davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (VA)

On , or about XX/XX/XXXX Global Lending Services (GLS) did repossess my vehicle (XXXX XXXX XXXX). When I made contact with the "Reinstatement Department" on the same day, I spoke to several agents ( XXXX, XXXX); first both agents refused to properly identify themselves when ask of their employee ID#s; secondly both agents made false statements concerning the status of the account.1. That a "Right to Cure" letter was sent out on or about XX/XX/XXXX, and then in XX/XX/XXXX. The account was put into a "Deferred Payment" status (90 days;) late XX/XX/XXXX, which meant no payments would come due until XX/XX/XXXX. This reason for the deferred status was that I was impacted by the Federal Government shutdown.Extension dates: XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX - 4 other payments were made, with the origination of the loan being XX/XX/XXXX - Payment was deferred 45 days from that date as 1st due XX/XX/XXXX  - The account was only 59 days past due but the show it as 122 days, which does not align with the deferments and payments... Again the lender did not send via mail, email, or text messaging any information pertaining to the account status. 2. During the same conversations with both representatives, I inquired about the past due about to bring the account current, both refused to give the balance on two separate calls, and both refused to cooperate with how I could bring the account current - they both hung up the phone, but before that told me that there is nothing they would do to help with my concerns in recovering my vehicle. 3. When asked, both representatives refused to give information on where the vehicle was located, that I had personal belongings, money, etc. in the vehicle and I also informed them that I was on travel in another city stating at a hotel where the vehicle was picked up; their response on two separate calls was that, " you are considered a skip, and we will not release your vehicle" They also stated that, " since you are in another city traveling we consider you a skip". I explained to them that I was not a skip, that I was on travel for business for my employer (XXXX); they both refused to reconsider in reinstating the loan and turning over the vehicle, both then hanging up the phone. Global Lending Service did not send a letter, no call. I have been in contact with this lender throughout the life of the loan. A substantial amount was put down on this vehicle and payments were refused by the lender when I tried to process online and during my call to the lender on multiple occasions.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MI)

I am trying to obtain the agreement used by GE Money Bank and Paypal back in the year XX/XX/2006. Unable to obtain agreement.1.  Is there a way to obtain this agreement in XX/XX/2006? 2.  What federal statutes apply to them having to keep a copy of the original agreement ?
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

This is my second complaint as the company's response did not resolve the issue.The company's response on the first complaint refers to a future date (XX/XX/2019) which makes no sense.   I overpaid in fees for a payday loan I took with Cash Central when I resided in California.  Cash Central charged more than the 15% per $XXXX   borrowed limit.  No matter my state of residence (California, which it was at the time of the loans...South Carolina which it is now), the limit on a payday loan in both states is $XXXX  per $XXXX  borrowed.  Cash Central will attempt to state these were not payday loans, but they completely were.  These loans were completely without a doubt payday loans as the due dates were on my paydays.  This makes them payday loans by default.  Were the payments due on paydays? Yes.  These are payday loans.  Period.   Per the regulations in both California (where I resided at the time) and South Carolina (where I reside now), the most I should have paid is $XXXX  in fees (15% of the $XXXX borrowed/15 x XXXX).  I paid $XXXX!!! I paid $XXXX per $XXXX   borrowed...four times the $XXXX per $XXXX limit on a payday loan!This is predatory lending.  I overpaid $XXXX.  I am due a refund. I will even compromise and accept a payment of $XXXX.  Cash Central will then have received $XXXX in fees.  This is a rate of 29% which is more than just.  It is nearly twice what I should have paid.  It gives Cash Central $XXXX   per $XXXX  borrowed.  29% in fees is much more just and humane than 72%! Please do the just and fair thing and settle this. Cash Central profited severely through my stupidity.  I overpaid on these payday loans and am simply seeking what is just.
Consumer complaint received 2023-09-19
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. (NY)

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.

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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n
( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the co

urt may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Please remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (AR)

LVNV simply refuses to report my payments to have been made... I have paid in full through my payroll.  (attachment showing with check numbers, and we have checked, all show cashed).   Not only are they not reporting my payments but they have removed the collection of $XXXX (the original amounting showing owed) then added it back on as a new collection of $XXXX hitting me for 49 pts.  Then removed it, not showed paid, just removed so I dont get any of the pts given back... then re-added the $XXXX as a new collection hitting me again for a large hit to pts.  Then added a brand new collection for the exact same account but for $XXXX  hitting me yet again for another massive pts hit.   On one report I am actually showing LVNV collection on this same debt for all 3 amounts separately after they have removed it once and re-added it, then added 2 more in different amounts.    I have tried and tried to not only get them to provide validation of debt which they have not done, but doesn't matter now anyway, that case was closed because they replied back, regardless the information provided to be fact or not.   BUT, in the case of them refusing to show my balance paid off... it isnt being done.   NOT REMOVED because its been paid, but actually showing paid.   I deserve to get my pts back for the payments and not keep getting retaliated against by their shady ways and getting hit for over 100 pts now in the removal and adding of the same account and then not get anything rewarded back for making payments... which was under false pretenses in itself.   They hired a 3rd party to send where they filed the writ of garnishment so we thought it was being issued legally and that is what we this from... come to find out the actual order of garnishment was never signed and never issued and we were not to have made any of these payments... of course now its too late, we have made them all in the total of $XXXX without any order of garnishment ever being signed.  They have now filed for ANOTHER garnishment in the amount of $XXXX  on the exact same account and NOT reporting that I have paid off this one.    Thank goodness I we called XXXX County to find out if we had to pay any more than the writ of garnishment as they were telling us we had to and found out they had filed another writ for another amount AND that the one we had paid was never signed or ordered.   This is NOT an honest company at all!!
Consumer complaint received 2019-08-20
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: WELLS FARGO & COMPANY (MD)

