davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (IL)

I applied for a credit card with Fortiva XX/XX/2022. I recieved an notice of denial stating that income is insufficient/low. 

What law requires consumers to have a certain amount of income to attain credit? How does Congress define income? 

Denying me credit has had a discriminatory effect and has caused me to delay in getting life essentials for my my family. Not having access to the credit needed is taking a toll on my family and my XXXX from the stress of not being able to get the things my family needs when we need it.
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (LA)

This company ' sent someone to my home on XXXX XXXX at XXXX to repo my car. We were going to take our kids on vacation the next day and had purchased their clothes and beach items and had everything already packed in the trunk of the car. I contacted the company and they said the car lot wanted the cad back and would not accept the payment I made that it would be returned to me but they took the payment anyway I 'm now with no car had to rebuy everything for our vacation and out out of XXXX.this company is a ripoff something needs to be done it is no big deal to them because they have their car and my payments
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I reviewed my credit report and saw two medical collections with the same collection company, i do not owe the alleged debts. And To my understanding medical information under 12 CFR 1022.32 can not be shared. Also it would need prior consent to be furnished under 15 U.S.C 1692c ( a ). It is upsetting that this sensitive information is being passed around.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Ray Klein, Inc. (OR)

First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( XXXX XXXX XXXX ) on it, and small claims info, but with no date. Not in an envelope.I, XXXX, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that address, XXXX bills for different amounts came, but from a person Ray Klein, dba another collection agency.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (IL)

Credit Collection Serv XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXXXXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

XXXX  Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

When making online, through personal bank, payments to my XXXX mother 's Walmart/Synchrony credit card account ( 9 payments in 6 months ) I opened her latest bill/statement to see a late fee, and another for this month. After calling customer service, basically I was told some of the payments were made too early. No wonder Walmart and the credit card companies continue to rack up huge profits. I do not have this issue with my accounts and am wondering if this is appropriate way of business.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I sent personal information letters to the bureaus urging them to remove any personal information that is incorrect or inaccurate while providing the necessary documents. EXPERIAN and XXXX XXXX continues to report inaccurate names and an incorrect address on my report. 


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. 15 USC 1681 clearly states : It is policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy, security and confidentiality of its customers non public personal information. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I am in the process of refinancing my mortgage and the lender asked me to call my servicer ( loancare ) and ask them to pay the taxes due this month prior to closing on the refinance. I have written them through their website ( 4 times ) and spoke to customer service on the phone twice with no results. In addition to paying out the taxes due, I informed them that I received notification that my total tax payment has been reduced by XXXX county. They said they were never notified about the reduction, so I attached the document I received from the county to the emails I sent to them. When I check their website, the taxes are still listed at the higher amount, nothing has been fixed. I am losing patience as I would like to close at my new lower rate.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (IL)

XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

CONTEXT Now coming to the main issue, this email is regarding the refund for my cancelled XXXX XXXX flight which I booked through Chase Sapphires reward program. The flight details were changed multiple times by myself and later by XXXX XXXX which is causing delays in conversation since the complete context is not clear to all the parties involved. So, I am now going to note the details down so that they act as the source of truth for future reference. 

TRIP DETAILS PASSENGER : XXXX XXXX ( XXXX ) BOOKING REFERENCE : XXXX TICKET NUMBER : XXXX XXXX PAYMENT METHOD : Chase Sapphire 's Reward Points TRAVEL DATES ( I changed the travel dates multiple times and later it was changed by XXXX XXXX so here are the details of travel dates in each iteration along with the initiator of that change. ) Iteration Number Start Date Return Date Change Initiator Ticket/Email PDF Comments XXXX XX/XX/2022 XX/XX/2022 N/A ( trip creation ) Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Myself Link XXXX XX/XX/2022 XX/XX/2022 Air XXXX XXXX ( Don't have it since it wasn't sent ) XXXX NA ( trip cancelled ) NA XXXX  XXXX XXXX ( Don't have it since it wasn't sent ) I later learnt from one of the XXXX  XXXX 's customer support agents that not sending the cancellation email is an XXXX  XXXX policy and instead I was supposed to check my XXXX  XXXX app 's notification . 


REQUEST Given the details I provided, I feel it would be fairly easy to process my refund and so I once again, after multiple existing requests to each of the parties, request you to kindly initiate the refund either as reward points ( since it was the payment method ) or cash worth the same monetary value.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.
Consumer complaint received 2022-09-05
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. (TX)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX  XXXX Balance : {$50.00} SELF XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX  XXXX Balance : -
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX    Financial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (OH)

My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stanislaus Credit Control Service, Inc. (CA)

was sent a bill from XXXX hosp.XXXX ca for $ XXXXXXXX.I called them told them once XXXX and XXXX pay there is no bills sent to me by law.now I get a collection notice from SCCS XXXX ca XXXX phone is XXXX ..reference # is XXXX ... I called them for XXXX times and requested they call me I am still waiting as of XXXX/XXXX/2015 XXXX pst..
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-03-17
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. (MS)

I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX TUI ), XXXX XXXX, never late XXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX -TUI, XX/XX/XXXXXXXX, XX/XX/XXXX-TUI, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.