davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Had to take a COVID forbearance period in XXXX  for 6 months. At the time of taking it they had stated that at the end of it there was 3 options, pay lump sum to catch up, move payments to end of loan and would be paid back at time of selling, pay off or refinance, or do a complete loan modification. 

When the forbearance ended, they only gave me 2 options, pay lump sum or do a complete loan modification. I asked about the 3rd option and they told me on a recorded line that the VA no longer allows this. I spoke to the VA this mornning XXXX and they told me that, they don't provide guidance on that, so if the mortgage company would do that that they could with no repercussions from the VA. The VA person ( XXXX XXXX ) stated that he has dealt and heard this from many XXXX and gave me this site to help. 

PennyMac sent over the loan modification, it was basically just a refinance not a loan mod as it was to take my current loan at a rate of 2.75 % to a new loan rate of 7.25 %. This increased my mortgage from {$1500.00} to {$2300.00}, almost {$900.00} increase. They lied and took full advantage of me knowing that I didn't have the lump sum. 

Now I am struggling to pay my other bills and take care of my family due to this huge increase of a monthly payment!
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX I called TD Auto Finance via phone, on a recorded line and, requested that a payment of XXXX be applied to my loan as a Principal Only payment. A payment of XXXX  was applied to the Principal and {XXXX was applied to the Interest. I understand this is a common practice of big Financial Institutions to get more money by disregarding the instructions of their customers and, preying on the ignorance of the consumers. If you request the details and activity of my account, with the exception of my first initial payment, all of the other payments have been applied to principal only, this is not a mistake on their behalf, but a common practice of many fraudulent activities to charge more interest to each and every consumer.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

Opt Out Letter The Fair Credit Reporting Act 15 USC 1681 Sec. 60XXXX a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and am submitting this complaint to request the removal of fraudulent accounts from my credit report, as mandated by FCRA Section 605b. 
The following fraudulent accounts were opened without my permission : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Demand to delete and remove Portfolio recovery A collection on credit report as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties. Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2023-05-02
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. (FL)

I have written to this agency to remove my statement due to fraud and not being able to fix the issue I had to file bankruptcy. nothing they don't respond and calling them does not exist I have argued that XXXX XXXX was not in my bankruptcy they came back with no changes but XXXX XXXX is still reviewing. so this tells me that XXXX is for the creditor and not the consumer and really do not do on behalf of the consumer when they are given proof of what I am stating. 
XXXX and XXXX XXXX XXXX are in my bankruptcy and XXXX did not put it on. 
I have had problems with XXXX regarding numerous issues and they seem to take the side of the Creditor when they are showing documentation that the Creditor is wrong.
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (MI)

GM Financial show 2 late payments in XXXX and XXXX of XXXX  and I communicated with them about the payments. They told me I didnt have to worry about the late ding on my credit report. I have since sold that vehicle, and can not continue the communication with them.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (CA)

I have been disputing an account which belongs to XXXX XXXX child support services with Equifax Credit reporting Agency and they claim they had verified the info i had called them previously regarding this and they did not do anything about it I had called XXXX XXXX and they told me it should fall of my report asap but its been almost 4 months since my case was transferred over to XXXX XXXX child support services. so now it says i owe money to XXXX XXXX which is XXXX and owe money to XXXX XXXX around XXXX
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (MD)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (TX)

INCORRECT NAMES - XXXX XXXX, XXXX  XXXX, XXXX XXXX INCORRECT ADDRESS - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYERS - EMPLOYED, SINCE XX/XX/XXXX, XXXX XXXX XXXX EMPLOYED SINCE XX/XX/XXXX EQUIFAX INQUIRIES XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX. XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

