davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance sent a letter this month stating that they are going to take me off of their Covid 19 Protection Program starting XX/XX/XXXX and that any late payments, fees will be added to my credit report and that we could face repossession. Credit Acceptance took me off their Covid Protection Program back on XXXX of XXXX. They reported a total of 25 late payments and made calls and sent letters threatening to reprocess me and my husband 's vehicle. For 2 years we have struggled to make the monthly payments during Covid and have expressed this to Credit Acceptance without anything being done about it. It was only when I made a complaint to the CFPB back in XXXX of this year XXXX that something was done and they entered me into their Covid Protection Program for a couple months but now they are stating that fees, back pay and other monies are do. That they will be changing the way they report to the Credit Agencies to reflect back pay and could reprocess the vehicle. As a consumer I should be treated fairly. Credit Acceptance should give me the same amount of time in Covid 19 Protection as was given to other consumers, especially since I was initially enrolled in the Covid 19 Protection Program but was taken out by Credit Acceptance. The burden of not being protected from repossession for 2 years has put us behind on everything else including losing shelter. Credit Acceptance needs to grant us Credit Protection for 2 years since we should've been in the Covid 19 Protection Program starting XXXX XXXX. During Covid me and my husband are victims of predatory lending. This is unfair, deceptive and abusive practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section 18 ( a ) ( 1 ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).
Consumer complaint received 2022-10-28
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
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Consumer complaint received 2021-09-10
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. (CA)

Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (RI)

My RV loan was transferred from one company to another. I realized I was behind in payments because I was unable to pay my loan on the old companies website and reach them by phone. The new company claimed they sent information that I never received.By the time I received the new companies information I was behind several months and on the phone with the new company I set up payment up to date of past due balances. The new company BMO, gave me confirmation of payment via email and stated they would send me information on auto pay by mail as they dont provide set up over the phone. No information was received by mail, email, or phone. Two months past when I realized that no information was being received by mail or email when I called BMO they said my loan had been written off and is now in recovery. They said the previous payment never went through. I told them I was never informed of that by email phone or mail. I asked if I could make all past due on payments that my account would go back to normal they said yes I proceeded to pay them only to find out that my account is to remain in a wrote off/ collections state which negatively effects my credit for 7 years. Ive asked to speak with management several times and customer service refuses to transfer me or let me speak with management. If my account was to be charged off and if a payment didnt go through I would expect and email phone call or letter notification giving me the opportunity to make payment before such a serious impact on me and my family.
Consumer complaint received 2022-10-15
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. (TX)

I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I have attached letters below with the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed
Consumer complaint received 2022-10-28
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. (MO)

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

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 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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 2022-10-15
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. (NV)

Complaint filed with XXXX XXXX, XXXX and Experian regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.
Consumer complaint received 2023-12-20
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. (MD)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : 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 2022-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Filing complaint because Rushmore refuses to answer questions, I asked with clarity in way that is understandable. 
Questions Mortgage Insurance and mortgage issue In response to letter received XX/XX/2022 from Rushmore also there are errors and mistakes on Rushmore representative respond. Questions mainly not explained and answered concerning insurance issue, for example the statement : 1. Loan to value ratio of the loan is above 80 %. I have asked for the statement to be answered and explain several times.

Again, explain why there is a negative balance concerning escrow and why Rushmore is trying to take control of the insurance?

Above all, Rushmore is not our mortgage company. We are quite concern, is it true Rushmore is not the new owner of the mortgage? If not, remove Rushmores name from the Insurance policy. 
Next, no reason why Rushmore should have sent payment for our Insurance Policy to Travels XX/XX/2022 insurance was not due until, XX/XX/2022. We already had made arrangement and informed Travels with plan to pay the insurance, never gave anyone permission to pay the insurance, none our payments should go toward XXXX. Travels or any insurance Company Rushmores Insurance companies need be informed we are paying the policy. A deduction of {$100.00} is taking from the loan note each month for insurance fees. 

On XXXX XXXX. Your agent wrote and noted the loan to value is calculated by dividing the original loan balance by the value of the property value = 91 %. ( Please explain this statement ). 

Mistakenly on Rushmore employee or employees be halves I never state the Loan was paid I quoted FHA Loan was paid off, not XXXX XXXX XXXX XXXX, Rushmore, or XXXX XXXX. We havent been convinced who own the loan Debt Collector, or two mortgage companies. However, we are in the process of revealing true owner of the loan.

