davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

In XXXX I purchased the vehicle and was told if I did not have motor vehicle insurance then it would get included with my contract and my payment will be an extra {$160.00} a month for my insurance. Both parties signed the document and every payment I made included my car insurance payment. I received a notice from the motor vehicle division of Arizona in XXXX saying I had 15 days to provide insurance on my vehicle. XXXX gon na get my registration suspended. I called my finance company who I make my car payment and my insurance payment to, and they stated that they are not covering my vehicle for full coverage and I still have to provide my own insurance even though my contract shows they are supposed to be providing insurance for my vehicle since its included with my payment, theyre not wanting to give me any credit back for any of the insurance payments that Ive made to them even though they have no insurance coverage on my vehicle my registration is suspended because there is no coverage that has been placed on that vehicle I can not drive to get my kids to or from school Because every two weeks this company still wants that payment for that insurance and I am unable to provide my own paying for an invisible insurance coverage. Please help!! I am a single mother of XXXX XXXX XXXX XXXX who is barely financially making it. The vehicle I had before was very old and all the repairs I just couldnt afford to keep up any longer and so for my childrens XXXX XXXX, such as XXXX XXXX and XXXX XXXX. I need a vehicle to get them to their appointment so I had to go get a vehicle where I could And I am now regretting this decision. I didnt choose this finance company. It was chosen for me by the car dealership, reading their reviews I would never chose this company. Their customer service is very unprofessional in every manner. Please please help.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc. (TX)

XXXX keeps double charging me for purchases. They have done this with many XXXX purchases and now just did it again with an XXXX purchase. I need my money and they keep taking it without any records or explanation other than a fleeting notification that a purchase price has just been " adjusted '' They have stolen hundreds of dollars from me this month alone
Consumer complaint received 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

This complaint stems from the complete inadequacy of Dovenmuehle Mortgage Inc. servicer for XXXX XXXX  XXXX. This issue has arisen due the fact of an approved forbearance agreement with suspended mo. payments of {$0.00} from XX/XX/XXXX through XX/XX/XXXX. This was due to the impact of Co-Vid19 hardship. In my paperwork it states that in accordance with the Federal CARES Act the status of the account at the start of the forbearance would be preserved throughout the forbearance period. That if your account was delinquent at the time the forbearance began it would continue in delinquency status that existed at the start of the of the forbearance throughout the forbearance period. If, however, the account is brought to current it would be reported as current throughout the forbearance period. In a letter date XX/XX/XXXX Dovenmuehle required a default payment of {$1800.00} on or before XX/XX/XXXX. I then worked in conjunction with XXXX CARES mortgage relief program through XXXX XXXX XXXX  to have the default cured in the proper time. I was under forbearance from XXXX through XXXX XXXX. I began making payments again and no longer had a need to be under forbearance. However, although I'd begun to make payments through loss mitigation as I'd no longer received a payment booklet and only had past due statements, they continued to have me under forbearance status through XXXX XXXX. I then received a letter dated XX/XX/XXXX stating a recent review of my account showed funds were received for payment due XX/XX/XXXX and that the amount of {$59.00} was posted to the account as unapplied funds and was not applied as a mortgage payment. However, I have receipts of mortgage payments made at XXXX bank branches for amounts of {$900.00} on XX/XX/XXXX XXXX {$910.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. When I disputed the letter from XX/XX/XXXX I received no answer as to the application of my funds from this company. I also disputed the fact finding by this company which increases my monthly mortgage payment by about {$400.00} a month to XXXX for a proposed escrow shortage amount of XXXX. In the XXXX plus years I've had my mortgage loan never has an ALP gone up by such an astronomical amount. When reaching out to this company, which in my opinion is not a very well run or organized entity, I've received nothing in the way of validation of the debt they have accrued to my account. In a letter dated XX/XX/XXXX they sent its stated ; Thank you for for your latest payment of {$1000.00} however your full monthly payment is {$1200.00}. On your behalf WE HAVE TAKEN funds from the escrow portion of your payment in the amount of {$160.00}. Please remit funds of XXXX to replenish your escrow account. Is this legal? For them to manipulate my payments without ANY CONSENT. To do such and then provide me with nothing in the way of validation except harassing phone calls asking for further payments to manipulate. I would like some accountability on their behalf please.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I have complaint that was closed Mr Cooper has destroyed! my XXXX check or lost it between the time I called on XX/XX/XXXX covid informing that they had received my certified letter containing my certified checks one for XXXX from XXXX XXXX XXXX XXXX and one certified check from XXXX XXXX for XXXX I was told on the phone that it was received at XXXXXXXX XXXX in XXXX, TX but that I owed XXXX in escrow shortage witch I played the person on the phone told me to turn off auto pay so they couldn't take a payment out when I e d that the statement said I owed XXXX dollars a week later I got a statement in the mail witch the never send since I have an online account starting I only played XXXX and they applied it to the account I called they denied getting the XXXX check they suggested that I call and cancel the check witch I did and the bank told me that it will take 90 days to do that meanwhile for 3 months they will charge me interest and continue to charge me mortgage payments I am XXXX XXXX XXXX and I think they are taking advantage of old people who want the security of paying off their home the woman I spoke to on the XXXX of XXXX congratulated me on doin that and now here I am paying interest on a loan I was told was payer off.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TN)

I have been disputing this debt of {$680.00} with XXXX XXXX for over XXXX years now. 
When the debt went to collection company Credence Resource Manna, I have disputed with them as well. 
I have explained repeatedly that XXXX scheduled services at a location that had no signal and services never worked. I attempted many times to cease billing due to the fact that I had no services to be billed for. 
XXXX is a fraudulent company as far as Im concerned. How can you bill a customer when services do not work, and then hold them responsible for an insane amount of money, affect their credit when attempts were made repeatedly to cancel the service they initiated? I was at this location for five months and I did not even realize that this was on my credit report again until a few months ago. It showed up on my credit a few years ago which I disputed and it was removed. 
This needs to be deleted from my credit report permanently.
Consumer complaint received 2023-05-12
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: CBC Companies, Inc. (TX)

The FCRA requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy when assembling credit reports. Maximum possible accuracy ensure improved data accuracy for users of credit reports e.g. banks, government agencies etc who rely on accurate data to make critical decisions every day about loans, government benefits, and other important matters. 

