davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

On XX/XX/XXXX I tested positive for XXXX. I was placed on administrative leave from our office and didnt work. Ive been out of work since then. When I returned to work on XXXX XXXX I was told that my position with the company was limited and cut back and was laid off that day. Ive since called and spoken to Loan Me which ( XXXX ) XXXX account managers and they wont place any payment on the backend of my loan or offer any payment assistance since I havent been able to work since XXXX. The last supervisor I spoke to XXXX advised me that I would have to fall behind 30 days before any assistance can be given. This is going to negatively impact my employment since I am a licensed loan officer. I need Help on this matter.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I have two mortgages with Citizen Home Loans. One is paid from my XXXX XXXX XXXX Account to a loan secured by my primary residence in XXXX. The other is paid from XXXX XXXX to a loan secured by a second home in XXXX. For two months the servicer of the XXXX loan applied the payment to my XXXX loan. Therefore, 2 payments were applied to the XXXX loan for 2 consecutive months and I received late payment notices from Citizen Home Loans on the XXXX loan. Both times I called and they corrected the issue. 

HOWEVER ... they reported me as in default to the credit bureaus and my credit score has since dropped 91 points for two defaults. I have never had a default in my life and i have asked them to notify the credit bureaus multiple times by phone, email and now by letter ( sent fed ex ) and they have not. 

I need help forcing them to rectify the situation immediately, remove the two default notices and do what it takes to fix my credit score.
Consumer complaint received 2022-10-12
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. (FL)

A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a XXXX  which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I received a pre-qual email from Navy in which I applied for mortgage. I was already in contract with another Lender but decided to try Navy. When I applied I never received any communication from the loan officer. I started calling every week to get answers. I never spoke with the loan officer but on XX/XX/XXXX I received a denial, I called about the denial and was told to appeal it in which I did and still as of today have not received a call or e-mail. I feel as though my application wasnt looked at or treated fairly. The denial said debt to income ratio. I dont have any debt and currently approved with another lender so I wanted to know how was that determined and if that was the case why wasnt other options offered or why didnt the loan officer tell me what loan I would qualify for. Ive been totally ignored and want this disturbing treatment escalated to the CEO.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Upstart Holdings, Inc. (GA)

I applied for a loan with upstart through XXXX XXXX advertisement on XXXX XXXX. This was a backed by XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This advertisement is for people with credit challenges and pre qualify them for the amount to apply. I passed the pre qualification check and recommended amount was {$4600.00} which was to be used for bill consolidation. I provided all of the requested documents. After waiting and waiting, I phone upstart and they replied back telling me they could not verify information on the application. Everything on application is true and I phone many consumers and no one had called to verify anything about my accounts on application. When i asked what could not be verified, they replied on XX/XX/2021 stating they can not disclose any specific details about the inconsistencies as that is proprietary information. XXXX XXXX XXXX was the name attached to email. I notice the action was taken because of 2 major differences in credit scores in my opinion.
Consumer complaint received 2024-03-07
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. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD.

I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-03-07
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. (FL)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-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 2022-01-24
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 (LA)

i receive a promotion in the mail an applied they said decline because there are too many active credit card based on my loan history. i only have a XXXX XXXX XXXX XXXX XXXX This should'nt have anything to do with my credit history, i have very good credit an they ran my credit report twice.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TENET HEALTHCARE CORPORATION (OH)

Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (CA)

TSC Accounts Receivable Solutions and XXXX XXXX MD, I had went in for cosmetic procedures and paid cash ( {$2400.00} if I recall ). After which I had significant scars from the procedure. I then received a bill for lab work which was not discussed. I called them to dispute and complain about scaring and demand the {$150.00} be removed and asked for a refund on the cash paid. I alerted them that I was filing a complaint against them with CA medical board. They then sent me to collections. I did not agree to this extra amount and have injuries from this office.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (CA)

Hello, I want to address an issue I had with XXXX mortgage company ( finance if America ) and my loan agent. When I started the process of finding a loan, the loan agent was extremely accessible and professional. However, once I had my loan rate locked in, problems started arising. The loan agent became extremely rude and difficult to get a hold of. He kept telling my realtor via email that he is in a meeting or training and never returned mine or my realtors calls. I was told 3 days before the close of escrow that my loan will not be approved since I did not make enough money last year, due to being on XXXX XXXX. The loan agent told me he has to add points to approve my loan, which was an additional {$1700.00} that I did not anticipate paying. This also delayed my escrow and I closed late.

I do not understand how this happened, as I had sent all my documentation and income statements before I signed the original loan rate contract. This should have been verified from day one, not 3 days before close of escrow. At that point, it was to late to change mortgage companies.

