davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (OH)

Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I just want to start this by saying that my loan is currently under loan modification. I am leaving one mortgage company and in the process of going to another ( freedom mortgage ). All of these phone calls and agents that i spoke with are all on a recorded line at freedom mortgage. On XX/XX/XXXX i called freedom mort. And talked to an agent XXXX about our XX/XX/XXXX payment that was due. On a recorded line he told me that i had XXXX in unapplied funds and assured me that i could use that money to pay for my XXXX payment. I told him that i would call a couple days later to make that payment. On XX/XX/XXXX i called freedom mortgage and spoke to an agent XXXX ( agent ID XXXX ) to make the XXXX payment using the unapplied funds. I paid the XXXX difference and she added the XXXX of unapplied funds to it to complete the XXXX payment. She gave me a conformation number for payment and both of us were aware that this was going to complete the XXXX payment. On XX/XX/XXXX i received a letter in the mail stating that my XXXX payment was never made and that the XXXX dollars wasnt enough for a full payment and that it was placed in a separate account on hold. I called and spoke with XXXX ( AGENT ID XXXX ) i explained to her what happened and after looking through my account she informed me that agent XXXX put the XXXX to interest and not my XXXX payment. XXXX told me that she was going to put in a request to see if the money could be moved but she had to put in a request and that took 2 days to process. The last question that i asked her was in a worse case scenario will this request be denied and she said no it will not be denied. So i got off the phone with her believing what she said was true and i Immediately called freedom mort back and spoke to a supervisor in the escalations dept and spoke to XXXX agent ID XXXX. She immediately told me that basically XXXX who i spoke to in XXXX lied about me not being able to use the unapplied funds for the payment. They were able to pull the recorded phone call and heard him repeatedly telling me that i could use the money. XXXX told me that since my loan was under modification the money couldnt go to my payment that was due. I informed her that i had spoke to many agents from freedom and none of them mentioned this to me. So now due to their mistakes and lies i am behind a whole payment. On XX/XX/XXXX agent XXXX called me and told me that she was working with another supervisor named XXXX the mitigation supervisor and XXXX agent ID XXXX to see if they could do anything but they called me the next day and told me there was nothing that they could do and that i was behind a payment. I spoke with 3 freedom mortgage agents on the phone and none of them are telling the truth. They misinformed me that i could use that money for my XXXX payment and even gave me a conformation number. I dont trust giving freedom mortgage anymore of my money because Im not sure of where its going.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX XXXX XXXX. The Credit Bureaus including XXXX, Experian, and XXXX are in violation of the FCRA.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY CREDIT SYSTEMS INC (NY)

A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.
Consumer complaint received 2022-09-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX XXXX XXXX # # # # # # # # # # # # 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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

XX/XX/XXXX - {$39000.00} - Car loan with Kia Motor Finance XX/XX/XXXX - {$41000.00} - Payments made from XX/XX/XXXX thru XX/XX/XXXX Account is now paid in full. 
As of XXXX XX/XX/XXXX credit agencies e.g., XXXX  have not been updated. Credit Agencies are still reporting an open balance of  {$15000.00}. Kia Motor Finance has not updated the credit agencies since XX/XX/XXXX. 

I have called, emailed and written Kia Motor Finance but they are unresponsive and ignore all communication.

I have a Letter of Satisfaction from Kia Motor Finance and my payment history attached for your review.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I sent a letter to Equifax, XXXX, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (LA)

Car purchased XX/XX/XXXX. The car was stolen XX/XX/XXXX and was reported to XXXX XXXX XXXX Police Department and my insurance company. 
The vehicle was paid in full by my insurance carrier on or about XX/XX/XXXX. 
Santander is reporting the vehicle as a charged off account with a balance of {$11000.00} as XX/XX/XXXX. 
This account has been paid and close.
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (RI)

On XX/XX/2020 I received a notification that my credit had been run by a mortgage company, I was in the process of buying a house back in XXXX, the deal didnt happen. We are still looking for a house and we found a listing recently my wife and I were interested in seeing. We contacted our real estate agent. The real estate agent decided to call the mortgage loan XXXX XXXX XXXX from Movement Mortgage in XXXX RI and asked for a preapproval. We never spoke to the mortgage loan XXXX XXXX XXXX and requested this. We werent even sure if we were going to use this company again. The loan XXXX XXXX XXXX ran my credit without asking. I didnt even receive a phone call after. I found out through a alert on lending tree.The last time I gave permission to run my credit was in XX/XX/2020.
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

XXXX XXXX XXXX this company keep calling I do n't know who they are calling for I have ask them to removed my number and they are still calling they have been calling since Monday XX/XX/XXXX @ XXXX XXXX, Tuesday XX/XX/XXXX @ XXXX, Wednesday XX/XX/XXXX @ XXXX XXXX, I have returned a called and told them to remove my number but all they did was call from a different number. the following numbers they have called from XXXX and XXXX they are calling everyday and refuse to stop calling after they was told do not call this number. and I just received this number so I do n't know nor care who they are looking for just stop harassing me.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MN)

I purchased a ticket for a flight to XXXX from Minnesota XXXX. Flight was for XXXX. Due to the omicron surge XXXX XXXX XXXX  I was unable to keep my travel plans. I contacted XXXX immediately and was told my flight was completely nonrefundable despite the extenuating circumstances and literal doctors note. I have contested the charge with my credit card company because I did not receive the service and shouldnt have to pay, and they keep siding with the airline and being unhelpful.
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

I was unaware that for a {$800.00} loan I would be paying a total of {$6800.00}. That breaks down to 887.8767 % a.p.r. I was not supplied with information at the time of the loan. I had to dig to uncover the facts. They stated that the finance fee was a one time charge, but it turns out to be an ongoing interest charge. It is impossible to reach their customer service department. Please help.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (TX)

I am writing to express my grave concern and dissatisfaction with the conduct of XXXX XXXX XXXX, a representative with whom I have been in contact regarding mortgage assistance. I believe it is crucial to bring to your attention the alarming circumstances surrounding his actions, which I fear are preventing me from receiving fair and equal representation in my attempt to seek mortgage assistance. 

During our recent interactions on XX/XX/XXXXI have become increasingly apprehensive about XXXX XXXX 's behavior, which gives me reason to believe that he may be obstructing my efforts to obtain the necessary assistance. I am deeply troubled by the following issues : Discriminatory Conduct : I am concerned that XXXX XXXX 's judgment and actions are influenced by biases, as I feel unfairly judged and discriminated against during our conversations. This undermines the principle of fair and impartial treatment that I expect from your organization. 

Impediment of Mortgage Assistance : It appears that XXXX XXXX may be intentionally hindering my ability to secure mortgage assistance. This not only goes against the principles of fair representation but also raises questions about the integrity of the assistance process. 

I am particularly distressed by the prospect that XXXX XXXX XXXX be working against my best interests, potentially leading to serious consequences such as foreclosure on my home. This situation is causing me significant distress and is a direct impediment to resolving the mortgage-related issues I am currently facing. 

I urge your organization to conduct a thorough investigation into this matter. It is crucial to ensure that all customers, including myself, are treated fairly, without bias, and have equal access to assistance programs. Additionally, I request that appropriate measures be taken to rectify any discriminatory practices and to guarantee that XXXX XXXX fulfills his role in assisting customers without prejudice.

I appreciate your prompt attention to this matter, as it directly impacts my financial well-being and housing stability. I trust that your organization will address this issue seriously and take the necessary steps to rectify the situation.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I am a XXXX who just received my social security card from the US government as I began working on a XXXX funded program. Since I had no credit history, I applied with Wells Fargo bank for a credit card. The application was denied and I was kept in the dark for a week and only received this information when I called up their customer care service. The reason for rejecting my application was lack of permanent residence proof and when I said that I have a SSN, they asked me to fax it or go to the Bank and a representative would do it for me. I went to the branch at XXXX, XXXX and also gave them a copy of my employment letter and the representative said she would call me up the next day and let me know the status. She did not bother to do so and I had to call her and leave my number twice the next day. When she finally attended my call, she said that the application was rejected. I know that Wells Fargo was in the news for cheating its customers last year, this just proves that their service is deteriorating too. The exhaustive process not only affected my credit rating, but also consumed a lot of my time.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

continuous, technical failure and inaccessible, live, bank clerks at phone answering systems and main, bank headquarters phone have repeatedly prevented attempted activation of my, new, bank, debit card at both, bank, customer service, phone numbers, which repeatedly respond ; that I entered incorrect, bank, debit card and social security numbers ; when I entered only correct numbers, and the on-line, bank website and customer log-in and complaint, phone numbers repeatedly respond ; that I still need to select and receive a debit card style and number ; when I already have both of these to enter without on-line means to proceed and access required, customer account registration for card activation ; which has repeatedly prevented activation and use of this, bank, debit card and essential, bank card transactions and cash withdrawals for more than two weeks
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HONOR FINANCE, LLC (TX)

This company by the name of Honor Finance has been continuously reporting inaccurate information to all three major Credit Bureau. I have filed several disputes asking all CB to delete this inaccurate information based on the grounds that this company has not provided myself or the CB with sufficient information as requested. It has been 7 months now, extremely past the allowable time in which the creditor has to respond to my request of information and validation of debt, in accordance with FDCPA. At this time this company is in violation under FDCPA section 809 ( B ). The derogatory information thats being reported is stopping me from advancement in my career.
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, 2017 CFPB : XXXX XXXX XXXX JPMChase refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX, IL XXXX XXXX