My wifes family sent an inheritance of {$45000.00} in XXXX checks, which i deposited on XXXX at the time of deposit I had XXXX dollars in the account. A hold was put on the checks until XX/XX/XXXX, the bank immediately cashed the checks ( verified by the bank that wrote the checks ) and then froze my accounts. After contacting them on monday XX/XX/XXXX forms were requested to be brought to the bank showing POA for the accounts executer. I gave the employee at the bank the paperwork which was scanned into their XXXX system XXXX, uploaded XXXX  on XXXX and XXXX  on XXXX by XXXX a customer service rep at the XXXX XXXX XXXX location. On XXXX The next day the fraud dept said that it hadn't come through the XXXX  system yet and it would take another day. On XXXX my first of many calls with the fraud dept of chase bank they stated that the XXXX  system didn't have my items so i delivered them to XXXX at the chase bank on XXXX XXXX XXXX she scanned them again. Again on XXXX I spoke with another chase fraud dept person who stated it would take XXXX  days for the upload to be available, when i asked for a supervisor I was hung up on. When I called back and I finally got a supervisor I was hung up on again. Upon my XXXX  attempt I spoke with a very rude female supervisor who said that the paperwork had come through but something about the XXXX  signature on something, I asked her to call and verify the checks with the other bank or with the maker of the checks but she refused to do so and ended the call due to me being upset ( I was not cursing or abusing her in any way, I was talking over her and she didn't like that at all ). On my next call which was XXXX minutes later I spoke with a supervisor named XXXX who asked for my address and informed me that my accounts are now going to be closed and a check will be sent with whatever remainder there was in my account in XXXX days. when i asked XXXX what that amount would be he said it would take XXXX days to figure that out, so now I get to call them everyday again until I find out what they think that total is going to be maybe that I should get sometime in the future by mail.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

On XXXX XXXX XXXX  " U.S. Bank '' " E-Fraud '' department placed my card on hold due to a fraud alert from an ACH transition. I received a ACH transfer for the amount of {$3200.00} the transaction came from an item that was sold online. I went to the branch and provided them with all the necessary documentation needed. Since then they have been holding my funds for more then two months & just closed my account on XXXX I've received an update. I have been told that they still will not be releasing my funds even after I have given them everything that necessary for them to validate my account. I'm going through financial hardship due to them holding my account & not allowing me to withdraw my funds. I need help they're wrongfully hold my funds & I feel racially profiled, I have been patient. I do not know what to do about this satiation any more.
Consumer complaint received 2024-02-07
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: TRUIST FINANCIAL CORPORATION (TX)

I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you
Consumer complaint received 2024-01-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MD)

I received a letter from debt collector Weltman, Weinberg & Reis Co., LPA in XX/XX/XXXX. The letter stated I owed a debt of {$39000.00}. It gave me the option to request further information about the loan in question. I mailed back the request for further information. In XX/XX/XXXX, I had not received any further mail about my request from the debt collector and I was notified that my credit had a high derogatory mark XXXX point drop. I immediately called the company on XX/XX/XXXX to inquire, I was told by the representative XXXX that due to some inconsistencies in the account, she couldn't fully verify that the loan request information was sent but has to " hope that they did it. '' I was infuriated, she stated she could send it electronically, which I promptly accepted. I followed up on XX/XX/XXXX as I had not received the electronic documentation with my loan information that she stated she would send on XX/XX/XXXX. The same rep XXXX stated that it was " pending '' and she would have to escalate it to her supervisor and apologized. I went ahead and set up a payment plan to not continue any further delays ( as I have always paid on my loans when contacted ). I asked about the negative mark on my credit, but she stated it could not be changed. Based on the fact that the company hastily added a huge derogatory mark on my credit without following protocol of providing me with the request for further loan information/validation is a violation of my rights as a borrower. They have had multiple attempts to send the mandatory requested information and they continue to fall short, thus it is grossly inappropriate for my credit to be affected.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (CA)

This Debt Collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore ( put bankruptcy account ) should be removed from my credit report entirely for false reporting!!
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Albert Corporation (MI)

I tried to do something XXXX, gave my banking information to this online company Albert for a loan. Never got approval for any cash they got my information of course I contacted them through email and text can't call of course to remove all of my information still waiting to hear back! I know it was my mistake but this companies need to be stopped!
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (AZ)

Washington Federal Bank is my loan servicer and maintains an escrow account for taxes and insurance. This years insurance renewal was due XX/XX/XXXX but the statement shows it was not sent until XX/XX/XXXX. As of now, the insurance carrier does not show as received. The insurance broker reached out 4 times in XXXX to prevent lapsed coverage and every time were told 2-4 business days with never hearing back. On the 4th one, WaFd said I had to call. Ive now called 3 times with the same result. My policy has since lapsed and caused me to have to pay the renewal and a reinstatement fee for a total of {$810.00}. And the {$790.00} is still showing deducted from my escrow account without WaFd making resolution.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MI)

I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.