davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (GA)

I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CapitalCredit LLC (TX)

My original complaint number is XXXX and Capital Credit LLC just breached 26 U.S. Code 7213 - Unauthorized disclosure of information. They had no right to publish my personal information on this open platform. Now this has caused me harm and I will seek legal action.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (MS)

Pen Federal Credit Union trustees retaliated against me for reporting their discriminatory actions to CFPB. Notice to agent is notice to principal, notice to principal is notice to agent. 


She reached out to tell me that she has restricted my account access. I have not been able to access my funds or any account functions. This goes against my consumer protections and rights. I also have a right to know the exact reason why my account is re I have a right to privacy and beforehand you all were supposed to disclose to me the use of my securities. 

You did not allow me to exercise my right to opt out of having my consumer reports pulled to open an account and why was I denied an account. They did not provide a clear answer to this. It is clear that this is discrimination, Banks get their funds from consumers via our securities. So, Why would you use a credit reporting agencies who doesn't know anything about me to discriminate against my rights, titles and interest. The law must provide remedy. I am the holder of the security here not XXXX, XXXX or any other consumer reporting agencies. Why are you putting a third party in our private matters? If your policy is to discriminate make that very clear in words because this is clear right now. Why is your bank violating consumers right to privacy when we are creating the relationship with your bank? This is not right and I am very upset. 
See 15 U.S. Code 6801 - Protection of nonpublic personal information My security secured this account not any credit reporting agencies that house information from third parties. I have a right to credit in which you are treating it as if it's a privilege that came from you when I am the holder and investor and source where it derived from. You denied my person XXXX XXXX XXXX a checking account knowingly that I am the holder of this security. 15 U.S. Code 1691c2, Equal Credit Opportunity Act, The Dodd-Frank Act 15 U.S. Code 78c - Definitions and application ( ii ) Trust activities.The bank effects transactions in a trustee capacity, or effects transactions in a fiduciary capacity in its trust department or other department that is regularly examined by bank examiners for compliance with fiduciary principles and standards
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MD)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt XXXX you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (AL)

I applied for a XXXX gas card from Synchrony bank. XXXX  I received a phone call from XXXX claiming to be Synchrony bank wanting to verify information. I stopped giving information after I gave my address. The caller could not verify from me that he was Synchrony bank. I hung up. I then contacted Synchrony bank from a secure chat, they could not verify the number I gave them was in Synchrony banks directory. I need to know if I need to report this to the police. I never gave out any passwords, SSN or DOB. But did give them my address. 

Please help XXXX XXXX
Consumer complaint received 2020-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

The company charged me for items and has been billing me for items that I did no purchase or receive. This is very aggravating as I have tried discussing and they still have advised they will continue to bill me. They have charged me more than double multiple times.
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have already contacted cfpb in the past about bank of americas procedures. they are giving me issues with my claim i have been trying to file for over a year now. i was finally able to file the claim now they keep wanting me to go on and verify myself over and over again
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Enterprise Acquisitions (MI)

This is for a car rental. I was renting for a period of time. The car broke down and the company took no responsibility for the vehicle. They did not tell me that they weren't accepting responsibility and left me stranded for 5 hours. Additionally I had to find new transportation and I had to incur the cost of a hotel room because I was in another city when the car failed. The car is still sitting in the spot where it broke down because I had no idea what to do. Even the next morning after the company opened they still refused to pick me up or bring me another vehicle that worked. It seems they expected me to sleep in the car until they decided what to do about it. Nothing like this has ever happened on a car rental.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION (CA)

I am filing a complaint against my Mortgage Company ( M & T Bank ). Unfortunately, due to recent events in my life, paying my mortgage has not been as easy. I called my mortgage company on XX/XX/year> and spoke to a representative regarding my PMI payment. I requested my payment to be taken off the loan ( payment is {$370.00} ) because that alone can alleviate the high mortgage payment and can have an impact on my expenses significantly. The customer representative stated that she put in the request and that I would be receiving correspondence in a week or so regarding request. I never received correspondence. On XX/XX/year> at approximately XXXX hours, I called my financial institution again and spoke to XXXX, customer service representative. I explained my situation and she read the correspondence that was sent. Correspondence stated that the PMI would not be able to be taken off the loan due to it be installed for the life of the loan. She continued, that the only way it can be taken off is if I were to refinance. I responded that refinancing would cause me to have the same or higher mortgage payment due to the high interest rates. XXXX XXXX placed me on hold and contacted her XXXX, XXXX, to explain the situation. XXXX XXXX then told me that they could not assist me on their end, however, the Homeowners assistance program ( another department within their financial institution ) would be able to. XXXX XXXX proceeded to state that the downside of the Home Owner 's assistance program in attempting to help is that my loan had to be in " delinquent '' status. I asked her to clarify, she stated that I would have to stop paying my loan ( I have never missed a payment, nor have paid it late ) and let it go into delinquent status. I told her that I was not refusing to pay into my loan, I was just requesting that the PMI to be removed, which would alleviate my financial situation. I told her that allowing my loan to go into delinquent status would affect my credit, something that would affect my whole livelihood. questioned, how can a Bank that I should be trusting tell me that in order for them to assist me, is also asking me to harm myself in the same sentence. I am baffled of how as a consumer, I am being asked to stop paying into my loan in order to receive any some sort of assistance. The current events in California, with the high cost of living, should alone be a great factor in these Banks having discretion in their terms to assist the consumer. I am not asking for them to assist me with a whole monthly payment, I am simply asking a Bank that I pay in full every month, to have compassion towards people like me ( that never go into default with their loan ) and assist with a simple PMI monthly removal.
Consumer complaint received 2020-07-03
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. (GA)

i sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a XXXX  ( XXXX XXXX XXXX  ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
DISCOVER ACCT # XXXX I ATTACHED XXXX, CREDIT REPORTING FROM XXXX AND XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LoanCare, LLC (TX)

