davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (GA)

Thank you for your response to complaint number XXXX. In your response you did not acknowledge the part of the law you are in violation of. SELF IS REPORTING EXPERIENCES between their company and me the consumer as late payments. EXPERIENCES ( late payments ) ARE EXCLUDED FROM THE CONSUMER REPORT. 15 usc 1681a ( 2 ) ( A ) ( I ) states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates (IN)

Company began calling my cell phone number ( XXXX ) repeatedly leaving voice mails with incorrect mailing address but my correct name in regards to a debt owed. They also began to call my spouse and may be calling my extended family repeatedly throughout the day to try and get a hold of me.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I had us bank credit card issue a check for {$8800.00} for a balance transfer from Barclays Card Service. XXXX XXXX XXXX XXXX, PA XXXX I originally had a Barclays card but my account was sold to XXXX XXXX XXXX. 
This balance transfer was made by XXXX XXXX. 
I thought Barclays and XXXX were under the same umbrella. I thought this because I was told that and Barclays would send to XXXX XXXX. I have attached the check copy front and back to show Barclays received and cashed the check.
Consumer complaint received 2022-03-29
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (VA)

In XX/XX/2021 I missed half of a payment to US Bank on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.
Consumer complaint received 2022-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IN)

We were behind 4 payments with our previous mortgage holder XXXX Bank when they sold our Mortgage to XXXXMr. Cooper. When we contacted XXXXMr. Cooper to make a payment we were told the past due balance had transferred and they required XXXX simultaneous payments before they would allow us to make single payments. It took a couple weeks to get the funds together and it that time we passed over into the following month. When we called to make a payment we were told that they would now require XXXX simultaneous payments before they would allow individual payments. We again took time to gather the funds and contacted them again today to make the payment. They now have told us the remaining 2 months would be divided and added to the remaining XXXX mortgage payments of the year. When we stated we couldn't afford that they told us the only other option would be to file a reassessment of our mortgage but in that time no mortgage payments would be accepted. They keep making it increasingly more difficult to catch up on our mortgage and are leaving out details at every turn.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX acct XXXX XXXX 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 instruction.
Consumer complaint received 2022-12-01
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: CITIBANK, N.A. (NJ)

CITI BANK BROUGHT IT TO MY ATTENTION THAT A PURCHASE WAS MADE ON A BRAND-NEW ACCOUNT THAT I HAD WITH THEM. AT THE TIME OF XX/XX/2022, IT WAS BRAND NEW. THEY INFORMED ME MY ACCOUNT WAS PAST DUE, AND I HAD A BALANCE. I EXPLAINED TO THEM THAT I HAD NEVER RECEIVED CARDS FROM THEM AND NEVER DID I ACTIVATED ANY CARDS. AFTER GOING BACK AND FORTH AND THE REP GAVE ME OPTIONS AND PROMISED ME THAT SHE WOULD HANDLE THE MATTER. SHE WAIVED THE LATE FEE, AND I AGREED TO PAY {$100.00} UNTIL THEY COULD INVESTIGATE. SHE ALSO VERIFIED THAT SHE COULD SEE THAT THE CARD WAS NOT ACTIVATED FROM MY PHONE NUMBER AND VERIFIED A NUMBER NOT ASSOCIATED WITH MY ACCOUNT ACTIVATED THE ACCOUNT. I IMMEDIATELY GOT UPSET AND REQUESTED TO REMOVE ALL CARDHOLDERS. SHE SAID THAT I WOULD BE ISSUED A NEW CARD WITH NEW INFORMATION. XXXX AND XXXX CAME, AND AGAIN THE SAME THING OCCURRED. WHEN I TRIED TO USE THE CARD IN XXXX, IT WAS DECLINED. CITI BANK SENT ANOTHER CARD AND GAVE ME THE SAME EXCUSE FOR 3 MONTHS. TO THIS DAY, AN INVESTIGATION HAS NOT BEEN COMPLETED. EVERY TIME I CALL THEM, THE CALLS ARE DISCONNECTED. NO ONE HAS NO UPDATES. THEY HAVE GIVEN ME THE RUN AROUND AND RUINED MY CREDIT. I HAVE NOT BEEN PROVIDED WITH NO DOCUMENTATION OF ANY INVESTIGATION THAT HAS TAKEN PLACE. MY ACCOUNT HAVE NOT BEEN CREDITED, NOR HAVE THEY RETURNED MINE OVERPAYMENT OF {$100.00}
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

