davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My name is XXXX XXXX We missed our first payment XX/XX/XXXX to Mr. Cooper mortgage . we enrolled in Illinois hardest hit program which helps homeowners who are behind or struggling with their mortgage. by XX/XX/XXXX or balance was {$6200.00}. We were approved. And received payments. On XX/XX/XXXX we received 5 payments, four payments of {$1500.00} and one payment of {$5400.00}. Totaling {$11000.00}. On XX/XX/XXXX we received two more payments one for the amount of {$1600.00} and one for {$800.00} totaling {$2400.00} with a grand total of {$14000.00} minus the {$6200.00} balance owed leaves a overpayment of {$7800.00}. We have never received a statement of a zero balance even after we were up to date on our payments. On XX/XX/XXXX we received a statement reflecting we owe a balance of XXXX we are still waiting for them to apply the {$7800.00} that we are owed. We have tried on several occasions, dozens of phone calls to resolve this. Even after showing them the statements that they provided us showing they received the payments, they still are forcing us to prove they received the payments by asking for a statement from Illinois hardest hit program.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (IL)

I entered into an agreement on XX/XX/24 with uprova credit and the interest rate was not disclosed until the documents were signed. Im a resident of Illinois and the interest rate is 334 % which violates the Illinois cap rate on interest of 36 %.
Consumer complaint received 2022-04-28
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: General Motors Financial Company, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 purpose.

4741
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XX/XX/23, an unauthorized withdrawal occurred on my Chime checking account in the amount of {$48.00}. 
On XX/XX/23, I contacted the bank to inform them of the fraud and they refused to explain the transaction. They also refused to remove it. 
I believe this bank is in violation of Regulation E.
Consumer complaint received 2021-04-29
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc (IN)

The company MCA MANAGEMENT COMPANY has placed a collection on my credit in the amount of XXXX. A certified validation letter was sent on XX/XX/2022 to this company and response they did not cooperate with validation information : Failure to provide the below items : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not yet expired on this account.

Provide me with the license that they are allowed to collect within my state. 
Provide me with your license numbers and Registered Agent or Agent of Service/s. 

They are in violation of Violation of the Fair credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation Of Character due to not providing the necessary information requested.
Consumer complaint received 2024-03-19
Product: Credit 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: CITIBANK, N.A. (TX)

Citybank decreased my credit limit on all my credit cards, which seems like abuse to me, a bank has never lowered my credit limit, I have never been late on payments, I have never overdrawn, I don't understand why. They change my credit limit on my three cards.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Someone Fraudulently purchased a {$500.00} gift card to XXXX XXXX and used my credit card. I disputed with Citibank and their billing disputes team initially issued a {$500.00} conditional credit then reversed the credit after talking with the Merchant. The Merchant provided Citicards with a bogus email address and suggested that the person committing the fraud had downloaded and used the gift card. 

Citi negligently failed to compare the email address that I have had on file for them for 10 years with the email address the gift card was sent to. Then Citi reversed the credit and charged me for the purchase on my XX/XX/XXXX statement. Citi now says the dispute is closed in the Merchants favor.
Consumer complaint received 2020-10-25
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. (TX)

XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611.

Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute.

Your lack of immediate response clearly violates my rights according to 605B. 
I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. 
Transunion has deleted the reported information, and blocked the reporting of these from my current report. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and XXXXurnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). 
Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. 
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action.

I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NC)

I got a letter from Cavalry on XX/XX/2020 about an obligation for XXXX. With all the scams going on, I sent a validation letter on XX/XX/2020. Calvary responded on XX/XX/2020 which incorporated a generated bill statement expressing that was confirmation and it's my obligation which doesn't meet the FTC guidelines of what constitutes proper debt validation is. None of the documentation had my signature on it and the pertinent documentation mentioned to demonstrate the debt is mines wasn't sent. I reacted with a second letter on XX/XX/2020 requesting them to validate the debt and informing them of their violation of the FDCPA. I've enclosed all letters sent and received. I'm waiting now on my request for a validation letter
Consumer complaint received 2017-12-21
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: National Credit Systems,Inc. (FL)

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (TX)

Experian has repeatedly denied attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting on my credit report. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX  already found the reporting to be erroneous and from eight years ago.4.  This reporting is in violation of XXXX XXXX XXXX Texas, XXXX XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XXXX of XXXX - XXXX of XXXX. They received payment from XXXX of XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XXXX XXXX XXXX received Payment in full. The record are listed below. 1. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}
Consumer complaint received 2023-06-19
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. (TX)

XXXX in the name of XXXX XXXX is doing nothing but running peoples credit by doing soft and hard inquires under names associated with XXXX XXXX or XXXX XXXX. Such as the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there XXXX score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

The account was in charge off status on my report from XXXX and experian I disputed the account and it was removed from Experian but not XXXX. In XX/XX/2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my experian account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XXXX! However if you look at the history of the account you will see it should not be reported as open and current!
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Experian continues to report a XXXX account involved in FRAUDLENT ACTIVITIES. XXXX   is aware of the FRAUD so why is EXPERIAN STILL REPORTING this account? I REQUESTED EXPERIAN NOT TO USE the XXXXXXXX  system which eliminates a 100% accurate and complete investigation. They continued to use it and verify this XXXX account anyways.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

In past years Fedloan and previous student loan service providers steered me towards Forbearance and Deferments. Yes, I was struggling and often unemployed or under-employed. However, I simply needed to get a monthly payment that I could handle. I was never told that interest would not stop and that these periods of time would count against me. Now, these past Forbearance and Deferment periods are equivalent to financial death sentences for me and my struggling family. As a XXXX and an older ( senior ) head of household impaired by XXXX and other health challenges, I simply am at my rope 's end. Please help me help my kids. Please. 


Please assist me in accordance to the U.S. Department of Education 's policy intent, to count these Forbearance and Deferment periods as qualifying payments towards my Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On Monday, XX/XX/2018 I went into XXXX  XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX  through XXXX. I called XXXX  XXXX spoke to XXXX   who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX  this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.
Consumer complaint received 2022-04-28
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXXXXXX XXXX XXXXXXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXXXXXX XXXX  XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.