davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-12-13
Product: Vehicle loan or lease — Lease
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. (NY)

At least the car from GM financial when my lease is up they told me I have 30 days to return it, then they gave me additional 30 days to get a new car with them which I did, in the meantime I tried making a payment they did not accept it l, They said I have to bring back my car, at the time when I got my new order in I made the payment the full and they went and they reported me to The credit bureau that I made a late payment even though they did not accept my payment, also I spoke to representative They told me they send the bills to my address without an apartment number which I never received Please help me out
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XX/XX/XXXX I have spoken with loan mart many times. I got a {$3000.00} loan from them back in XXXX I paid {$480.00} a month for XXXX and they added more payments and now they are trying to say I owe them {$17000.00} when I paid it off after XXXX and every time I speak to them it just goes higher and the managers there are doing it on purpose just to screw me over more its weird and very unprofessional on their part. Seriously 26 months of payments for a {$3000.00} loan = {$12000.00} I paid for taking out a stupid {$3000.00} title loan and now they are asking and lying and ruining my credit by saying I owe them {$17000.00} this is not right and like I told them I paid it off months ago and they know I did If the credit breau agents did their jobs at XXXX they can clearly see all the payments I had made but instead I cant get a hold of them and they are no help. XXXX had removed it before and now they keep updating it so it can stay on my credit forever
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CFR Violations This correspondence is in regard to violations of Coded Federal Regulations committed by CAPITAL ONE BANK. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE BANK does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XXXXThe adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* CAPITAL ONE BANK has the opportunity to cure and this is your notice of default for the servicing of the bank/ credit application.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is on Transunion I have filed many complaints on them since XXXX for not removing inquiroes and two collection and 3 closed charged off accounts that arent mine I have called them and spoke to them as well i have mailed them the fdic indentity report wth a letter and still nothing
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

In XXXX, I opened an Amazon account and signed up for the Chase credit card ( XX/XX/XXXX ), offered through XXXX. In XX/XX/XXXX, I finally signed into the Chase account and found that charges from XXXX XXXX, a service I have never purchased, received, or used, was charging my account XXXX XXXX  monthly from XXXX, then XXXX XXXX monthly from XXXX. I immediately contacted Chase to inform them of these fraudulent charges, Chase credited the charges back to my account, then overnight, replaced the charges back, stating that XXXX XXXX said I had an account. From XX/XX/XXXX to XX/XX/XXXX, I have been working with Chase and XXXX XXXX to resolve this issue. XXXX XXXX representatives and managers have stated that I would be paid in full, since there was no evidence of me having or activating an account. The many conversations have been on three-way calls with Chase representatives present. On XX/XX/XXXX, I received a statement letter, in my Chase account, stating " We resolved your dispute '', stating, " the charge you disputed is valid ''. " It will remain on my credit card account ''. This is totally unacceptable, that they would expect me to pay a charge that I never activated or received. Currently, the balance is {$2500.00} and growing with interest.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not own this debt. TRANSWORLD SYSTEMS XXXX reported to XXXX a collection in the amount of {$350.00}. They failed to contact me for verification and failed to forward me my consumer rights or notice either before they furnish the negative information or within 30 days of furnishing it. Therefore, Inaccurate, incomplete, or unverifiable information must be removed.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX XXXX, then changed to Nationstar and now Mr. Cooper, did not credit all the payments made to them, evidenced by my XX/XX/XXXX-XX/XX/XXXX mortgage interest statements. Instead Mr. Cooper states the mortgage was not paid after XX/XX/XXXX but yet, my mortgage interest statement dated XX/XX/XXXX showed an actual escrow balance of {$5100.00} with a surplus of {$3000.00} based on the XX/XX/XXXX-XX/XX/XXXX payments that had been made. This is an example of faulty record keeping.
Consumer complaint received 2023-06-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

I applied and was accepted into the XXXX XXXX XXXX. The total amount using Mohela 's online calculator based on my XXXX tax information and from speaking with a Mohela representative was the total repayment of {$83.00}. The official repayment letter ( XX/XX/XXXX ) from Mohela states that my actual payment for the same plan is {$370.00}- which is almost 4 times higher than what I believe I should be paying. 