Rushmore Debt Collector and server, therefore what interest do a Debt collector have in our insurance?

FDCPA have laws Debt Collector must follow. I am sure laws also apply to servers. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/XXXX. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement??????? 

Correct whatever they did and pay a fine for trying to defraud a consumer! Pay a penalty for over charging interest on the high account balance that they did creative accounting on to continue to get away with. If they paid other things with my principal balance instead of just deducting the entire $ XXXX straight from the balance at the time of payment like they should have done, they should have to accept the losses for what they tried to do!!! I should not be penalized for their fraud attempt! They used my money and double dipped. They charged me interest on an incorrect balance and then used my money to pay them interest. Not sure what type of correction they attempted to make on XX/XX/XXXX, but as you can see they tried to backtrack and the balance is still incorrect, because they did it wrong in the first place and refuse to pay for all the attempts in fraud and continue to incorrectly correct my principal payment. The payment would be different and could be used for what they did if it was not a principal payment, but if it was a principal payment, so they committed fraud! Please look at the statement and you will see they only credited {$31000.00} in XX/XX/XXXX instead of the entire $ XXXX like they should have! They did attempt to fix it, but not the way it should have originally been credited ( on the entire balance )! 

Since XXXX payments totaling over of $ XXXX and my balance is still over $ XXXX when it started at $ XXXX something is VERY wrong!
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (HI)

I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!!
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

This is an invalid dispute, I was never contacted by mail regarding this dispute, and the dispute is classified as Attorney dispute NOT medical dispute. They have broken the law by not providing any information related to this dispute, other then a phone call 90 days after in which I told them this was in dispute, NOT valid, and provided evidence to the collections agency that this was an invalid bill. 

I disputed the amount in entirety with the medical office, filed complains with State and Federal medical boards and this false claim was still sent to collections/ XXXX XXXX XXXX  XXXX {$130.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$130.00} Original Creditor XXXX XXXX XXXX Past Due {$130.00} XXXX Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Silverman Theologou, LLP (MD)

On XX/XX/XXXX, the collection agency took funds from my debit card without authorization. Furthermore, I received a call from XXXX XXXX, a rep from the agency, sometime during the summer of 2022. He advised that I owed approximately {$6000.00} in debt. However, I informed him I did not believe I owed that amount and asked for proof of said debt. Other than my payment history, I have not received any other document proving that I owe the debt.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX had XX/XX/XXXX {$65.00} fraud on debit card from malware XX/XX/XXXX Card Purchase XXXX XXXX XXXX IL Card XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX both immediately permanently or be sued chase yes or no customer service is the pits
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received a call at my place of work, when I returned the call it was a company by the name on XXXXXXXX XXXX  attempting to collect a debt from Check N Go. I was also contacted On XX/XX/XXXX by XXXX with XXXX XXXX XXXX, which was a pre trial mediator regarding a debt with Cash N Go pay day loans which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and yell at me and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone. These companies continue calling and use different name and it is very deceptive. Ive contacted Check N Go and they have no record of a loan with my information.
Consumer complaint received 2022-11-01
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: TD BANK US HOLDING COMPANY (GA)

This dispute falls under several categories. I had fraud on an active target account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file XXXX XXXX etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (TX)

The check # XXXX was negotiated by somebody else sometime around the end of XX/XX/2022 ; not by any of us. 

I was given a runaround within the last XXXXXXXX XXXX trying to figure out where my money is. 

I already called, emailed to XXXX representatives, asking where my money is, to cancel the check, reissue the check, but it turned out none of the requests was successful without a valid reason. 

My multiple requests to stop and reissue the check, as well as to investigate what was going on with my check, was not handled appropriately by UWM. If my case were handled correctly at the beginning by UWM, the check would have been stopped successfully, and re-issued to me without an issue. 

Previous CPFB case was XXXX, and I was advised to contact XXXX to get the issue resolved. Why do we need to get hold of XXXX when the check was from UWM - the issuer, to me? 

As of XXXX XX/XX/2022, I am still at a loss of {$730.00} I am demanding the money of XXXX to be sent to me as soon as possible. 

Thank you
Consumer complaint received 2022-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: College Ave Student Loan Servicing, LLC (FL)

On XXXX XXXX I got 10 missed call within and hour from college avenue student loans about a missing payment its not the first time last time that within an hour this situation happen its always the same about a missing payment for 2 days. 10 missed calls within an hour is not okay