davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP. (NY)

Consumer law rights I XXXX XXXX and XXXX XXXX will like to exercise our rights. 

New City Funding is claiming to have being there during the sale but that is a lie because we were on the phone with them at the time of the sale and XXXX was required to be put down. Which is unfortunate because they were suppose to exercise the truth and lending law 15 USC 1622b.

Now 15 USC 1692 F states it was illegal for them to repo our car - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

New City Funding disclose our information to a nonaliated third party.The company thatrepode our car there was no contract in place. Nor were we given a non-disclosure form.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a nancial institution may not, directly or through any aliate, disclose to a nonaliated third party any nonpublic personal information, unless such nancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A nancial institution may not disclose nonpublic personal information to a nonaliated third party unless ( A ) such nancial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Another law I would like to add is 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

Now it's a 1,000 per violation.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

LexisNexis Risk Solutions reported an inaccurate driving record to my insurance company ( XXXX XXXX XXXX ) which resulted in a higher premium. Their customer service phone number will only allow me to order my 'report. ' LexisNexis Risk Solutions reported that an automobile accident I was involved in on XXXX was ruled as me being 'at fault ' when in fact, the other driver was ruled 'at fault ' and ticketed for 'failure to yield right of way. '
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (AL)

I have been laid off due to the COVID 19 epidemic. I have contacted Advance Financial 247 multiple times to make payment arrangements. The only response I get is pushing back the payment. Meanwhile the extremely high interest accrues and has become unmanageable. I have paid XXXX in total according to their own records. My online bank records only go back to XXXX. I am struggling financially and I am still filing for unemployment, although that has yet to be resolved. 

I have contacted payday loan assistance companies and I have been told that this particular company will not negotiate with anyone. That is why I am filing this. Advance 247 will not negotiate and no one else has an answer. 

I am honestly trying to pay what I owe, but I am struggling greatly. 

Any assistance would be appreciated. 

Sincerely XXXX XXXX XXXX XXXX ( cell )
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (CA)

( I selected the most appropriate issue in the previous section, but there was really no accurate option on the list for the following issue : ) My husband and I leased a new car in XX/XX/XXXX. When we came to the end of the 3-year lease in Fall XXXX, we decided to purchase the vehicle through a loan. The paperwork was sent to us to fill out from home and have notarized, which we did. 

When I went to make the car registration payments a couple months later, I was unable to do so - there was an issue with the title. I called Chase Bank and was told that they had the title delivered to our home ( which we had never received ) and that we were supposed to bring it to the DMV. After explaining that we had never received a title, I asked them to generate a duplicate title and was told it would be sent out in 6-8 weeks.

The duplicate title never arrived. For the last TWO YEARS, we have found ourselves in a cycle of attempting to request a duplicate title every few months - and each time, the title department treats it as if it were a new request, never acknowledging that we've repeatedly made the request before. When trying to solve this issue directly with the DMV, they informed us that Chase had sent a {$1200.00} check attached to our name, that is simply sitting there - unprocessed - because no one has any idea what it is for. 

I have been pulled over 3 times and have had to explain the situation to police in hopes that they would not impound my car ( as I can not afford to pay to get it out of impound ; so far, I have been lucky ). I can not guarantee that my insurance company will cover any damage or injury should I end up in an accident, as I can not register my car as required by insurance. I have attempted to get a new title generated for the car by getting an auto loan through a new bank ... but have been told that I will only be approved for a new auto loan when the registration is up to date on the vehicle. I can not receive legal support, because there are no lawyers who see the value in taking this as an individual case. 

Essentially, I am being held hostage in a vehicle that I must pay for, but can't legally drive and that brings me more liability than it's worth. 

I know for a fact that there are multiple consumers with this SAME EXACT PROBLEM with Chase 's Title Department. 

The majority of correspondence around this issue has been over the phone.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

I received a request for payment from Resurgent Capital Services for an unpaid credit card issued by XXXX in the fall of 2019. I have written the credit bureaus to dispute the amount of XXXX I have written and called the collection agency over 20 times in the last 8 months. I have provided proof of payment in the amount of {$99.00} that was cashed AFTER the account was closed and never subtracted from the balance. I have provided proof that the money order was cashed in XXXX 2019. I can not find the receipt XXXX money order ) for the XXXX so I paid it last month. My balance is now XXXX but they continue to not research, read the proof and correct this error of {$99.00} that was cashed in XXXX 2019. 
The last XXXX statement shows charged off on XXXX XX/XX/2019. But XXXX XXXX receipt is dated as cashed on / around XXXX XXXX, 2019 which was not returned to me or applied to the closed account. 
I have repeatedly asked the company for a correction. I refuse to pay what has already been paid. Is this fraud, greed or incompetence? I don't know but it is ridiculous and a lot of time has been spent on an obvious proven error. They have everything needed to fix this error.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (IA)