Trying to call Mohela is a nightmare. I can not continue to wait on hold and there is no way to find out or fix this issue. I have diagnosed XXXX  XXXX  and XXXX and my current wait times on hold before speaking to anyone or hanging up has been 37 minutes, 45 minutes, 66 minutes, and 27 minutes ( the last time I was put back into the system as they could not answer my questions and I gave up ). The thought of calling Mohela is a trigger. 

I also tried email and it's just as bad as they have not addressed this issue and ignored questions. My {$370.00}. XXXX repayment is due soon. 

I have no idea why there is such a huge discrepancy and how to fix the issue. 

If possible, I will attach what the IDR calculator states my repayment should be ( {$83.00} ) which I took from Mohela 's website and my XXXX XXXX Letter from Mohela.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OR)

I was diagnosed with XXXX XXXX right before the Governor of Oregon State shut us completely down in 2020. After the removal of a XXXX XXXX XXXXXXXX and a XXXX XXXX I phoned all Creditors that I felt I didnt need and canceled their services as I was out of work from the shut down and facing huge Medical bills. I asked on several occasions to XXXX where to ship my equipment ( it is still in a box in my trunk ), they refused to give me an address and told me I only put off the servicefor a couple of months. They started back up without me knowing and not once sent me a bill. So, they said I owed for several months. How is that possible when they never even sent me a bill? I pay my bills. I have 100 % paid ON TIME in my Credit History. I feel this I a total scam. I do not owe them ANYTHING. I will gladly return the equipment tomorrow if given an address. Thank you for listening. You are more than welcome to check my Credit. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (KY)

In alignment with the Truth in Lending Act ( TILA ), designed to protect consumers against abuse and deceit by creditors, I find it necessary to bring to your attention several violations that I believe have occurred in my case : 1. **Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors. 
2. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.CA. A debt collector may not communicate with a consumer in connection with the collection of any debt.

3. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692B ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
4. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.8755. Not using any language or symbol on any envelope or in the contents of any communication, effected over the mails or telegram, that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
5. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language, the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (MO)

Experian in the last 2 days have notified me that they are currently still working on the issue that they NOW have stolen 18 months of on time never late payments to XXXX and refuse to give them back and in the past 2 days the have closed 7 complaints that are EXACTLY the same as the ones they are still working on EXPERIAN IS DELIBERATELY KEEPING FROM MY SCORE THE CORRECT INFORMATION WRONG TO PUSH LOANS AND CREDIT CARDS
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a mortgage with SLS Specialized Loan Servicing # XXXX that was under an 18 month Covid forbearance and once that time period ended I requested a deferral and was under the impression from day one that it was a viable option for me. XXXX basically waited to tell me three weeks into month 19 that it did not qualify for a deferral and that I either had to pay back 18 months in full to keep my perfect credit score rating or request a loan modification and let my mortgage report late for 18 months. I ended up just paying it all back and had to use my retirement savings to do so. Had I know from day one that a deferral option was not available then I would never have agreed to enter into a forbearance. Now I am having to sell the property to get the equity back out of it to replenish my retirement accounts. The way that XXXX handled my case was complete and utter discrimination.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

dispute_item_and_explanation } LVNV FUNDING LLC XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

So I sent a letter off on XXXX my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Aspen Yo LLC (MS)

I called and spoke to several different representatives, and was told different information each time. I was told XXXX  by XXXX that they had everything they needed but it would take 4 weeks to get the funds back to me. I have been out of my home since XX/XX/XXXX of this year. I have the contractors ready to start and Gregory Funding is keeping me from getting back in my house this year. I have paid my payments on time and I am very frustrated. I really feel that Gregory Funding is only looking out for them as I have been out placed for 5 months. I would like for them to speed up the process where I can get into my home by the end of the year.