davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Student Loan Finance Corporation (CO)

XXXX, XXXX a private student loan company that i had a student loan through formerly called XXXX now goes by the name XXXX reunion student loan finance company put my account in default status a couple years ago. WHich should not have gone into default when i was making the payments. CFPB got the collection fee off of my account for me. 
The school i orginally took out the loan for is called XXXX XXXX which has gone bankrupt and no longer exists. After the default status which they should not have been able to legally do at that time. i then stopped making payments on account and the XXXX has turned the past due debt over to there attorney saying that if payment arrangements are not made there will be legal action taken against me with a potential law suit. 
They are claiming an amount past due of approximately {$5100.00} There attorney i received a letter from is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NV)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I purchased a couch from Arhaus in XXXX and took advantage of a 0 % promotion for 2 years but chose to pay off in equal {$950.00} installments automatically through my bank over that 2 yr period but the last payment ended up less and I paid it a few days late. 


The Full Balance due was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and interest was paid on XXXX XXXX XXXX XXXX XXXX XXXX XXXX in advance of the correspondence but they never reversed the Late Fee as granted below and continue to charge Late Fees and Interest to date on an account that had no balance due. 

In addition they continually delayed responding to messages in order to run up additional fees which now total {$91.00}. This is completely invalid as they received every dollar owed timely and this is simply a case of predatory & unscrupulous finance practices. 

The below is the correspondence I had with Comenity Bank on my Arhaus Credit Card. 

From : You Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX Good morning I'd like to respectfully request a courtesy waiver of the late fee and interest charge on my account last month in the amount of {$29.00} & {$2.00} respectively. I have made all payments timely since I have been a cardholder in XXXX and was only late due to the fact that I was aware my final payment was less than the monthly I had been paying since inception of the account. Once I was aware of the amount the payment was made in full immediately. 
Please advise if you will accommodate. 
Kind regards XXXXX XXXX From : Comenity Bank Sent : Saturday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 

We credited your account. 

We're happy to let you know that we have credited a {$29.00} late fee to your account, as a one-time courtesy. You can expect to see the credit applied to your account in 2-3 business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXXXXXX XXXX on your scheduled due date. 

This late fee credit is dependent on making your next payment on time. 
If you fail to make the minimum payment due on or before the due date, this late free credit will be reversed and a new late fee will be assessed. 
Thank you for your loyalty and have a great day. 
If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and TRANSUNION show XX/XX/XXXX.
Consumer complaint received 2021-01-30
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: AES/PHEAA (NJ)

American Education Services ( AES ) reported five ( 5 ) missed or late payments on two ( 2 ) student loan accounts for a total of ten ( 10 ) payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with AES on a few occasions including phone, email and certified mail. I spoke with a customer service rep in XX/XX/XXXX and after careful review he stated there was a misunderstanding of how the account was being reported and suggested I submit a formal dispute to have their credit team review and update -- After reviewing several disputes AES concluded the reporting was accurate but AES failed to give me proof of any evidence they followed compliance of properly notifying me of negative reporting at the beginning of the negative reporting period ; AES also failed short of notifying the CRAs that I dispute the accuracy thus there was no remark of dispute left on my credit file. Subsequently, I made a direct dispute with each of the CRAs to have them investigate the legitimacy and compliance procedures to no avail as they provided no method of verification. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I spoke with customer service manager at XXXX XXXX regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by XXXX. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

i, XXXX XXXX XXXX, woman of flesh and blood, beneficiary to the account XXXX XXXX XXXX ssn : XXXX dob : XX/XX/1992 previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] current living address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX [ zip code exempt ], new mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] have submitted several disputes to Equifax through the CFPB as well as USPS but have received no results and it has now been well over 30 days. 

I received a letter by mail from Equifax stating that they received my request concerning my Equifax credit file but that they could not locate my file. That it may be due to me not having a current file, or not applying for credit recently, or that i have not actively used credit in ten years. However when I logged into Equifax I was able to find my credit file. Is there a reason why you were unable to find my credit file but I am able to? Also out of the two scores presented by XXXX XXXX one of them is connected to Equifax. Equifax has allowed corporations to provide documents affecting my way of living but is refusing to investigate my disputes. Is there a reason you have chosen not to investigate my disputes? i provided Equifax with proof of identity and address, i provided Equifax with account numbers, i provided Equifax with proof of payment in full, i provided Equifax with proof of the corporations receiving payment yet they have taken no action on my behalf to correct my credit file. What is the reason for this? To state that it is due to not locating my credit file when that is clearly a false statement leads me to believe that you are working for the corporation and not for we the people. Equifax has allowed these corporations to continue to destroy my credit score in an attempt to extort more money from me. Provide lawful reason as to why you have taken no action to my dispute.
Consumer complaint received 2019-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has repeatedly harassed me both at my place of business and on my personal phone. They also have been spoofing their ID trying to hide their numbers from me so Ill answer their nasty calls. Ive told them numerous times not to contact me at work but they still are. I do not owe these people anything and their harassment needs to stop. They just called me today on a Sunday. Thats taking it too far on a Holy day.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IN)

