davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Management Control, Inc. (MN)

My credit report reflects a balance of XXXX owed to credit management cntrl. This balance is from a company called XXXX XXXX which I previously rented from. I attempted to dispute this with XXXX XXXX and they would not return my call. It then went to collections. I spoke with XXXX once in XXXX requesting an itemized list of what damages they were claiming. I never received said list and allowed it to go to court so I could dispute the charges there. The initial amount that went to court was in the XXXX dollar range. I apologize I don't have the exact amount in front of me, but even with the court costs it was under XXXX even with the court fees. I was able to get XXXX XXXX to correct the amount owed in court to what I actually owe which is XXXX ; we settled in court and set up a payment plan of XXXX per month beginning on XX/XX/XXXX. I contacted Credit Management Control today at XXXX and spoke with XXXX again. I requested she adjust my credit report to the correct amount. She is refusing to do this. She is intentially leaving the incorrect amount of XXXX on my credit report even though she has received the court documents showing the amount owned is XXXX. ( She read these documents to me over the phone, so she clearly has them. ) I requested to know who to file a complaint with and she initially stated she did not know just that they were governed by the federal government. I asked to speak with her supervisor and she stated her supervisor is the owner and refused to give any contact information for her supervisor. She stated she would give him a message. I asked if I would receive a call back and she stated she really did not know. I told her I would continue to call back daily until I spoke to a supervisor. She laughed and stated she didn't care how many times I called back, she would be certain I am always dealing with her. After continuing to argue with her she finally informed me I could try to file a complaint with CRPB. What are my rights as a consumer. I exercised my right to take this to court, was able to settle the debt for what should have been the initial amount in the beginning, but the credit reporting agency is refusing to correct my account. I am fine if they want to leave the balance on my credit until the debt is paid, but is should most certainly be the correct balance which this XXXX clearly has in front of her. Please advise what I can do to get my credit report corrected.
Consumer complaint received 2022-07-20
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. (MD)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXd account XXXX, XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX account XXXX, has violated my rights.

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-05-11
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo Mortgage stated I refinanced my home in XXXX. That is not true. I refinanced that home in XXXX for 15 years. I was not eligible to refinanced that home again with a VA loan because it was not my primary resident. My loan was sold to Wells Fargo and they refuse to listen to me. The paperwork that they sent me is not official it has a signature without other information.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as Experian, XXXX and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Experian, XXXX and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of XXXX5 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MN)

My auto loan was through Ally financial. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid {$780.00} in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldnt do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in XXXX regardless of those payments they had been accepting ( without me knowing it until today ) and continued taking my payments. Last payment was on XX/XX/23 for {$900.00}. They repod vehicle on XXXX with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they wont even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.I could have paid entire amount owed in back payments ( which only was equivalent to two monthly payments ) today and got the loan current. They will not work with me whatsoever and refuse to listen to me about how they didnt comply with the Minnesota state laws regarding the Cobb notice requirements.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I purchased a new laptop from a company ( " XXXX '' ) for {$260.00} on the XXXX of XX/XX/XXXX. This laptop was sent to me with a significant flaw, and was " significantly not as described ''. I attempted to send the item to XXXX for repair or return, and was denied.

As a result, I had to resort to filing a dispute with Paypal/Paypal Credit/Synchony XXXX XX/XX/XXXX. Paypal/Paypal Credit/Synchrony have been repeatedly denying this dispute based on absolutely nothing, taking months to reply to even basic emails.

I filed a XXXX  complaint about Paypal/Paypal Credit/Synchrony 's behavior on XX/XX/XXXX. They replied to my complaint without actually acknowledging any of the facts of this case, and did not attempt any resolution. 

I have attached the XXXX emails, XXXX  complaint, and an example response from Paypal/Paypal Credit/Synchony about a chargeback .
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (FL)

I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-11-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased this car in XXXX of XXXX. The delearship misrepresented the federal tax credits for this fuel cell vehicle and I feel that if I had known that there was not a {$8000.00} federal tax credit for this car I would not have purchased it. I have asked the dealership and Hyundai Motor Headquarters to send me the Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Manufacturers Certification Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Domestic Distributors Certification But none of them have sent me this information. In addition, ever since purchasing this vehicle they have been offering $ XXXX off of the MSRP price versus when I purchased the vehicle the discount was for $ XXXX off of the MSRP price. I don't think it is good business practice for them to offer an additional $ XXXX off of the price only 2 months after purchasing the vehicle and extend that offer for this length of a period of time. Obviously the discount has been in place for this long because they do not see the vehicle valued as much as they thought.
Consumer complaint received 2022-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (VA)

We use the CARES ACT for our mortgage serviced by XXXX XXXX XXXX. We thought all documents were completed only to find out that after they sold our Mortgage to MidFirst XXXX and we tried to refinance that we can't due to unfinished paperwork. We are currently trying to refinance and we cant refy or sell due to this issue and we have exhausted our resources in trying to get this matter corrected and need help.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (UT)

Inaccurate reporting on my credit report. Sent 1st dispute letter with certified mail Receipt XX/XX/XXXX. NO RESPONSE from Credit Bureau. Sent 2nd Letter ( 30 Day past due - NO RESPONSE LETTER ) as well as notification of inaccuracies still reporting and demanding deletion of account. STILL NO RESPONSE! Sent Letter # 3 on XX/XX/XXXX certified mail again demanding deletion of the account as the credit bureau had obviously not verified with the creditor. The account inaccuracies were showing multiple months of " XXXX '' which illegally re-ages the account. By not replying to the consumer as requested within the allotted time frame, violating the FCR Act as well as their willful non-compliance and violations of not doing their due diligence of investigating and verifying said account with the reporting company ... .. the account must legally be deleted from my credit report!
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (TX)

I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

Hi, I have has many issues with Citi advantage credit cards. I tried using it for the first week I received the card and it was accepted. A few days after I tried again and was denied. I called and was told they couldn't verify my information. I paid the balance off and I have tried to cancel the cars multiple times and without luck. The same response is given every time I call to cancel the card ; they can't verify my information and they can't cancel my card. For whatever reason, my number can't be verified on their end. Please help me with this issue so I don't continue to pay interest to a card I can't use.