davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (TX)

I am a current account holder and have maintain a pre-existing business relationship with One Main FinancialXXXX, TX. I requested on XXXX office visit and submitted my written request to be placed on a monthly Payment Plan, so I don't fall into default on my loan. 
The reason for my inability to maintain the original loan payment is due to a wide range of conditions which have affected my ability to maintain the original monthly charges. These include unexpected medical debts, pandemic expenditures over a prolonged period, rising costs of living, economic inflation, and the dollar amount of my fixed XXXX income. 
Under the Texas law I should be able to be placed on a payment plan which I was refused. I have acted in good faith in trying to pay my loan but recently treated unfairly when I asked to be placed on a monthly plan to avoid default actions.. Rather, I was placed on 2 deferments for half of the original payment amount I struggled to pay in XXXX and XXXX. I was informed by local office that corporate policy allowed 2 deferments options per year only and I would have to return to original payment amount for XX/XX/XXXX. I was clear in informing the staff at that time, in person and by phone that I just didnt have the funds. I asked and asked to be set up on a monthly payment plan I could afford not a fixed price they dictated. I hand carried a {$75.00} payment for XXXX payment which was refused and not accepted. 
My interest rate of 29.62 % I was told could not be readjusted or refinanced, loan dated XX/XX/XXXX and is At this time, I can afford to pay {$50.00} per month over the next 6 months and hopefully be able to restart my normal payments in XX/XX/XXXX. I am open to an XXXX Hearing and wish to avoid default and negative credit report. In addition I requested w my interest rate of 29.65 % could not be adjusted or refinanced at a lower interest rate and Loan taken out in XX/XX/XXXX.
Consumer complaint received 2022-04-12
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 (TN)

I set up a onetime auto pay for XXXX XXXX dollars they did not remove the funds when they said allowing another transaction to dip in the money so I canceled the payment. They took it upon themselves to continue to run this same payment even after it was canceled mind you I am not on autopay. I called in and made a XXXX payment on XX/XX/XXXX by the way no bill was due until XX/XX/XXXX. I tried to use my card and nothing happened. I call in and they tell me my account has been closed for to many return payments and the fact is they sent them through without my permission and they just took my money and closed the account damaging my credit
Consumer complaint received 2023-06-29
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: Velocity Portfolio Group (NC)

In accordance with the fair credit Reporting act CKS Prime Investments {$840.00}, XXXX XXXX XXXX {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-08-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Disputed Debt that is paid in full and has been for over 13 years. I paid in full in XX/XX/XXXX the amount due of {$58000.00} which is noted and reflected in the US Department of Educations own financial records which I have copies of. Since then they have stolen my federal Tax returned declaring right of offset to the sum of over {$9800.00}, and yet ConServe continues to threaten Wage Garnishment which has been tried over 5 times in the past 13 years never once being successful because NO DEBT IS OWED. Account Number : XXXX ; Debt Number : XXXX, XXXX. Under the rights of the Fair Debt Collection act I am disputing the debt as it does not appear on any of my Credit Burrow files from XXXX, XXXX, or XXXX. I currently hold a XXXX XXXX XXXX, and my current mortgage on my home is an FHA  backed mortgage. The only company who seems to believe I owe this money is ConServe and I am demanding that they cease all collection efforts and stop harassing me. I was called on XX/XX/XXXX at XXXX and the lady on the phone who would not give me her name marked the collection as disputed. On XX/XX/XXXX my lawyers at XXXX XXXX XXXX responded to a letter post marked XX/XX/XXXX. Under the Fair Debt Collection Practices Act where ConServe & the US Department of Education finally produced a forged part of what appears to be a fictitious promissory note that clearly says pages 1 of 3, but pages 2 of 3, 3 of 3 were not provided. There is no indication in the copy they provided, of the terms of repayment, the amount borrowed, and many other significant terms of valid loan agreement. I have requested numerous time for an accounting of the payments, I have made on these loans - both to the department of education and the various loan servicing companies- and no account has ever been provided. I have paid these loans in full 14 years ago this XXXX.
Consumer complaint received 2016-06-27
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Halsted Financial Services, LLC. (CA)

Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.
Consumer complaint received 2018-12-21
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 was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-04-12
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX XXXX and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

i recieved several phone calls of which were threats via robo call messages. no identification noted. then i recieve a recent letter concerning a bank that i had a account with more than 18 years ago that was only a checking account 5th 3rd that i closed due to fraud overdraft fees. i attached the letter and more info on how this bank was sued for such acts now they are at it again through the listed law firm. XXXX XXXX and XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited 30 days and I haven't received anything. The letter was mailed out on XX/XX/2023, compliant ID is : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian is holding me back from getting a home. This is very frustrating because I am trying to buy a home for my family, but Experian is doing its job according to the law.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

The problem is with an incorrect IRS substitute form XXXX, the year-end statement for XXXX that I am required to have to deduct mortgage interest on my taxes. It only reflects interest paid XXXX through XXXX, which was after the merger of SunTrust and Truist. This form was generated on XX/XX/XXXX. 