In XX/XX/2018 I contracted with XXXXXXXXXXXX for TV service and internet. After Tv was connected, I was informed that XXXX could not provide internet service. I was forced to fine alternate internet service. About three ( 3 ) weeks later we were unable to get TV service. Screen message said " problem with satellite ''. Tihinking that XXXX surely knew when the had problems, I did not report this outage. Within a few days a second outage occurered, making tv completely unusable. I called the phone number on screen and was greeted by a woman who refused to let make a notification about the outage until I purchased an insurance policy in the amount of {$99.00} on the XXXX  equipment which I was paying rent for. I refused and was informed that I was " going nowhere until I came up with {$99.00} ''. I hung and the next day went to the local office and informed them that I was cancelling my service and why. I returned all XXXX equipment the next day to their local store. No one would sign that I had returned the equipment, but I left it anyway. 
NowXXXX is billing me {$680.00} for early cancellation charges. 
They completely ignore any letter that I send and have turned the matter over to a debt collection agency.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates (NV)

PREVIOUS CASE NUMBER : XXXX NOT RESOLVED NEW PROBLEM. On XXXX XXXX, XXXX, I send by signed return receipt a letter XXXX XXXX XXXX to settle my balance after making XXXX {$100.00} payments. I specifically stated to contact me by mail only due to lack of telephone responses on their part. I have not received one piece of mail countering my offer and now on XXXX XXXX without ANY WARNING I 've received an order to execute garnishment on property or wages. I have made many offers to settle this account and have told them I am on social security only. XXXX XXXX XXXX, who told me he did n't care that I was on social security, and there is nothing he can do to accept any of my offers, is bullying me. I have a part time job paying {$250.00} a month to buy groceries an I was willing to find a way to get a settlement with XXXX XXXX but all he wants to do is argue and demine me. I can not afford to have my wages garnished as I am on social security only. This XXXX XXXX XXXX. has never contacted me by mail when the filed my bank account be taken which is my social security and is exempt. NOW THEY NEVER COUNTERED MY OFFER BY MAIL AS I REQUESTED AND NOW WITH NO NOTICE THEY FILED TO GARNISH MY WAGES. I have tried so many times to settle with this company BUT ALL THEY DO IS YELL AND XXXX AND TRY TO BE SLEEZY AND SNEAKY TO GET AT MY EXEMPT MONEY. I WILL be going to a judge to get a stay on this garnishment as I feel that the practices of debt collection from XXXX XXXX XXXX. IS COMPLETELY DISHONEST. They just bully the XXXX out of you and get judgements passed WITHOUT ANY NOTICE. THEY NEED TO BE LOOKED INTO FOR UNFAIR TREATMENT TO ME AS A SENIOR CITIZEN AND I 'M SURE THERE ARE MANY OTHERS THEY BULLY. I have done my part to settle this with them.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

Due to Covid19 my business took a decline and I was unable to make mortgage payments.

I requested a forbarence and in XX/XX/2021 I was told by telephone to resume my payments and the balance I owed would be deferred. That was not true as I did as I was told =, made a payment and thsn recieved notice of forclosure. I called loan service company and requested another forbarence to figure out what was going on with my loan. 

Meanwhile, in XX/XX/2021 I did recieve a letter requesting I accept a derferment, I called to confirm the letter as my prior experience this was not true. When I called, I was told a modification would be a better option. I filled out the modification application which apparently cancels out the deferal request. 

XX/XX/XXXX I recieved notification that modification was denied and was offered options of short sale or deed in lieu of trust. My intention was to always keep my home. 

I am frustrated by the run around and misinformation, I was told repeatedly and only to recieve a response to leave my home.
Consumer complaint received 2022-04-26
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. (WA)

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 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 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 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK (VA)

I spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have not applied for a credit card with Bank of America. On Tuesday, XX/XX/XXXX I received in the mail a VISA credit card from Bank of America. I can not find any phone number published that will allow me to talk to anyone at Bank of America about this problem. So instead I sent an email to them citing the illegal issuance of a credit card in my name and requesting confirmation in writing this account will be closed immediately.
Consumer complaint received 2020-10-21
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)

A demand for verification of debt was presented to Equifax and XXXX   by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Consumer complaint received 2020-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

I am trying to refinance my mortgage with TCF Bank. However, they never answer the phone to provide necessary information. Ive been on hold on 6 occasions for more than 2 hours each time and cant get in touch with anyone. My mortgage broker has also tried several times to contact them and cant get through to anyone. This is making my refinance impossible to finalize and will end up costing me thousands of dollars. TCF Bank is the WORST bank Ive ever dealt with. I cant even say their customer service is terrible, because it doesnt even exist, there is no customer service, Im just out on hold forever with no resolution. People should avoid TCF Bank at all costs. Dont bank with TCF!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 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 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