davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (PA)

I am writing to formally file a complaint concerning several significant issues with my account, including inaccuracies in reported information and unauthorized disclosure of my personal data. I believe my rights have been violated under various applicable laws and regulations. 

1. Inaccurate Information on Account I have identified discrepancies in the reported amount due on my account. The details are as follows : Total Amount Due : {$1100.00} Payment Due Date : XX/XX/year>2024 Breakdown of Charges : Regular Monthly Payment : {$350.00} Late Fees : {$30.00} Past Due : {$740.00} Other Charges : {$15.00} Additionally, a finance charge is being assessed on my account despite having already paid interest as stipulated in the consumer agreement. 

2. Payoff Balance The current payoff balance details are : Payoff Amount : {$13000.00} Good Through Date : XX/XX/year>2024 Breakdown : Principal Balance : {$11000.00} Unpaid Late/NSF Fees : {$30.00} Other Unpaid Amounts : {$15.00} Finance Charge : {$1500.00} ( Accruing at {$7.00} per day ) 3. Unauthorized Disclosure of Personal Information My personal information was disclosed to a third party without my consent. Furthermore, this third party subsequently shared my information with a fourth party, with whom I have no contractual relationship. This unauthorized disclosure constitutes a violation of my privacy rights. 

4. Regulatory Violations The issues with my account and the unauthorized disclosure of my information may violate the following regulations : Commerce and Trade ( 12 PA.C.S. ) - Motor Vehicle Sales Finance Act and Goods and Services Installment Sales Act Fair Credit Reporting Act ( FCRA ) and Regulation V : Section 623 : Requires furnishers to provide accurate information to consumer reporting agencies ( CRAs ) and investigate disputes regarding inaccuracies.

Regulation V : Mandates that furnishers establish and implement reasonable policies and procedures to ensure the accuracy and integrity of consumer information reported to CRAs.

5. Electronic Signature Acknowledgment I have an Electronic Signature Acknowledgment related to this account that was not signed. I did not have a full understanding of what I was reading, and I do not recall signing any paperwork. This omission affects the validity of the agreement and complicates the discrepancies noted. Please review this matter and provide guidance on how this impacts my complaint and the resolution process.

Requested Actions : Conduct a thorough investigation into the inaccuracies and unauthorized disclosures.

Implement corrective actions to address the discrepancies and unauthorized disclosure of my personal data.

Provide clarification and resolution regarding the discrepancies in the charges on my account.

Offer guidance on the impact of the unsigned Electronic Signature Acknowledgment on my account and complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I paid the remaining outstanding balance on my CashNetUSA line of credit and requested that the account be closed permanently. 

The company refused stating that it could not be closed due to auditing purposes. I asked for my line of credit to be reduced to XXXX, they refused for the same reasons. The fact that they refuse to close my account is making it difficult for me to close on a home due to underwriters requiring that this account be closed. 

I feel this is both predatory as it is an attempt to trap me with this inferior credit product. Also, a company can not keep an account open for me for any reason when I have no further debt to them - this is also unlawful. 

The account does not need to remain open to satisfy auditing purposes - this was a blatant lie as well as a ridiculously absurd claim. I requested for the account to be closed with my credit line cancelled immediately and to receive written notification thereof, and CashNetUSA refused. 

Please help because as I stated earlier, this account is holding up the underwriting on closing my home loan. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

I filed a dispute on XXXX XXXX. I have no idea who Jefferson capital is. I asked them to send out validation letter along with name of original owner of account and to include title change showing they are taking over the debt that I know nothing about bc I have no idea who original owner is. I think it was disputed through XXXX which they Jefferson capital did not send or show no proof of the information I asked for and within five days I received a message saying it will remain. I believe those actions are inappropriate by XXXX or XXXX as well for not making them show or send me proof. They also have date of XXXX as open account I did not open any new accounts in the past four years
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (NY)

I tried to make payments to the original company XXXX and then XXXX was put on the account without any email from XXXX or phone calls about the account being late. XXXX, never sent me any details on this being owned or sold to them. Now Unifin Management is telling me they own the account from XXXX with not proof or notice that this has happened.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX. We stayed at XXXX XXXX for a weekend to attend a friends birthday party in XXXXXXXX XXXX 

XXXX. We received a special rate from XXXX in exchange for attending a one-hour seminar at XXXX XXXX 

XXXX. My wife and I stayed at the party until XXXXXXXX XXXX, making our seminar start time quite challenging. 

XXXX. When we arrived at the seminar, we were still intoxicated and remained so throughout the session. 

XXXX. I informed them that I couldnt afford a timeshare, my credit wasnt good, and I likely wouldnt qualify. 

XXXX. XXXX different representatives assured me that qualifying wouldnt be a problem. They both claimed that they wouldnt report to credit agencies and said I could cancel within XXXX weeks if needed. 

XXXX. A week later, I sent a letter to my representative requesting to cancel. 

XXXX. About a month later, we noticed charges appearing on our credit card. When I called to address this, I reiterated that we had canceled. They assured me they would stop the billing, but it took XXXX to XXXX hours for that to take effect. 

XXXX. I did not provide them with my Social Security number. 

XXXX. This account wasnt reported to my credit until this year, XXXX years later. 

XXXX. When I contacted XXXXXXXX XXXX, they transferred me to their mediation department, where I felt pressured. They stated that if I purchased a timeshare again, they would remove this from my credit report.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-05-16
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon I currently bank with JPMorgan Chase Bank and I would like to report them for illegitimate bank practices. 