SUMMARY : WE ARE BEING FINANCIALLY PENALIZED BY ROCKET MORTGAGE FOR ENTERING INTO A MORTGAGE FOREBEARANCE/LOAN MODIFICATION. 

My family originated a XXXX, conforming Mortgage with ROCKET MORTGAGE in XXXX of XXXX. We were current on payments and in full compliance until COVID hit and I lost my stream of income as primary earner/payer. We applied for and commenced COVID Mortgage forebearance in XX/XX/XXXX. As of XX/XX/XXXX we resumed normal payments of our Mortgage. 

Also in XX/XX/XXXX, we filed an NSURANCE CLAIM for roof damage we had sustained in a prior wind/hail event in South Carolina and were awarded a Net Claim Payment of {$28000.00} on XX/XX/XXXX. 

Upon receiving the settlement check, to which ROCKET MORTGAGE was a named party, we endorsed the check and followed ROCKET MORTGAGE 'S stated rules for an Insurance Event UNDER {$50000.00} - to wit : they receive the check and promptly pay the funds back to the Mortgage Holder to complete the repairs. 

Yesterday, XX/XX/XXXX, we spoke with a Director in ROCKET MORTGAGE Insurance Claims group ( XXXX XXXX XXXX, who informed us we would have to accept partial payments under their " monitored claims '' guidelines. She explained this was due to our participation in the COVID Mortgage Forebearance program.

Unfortunately, after understanding ROCKET MORTGAGE 'S stated, published process for sub- $ XXXX insurance claims, we had engaged a contractor and paid a {$1000.00} deposit contingent on full payment at time of scheduled service. We will lose this money as a result of ROCKET MORTGAGE 'S predatory scheme to withhold our insurance settlement. 

I have read that it was NOT CFPB 's intent that consumers be penalized in any way for participating in the COVID Mortgage Forebearance programs, but ROCKET MORTGAGE is clearly violating that spirit and intent. 

Please help! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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. (MN)

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 Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2022-09-21
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: CORELOGIC INC (TN)

I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Loan Modification Denied with out and explanation. 


Per the denial letter dated XX/XX/2021. That XXXX XXXX XXXX. has reviewed you for options that would allow you to keep the property and for options that would mean that you would not keep the property and we have evaluated you for all other available options to ensure you have sufficient information to make an informed decision. 
Proprietary Modification Declined Short Sale- Conditionally Approved Deed In Lieu - Conditionally Approved While you provide no documentation disclosing the terms Mr. Cooper or XXXX Bank XXXX XXXX offer or NPV input used. We demand that Mr. Cooper or XXXX Bank XXXX. provide the terms the loan was reviewed for and XXXX input used additionally request review for any other programs Mr. Cooper offers as well as Standard, In-house Modification, or a repayment plan. 

Mr Cooper did not provide any NPV inputs, showing what the existing loan balance is, what interest rate is, what the principal and interest payment is. Please provide the full NPV inputs and why an affordable modification could not be reach. 

Additionally, we request that our the Brookhysers be fully reviewed for all programs including but not limited to temporary reduction, forbearance program and /or deferment program ( balloon payment ).
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (GA)

In accordance with the Fair Credit Reporting Act GRANT & WEBER INC, 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 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Chime Financial Inc (NV)

Family member stole my chime card and book the trip in my name and I asked time to give me my money back that someone stole my card from my phone and time decided the same day not to give me my money back and I talked when an attorney and they said they having a lot of problems with that issue with Chime and to cancel the trip they said they didn't see no problem with the transaction that don't even add up to cancel the trip and give me my money back they denied the claim about the police report for identity theft about this battle and chime will not give me my money back
Consumer complaint received 2022-12-01
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: BlockFi Inc (FL)

