davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (TN)

On XX/XX/XXXX I returned a voicemail message from Mariner Finance. I  took a loan out with them by cashing a check they mailed me, so I assumed they wanted to verify my personal information, etc. I spoke with XXXX XXXX, Assistant Manager at the office location of XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. She advised I had {$500.00} available now in additional funds but if I needed more then we could do an application for review on a larger amount. I told her no I did not need more than the {$500.00} that would be fine. She proceeding to verify my personal information and then asking questions like you would be asked doing an application. I stopped her and said I thought you said we didn't have to do an application for the {$500.00}? She said I just have a couple more questions. She then asked when I wanted to close on the additional funds that would be added to my loan, in office or over the phone. I said over the phone and she said I'm sending you an email requesting the documents needed to finalize the loan. I received an email shortly after from XXXX XXXX altering me my credit was pulled. I responded to the email she sent me requesting the additional documents and advised I did not have access to some of the documents due to COVID and working from home and for her to confirm she did not pull my credit and requested she cancel the loan. She advised " I apologize for the misunderstanding. I started out by saying that we would need to update your application '' in order to do a renewal either in office or over the phone. We can still decision the application but I will make a note that you no longer would like to receive the additional funds. '' I responded to her by saying I did not give authorization to pull my credit and she stated the {$500.00} was available to me but if I wanted more then she would do an application and I would not have proceeding knowing my credit was being pulled and the inquiry needed to be removed from my report. She did not respond to that email, so two days later on XX/XX/XXXX I sent another email to her advising I was waiting on a response to my email from XX/XX/XXXX and if she was not able to confirm my credit was not pulled and the if so, the inquiry removed to have her supervisor contact me. I still have yet to get a response to my requests.
Consumer complaint received 2018-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In 2003 Washington Mutual gave my elderly XXXX mom with no job a home equity line of credit of {$50000.00}. At the time she was receiving a monthly gift from my dad who was paying her alimony up until I was XXXX me being the last child. I am XXXX now. He was under no contract to pay her lifetime alimony. And she had an income of less than {$500.00} social security. She racked up up bill of more than {$14000.00} before I started paying her bills for her and figured out what happened. Nowadays no one would ever give an elderly XXXX person with no job a big loan. I don't believe she should have ever been given this money to use.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Yhis Company has called and called and called and We are sick and tried of being harrased by their calls at latet hours and early hours. When a class action suit is brought against them I want to be part of that class action suit! I do believe they are going by our last name and conffusing us with others in my Family.

Pleas shut this company down and all other that are out to harass.
Consumer complaint received 2018-05-03
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. (MI)

There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint " XXXX XXXX '' financial, authorized a ACH withdrawal from my XXXX Checking account in excess of {$3200.00} without my knowing. I made a simple online payment, which I have done every month for several years, where the payment amount is pre-selected as the minimum payment due. The process to pay is very simple and straightforward. There is no keying in of any numbers or information. My banking information is saved and the amount is pre-selected for me. I click submit and the payment goes through for the minimum monthly payment. 

For reasons Shellpoint can not explain, an amount in excess of {$3200.00} was drafted from my checking account. I have issued a stop payment through my bank at my expense. I have incurred an overdraft penalty at my own expense. I am likely to incur additional financial penalties from other bills that were pending due to this excessive draft wiping out my entire checking account balance. Shellpoint has repeatedly offered no meaningful explanations and admits no wrongdoing of their own. They have confirmed, that the only way to pay additional money is by entering that amount in a separate field which I certainly didn't do. I am not here to argue, I am here as a customer who is a victim of this company. I want my voice heard. This mortgage company was a treachery from the beginning when I bought my home ( for reasons I won't go into ). They should be out of business, period. Not only have I never missed a payment, I paid my mortgage throughout my bankruptcy after dealing with a very difficult divorce. Shellpoint has no right, in my opinion, to hold on to these funds for any period of time. The payment should be void and cancelled, end of story. It is my right and my duty to warn other consumers, through this complaint, that Shellpoint " XXXX XXXX '' XXXX is not to be trusted with online transactions. 


Shellpoint " XXXX XXXX '' has no meaningful response or explanation at this time. Company is making me go through a process to refund my money.
Consumer complaint received 2018-07-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

The company is a mortgage dept collector. They are saying I am behind on a payment. I am NOT. They call my home constantly. I have asked about the month they are requesting. They give me different dates all of which I can prove from my bank that the payment came out and they received the funds without any difficulty. They have tried to to foreclose on my home. I got a lawyer who stopped the foreclosure and said I should have never gotten the foreclosure papers. They are adding the fees to my payments. My loan modification was done by a lawyer and approved by the courts. This company that the loan was handed down to seems to not want to comply with my loan or is trying to collect more than is required.
Consumer complaint received 2023-01-24
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-16
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: Mcburberod Financial, Inc. d/b/a SeedFi (TN)

Seedfi- They are reporting the account late and it not over 30 days affecting my credit score. 

