davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (NC)

On XX/XX/XXXX, American Credit Acceptance repossessed my XXXX XXXX XXXX. According to my records I am currently due for XX/XX/XXXX, and XX/XX/XXXX payment. I was given and approved for an ( 3 ) month extension in XXXX. I made the following payments : XX/XX/XXXX, XX/XX/XXXX, which was applied to the month of XXXX. I was going to pay the XXXX payment on XX/XX/XXXX. I called American Credit Acceptance to discuss my account and it was bought to my attention that the extension was never applied to my account. When I went into the borrower portal to check on my account, the transaction history is unavailable and the account is currently due for {$4400.00}. This information is not correct had the ( 3 ) month extension been applied to the account. I was told what was needed for a reinstatement which I do not have at this time. Also currently the interest rate is 20 % and I am still owe {$52000.00}, on this loan. American Credit acceptance never applied the extension and I have done everything to keep up with the payments. They never contacted me to let me know that the extension was never applied. The repossession occurred while taking my kids to their first day of school. The reinstatement department stated that someone from " upper management '' would be contacting me however, they did not explain why. Due to this misunderstanding we are without transportation, and we do not have a point of contact to get this matter resolved. American credit Acceptance has not been easy to work with and their total lack of communication has proven that they do not care or live up to the relief programs that they offer. I have attached all of the documentation that I received from American credit acceptance. According to my records we are due for XX/XX/XXXX, and XX/XX/XXXX, which would make us 29 days past due had the extension been applied to our account. We both signed electronically within the American Credit Acceptance system. We also paid the XXXX payment early as good faith towards the extension agreement. As you can see the payment was credited and then reversed, and then credited again on the same day.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MT)

I requested to have my PMI cancelled back in XXXX of XXXX. I received the PMI cancellation information from my mortgage company, paid the {$190.00} fee, signed the papers and sent back on XX/XX/XXXX. The check was the cashed on XX/XX/XXXX. 

I never heard from my mortgage company, or an appraiser about coming and appraising the home. I have called at least XXXX times since the check was cashed to get an update on when I should be hearing from an appraiser, and I kept being told someone would eventually contact me. 

I just called today ( XXXX ), and I am now being told they never received the appraisal sign off form and I would need to resign and send back for them to do an appraisal. In each of my calls following up before today, I was told everything is in order and they have received everything they would need from me. Now they are asking me to resend the form I already signed and it would take another XXXX  days. How is it fair that I pay my amount, send in the necessary documents, and continue to pay PMI. 

Please take action on this so other consumers are not being asked to pay for something that has not action.
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc ()

On Sunday XX/XX/year>, I registered a new user account on the Bright Money App to apply for their short term cash advance. During the sign up process, the Bright app offers optional paid memberships for access to additional financial services, which I bypassed to reach their cash advance application. After I submitted my application for the cash advance, I was promptly denied. Shortly thereafter I was reading through the apps XXXX reviews section, and I was alarmed to see significant amount of negative reviews with warnings about the app unexpectedly charging cash advance applicants a {$97.00} membership fee. In order to prevent that from happening to me, on XX/XX/year> I replied to an email sent to me from Bright Money ( XXXX ). In my reply I formally requested immediate cancellation of any membership I may have unwittingly signed up for in the process of applying for their cash advance. My reply was sent at XXXX. On XX/XX/year> more than 24 hours after I submitted my cancellation request, Bright charged my bank account for {$97.00}. The reason I had applied for Brights  cash advance was to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  close family member. After Bright denied my cash advance application, I had to borrow the funds from someone else. As I tried to pay for the XXXX  at the pharmacy, my card was declined for insufficient funds because Bright charged my account. Now my family member will is at extremely high risk XXXX XXXX XXXX XXXX XXXX without their XXXX.
Consumer complaint received 2022-08-29
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account name XXXX XXXX and number XXXX Account Type : Revolving account. The XXXX bureaus currently have balances on this account as Transunion {$50.00}, XXXX {$36.00} and XXXX {$14.00} but the balance to this account which is my credit card is {$00.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-08-29
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX  XXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your XXXX  investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I consolidated my federal student loans in XXXX. At that time, I was offered a .25 % loan rate reduction for making payments by automatic withdrawal from checking or savings. That term of my loan agreement was never honored by XXXX. As a result, I have been overcharged thousands of dollars of interest over the last XXXX years. I will also continue to pay thousands more in interest than I was promised during the remainder of my loan term. My current XXXX is 3.0 % and should be XXXX. My loans have been bought and sold multiple times and I have never been able to get any of the loan holders/servicers to listen to me about this issue. My current loan holder/servicer is AES-American Education Services XXXX
Consumer complaint received 2024-10-31
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. (TX)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2022-08-29
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: Southwest Credit Systems, L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR INFORMATION TO 3rd Party Debt XXXX : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a request for information for Company Name and Account #. Please provide the following information : 1. All billing statements from the date of account opening 2. A signed contract with my name on with your company.

3. Date of First Delinquency, and Date of Last Payment 4. Proof showing me that you incurred a loss from me.

I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 
Please forward all correspondence regarding this matter to the address stated above. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received 1099a or 1099c forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX. NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to Experian 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

I am writing to dispute the way that a SANTANDER CONSUMER USA account is being listed on my credit report. They are showing a charge off on my XXXX credit report that should not be there. Santander was ordered to remove the listing from my credit report as part of the Attorney General XXXX of XXXX Over {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Deceptive Auto Loan Practices. 

I have tried and waited patiently in the dispute process. I have made numerous calls to Santander, where customer service has mentioned to me that they have nothing on file which would cause this to be on my credit report. The credit bureaus continue to report the charge off and show a on record report till XXXX. At this point there should be no mention of this on my credit report at all. Santander continues to harm me financially by not removing this clear violation of a court order off my credit report.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (NY)

I called the collection companies and told them that I had not received any written debt notice. They said to contact the medical office. Then I contacted the medical office and they said to contact debt collection companies. They are not cooperative at all. Nobody knows what to say. The medical office says to contact the debt collection office and the debt collection company says to contact the medical office.
Consumer complaint received 2024-11-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Overcharged on Appraisal In XX/XX/year>, Wells Fargo charged me {$960.00} for a home appraisal that cost {$500.00}. Wells Fargo did not close with me and sold the home two months later to charge the newer customer an appraisal fee.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent Experian atleast 4 letters about deleting extra addresses on my credit report that does not belong. I have sent proper ID ( DL, SSN Card, Bank Statement ) and they still refuse to remove those other addresses because they claim they are connected to Collection/ChargeOffs on my report. 

How did you verify these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX I would like to know who you talk to