On XX/XX/2020, I submitted a dispute about incorrect information contained in my Experian consumer report. The letter contained 3 disputes. The first two disputes were investigated by Experian. Experian apparently ignored my third dispute in the letter with respect to incorrect information from XXXX XXXX XXXX, Account Number XXXX. I submitted relevant documentation with my dispute including court records which contain proof of payment. It has been over 6 weeks and I have not received the results of my dispute with XXXX XXXX XXXX.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX  they REMOVED this account and I sent them the same Documentation What makes TransUnion so special I would really like to know? I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my TransUnion report as with Past Due balance which is a clear violation
Consumer complaint received 2022-11-30
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. (AR)

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Arkansas XXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

I applied for a XXXX mortgage and was informed by the underwriter that a conflicted error ( statement posted ) had occur in the credit reporting. I disputed the mentioned account, and the dispute was resolved, and payment was made to put the account at a XXXX balance of {$500.00} in XXXX. The entry for the tradeline shows that I have a dispute with the PAID ACCOUNT. 
I have contacted the creditor and the credit bureau to get the statement removed from the report by letter on XX/XX/XXXX. I also attempted to call during the same time period but to no avail. This statement is causing grave concern in getting the approval for the mortgage. I did not DISPUTE this account after making the payment, and am asking the statement to be removed.
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (MI)

I opened a new Virtual Wallet with Performance Select Checking account on XX/XX/2019 and met the requirement within the first 60 days. However, it's over 90 days after all conditions have been met, but I still haven't received the {$500.00} promotion bonus as advertised yet.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (FL)

I was ready to close on a mortgage for a property we were purchasing. The date of the closing was XX/XX/2020. I was ready to close, had my down payment ready, etc. then just less than a week before closing we were told a hole new story. The property was zoned residential, but the building could not be lived in because it didnt meet egress codes. I see no reason why we couldnt have closed on the property, got their mortgage ; and then deal with the other issues after the holidays and the winter weather, etc. 
In the meantime we have spent several thousand dollars are inspections, architects, more applications, etc. then this week they said the would not finance us at all because they dont deal in such high risk projects. 
They, started this whole process, only to back out now! This isnt fair to us after jumping through all their hoops for 6 months, nor is it fair to our sellers. By the way, they should not have had to wait so long. Theres no reason we couldnt have closed XX/XX/XXXX, and waited till nicer weather to deal with the construction issues! 
Sincerely, thank-you for your help with our issues.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

In order to verify this is my debt. I have sent a certified letters XXXX to XXXX XXXX XXXX, XXXX XXXX : Disputes XXXX XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IL)

I purchased furniture through the XXXX website using their credit card. The original purchase date was XX/XX/19. It was a 6 month deferred interest plan. Unfortunetly, this month my interest kicked in for the first time. I didn't catch it in time, and I was charged by XXXX for interest in the amount of- {$74.00} I called XXXX to ask them to forgive me the interest this time and allow me to pay off the rest of my balance without paying interest. They refused and had no compassion for me and the current situation happening worldwide. I believe that this is taking advantage of people in this time.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

I am taking part in the forebearance program for mortgage. Navy Federal Credit Union informed that this will not be reported to the credit bureaus. My reports now reflect that my mortgage is in Deferred status. I contacted NFCU and was told they had not reported this to bureaus. I contacted bureaus again requesting who is reporting this and told it is reported from my financial institution. NFCU was contacted again and informed me that there was nothing they could do. Dates reported are XX/XX/XXXX, XX/XX/XXXXand XX/XX/2020 for mortgage.
Consumer complaint received 2020-06-23
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. (GA)

I am writing this due to non-compliance with the CRA ( Experian ). I  strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Fraudulent pull of my credit report : Equifax inquires XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/22
Consumer complaint received 2023-07-12
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)

Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all 3 credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute one item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (PA)

National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. 

Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. 

Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. 

Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again their message included " Reply STOP to end. '' I replied STOP today in response. 

I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. 

I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.
Consumer complaint received 2021-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX  XXXX XXXX ; Acct : XXXX