Also- XXXX XXXX is showing ion XXXX a collection and I paid it in full XXXX of XXXX
Consumer complaint received 2018-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

There 2 Capital One accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first Capital One account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd Capital One account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I was denied for a credit card application too many times and I was denied due to having too many cards open few months ago and today I submit a credit card application on XX/XX/2018 and they denied me all the way cause my date of birth was fake and they need some proof and I told them I don't have the way to go to the branch and I feel like I will be denied again if I submit my ID AGAIN and the bank will see my race and gender .. and I think this is discrimation and wrong and I'm so upset and I feel like if this was a XXXX person then he will be appoved right away .. the rep was rude to me and gave me a hard time and refuse to remove the inquiry
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have previously submitted the FTC request for permanent opt-out for credit card offers. Capital One is the ONLY company who consistently continues to send me pre-approved credit card offer requests. Further, there is nowhere on their letters ( most recent one is attached ) that allows for an opt-out to stop receiving their communications. It is extremely frustrating and I believe their letters must not be in compliance because every other offer I have ever received allows the consumer to opt out in some way. Capital One does not include anything though.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMISSION. I ASK SOMTHING BE DONE ABOUT THIS.
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Dear Team, As we hear more and more about the damages and faulty practices by both schools and lenders my story is no different, a great travesty! The two loans which were consolidated in XXXX are essentially the same balance at hand in XXXX after still paying over {$110000.00} and yet they want another 20 year commitment for {$120000.00} balance to consolidate again. Just criminal. I have paid before consolidation in XXXX and from XXXX onward to XXXX with the same if not more outstanding balance. AES is the gatekeeper who does nothing after repeated calls because they are NOT the lender. every time I call to ask for some kind of forgiveness they will not honor even after working for nonprofits which are listed for forgiveness because my loan does not qualify. Again, I have had and made consistent payments for over 20 years. The loans came with a very high weighted interest since loans were originally taken out in the XXXX so now at 6.125 % for {$38.00}, XXXX and {$81000.00}- they are now at {$39000.00} and {$87000.00} with consistent payments of well over {$130000.00}. They were never honest and up front as to the types of pay back the loans that would be forgiven so even when I made consistent payments they did not fall under the description for forgiveness.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (AZ)

Money Lion Asked for set amount to be backdated Stated only allows 2 transactions Have fee of XXXX dollars to owe. 
I need to have a small payment fee plan. Tried to state that and they did not help. Stated to push back or place half amount to help with struggle
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (WA)

On XX/XX/2020 I received a XXXX XXXX alert that collection was added to my account. Here is information from XXXX  XXXX  : Creditor Information CONTRACT CALLERS INC XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Opened : XX/XX/2020 ( 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Placed for collection Original Creditor Name : 11 XXXX Contract Callers Inc registered at XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX has never contacted me about this debt. They did not send me a letter or call me over the phone. I am very upset no one informed me about this debt and that now I have a derogatory mark on my credit report. 

I would like to : 1. Complain about CONTRACT CALLERS INC unethical debt collection practices. 
2. Have CONTRACT CALLERS INC validate the debt they are trying to collect. 
3. Remove derogatory marks from my credit report from all 3 Bureaus and provide a written statement that they did it.
Consumer complaint received 2018-05-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC) (CA)

On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
Consumer complaint received 2018-07-22
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. (GA)

I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus  report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Merchant Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX Re : Acct # XXXX To Disputes Department : This letter is in response to your recent claim regarding account # XXXX and # XXXX, which you claim that I owe you {$150.00} on both accounts, in which these are a duplicate. By not replying in a timely manner to my initial letter on XX/XX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX Generals Office CC : XXXX   XXXX  XXXX
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XXXX my house burned down and my insurance company release a check to myself and Carrington Mortgage for {$100000.00}. Since then I have had to put over {$90000.00} of my own money into the home as Carrington will not release the funds needed to complete the reconstruction. To this date they have release only {$35000.00} while we have sent them information from myself and my contractor showing where we have spent the additional amount. They keep saying it is not more than 25 % done although it is around 80 % done. 

I am recently widowed and I believe they are trying to prey on me to keep this money and make me homeless.
Consumer complaint received 2020-07-27
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. (TX)

FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS