davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I have a loan with XXXX XXXX company, I lost my job so I fell behind on payments I spoke a young lady regarding the issue I was told that they are going to report to all the credit bureaus my late payments which is understandable, then the phone calls started I was getting calls up to 10 times per day early morning late night and all day, they called my neighbor over 4 times even when he told them to stop they called another friend and she told them the same thing but they kept calling, finally some one named XXXX called my sister on XX/XX/2018 around XXXXXXXX XXXX  and asked about my where about, my sister asked for the reason, XXXX proceeded to tell my sister whom is not on the loan nor is she a co signer, the amount of the loan how many month 's I was behind the interest rate of the loan and my payment amount in clear violation of the Collection Practice act, further more XXXX informed my sister if I did not send {$50.00} in the next 48 hours I will be prosecuted, which made my sister panic and she was pleading with XXXX not go through with it cause I had just started a new job I will be making payments again real soon, again a violation of my rights, I'm asking to make them stop calling me and my family members and I would like to know what is my legal recourse and what can I do about this blatant violation of my rights, do I need an attorney?? please advice
Consumer complaint received 2022-03-09
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. (MO)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX
Consumer complaint received 2022-03-09
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: LEXISNEXIS (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (FL)

I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose ; but yet, claims they can not identify me, in which case even more reason why Equifax should not be publishing any consumer report when all details have not been verified. Moreover, Equifax has failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.
Consumer complaint received 2018-05-22
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. (MN)

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my Experian, XXXX and XXXX XXXX credit report.
Consumer complaint received 2022-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

ABOUT ON XX/XX/2022 I REPORTED TO CAPITAL ONE AND A REPORT WAS TAKEN AND I WAS OWED XXXX NOW CAPITAL ONE TOOK BACK MY CREDIT MONEY THAT I PAID THEM I WAS ISSUE A NEW CARD I CALL ASKING ABOUT MY BMONEY AND NEVER COULD GET A STRAIGHT ANSWER I FEEL LIKE UNFAIR PRACTRICE WAS CLEAR IN THIS CASE, EVERYONE WHO I TALK TO TELL ME DIFFERENT THINGS ABOUT MY ACCOUNT.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

Complaint regarding lump sum payments on my mortgage loan account, entered into XXXX 's web page. Verbal complaint not allowed, referred to web page. 

I entered this on their web page : " When a lump sum mortgage payment is made ( pushed from my bank ), you automatically apply it for up to the next three months of principal and interest. I am paying additional principal each month, and you keep applying it to multiple months ' principal and interest. I have to call each month to have you reverse the interest charges, and I believe you are actually charging me excess interest, because it is not back credited to the date the lump sum principal payment was received. In other words if the payment was made XX/XX/XXXX, and you convert the interest back to principal on XX/XX/XXXX, you are charging me an extra half month interest. I think this is a predatory lending practice. Think of all of the thousands of customers that you are cheating. 

Please go through my account and ensure you have not overcharged me interest for each month where I paid an addtional principal payment. You also need to modify your automatic processing software to not apply payments forward. 

Thank you for your attention to this. '' Dates : XX/XX/21, XX/XX/21, XX/XX/21 Amounts {$50000.00}, {$3000.00}, {$3000.00} I called XXXX to ask them to convert the future amortized interest payments back to principal, and they have cheerfully done so, but I believe they have possibly overcharged interest on the mortgage accounts of myself and many other customers who thought they applied lump sum payments to current principal, not future amortized interest. They told me extra payments are applied up to three months forward if sent from my bank.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

We would like to file a complaint against Carrington Mortgage, particularly to bring more accountability and loan-level transparency to their poor performance in the handling of our home loan. We also believe they violated XXXX rules by setting our mortgage payment too high. 

We are in arrears for $ XXXX on our mortgage. We pay 48 % of our monthly income towards our mortgage. This is not sustainable. We declared bankruptcy in XXXX due to a mortgage that had become an impossible burden. We paid $ XXXX cash in XX/XX/XXXX to bring our account to date. Our mortgage servicer has changed numerous times in the 20 years we have owned our home. We refinanced in XXXX with XXXX at a rate that was not sustainable. Our loan is federally backed, therefore our servicer ( Carrington? XXXX? ) violated the CARES act as my husband and I both received unemployment and filed a Hardship Declaration during COVID. We have applied for NY XXXX XXXX. Our monthly mortgage has gone from $ XXXX to $ XXXX. Weve been working with XXXX XXXX HUD and XXXX for months to try to come an agreement on a loan modification. We wish for our servicer to defer the amount of the forbearance into a non-interest bearing balloon loan due at the maturity of the loan. So far, we have not received an answer. If XXXX approves funding for $ XXXX, we still need to work out repayment for the remaining $ XXXX  as well as get our mortgage payment down to a more reasonable 40 % of our monthly income.
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (GA)

SunTrust bank failed to prove their account belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX has also fail proving their account belong to me. Neither SunTrust nor XXXX XXXX  XXXX are Holders in Due Course.

