davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX  Balance : {$170.00}. Please see that this inaccurate information were corrected immediately.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/XXXX I applied for a platinum credit card and XX/XX/XXXX I applied for a Gold credit card with American Express. I got denied for both and I wanted to handle this affair with American Express promptly by sending a notarized letter on XX/XX/XXXX, and also trying to call Amex Investor Relations. I tracked the letter through USPS and noticed that American Express Investor Relations received my letter however I didn't receive a email nor a phone call. I gave American Express a security which they then turn into receivables which are now considered asset backed securities which guarantee payment for American Express. To prove what I'm stating it's on Amex prospectus on the third page shows a diagram of how Amex handles securities. With this being stated clearly I gave Amex something of value ( a security, my application ) which Amex then violates my right to credit.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (MT)

I have contacted One Main Financial multiple times to resolve the debt owed. They are running me around between them and their hired attorney because I have found multiple inaccuracies with the debt and want it deleted instead of paying them after they wrote the debt off ( which is recorded in my credit report ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

NelNet student loan servicer transfered my loans over to XXXX. Afterwards, I received student loan forgiveness. The issue is that NelNet is double reporting my student loans eventhough they no longer service my loans, even with the PSLF forgiveness.

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All NelNet balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The studentaid.gov, XXXX and NelNet websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. Nelnet says they were unaware of the reporting. 

XXXX has tried to dispute it, but says NelNet has not made the correction. However, XXXX left me an message saying that the information was updated, but yet the balance and NeltNet still remains.
Consumer complaint received 2021-09-02
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. (PA)

Equifax reported a XXXX XXXX account, XXXX account and a XXXX XXXX account ( sold to XXXX XXXX XXXX ). Equifax did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ). They also shared or sold my personal information to XXXXXXXX XXXX XXXX without my written consent, which under the CFPB is identity theft and a violation of my privacy.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC (UT)

We took out a title loan on our bike we filed XXXX  XXXX bankruptcy. The bike was surrendered they never came and got. It ended up being totaled out when we were hit on it. With by a truck, we need the title so that we can follow through with the lawsuit of where we were hit and injured and the bike was tied up totaled. Talked to XXXX people just this evening. And no one can help me. And I had the guy from the store yell at me. I need that title within 10 days. Or it can't get part be part of treturn from the legality of the accident. And no one can help me 9 different people. With just say okay, hold on and transfer me and just kept doing that. No help whatsoever.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

The company is a debit card company, Chime. I receive direct deposit from my job via account with Chime. On XXXX XXXX made a transfer into the account of my landlord. The money was not received. XXXX XXXX I filed a transaction dispute for XXXX at Chime with proof of the transaction. I checked the dispute XXXX  days later to find it was denied. Calling to speak with a customer service representative for over XXXX minutes I was not given any explanation as to why my dispute was denied and sent links that were supposed to allow me to access and view the reason for the denial. The links proved to be useless and provided nothing near an explanation. Chime has repeatedly refuse to refund my money and will not attempt to recover the money.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I obtained a loan through Credit Acceptance Corporation for a vehicle, that included a Vehicle Service Contract and GAP insurance products I was told I HAD to accept in order to get the loan approval. During ownership, the Service Contract didn't cover items that were specifically listed as benefits of the product such as roadside assistance, and the GAP insurance product didn't cover the outstanding balance after the vehicle was a total loss with my insurance claim payment. While waiting for the insurance company to finalize the claim, Credit Acceptance Corporation called me with an offer to pay the loan in full and even required a deposit payment from me to " lock in the agreement ''. Upon receiving the insurance check from my claim, the amount previously agreed upon changed to the original amount, which was okay with me because of the GAP coverage I purchased when I got the vehicle. I never missed a payment, never had a lapse in insurance coverage, and yet after the insurance claim and GAP coverage, I am still being pursued for almost {$2000.00}. Furthermore, my credit history shows significant late payments, damaging my ability to purchase another vehicle. After several attempts to contact Credit Acceptance Corporation to be furnished with the documents I have requested and after pleading for them to correct my credit history, I don't know what else to do except seel assistance with this matter. What's more is the fact that I put a significant amount of money down at the time of purchase, however I borrowed substantially more than the vehicle originally cost because of an undisclosed " loan origination fee '' I never agreed to nor was I made aware in the breakdown of charges. I have been deceived the entire time, blatantly lied to, taken advantage of, forced to purchase products that are useless, and now I'm being damaged by incorrectly reported information from Credit Acceptance Corporation. Please advise
Consumer complaint received 2024-03-05
Product: Credit card — Store credit 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. (CA)

