davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my federally protected rights. 

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an 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.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2016-11-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I opened a 72 month loan of {$19000.00} through Capital One Auto Finance. I was quoted an interest rate through their auto navigator of 12.17 % to 19.31 % APR. At the end the sale, the dealership informed me that my interest rate was going to be 19.31 %, which was very high compared to previous car loans ( 12 % on the last loan I had through CapitalOne and 8 % on the previous on I opened in XXXX from a credit union ). Going from an 8 % interest rate to 19.31 % is a pretty big jump. Not only has this high interest rate, which I feel could be classified as a predatory lending practice, made it much harder for me to keep on track on payments, it has made refinancing impossible. As I ca n't refinance I ca n't lower my payments to get out of the high interest rate. Earlier last month I had attempted to refinance the loan with Northwest XXXX and XXXX. Both denied my loan primarily because the value of the auto exceeded the current amount due on the loan. XXXX specifically told me on the phone that the car was valued in the mid {$9000.00}. This is pretty upsetting because the car lost most of its value in the 1.5 years I have had the car - a car I bought new. Additionally, I feel that the dealer ( XXXX ) and Capital One Auto Finance decided to charge a high APR for the sole purpose of profit. As of today, compared to what I have paid in the principal, I have paid twice as much in interest ( {$4900.00} ). I have paid {$2400.00} so far towards the principal. This has put me in a very difficult situation, where I am attempting to repair my credit score after a divorce. Rolling the loan into a new car loan would only worsen this cycle. Overall, this issue has made it hard to manager the auto loan, which has resulted in a XXXX late fees in the last year.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I am a homeowner in Massachusetts who has tried for over 2.5 year to work with my lender on both a modification and a short sale. There are serious issues with SLS on both accounts. There is NOW an AUCTION on my property on XXXX XXXX, this year. 

I was not given proper notice, the certified mail informing me of the sale did not arrive until after I spoke with my point of contact, who had informed me that there was still time to pursue a modification. 
The resolution process switched from a short sale to a modification. 
As of XXXX/XXXX/XXXX I was informed that there was no sale date scheduled. 
Although all documents are received by SLS and underwriting has started I am told that the date of sale leaves no time to evaluate my situation. 
SLS has been unable to contact me directly as the phone numbers on file were incorrect SLS has not had an up to date appraisal and is seriously overvaluing the property. 
- SLS has turned down XXXX qualified offers for a short sale I was never approved for the modification, so in XXXX of XXXX we decided to sell our family home. From XXXX of XXXX until XXXX of XXXX, we had submitted XXXX offers on our property from different buyers. In each case SLS REJECTED the offer saying it was too low. The highest offer was {$110000.00}. Our house is our family home, but needs work. The first counter we got from SLS was {$180000.00}. The next counter was {$150000.00}, and now in XXXX of XXXX I 'm being told the lowest they will accept is {$130000.00}. They are saying this last amount without having stepped foot inside this home since last XXXX. 
Where is the regulation on valuations? Why is it we can show proof our house can not fetch the value they want and they are allowed to force a homeowner to foreclosure? At what point over a period of almost two years does the lender realize the home value is not worth their required price? Why are n't we as homeowners allowed copies of their valuations? We are required to get an appraisal to get a loan, so why are n't we privy to valuations when they foreclose on our homes? If their valuation is being used in the determination to foreclose then I feel a citizen I have a right to that information and ANY information being used to make a determination to foreclose upon me. 
I have tried unsuccessfully for over two years to work with SLS, and before them XXXX XXXX XXXX. My loan was sold from HUD to some XXXX party investor, who has made it very difficult to sell. If my loan was still backed by HUD I would at least be given a copy of the appraisal, and they have clear guidelines as to what they will and wo n't accept for short sales. Since my loan has been sold, I have had no assistance with SLS. I will be forced into foreclosure, and I was never offered a Deed in Lieu, which is no better than the foreclosure, because there is no regulation on lenders over proper valuations. 


Respectfully XXXX XXXX
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I tried to get my 3 free credit report, but as usual only one works..XXXX!!! 

The other 2 XXXX and Transunion are always a HUGE problem..!!! It's these XXXX XXXX and Communication Services..DISGUSTING ...!!! 

They're websites are Dysfunctional & so is the Verbal Communications..!!! 

Why does US.Gov Allow Foreign Agencies Control 2 of our Credit Reporting Files..??? 