There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My wife and I, with the help of a local law firm, submitted an application in XX/XX/2019 to Ocwen Mortgage Company, for a short sale of our home. We included all required documentation including a fully ratified contract from a prospective buyer of the home. Ocwen wasted time and did not process our application in a timely manner. Then we received a letter in XX/XX/2019 that Ocwen had joined forces with PHH Mortgage services and PHH had become the new servicer for this account. The prospective buyer dropped out after waiting 3 months for an approval which never came. We updated and resubmitted all documentation to PHH, which we did in a timely manner in XX/XX/2019, along with a ratified contract with a new prospective buyer. On XX/XX/19 we received a letter from Ocwen / PHH saying "Thanks for submitting the request for mortgage assistance. We have reviewed the application and documents submitted. The application is currently COMPLETE as of XX/XX/19 and we do not require any additional documents at this time to evaluate the request for help..."Since late XX/XX/2019, both I and my representative from a local law firm have repeatedly called, have been put on lengthy holds, and have been transferred from person to person, only to find that NOONE HAS REVIEWED OUR APPLICATION AND SUPPORTING DOCUMENTATION.  We are very concerned that this prospective buyer will drop out like the last one did due to lack of progress, and that this home will go into foreclosure. All of this could be avoided if PHH's Short Sale Dept. would only review and approve our thorough short sale application and supporting documentation. Thank you in advance for your assistance with this matter.
Consumer complaint received 2019-08-20
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP (TX)

After many calls, emails, and text messages, my lending company, Southwest Funding, in XXXX, Texas, is no longer returning my calls to update when we will close. The lending company forgot to order the appraisal until just before anything was sent to underwriting. We have had to get 2 different appraisals because the lending company said the first one was not good enough. We have failed to get a response about our earnest money, if the seller decides to back out. This has been going on for two months, and the seller has chosen to walk away from the deal if we dont close in the next 72 hours. We were told that our file was perfect and ready to be approved once the final appraisal was submitted. It has been 8 days since then and we have heard nothing. Our lender has urged us to spend money out of our comfort zone with little explanation as to what it is for.
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXXXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious XXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC is very difficult, if not impossible, to do business with. It takes a minimum of 1 hour to even begin getting an issue resolved first of all. I have spent a minimum of 6 plus hours just waiting to talk to someone. Bounced from one agent to another, and even one agent admitted I am not the only consumer with similar issues I have been having with  them ever since I began doing business with them. They also froze my account because they decided they wanted my ID and proof of address after using the card. I provided that, and then it still wasn't enough. I am not able to get information on my account, get statements, and was told I could pay it off without signs of any statements or proof of transactions, but why should I take their word for it when I can not see for myself? I can not even look into transactions or get a statement because they refuse to release the hold off my account, and told me " I should obey '' and do what is asked, after I already sent them supporting documents proving who I am! Never had I had this kind of trouble, and I am afraid they will ruin the good credit scores I have worked so hard for because of their nonsense!
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

My credit card is with Citibank ( Costco Card ) and my online bill pay service is through XXXX XXXX. For the past two XXXX payments ( XXXX and XXXX ), due on XX/XX/XXXX of each year, my payment has been posted late and I have been hit with a late fee ( {$25.00} in XXXX & XXXX and interest charges ( {$2.00} in XXXX and {$11.00} in XXXX ). This bill is paid every month via Auto-pay through XXXX XXXX and it is set up to pay " by the due date '' and every other month for the last 2 years it has posted on time for all month 's except for the XXXX payments ( due in XXXXr ). Something weird is happening between these two financial institutions in the month of XXXX when this payment should be posting by the due date! 

Citibank was good and credited back the XXXX charges but refused to go back and review the XXXX charges. XXXX XXXX was not very helpful and just told me to set the payment day sooner. They also said they will research why this is only happening for XXXX 's payment, but that was three weeks ago and I have not heard back from XXXX XXXX. 

I can't figure out who is really at fault here : XXXX XXXX when they send the XXXX payment or Citibank for not posting the XXXX payment faster ( you will notice in the screenshots that XXXX XXXX is sending the payment the day before the due date each month ). 

Please help me get resolution!
Consumer complaint received 2020-07-27
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: CORELOGIC INC (FL)

On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.