisor, no resolution, nothing. It's bad enough that we, the clients, are unable to choose a credit bureau. We are held hostage by their rules & we have no choice what so ever. So I have an issue that isn't resolved & is holding up my entire transaction because they don't have an expedited process. The other two companies have a very easy process. You open their app and click lock or unlock a freeze. That's it. Why isn't Experian held to the same standards? You can't get to thiers unless you pay a fee. Which I refuse to do since a freeze is free. So you have to go through an entirely different process with them that is no quick.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (GA)

I had two unauthorized charges on my account of {$290.00} from XXXX pending in my account. So {$580.00} total stolen from my Sofi checking account. On the day they showed up pending, XX/XX/XXXX, I immediately called sofi to report it, all they said was I had to wait until the charges posted on my account to even dispute them. I also called XXXX on that same day and put a dispute in with them because those transactions were listed no where on my account. XX/XX/XXXX, the transactions posted and I disputed them. After waiting 2 weeks they denied my claim on XX/XX/XXXX. I then sent them my statements from XXXX or XXXX showing my {$50.00} a month wifi payment for proof. On XX/XX/21 they denied my claim again and then stated they were closing the dispute. I asked for proof and all they could provide in the document was the fact that I had done business with the company before. I have never paid more than {$50.00} a month to XXXX and they tried to say that {$580.00} in one day was within my normal spending habits. I emailed back again this day to appeal the decision. They never responded until I threatened to submit a complaint with this bureau. The sofi fraud department is a joke, they only can communicate through email and you can not talk to a human. They dont even contact the company the dispute is with.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

My account was charged twice for {$100.00} equaling a total of {$100.00} for a cash transaction that I did not authorize and I am unaware of the recipient. I have sent in multiple disputes to Chime and they have deny my request but I have all the proof needed.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the XXXX XXXX XXXX in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is Midland Funding LLC from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (NC)

I have a short-term installment loan with Klarna. I had a payment due on XX/XX/XXXX for {$87.00}, which was missed. Today, XX/XX/XXXX, I received an email stating that this missed payment would be added to my installment due on XX/XX/XXXX. I accessed the Klarna app to make the past-due payment, however, there is no option to pay this past-due installment now. 

I chatted with a Klarna agent named XXXX who stated that Klarna 's system limitations do not allow for " partial payments ''. The total now due on XX/XX/XXXX is {$180.00}, with no ability to pay the past-due amount before then. 

Refusing to accept the payment adds considerable interest charges to the total balance of the loan. I believe that this is predatory behavior on Klarna 's part, and a system limitation should be no excuse for predatory lending practices such as this.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I just came back from overseas and I realized I had a Capital One account still open and payment due. When I called originally ( XX/XX/XXXX ), I was trying to get the status of the bill/account. I asked when I needed to pay the bill by and they said the following Friday ( XX/XX/XXXX ). That's when the billing cycle was over. On Monday ( XX/XX/XXXX ), I called to make a full payment and they said it went into collections and they're not sure why/how the other representative said Friday. They told me to call back or they'll call me right back. They haven't gotten back to me and every time I've called, I get put on hold of hours or get the runaround/transferred. Customer service was absolutely horrible and nothing was resolved.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (GA)

I have a XXXX  credit card on my credit. It was included in the bankruptcy from 2015. About six months ago the company switched it from bankruptcy and made it look like its an active collection with 17 lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him three times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, I called Citibank Customer Service and disputed a charge on my Mastercard account in the amount of {$840.00} dated XX/XX/2019. Advised them that the charge was not authorized by me and payment was not owed to the CC Merchant. 
I did not receive a written acknowledgment from Citibank and called them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received the first notice/letter from Citibank by e-mail, wrongfully asking for 'proof of payment ' for the purchase though other means. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), with copies of my e-mail correspondence with the CC Merchant disputing the charge. Citibank gave me a temporary credit of {$100.00} on XX/XX/XXXX, which they told me was a mistake, with two contradictory explanations. On XX/XX/XXXX Citibank gave me a temporary credit of {$840.00} and reversed the temporary credit of {$100.00}. On XX/XX/XXXX, Citibank debited my Mastercard account, with the amount of {$840.00} plus interest, for the reverse of the temporary credit given on XX/XX/XXXX. On XX/XX/XXXX, I received a notice/letter from Citibank dated XX/XX/XXXX, stating : - " due to the amount of time that has passed since this charge was first billed to your account, we no longer have any recourse to obtain a credit on your behalf ''. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), describing the events surrounding the dispute and demanding a permanent credit of {$840.00} plus interest. 
Citibank was negligent in handling my Mastercard dispute and I request the assistance of CFPB to obtain this credit.
Consumer complaint received 2022-12-16
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)

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. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

I have disputed this collection account repeatedly because I am not sure why it shows I owe the apartment complex. I have requested a debt validation letter. I have tried looking the debt up online and have been unsuccessful in even finding anything on this debt. I never received a letter or anything about it prior to it showing on all 3 of my credit reports and still have not received anything. The collection agency keeps removing and adding account back on to my credit report to purposely hurt my credit. I think its unfair that they have never sent me any documentation or information regarding this debt in order for me to validate and try to resolve.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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. (MN)

I originally had a XXXX XXXX XXXX Account in the beginning of 2020. Sometime around late XX/XX/2020 or the beginning of XX/XX/2020, I graduated to a XXXX XXXX Account, which contained a higher credit limit and was considered " unsecured, '' for credit purposes. The XXXX XXXX XXXX XXXX  is showing " paid and closed '' on my credit report, and this is correct -- this particular account should be paid and closed because once the XXXX XXXX XXXX was paid off, I had a XXXX XXXX Account opened. The problem is that the XXXX  account is reporting as " closed '' on my XXXX, Equifax and XXXX  credit bureau reports, and this is incorrect, as the XXXX  account is open with a {$500.00} credit limit and no balance. I have tried to call XXXX directly and was told to mail a letter to the company to dispute their inaccurate reporting of the XXXX account, but no one seems to know anything -- we go around and around in circles and I get nowhere.
Consumer complaint received 2019-10-15
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. (GA)

I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.
Consumer complaint received 2019-10-15
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. (GA)

I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.
Consumer complaint received 2019-10-15
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: Selene Finance LP ()

I have contacted my mortgage company Selene Finance on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.