davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing has not paid the real estate taxes on my mortgage secured loan and I have received multiple delinquent notices from XXXX XXXX, Virginia. On XX/XX/2021 I contacted the mortgage company regarding my delinquent notice. I was never able to speak with someone and instead was given an address to mail my bill to. Even though our escrow balance is above the amount that our real estate taxes are, and I have sent the letter with the delinquent tax bill per automated instructions, our tax bill has increased as it has not been paid.
Consumer complaint received 2018-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XXXX & it came back XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NC)

Citibank Visa credit card and I assume most credit cards charge late fees and what is already an obscenely high interest rate. It 's unconscionable that both are permitted by law. If a credit issuer is permitted to stuff fees into terms and conditions, at which point does " standard '' terms become worse that loan sharks? These so called regulated industries are no better - 16 % plus in interest charges. How is it a credit card is able to charge a flat {$25.00} on late charges regardless of the balance owing? And each month add another {$25.00}? Plus able to charge interest on the outstanding balance? 

For a balance of {$110.00}, in two months I had {$3.00} in interest charges ( yes that 's about 16 % annualized, to an institution that pays currently 0 % ), and also {$62.00} in late fees, which amounts to 338 % annualized. How is it that credit cards are able to charge both late fees and interest? It 's either interest or late fees. And how is it that regardless of the balance the fees do n't change? Whether is {$110.00} or {$10000.00}? 

Clearly these are predatory fees and serve no purpose other than to gouge the lower income, lower balance consumers. I would like to launch a credit card service which charges low interest rates, maximum balance and no fees, how would I do that? Not easily because the regulatory frameworks protect large financial institutions from competition, and in this example are clearly not protecting consumers from predatory practices.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC (TN)

THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (GA)

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Kohls/Capital One opened XX/XX/XXXX - and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late and old reported lates are appearing on my credit report affecting my XXXX XXXX. These should be removed from my history specifically : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account was closed with {$0.00} balance XX/XX/XXXX- so why are they reporting me 90 days late.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One reported that I was late on my Credit Card payment in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. This war correct. I called to let them know that I had gotten the XXXX XXXX virus. During my illness. I had no means of handling my financial obligations. I finally was able to make payments and currently I'm up to date. I was under the impression that late charges were not to be applyied during this pandemic. I send letters and made phone calls to Capital One with negative results. I would like to have these 3 late payments removed from my credit report. This has caused a impact to my credit report. I am a XXXX XXXX XXXX XXXX veteran who has been trying to improve his credit by doing the right thing. Which is to make amends with passed creditors. Please let me know of any results
Consumer complaint received 2020-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Nelnet moved my account out of unemployment forbearance in mid-XXXX without a notice to me. No letter, no email, no call. I reapplied for the forbearance via postal mail. 

XXXX rolls around. Nelnet sent me no letter, no email, no calls. 

XX/XX/XXXX - Nelnet finally contacts me and tells me Im 1 month behind. They want {$350.00} or thereabouts. 

Nelnet, by failing to communicate in any way, deceptively led me to believe I had the forbearance issued by the CARES ACT. Apparently they say my loans starts with a D, which means sorry I dont get that. No letter, call or email about that either. 

I filled out a forbearance form today XX/XX/2020 in response to the first communication I received from them since well before XXXX. No notice or an end to a forbearance, no bill, no calculated payments, nothing. 

I requested an administrative forbearance, as well as a renewal of my unemployment forbearance. I have no job, I eat XXXX  once a day if Im lucky, sometimes half a can of tuna. I dont qualify for food aid because Im a male, and there are no jobs. 

I am at the end of my rope.
Consumer complaint received 2024-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

I have two private loans through Navient. One started repayment on XX/XX/year> interest rate is very high. The original principle balance was {$2000.00}. I have paid almost 20 years on this loan but the balance is now XXXX. How does that even happen with making payments that long? This business is a scam and money hungry. My other loan has been in repayment for the same amount of time and original balance was {$3700.00} but now it's {$10000.00}. What a joke. My payment is over XXXX a month with both loans. The XXXX I went to was XXXX online and it's been proven to be a scam school and federal loans are being discharged for that XXXX. Sometimes needs to get done about this.
Consumer complaint received 2017-12-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Funds have been removed without permission from my account, mother 's account ( XXXX ), and/or wife 's account without permission and possibly savings and checking. I have on a number of occasions gone to the branch bank to check where the funds have gone and to interpret my statements. I have not removed that much money! My involvement in her account began in 2006 upon her XXXX. There have been many account number changes in attempts to stop funds from being fraudulently withdrawn, and unaccounted.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

According to XXXX XXXX XXXX XXXX, the resident ( s ) located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. opened a Cable/Internet/Cellular account using my personal information. I do not now nor have I ever resided in XXXX, California. 

The account was placed in collections with Diversified Collections Inc. and is threatening to damage my credit - the account number for the collection is # XXXX. 

A police report was filed on XX/X/2017 with the XXXX Police Department, Tracking # XXXX.
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IN)

My mortgage company rocket mortgage Quicken Loans cold called me about refinancing. The person pulled my credit report without my knowledge or consent. I complained about this talk to a director. They decided to go ahead and try to refi my mortgage which again I did not request a cold called me. We agreed on 2.875 % interest rate and no upfront cost for closing cost of any kind. After delay after delay on their part they now tell me I owe {$1700.00} at closing I complained and they reduced it to a little over {$1000.00} in closing but I told them I was told from one of their directors there would be no closing cost of any kind. This is been going on since XXXX of this year. They keep trying to assess late fees for mortgage payments but I was not to make a payment because of the closing. This is utterly
Consumer complaint received 2020-07-22
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-24
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 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 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020, I noticed that my credit limit was decreased from {$17000.00} to {$7600.00} and the letter in my app with Chase advised too many revolving limits on your credit report. I have never been late on a payment and always pay more than my minimum and because of Covid I have used my cards more than usual. Since my credit limit has been decreased from {$17000.00} to {$7600.00} now my credit score will be impacted with a higher debt ratio and I think this is not right. My balance on this card is XXXX so now it will show I am utilizing almost 100 %. I was given no warning what so ever from Chase nor was I told that my credit limit can be decreased.
Consumer complaint received 2020-08-31
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. (IL)

not mine filed to the ftc XXXX XXXX XXXX XXXX XXXX. 3 of them XXXX XXXX XXXX us dept of education XXXX  XXXX XXXX  use
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My issue happened in XXXX. As an XXXX, i freshly arrived in XXXX XXXX from couple months spent in XXXX XXXX, XXXX. It is in XXXX XXXX I opened my bank account ( Bank of America ) .When i came in XXXX, i met someone from same country as mine in the XXXX  I was in.He lived in XXXX XXXX and told me that he needed some cash if i can help him to withdraw some cashes with his check he uses in XXXX . Willing to help him, I agreed to help him to cash a check of {$500.00}, then I put it in a Bank of America ATM machine. Couple minutes after receiving half of the amount in cash, my account was closed without any notice. I worried and went to check it with a Bank of America representative I knew on XXXX in the XXXX. I called Bank of America customer service and tried to talk with someone to explain my issue, they didn't want to hear anything from me. And also at at that time I could barely speak English since I just came in the USA with my XXXX. I decided to wait later to find a way to solve the issue. The issue prevent me from opening an account with a bank in the USA, that is why I want to solve it. My though on why all this happened is maybe the check is from XXXX. I really do not and I want some explanation.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (IL)

I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. 
On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. 
XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. 
I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. 
Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. 
XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. 
These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

In XX/XX/2021, Ally Financial offered an Extension Agreement for my automobile loan for one month as follows : A scheduled payment of {$150.00} will be due XX/XX/2021 and the remaining scheduled payments of {$370.00} each will be due on a Monthly basis beginning XX/XX/2021. 

Ally Financial followed up this Agreement in writing ( see attached letter dated XX/XX/2021 ). 

Payment in the amount of {$150.00} was paid to Ally Financial on XX/XX/2021 as agreed. 

XX/XX/2021, Ally Financial emailed me a notice stating that I am 27 days past due. 

I have tried to contact them via telephone and by email ( see attached ) dated XX/XX/2021 to correct this past due status. 

How can you be 27 days past due one day before payment is due? 

The collection department states I am {$860.00} past due as of XX/XX/2021 and the Customer service department states I am {$1200.00} past due. I can not get them to agree to the terms they agreed to in writing with me. 

XX/XX/2021, Ally Financial sent a letter apologizing for incorrect due date on the extension however, they have reported their error on my credit report and in their records and expect me to adhere to their error.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

In XXXX or early XXXX I went to XXXX Hospital Emergency Room to be seen. I was not treated since I felt better and left the waiting room where I had been told to wait since no beds were available. I never received a bill from XXXX Hospital  and only realized I was charged for this when it appeared on my credit history. I do not have the date of service, since I never received a bill or an attempt to collect. A complaint was made directly to XXXX Hospital  but it was already with collections. This derogatory mark on my credit history is making it difficult to qualify for a line of credit.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.