America Is Sick of " Invasion of Personal Information " ..!!!
Consumer complaint received 2017-03-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is reporting the same account XXXX on my credit report twice account number XXXX. This is a fraudulent account in which I am asking XXXX to please immediately remove. This account belongs to XXXX XXXX not XXXX XXXX. I have attached an incident report, report number XXXX. This fraudulent account has been on my credit report since 2007, which not only makes this a fraudulent account but also an old account. Again, XXXX is fraudently reporting this XXXX account twice. This account does not belong to me, please delete immediately.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (WA)

My mortgage is currently held by Freedom Mortgage. My wife and I are refinancing our home with XXXX XXXX XXXX XXXX ( XXXX ). Included in the payoff statement from XXXX Mortgage is an 'Accrued Interest ' of {$1100.00}, a 'Bill Fee ' of {$30.00}, and a 'Recording Fee ' of {$86.00}. I asked XXXX why these fees are on my payoff statement as I believe I should only have to pay off the principal of my loan. XXXX is already charging me a {$93.00} Recording Fee. My mortgage was originally financed my Directors Mortgage and my mortgage includes a statement I will pay no repayment fees for paying off the mortgage early. XXXX told me I would have to contact Freedom Mortgage myself for an explanation. 

I was able to deduce the 'Accrued Interest ' is the interest Freedom Mortgage is due up until my refinancing with XXXX takes effect. But I contacted Freedom Mortgage to explain the 'Bill Fee ' and 'Recording Fee '. I spoke with a woman named XXXX, employee number XXXX. It was a heated conversation. XXXX told me everyone pays these fees. I asked XXXX if I need the payoff statement to payoff my loan early with Freedom Mortgage, she said yes. I then asked her if there is anyway to get the statement without paying the {$30.00} fee. She refused to answer. I told her if there is no way to pay off the loan without paying these fees then they are pay off fees and thus not allowed. She refused to agree. I asked her what government agency I could file a complaint with. XXXX told me I could file a complaint with the XXXX. When I pointed out the XXXX is a private organization she said she did n't have to tell me what government agency I could file a complaint with. 

I believe Freedom Mortgage is charging me a payoff penalty and trying to mask it by calling it a 'Bill Fee ' and 'Recording Fee '.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX To Whom it may concern, Please be advised this is my XXXX  WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts : XXXX XXXX # XXXX, XXXX XXXX, # XXXX, In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (OH)

I received a letter in the mail from The Bureaus Investment Group on XXXX/XXXX/2020, stating I owed them {$540.00}. I sent them a debt validation letter ( see complete mail exchange attached ) & received a response that does not constitute proper debt validation per The Federal Trade Commissions guidelines. All I received was an itemized list of the alleged charges they claim I owe. I requested Validation that is competent evidence bearing my original hand signed signature showing a contractual obligation to pay them. The Bureaus Investment Group is still reporting this collection activity on my credit report, even after they have failed to send proper debt validation. They are in violation of the FCPDA. This erroneous & invalidated information they are reporting to all 3 credit bureaus ; XXXX   XXXX , & XXXX is causing great harm & embarrassment to my life. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. It is also causing me severe problems in trying to purchase a home for my family during this pandemic.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for. 
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did. 
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off. 
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase. 
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account. 
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cannon & Cannon Firm PC (UT)

XXXX XXXX XXXX ( XXXX ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time XXXX XXXX has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX   XXXX  DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX  CANNON LAW ASSOCIATES  of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX CANNON on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX Cannon did not respond in writing. Instead, XXXX XXXX Cannon sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX - yet XXXX XXXX CANNON LAW ASSOCIATES ( XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX CANNON LAW ASSOCIATES attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX CANNON LAW ASSOCIATES has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of XXXX XXXX XXXX. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX CANNON LAW ASSOCIATES is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX CANNON LAW ASSOCIATES refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX . 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX CANNON LAW ASSOCIATES or XXXX XXXX CANNON LAW ASSOCIATES client, XXXX   XXXX XXXX.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Adjustment Service, Inc. (OH)

I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.
Consumer complaint received 2020-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (NC)

I received an alert from XXXX  about an account being reported by Medical Data Systems for XXXX  XXXX  XXXX  XXXX  XXXX  for {$2000.00}. Please be advised that I never received a or verification of the item reported to XXXX  by Medical Data System is a VIOLATION of the HIPAA Act of 1996.

Medical Data System did NOT provide me a HIPPA release to access my medical information including charges stemming from services rendered and protected by HIPPA, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Medical Data System should this item not be deleted within the required time allowed by law. Medical Data System is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt.
Consumer complaint received 2024-08-20
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. (NJ)

I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but it remains unaddressed. These entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be associated with my identity, as I am a victim of identity theft.