I currently have a checking and savings account with this bank however XXXX of my account was overdrawn on the same day and on that same day they charged me an overdraft fee of XXXX XXXX times on XXXX separate occasions which put my account in the negative for over XXXX XXXX dollars. I called and they refuse to reverse the fees I filed a complaint with the bank and heard nothing back. According to the rep I was only allowed XXXX overdraft reversal per year which is unreasonable. I would like to file this complaint as this is bad business practices and have the overdraft fees that unauthorized and stole from my account reversed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (VA)

XXXX, XXXX, XXXX, XXXX XXXX XXXX. Are all in violation title 42 section 408 ( a ) ( 8 ). I have never heard of these reporting agencies yet they make inaccurate reports involving my social security number publicly. They deliberately act as a cabal to keep consumers in debt by reporting old and inaccurate reports. I had no knowledge of these reporting agencies were violating title 18 section 242 color of law
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

i recently review a copy of my credit report and noticed that was not reporting accurately. i have XXXX late payments on an account that was fact paid on time.The customer reporting agencies ' have need to report all information with complete accuracy. The account has not been late on payments i have attached a copy of my report to this complaint on the following dates XXXX i`m now requesting you investigate and provide verifiable proof with records showing that i had late payments, If this information can not be verified i demand these payments be updated to paid on time immediately. thank u your understanding and prompt action
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

In XX/XX/XXXX, a lease agreement was made for XXXX year for an apartment at XXXX XXXX XXXX, for which I was charged 2 months of rent + security deposit + broker 's fee totaling {$6800.00}, with the effective date of the contract being XX/XX/XXXX. Due to unforeseen circumstances, the apartment was abandoned before the end of the contract, without notifying the landlord. It is worth mentioning that the deposit was not returned to me. On XX/XX/XXXX, my credit history was affected by a supposed debt of {$2200.00} from the debt collector Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX of this year, I was contacted by email by the same company, requesting payment of the debt without specifying the reason for the charge or any details.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

I was trying to learn more about stocks and trading and XXXX showed me some ads. Clicking XXXX of the ads introduced me to a XXXX  group. The group was called " XXXX XXXX XXXX ''. They were providing training on XXXX XXXX First, they gave all of the participating members {$500.00} test money to trade and increase profit for a week. After that, they stated from now on we are quite confident on our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So they encouraged us to invest and get more profit. I was hesitant but noticed other people ( later I understood that was part of the scam ) were investing a lot and making profits like XXXX a day. Later I also got encouraged by them and invested more. The trading platform is known as XXXXI only reported the major transactions here. I invested another XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX As far as remember the XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX month ago they declared the cycle is over and now we should withdraw the amounts after paying taxes. I did not have money and did not withdraw. But I got scammed in another place and understood that this was also a scam.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-04
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

It appears that Shellpoint Mortgage Servicing has a problem with how they pay taxes from the escrow accounts. The first year with Shellpoint, I was making escrow payments. At the end of the year, I was informed that I was over {$1000.00} short for the escrow payment and they would have to adjust my mortgage payment from $ XXXX to $ XXXX starting in XXXX, to make up for the underpayment that would be spread over XXXX. I paid the full overage at the end of the year, asking that my escrow payment be adjusted to the correct payments and not include an added payment for the overage. However, after numerous certified letters, Shellpoint would not do this and continued to charge us for the escrow plus back payments for the escrow of XXXX. 
I refinanced on XX/XX/XXXX. On XX/XX/XXXX I called the County to confirm that real estate payments were made. They stated that no payment was made. On XX/XX/XXXX I paid the {$470.00} to the County of XXXX for Real Estate Taxes in order to make sure it was paid before the discount deadline. 
Today, XX/XX/XXXX, I spoke with a named rep at Shellpoint about my escrow balance. According to their records, they paid this amount to the County on XX/XX/XXXX. I called the County today, XX/XX/XXXX, and they stated they still did not receive or process any payment from Shellpoint. To add to this, because I paid it myself, the County office stated that they will refund {$470.00} to Shellpoint when and if they receive their payment because they can not process XXXX payments. 
This {$470.00} should be returned to me, along with my escrow balance. XXXX XXXX told me that when the County returns the check, they will be required to send the refund to me, but that will take at least another two months. It is clear, that if they sent the payment on XX/XX/XXXX, as stated, it would have been processed before the XXXX. Since it wasnt, I would have also missed the ability to pay with the discount. This is probably also how I came to have an underpayment in XXXX. On top of this, I lost several hours of work to clarify this mess.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I recently received letters from LexisNexis, XXXX, XXXX, XXXX and XXXX stating my dispute was verified or accurate. The following account ; XXXX Florida XXXX XXXX Bankruptcy # XXXX is still listed in credit reports unverified and without my permission. This is fraudulent placing items on a persons credit report from third-party hearsay! Pursuit to sections XXXX ; I did not provide permission to the XXXX, the XXXX, the XXXX, XXXX, LexisNexis or anyone to place this account on my credit report. There is no Law stating this account must report on my credit file at all. The XXXX stated they did not verify this public record with any credit bureau. The law states this account must be reported by the original account holder and not a third party. It must be removed immediately if the verification did not come from the XXXX!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.