SunTrust reported a balance of {$100000.00} and XXXX XXXX XXXX reported a balance of {$97000.00} each reporting the same account numbers.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (SC)

XXXX XXXX  when I get paid i call all my credit cards and pay those which are due that week to keep them current. On XXXX, XX/XX/XXXX, I call Genesis FS Card Services for two of my cards. My Indigo and Milestone accounts. On both Accounts ( and I have this recorded if you want to hear it to be true ) The message I got was my MINIMUM due was the TOTAL amount due on the card. This set off my panic button and i paid {$200.00} on each card where normally i would pay the minimum due of {$40.00}. That is alot of my paycheck to pay on just two cards. To make matters worse the company has a policy that it may take up to 10-14 days for your to get access to your money. The payments cleared my bank on Friday, XX/XX/XXXX. tI am a on XXXX XXXX XXXX XXXX and need money for gas having put {$400.00} on two credit cards wiped out my ability to buy gas so I called Genesis FS Card Services on or about XX/XX/XXXX and they were able to release the funds on My Indigo card. However, by the next week on XXXX XXXX, I once again needed gas money and the funds were yet to be released on my Milestone account. I waited over 45 minutes on the phone for a manager and then they said they would call back. They never did so I called back later that night. They said there was nothing they could do at all and the funds would not be released until Friday XX/XX/XXXX. The system error was corrected on the Indigo card phone system as of XX/XX/XXXX as it gave the correct minimum due of {$40.00}. When i called and once again recorded the Milestone account card on XX/XX/XXXX the system ( almost two weeks Later is still telling customers their minimum due is their total amount due - I have it recorded as proof ) When a company incorrectly bills their customers and has absolutely no means to fix the error to financially improve the situation of their client that is a big miss for the business. I will give the company time to respond to this complain before I share if further on social media as people need to know how this company treats its clients.
Consumer complaint received 2017-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am signed up for electronic statements and set up to receive email notification when the statement is available. Back in early XX/XX/XXXX, I stopped receiving email notifications when the bank changed to Capital One and then I had received email notifications for a few months and now they have stopped again. I did n't receive notification for XX/XX/XXXX nor XX/XX/XXXX. My settings with the bank and my email address have not changed. I remembered to make my payment in XX/XX/XXXXon time but did n't remember to make the payment in XX/XX/XXXX and now I have a late charge. I know that a statement ( or notification of a statement ) is required to be delivered 21 days in advance of the due date and this bank is not complying with this requirement.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

Based on prior conversations and information posted on the FedLoan Servicing website, I was advised that consolidation of Direct Consolidation student loans and Direct Parent Plus loans would result in resetting the PSLF qualifying payment count to zero. On XX/XX/XXXX I submitted a PSLF application without consolidating my two Direct Consolidation loans with my Direct Parent Plus loans. On XX/XX/XXXX I received a letter stating that I was not eligible yet to receive forgiveness. A representative from FedLoan Servicing informed me that the payment count was not reflecting the Limited PSLF waiver update and also advised me not to consolidate the Direct Consolidation loans with the Direct Parent Plus loans. On XX/XX/XXXX I received forgiveness on the two Direct Consolidation loans. On XX/XX/XXXX, the Department of Education posted on their studentaid.gov website the following information : " Under the limited waiver your consolidation loans will receive credit for time in repayment on your loans with different counts. Your consolidation loan will be credited with at least the largest number of payments on the loans that were consolidated. '' Shortly after XX/XX/XXXX, it was confirmed by a consolidation specialist at FedLoan Servicing that I would have received forgiveness on all on my loans had I consolidated prior to submitting the PSLF application.
Consumer complaint received 2022-03-09
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. (FL)

XX/XX/2022 XXXX XXXX appeared as a hard inquiry on my credit report and I tried calling to get it removed and no steps on to trying to help me with the incident. I applied for XXXX XXXX but not XXXX  XXXX.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (CA)

Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-09
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-09
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NM)

Someone from XXXX MD accrued {$3000.00} in my name with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the debt was sent to XXXX XXXX. I received a call from Convergent trying to collect {$3000.00} from me. 
I have never used XXXX XXXX, and I have never even visited Maryland let alone lived there. I have been a victim of Identify Theft. 
I tried to contact XXXX, XXXX, and XXXX XXXX. The debt in still under my name. I have put a security freeze on my account until this issue is resolved..
Consumer complaint received 2022-03-09
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. (NV)

I have been disputing fraud accounts on my credit report since XX/XX/2022. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 52 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately!
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion state the my XXXX XXXXXXXX XXXX is not 100 % accurate when clearly you can see the inaccurate information place on my credit report, I try disputing multiple times for inaccurate information such as ( name ), my name is not XXXX XXXX, my name is ( XXXX XXXX XXXX ), ( date opened ) incorrect, ( balance ) incorrect because a charge off should be XXXX, ( payment received ) incorrect amount, ( last payment made ) incorrect as per my bank statement, ( payment history ) because the last payment made and the payment history doesnt match. But TransUnion stated that is verified so i ask them for method of verification and they refuse to send me the method of verification they are violating my rights ( FCRA )