Lenders need accurate data to perform sound risk assessments, provide terms tailored to the borrowers appropriate risk level - having the most reliable and accurate data helps CRAs maintain good consumer relationships and focus on investing in new products and services to help consumers. 

Per FTC, PERC, CFPB inaccuracies are not good for business. Having an accurate credit ecosystem will prevent duplicative information, and stay in compliance with FCRA and promote the oversight of furnishes, and enhancements to the dispute resolution function. 

To best serve me in this complaint, I need addresses to be accurate in the credit reporting system. Any potentially material errors in my credit file makes me look riskier than reality. Lenders respond to incorrect data by offering higher interest rates, less favorable terms, or denying credit if the error makes me look too risky. 

There is no liability structure for inaccurate data or incorrect information. The credit bureau check with the provider of the information that there is a claim. There is no penalty for those who repeatedly provide inaccurate information. There are no actual investigations- even if a percentage of complaints were investigated, an investigation along with penalties from providing inaccurate information would incentivize data providers to do the right thing. Credit reporting systems should effectively support the economy- it should be safe, efficient and fully supportive of data subjects and consumer rights. The value of CRAs service is in direct proportion to the accuracy of the data it provides. Higher quality data is important moving forward so that credit can better flow to those who need it. 

My vehicle as vandalized and I am currently in the market for the new auto loan. I need all information to be accurate.
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Portfolio Recovery Associates , LLC Follow up to your response dated XX/XX/XXXX I never open an account with XXXX, therefore I dont own any debt, to XXXX XXXX XXXX or to you Portfolio Recovery Associates , LLC XXXX On your response dated XX/XX/XXXX You Claim Because we purchased the account and contract XXXX XXXX XXXX had with XXXX Why have you not produce an Original contract copy with signature, that you claim you have Via Consumer Financial Protection Bureau on timely manner. 
Once again I never had any business relation with XXXX or XXXX. 
I have nothing to do with your office as well. 
There is not validation of account, ending in XXXX, with your office and you are nobody to validate an account for the reason that records of account ending in XXXX not mines. 
In return your office continues molesting me and affecting me by all means possible Send me a cancellation letter for account ending in XXXX at the receipt of this notice and send me the cancellation letter via Consumer Financial Protection Bureau Im forced me to file a Police Report Copy of your response dated XX/XX/XXXX XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX ( XXXX ) reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$9900.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. Because we purchased the account and contract XXXX XXXX XXXX had with XXXX to pay the balance due, no other contract or signed document bearing my signature between XXXX XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated several disputes regarding the account. In response to the disputes, PRA sent you letters containing validating documentation from the original account. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time
Consumer complaint received 2023-06-21
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. (IL)

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.

The letters are stated with items and issues.

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 2023-05-12
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 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
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (RI)

I applied for credit through Chrysler capital online and was pre approved for up to XXXX to finance a vehicle on XX/XX/2023. about a week go by I go into the dealership XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Rhode island, one of the participating lenders and bring in my approval letter that I printed from online as instructed. first I ask the dealership do they participate in ( TILA ) Truth In Lending Act. the salesmen name were XXXX and another XXXX XXXX veteran salesman and the other just started. after my question was ignored or not acknowledged told them the car I wanted to finance and then my name and social was asked to be given to complete another credit application after I was already pre approved so after I signed my name on the offer for XXXX down payment they came back and said the bank wants XXXX grand down. a week or XXXX go by I receive an adverse action/denial letter saying I'm denied due to no score. please take into consideration what the law states CODES OF FEDERAL REGULATIONS 1. ) 12 CFR 360.6 ( 2 ) speaks on transparency regarding the process of the consumer credit application being the financial asset.

2. ) 17 CFR 260.11b ( 6 ) as well states that the credit application is a self-liquidating paper.

3. ) 15 U.S. CODE 1605 states the finance charge does not include charges of a type payable in a comparable cash transaction.

4. )
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I called Equifax and XXXX  and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both Equifax and XXXX  seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by Equifax and XXXX.
Consumer complaint received 2023-05-12
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. (MI)

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 XXXX : XXXX has violated my rights. Or 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 2023-05-12
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. (MD)

When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$930.00}, XXXX XXXX XXXX  Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX  Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX  Balance : {$490.00}
Consumer complaint received 2023-05-12
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX LL ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (NJ)

Okay Experian billed me for a trial product that I could not cancel on line or o er tge phone. They make it difficult. Finally got through cancelled asked for refund. They would not refund after explaining I couldn't get through a d I said I would file a complaint for refund they agreed to cancel paid membership and gra t refund. In the interim my score was XXXX and in retaliation they removed a free product called Experian boost a d it decreased my score to XXXX. I had already had the free service Experian boost prior to the trial membership. Then when I tried to re boost the removed my bank so that I can't re oist. What company does this ut is a big disadvantage that these company can control our lives. I need my boost back tgetook 28 points and tears not even the points I received from the boost so they took additional points that had nothing to do with boists.