My credit card stopped working after the company went into bankruptcy. They have not paid rewards for the last month I had the card. The owe me XXXX XXXX. I've reached out to the company but received no response.
Consumer complaint received 2022-06-29
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. (MI)

In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXX XXXX  XXXX Public Record XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for Equifax and XXXX to verify.
Consumer complaint received 2022-06-06
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 Act XXXXXXXX XXXX XXXX  ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-06-29
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. (MI)

In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX  XXXXXXXX XXXX {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} # XXXX XXXX XXXX XXXXXXXX XXXX  {$870.00} # XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. 
I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Foris DAX, Inc. (AZ)

I applied for the " XXXX '' XXXX XXXX And completed all requirements and then I was supposed to be sent the card to use. NO CARD! There is no way to contact them. Everything is verified and completed and still no card. Please explain to me why I can not get access to a card attached my my account?? Thank you- XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

Citi Card Flex Loan terms. I had one Citi Flex Loan for 3 years at 5.99 %. Citi advertised that I could get another flex loan for 5 years at 6.99 %. I intended this to be a second loan not a replacement for an earlier flex loan. I was surprised by Citi when they sent me an email indicating that my first loan had been paid off. I assumed that the email was a mistake. I specifically had questioned the agent I dealt with on this matter, but he didn't disclose that this was a replacement loan not a second loan. 

The Citi phone menu system makes it nearly impossible to find a person to talk to about the Flex Loan program and when I did get connected to such a person they clearly were not a native, clear speaking agent.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

i written the following companies with a debt validation letter and had no response, The company americollect and XXXX XXXX. I asked them to provide the original contract with my signature, the full payment history, name and address of original debt collector, and proof that they own the debt or have permission to collect. i have not recieved these and i would like them removed from my report!
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (NC)

I completed a loan agreement online with Klarna at XXXX XXXX  on XX/XX/2021 for a total of {$3300.00} at 0 % interest to purchase a massage chair from XXXX XXXX XXXX. Terms were {$94.00} down payment, 35 payments of {$91.00}, and a final payment of {$91.00}. 

At XXXX XXXX  that day, I received an email with a loan plan attached that had different terms that the ones I agreed to : {$400.00} down payment, 35 payments of {$83.00}, and a final payment of {$83.00}. They also immediately placed a hold on my debit card/checking account for the {$400.00} down payment. 

Although the total amount to be paid is the same, they changed the terms of the loan without my knowledge or agreement. Fortunately, I had {$400.00} available in my checking account, so I did not bounce any checks. 

At XXXX XXXX  on XX/XX/2021, I initiated a chat with Klarna to find out how they could illegally change the terms. I supplied them with PDFs of both Truth in Lending Disclosures, along with a screenshot of the hold they placed on my account. When they finally understood my issue, they said they were upgrading it to a specialist who would contact me. 

On XX/XX/2021, the {$400.00} charge cleared my bank. At XXXX XXXX  on XX/XX/2021, I finally received an email response from Klarna, which incorrectly stated that I had reported a problem with my order with XXXX XXXX XXXX and that they have paused my payment schedule. So I used XXXX to find a Klarna customer service number ( XXXX ) and spoke with someone there. She had no answers for me, could not transfer my call to the specialist department, and said that that department would contact me in the same time frame as previously, i.e., about 3 days. 

Fed up with Klarna, I called XXXX XXXX XXXX and spoke with customer service there. I asked them to charge my credit card because I didn't want to deal with Klarna any longer. XXXX XXXX charged my credit card the full amount, and refunded and cancelled the loan with Klarna. Klarna then emailed that they would refund my {$400.00} within 7 days. 

I recommended to XXXX XXXX that they cease doing business with Klarna due to their deceptive lending practices and incompetent customer service. However, I am still concerned that other Klarna customers may have their loan agreements changed after acceptance.
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have contacted the following companies that have a hard inquiry on my credit report on Equifax and they have no knowledge of me. 

XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022