My new mortgage loan was set up with SunTrust on XX/XX/XXXX and an initial payment was deposited on XX/XX/XXXX as part of the closing. Monthly payments to SunTrust began in XXXX. Payments were made automatically monthly for all the rest of the months of the year. SunTrust and Truist merged during this time. Now all communications and documents are through Truist. Truist does reflect all my payments of the year on the account activity page, but the substitute form XXXX only reflects XXXX through XXXX, which is after they merged their computer systems. I have called them several times, and the service agent requested a review, and they said they had not made an error. They refuse to allow me to speak to anyone else or to provide me with an email or other address. 

The total interest paid between XX/XX/XXXX and XX/XX/XXXX was {$11000.00} This number is taken from their own account activity page. The number on the form XXXX only reflects {$5400.00}, which was the amount from XX/XX/XXXX through XX/XX/XXXX. 

Please help! I need a corrected form to deduct the mortgage interest on my taxes. 


Below I have attached screenshots of the monthly payments from their webpage. I have no email or letters to attach because they will not provide any contact info.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

Dear Sir or Madam, This is a complaint against Chase Bank XXXX credit card under Amazons Myrewardscard. 

I receive notices from Chase via text messaging and on XX/XX/XXXX. Chase indicated that they would pay my credit card payment that was due on XXXX XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I received the attached emails from Chase I had missed my payment. 

On XX/XX/XXXX I called Chase customer service and inform them that I had not made payment because of their offer to pay my XX/XX/XXXX payment. I was told by customer service that they had never heard of such a thing, and this wasnt something that Chase does for its customers as far as they knew. This was a customer service supervisor that made the statements. 

They said that they were unable to assess what messages were sent to me. They suggested I contact them via their secure messaging service and send the screenshot of the offer. I did this immediately. 

Their internal team confirmed that the text came from Chase. 

I wouldve expected this to resolve the issue and in doing so I would be XXXX XXXX wrong. As of today, I received the on going emails asking for payment and I was assessed a fee for not being on time. 

I did call customer service again and apparently ; they had no record of any of this information as they asked me to recite the issue and to pay my bill. I asked that the call be transferred to a customer service individual that functions as a supervisor. The transfer was made however this person apparently had no record of any of this occurring on their computer screen - this is not credible given that every call and communication is recorded documented in time stamped these are routine industry practices. 

Regrettably the stress of this got to me and I used a XXXX XXXX protected form of speech that was not used in a threatening, deeming, or insulting manner. I again explained everything to the individual who continued to seek clarity despite me giving a full accounting of the issue. Again, I apparently used the magic word, and she told me they were going to terminate the call at this point which she did with nothing being corrected. 

The old customer friendly approach Our way or the Highway.
Consumer complaint received 2017-08-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

The Dept of Education and XXXX have listed multiple loans out in my name with derogatory remarks on all of THEM. When applying for a loan through them, I was n't intending to ever be late on payments or default. My account was sold to XXXX XXXX XXXX and I 've been making every single payment on time! I need help removing these additional accounts in my name. Having one account listed with derogatory remarks is fair. I missed payments and could n't make ends meet. I believe I 've been punished for long enough for a loan I took when I was XXXX. Please help me fix this information. If my loans were combined and sold to XXXX XXXX as one entity, my credit report should show a sole account under the US Department of Education. These same loans are listed under XXXX XXXX, AS WELL. Two entities reporting on the same loans??? I should have one account under US Department of Education. Not two accounts listed for the SAME LOANS under two entities. Only one entity should be reporting these loans, not TWO. Please help me remove these other accounts.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On this date XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES opened a collection. 
Account # xxxxxxxxxxxxxxxx XXXX {$410.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. 
Please have this account removed from all three credit bureus.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A check was sent to me by mail, ive never cashed a check before but i saw bank of america had the mobile version so i cashed them only to find out how checks really work after the fact and realized i got scammed. There were XXXX checks total worth {$3000.00} I tried logging in my bank app around XXXX am for them to tell me its locked, XX/XX/XXXX. I call around XXXX am XX/XX/XXXX for them to tell me my account is closed, although they didnt tell me why i know why. So i would like to clear up any future hindrance. The check felt real, but i didnt ask myself what did i do to deserve this. I dont need to open a new account with Bank of America XXXX but would also like to not have a remark on my name for such foolishness on my end.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (GA)

I wanted to set up a business account with Axos and started the process in late XX/XX/2021. After so much back-and-forth issues, I let Axos know that I was withdrawing my interest and would set up an account with a local bank. TWO DAYS AFTER I sent the email stating I was no longer interested, they withdrew {$1000.00}. from my personal checking account to open this new business account. Needless to say, I was furious and emailed immediately, then followed up with a phone call on XX/XX/2021. I was told the account would be closed and they would return my {$1000.00}. via wire transfer ( the same way they TOOK my money without my permission ). I was informed this would take 3-5 business days. It has been two weeks and my money has not been returned.
Consumer complaint received 2022-04-12
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2022-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (CA)

I called GM Financial XX/XX/2021 to set up a payment so it wouldnt be 30 days late as of XX/XX/XXXX. I talked with someone and she verified my checking account and I took that as they would process a payment. I get a call XXXX XXXX notifying me that no payment had been made. I immediately call to see what happened and they informed me I was supposed to make the payment and that they didnt process it on XX/XX/XXXX. So I went online and paid it. I tried to speak with a representative and was told someone would call me back. I called several times and was placed on hold and nobody came or calls were never returned. It was a clear miscommunication if they listen to the tapes and I had not missed a payment in over 2years and I would like that 30 day late removed for their workers part in the miscommunication. Thank you