On the month of XXXX. My ex spouse made copies of social security card and driver. Made fake bank statements and paychecks. I was only living at the home we had gotten together for 2 weeks or a month. So I move out and back to my mother 's. We argue for months about the home. I want her to just buy me outfor my half. But she was thinking since I be behind payments in child support that I should just signing. I didn't want to just ha no
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED/XXXX : Installment Loan, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

PayPal has disable my account so I am no longer to access the dates of the transactions. I have access to the 6 fraudulent transaction amounts. 
1. XXXX 2. XXXX 3. {$1.00} 4. {$0.00} 5. {$34.00} 6. {$30.00} I was only made aware of these transactions when I received a letter from a 3rd party collections agency. I have never funded or used that PayPal account, I simply created the account and never used it. I found an old email stating that the email on my account was changed, so I wouldn't get any updates of the transactions that took place. PayPal never contacted me via my phone number on the account that my email was changed, that these suspicious transactions were taking place, or that I had incurred a negative balance. PayPal acknowledged this occurred and allowed me to submit a dispute/claim. Within 18 minutes of submitting this claim it was denied. It is impossible they actually investigated this claim in 18 minutes of receiving it. This is going to effect my employment as I now am in collections. I will continue to contact PayPal and the collection agency to remove this.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXX  from XXXX and took out private student loans with XXXX XXXX , and those loans were transferred to Navient in late 2014. I made payments on these loans from the time of my graduation until they were paid off in XXXX. XXXX has been acknowledged by the Department of Education as having engaged in misconduct in recruiting prospective students by claiming higher than actual job placement rates for graduates. I was one of the students that was led to apply in part due to these job placement rates, and I graduated from XXXX in XXXX. I experienced first-hand the lack of jobs available after my graduation and felt taken advantage of by the University. 

I am a class member of the XXXX vs. XXXX lawsuit where the Department of Education has settled with the class offering federal loan forgiveness and refunds of payments made. That process is ongoing. 

I have recently been made aware of a pilot program for school misconduct discharge for private loans by Navient. This program would not only discharge any private loan balance from a school that has engaged in misconduct, but also refund any payments made to Navient on these loans. I called Navient to inquire about this program, and was told that since my loans are at a zero balance, this was not something I was eligible for. 

Given that I attended a school that has been acknowledged by the government to have engaged in misconduct, I should not be penalized or excluded from this program due to having done the right thing and paid off my loans. I should still be eligible for an application, and I believe, a full refund of payments made on these loans. I humbly request that Navient be compelled to provide me with an application for this program. Thank you. 

The attachments to this complaint include the XXXX  XXXX XXXX settlement agreement where XXXX XXXX is listed in Exhibit C as having engaged in misconduct worthy of having my federal loans forgiven and refunded, as well as an email I received from the Department of Education documenting my status as a certified class member entitled for relief as defined by the settlement agreement.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Final communication for accounts XXXX for {$2200.00} and XXXX for {$250.00}. 
On Previous communication I requested the Purchase Agreement from your alleged debt purchased from XXXX XXXX ( two accounts ). This piece of information was denied and I'm attaching proof of the denial. Therefore if you can't demonstrate your own the debt ( not by sending copies of statements, or account report summaries ) but the actual Bill of Sale within the Purchase Agreement you signed when you bough " My alleged debt '', then, you don't own it. Therefore you are not legally allow to report this account to the credit bureaus nor to collect on this alleged debt. You can't just buy accounts that belongs to someone and fail to demonstrate you obtained it legally. You need to STOP all collection RIGHT NOW. This is an attempt to remedy or I WILL SUE. I've been denied housing, credit lines and car trade in I attempted due to this alleged debt. I will be suing for compensation for up to XXXX in remedies and Defamation of character. 

Also, I see account XXXX has a name different than mine. Please delete immediately.
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mobiloans, LLC (FL)

I recently joined XXXX XXXX, and reviewed my credit report. I see there is an account from Mobiloans on my credit report. I have never applied for an account from Mobiloans or any other loan because I am a starving XXXX XXXX  and do not have a job. I live on my college campus and can not begin to think who would 've stolen my identity. I called the XXXX number that was on the credit report but was passed around only to be told that the account had been written off. Unbelievable that an account could be opened, never paid and closed without anyone at Mobiloans becoming suspicious. 

I have filed an identity theft report with the Federal Trade Commission. The report number is XXXX. I have also reached out to my campus police to make a police report of this fraud. Apparently, Mobiloans do not verify identity prior to giving out loans.