After my identity was stollen and and credit card was opened in my name a charge/purchase in the amount of {$620.00} was a made without my consent. This transaction was reported as a fraudulent transaction in 8 different times by me and was never credited my Macys credit card bank. I am making all necessary minimum payments at the moment to not effect my credit report.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Credit Card not monitored by your agency. I have a decrease of <70 on my Fico Score. 
Please review :. All other monitoring system have updated there systems to include XXXX XXXX XXXX credit Card which has vanished from your system. 
XXXX XXXX Member ID XXXX
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder is XXXX.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (VA)

Applied for credit with Honda Financial Services and other lenders and denied. Yet, I can take out $ XXXX worth of student loans and my credit score was never evaluated. Further, such student loans have been satisfied and yet I still can not purchase a car from a reputable dealership.

And, please do not start with this credit score XXXX  ( XXXX XXXX XXXX XXXX but this is just another construct or barrier to entry that makes simple, mundane tasks ( going to work, dropping kids off at school, going to the grocery store ) impossible for the financially disadvantaged.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX 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 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.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC (TN)

I was contacted by a man named XXXX XXXX he informed me of a debt with a credit card he gave me the first XXXX numbers of my social security number he proceeded to tell me that tomorrow XX/XX/2024 between XXXX XXXX I would be served and needed to provide the server with my id and I would need to appear in court, I am XXXX XXXX XXXX, I live off my XXXX XXXX XXXX  my income is limited he informed me that he needed me to pay {$300.00} this XXXX  and XXXX every XXXX  to XXXXXXXX XXXX XXXX I was given no time to submit or inform him that I only receive XXXX XXXX im not XXXX, I informed him that I had XXXX in XXXX XXXX XXXXXXXX to remove XXXX and I had no extra funds after my mortgage, he told me that I only had XXXX options and if I didnt set a payment arrangement or whole amount I would be forced to come to court. I was scared as Ive never had this happen and agreed immediately after I called my daughter in law and I was on XXXX way so we could make sure this wasnt a scam. I am unable to pay XXXX dollar a month with my social security which pays for my mortgage, my lights and my water, my food, and my living expenses. I felt intimidated by XXXX XXXX was shook my his demeanor.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (OR)

On XX/XX/2024 Credit Services International hit my credit report for owing a debt for {$500.00} for XXXX XXXX XXXX. When I called Credit Services International they told me it was for some Texas address. I do not live nor have family in Texas. So this is from Fraud. They didnt care and yelled at me. Please help me get this off my report.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Back in XXXX of XXXX the bank had a program that decreases your interest rate so you can pay down your balance on your credit card so I signed on not knowing later the bank will close your card without you knowing so when I found out XXXX XXXX of XXXX that they had closed the credit card In XXXX of XXXX due to a bank evaluation of account in which I dont know they did that after having the credit card for 3yrs and 11 months without a explanation. I was paying the amount that was so plus a little extra and now the credit card is close they still charging me late fees and interest on a close account and taken from my checking account in which I had ask them not too. How can they charge late fees and interest on a closed account that not a fair deal for a Consumer I need help do to that this banking institution is taking advantage of me. Its still showing on my online bank it a open account which is a not correct
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP (NY)

1 ) XXXX XXXX XXXX XXXX in XXXX XXXX approved me for a mortgage in midXXXX They appointed XXXX XXXX XXXX to handle the closing and payoff to Sterling National Bank 2 ) XXXX 's attorney XXXX XXXX XXXX contacted Sterling ''  s attorneys XXXX, XXXX, XXXX XXXX in XXXX XXXX  XXXX to set up a closing date. Sterling 's attorneys need to bring Stock Certiificate and Original Lease to closing. ( Sterling is currently holding those documents to secure its mortgage. ) 3 )  Despite numerous requests over the last month, Sterling 's attorneys have failed to respond to XXXX attorney 's request for documents and a closing date. 

4 ) I am worried that XXXX will revoke its offer if no closing date occurs soon, In addition. I have already paid them over {$1000.00} dollars to get their mortgage. In addition. I am still stick with Sterling 's much higher interest rate costing me an additional $ 400-500 per month in interest. Closings and payoffs are routine business in real estate, and I wish to go ahead.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am requesting that XXXX XXXX XXXX XXXX. remove XXXX x 30 day late dated XX/XX/2020 from XXXX, XXXX, Experian. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MARINER FINANCE, LLC (GA)

Mariner has unlawfully filed sue case under false pretenses. I have requested the original documents signed by the bank and myself or who is the original creditor and have never received the documents. Although they have filed a garnishment without true and lending proof that I owe this debt.