When I find out they were changing my locked rate 3 days before close of escrow, I was so disappointed, I emailed the loan agent and demanded to speak to his supervisor. The loan agent told me that he forwarded my email to his supervisor and if his supervisor chooses to call me back, then he will. I of course never heard back from any supervisor.

The tactics used were unethical and unprofessional. They forced me into a situation that left me with no options. Either accept the terms or lose my {$17000.00} deposit and then not have an immediate home for me and my XXXX children. I did my research and this mortgage company had good ratings. However, my loan agent used substandard practices with deceptive techniques. This company reduced my chances of acquiring a new home.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

The company, Jefferson Capital System is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

XXXX XXXX has tried to collect the amount of XXXX dollars from me. I havent defaulted on any bill or statement in a few years. they hit my credit for that amount 3 time in just one month. the dates are XX/XX/2018, XX/XX/2018, XX/XX/2018 they are all for the same amount XX/XX/18 and XX/XX/2018 are both on my XXXX the XX/XX/2018 is on my XXXX. i have never even heard of this company before.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (NY)

I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX XXXX XXXX  Account number XXXX on XX/XX/22 Experian has notified the consumer that they have completed the dispute Experian has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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 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 2023-07-01
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: CCS Financial Services, Inc. (IL)

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Ive received emails stating to activate my card and it was a new login to my account. I called Chime and they state somebody will be with you in 20 minutes but I waited over 40 and nobody came to the phone. I would like this persons information and the account closed. There is a phone number I dont recognize on the account. When I tried to change the password to see who this person was I couldnt because they were sending verification through that number. All I could see was the last 4 digits of the number that I dont recognize. It shouldnt be so easy to fraudulently open an account. This company should be investigated because Ive heard this from several people this has happened to.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (ME)

To Whom It May Concern, On numerous occasions, I have reported ATM debit card fraud and theft to KeyBank. The complaints have not been properly investigated nor addressed. Managers at KeyBank have stated that it is " impossible '' for debit card transactions to be fraudulent despite many attempts to reasonably address the issue, which has resulted in {$710.00} of unaccounted for money. 

The following includes a breakdown, by date and amount, of the unauthorized ATM withdrawals at various locations totaling {$710.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$23.00} XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ME | {$100.00} XXXX | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX {$63.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | {$160.00} XXXX | XXXX  XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX  XXXX Tg XXXX XXXX  XXXX, ME | {$130.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$130.00} XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$63.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/2024 XXXX, Transunion, and XXXX do not have my XXXX  loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (PA)

This medical collection was paid by my Union insurance with XXXX to the XXXX hospital. I was and still am covered under my Union Insurance during the time of this work place injury, which is the reason why I am not nor should have ever been responsible for a paid medical bill cover by my insurance for a work place injury. H & R Accounts Inc. is a collection company who has illegally reported this derogatory medical debt collection to my credit report. I have never received any letter regarding this bill but H & R Accounts still reported this illegal account to my credit report. This is costing me thousands of dollars in interest and irreversible damages to my credit score. Please let this serve as my formal complaint against H & R Accounts Inc. for illegal reporting negative paid by insurance medical collections to my credit report without notifying me first.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Company did not respond through the consumer Financial protection bureau portal and again is attempting to collect a debt that is not owed. 

Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) as amended by this Act, is amended by inserting after paragraph ( 6 ), the following new paragraph : " ( 7 ) NEGATIVE INFORMATION. " ( A ) NOTICE TO CONSUMER REQUIRED - IN GENERAL,- If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
* ( B ) TIME OF NOTICE* IN GENERAL. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
" ( C ) COORDINATION WITH OTHER DISCLOSURES.-The notice required under subparagraph ( A ) - " * may be included on or with any notice of default, any billing statement, or any other materials provided to the customer ; and ** ( i ) must be clear and conspicuous. " ( D ) MODEL DISCLOSURE DUTY OF BOARD TO PREPARE -- The Board shall prescribe a brief model disclosure a financial institution may use to comply with subparagraph ( A ), which shall not exceed XXXX words. " ( I ) USE OF MODEL NOT REQUIRED -No provision of this paragraph shall be construed as requiring a financial institution to use any model form prescribed by the Board. * ( ) COMPLIANCE USING MODEL A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any such model form prescribed by the Board, or the financial institution uses any such model form and rearranges its format. " ( F ) SAFE HARBOR A Financial institution shall not be liable for failure to perform the duties required by this paragraph " if, at the time of the failure. 
the financial institution maintained reasonable policies and procedures to comply with this