davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (NJ)

Company reported wrong information as missed payment on my credit report and didn't updated my last payment for XXXX I'm always on tract it's the company bank problem which send back the charged amount in bank account and then again tried to charge and they do it XXXX 4 times a month And they didn't reported my last payment and they did updated the credit but didn't updated my XXXX payment On my side I'm on time and their bank is making it late so why they are blaming on me, All this started happening when I was trying to resolve the CAR Registration problem and was requesting documentation to change the registration from my name to my dad 's which is the real person and I'm just a co signer, why do I suffer all this
Consumer complaint received 2024-03-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MUTUAL OF OMAHA MORTGAGE, LLC (MA)

I did a refinance with Mutual of Omaha Mortgage. I worked with both XXXX XXXX and XXXX XXXX. This was a horrible experience and didn't go smooth at all. I closed on Saturday XX/XX/24 and was funded on XX/XX/24. I was supposed to receive {$66000.00} I received {$64000.00} a difference of {$2000.00}. I then let XXXX know, he said the attorney XXXX XXXX XXXX XXXX sent the wrong amount. Well that is not my problem this is lack of communication between this company and them. Then on XX/XX/24, I receive only {$850.00} which is way off and a difference of {$1200.00}. These were sent in two wires when it was supposed to be one I also want to be reimbursed for one of the wire fees of {$15.00} brining what is owed to me up to {$1200.00} XXXX stated the attorney XXXX XXXX XXXX XXXX sent a higher pay off then they were supposed to again not my problem. XXXX did not offer to fix this instead said I have to now wait for my old mortgage company XXXX Mortgage ( XXXX # XXXX ) to send me the rest. 1. Who knows if I will end up with the correct amount? 2. I now have to wait 20 days plus it being mailed to me so close to a month to get it? This is a breach on what I signed. The title company sends over an apology with a couple of gift cards that does not make up for getting ripped off on what I signed for. I should not have to be the one to deal with my old mortgage company to insure getting the right amount back, the new company should since it was a mistake on their part. I filed with the Better Business Bureau complaint ID : XXXX and they ignored the complaint. I had my attorney send over a letter asking for the payment and they also ignored my attorney 's letter. I will provide all the documentation. 

Parties involved! 

Mutual of Omaha Mortgage : XXXX XXXX XXXX XXXX XXXX, Office XXXX, XXXX, RI XXXX XXXX XXXX Disbursement Team : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Silk Title : XXXX XXXX XXXX, Summit South XXXX XXXX, XXXX, RI XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I. C. SYSTEMS COLLECTIONS DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT AS OF XX/XX/23 AS AN OPEN ACCOUNT. WHICH IS INACCURATE I AM ASKING THE FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEN AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. AGAIN I HAVENT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL, BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Levy & Associates, LLC (OH)

I am writing to inform you that Levy & Associates , LLC, a debt collector, has violated the Fair Credit Reporting Act ( FCRA ) in their efforts to collect a debt from me. 

According to previous court orders, the amount of debt owed is {$2800.00} to XXXX, and I am required to pay this amount directly to Levy & Associates , LLC. However, in their latest correspondence, Levy & Associates , LLC advised me to use a third party to schedule payment for the debt. This violates the court orders and is a violation of section 611 of the FCRA, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, Levy & Associates , LLC has stated that the amount owed is {$2800.00} in their latest correspondence, a discrepancy of {$27.00}. This violation of the accuracy requirement under section 623 of the FCRA is compounded by the fact that Levy & Associates , LLC has failed to provide me with the necessary file number and other important information, as agreed upon in the closing letter dated XX/XX/2022 with XXXX XXXX Municipal Court. This lack of transparency and disregard for court orders is a further violation of section 611 of the FCRA. 

In addition, Levy & Associates , LLC has contacted me directly instead of my attorney, who has been designated as my representative in this matter. This violates section 805 ( b ) of the FCRA, which prohibits debt collectors from communicating with a consumer in connection with the collection of any debt if the debt collector knows that the consumer is represented by an attorney with respect to such debt.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc. (CA)

I HAD MY 3 CREDIT BUREAU 'S REPORTS AND THEY SHOWING FRAUDULENT CLAIMS POSTED IN ALL CREDIT BUREAU 'S 1 FROM AWA COLLECTION FOR {$280.00} FROM INSURANCE THAT I DO NOT HAVE AND I DO NOT OWED ANY MONEYS BUT ACTUALLY CREDITS BECAUSE THE RENTAL INSURANCE PURCHASED IN XXXX WAS CANCELLED IN MID XXXX AND I PAID THE 6 MONTHS DOWN PAYMENT THAN 4 MONTHLY PAYMENTS BECAUSE THE INSURANCE GOT CANCELLED IN XXXX AS I MOVED AND I DID NOT NEED IT THE RENTAL INSURANCE ANYLONGER BECAUSE WE PURCHASED A HOME AND WE HAVE THE HOME OWNER INSURANCE SINCE XX/XX/XXXX ACTUALLY THIS INSURANCE OWED ME A CREDIT I WANT THIS FALSE DEROGATORY FRAUDULENT CLAIM REMOVED FROM ALL CREDIT BUREAU 'S IMMEDIATELY THIS WAS POSTED XX/XX/XXXX XXXX XXXX XXXX  POSTED A FALSE FRAUDULENT CLAIM FROM XXXX XXXX WHEN WAS PLACED IN BANKRUPTCY AND MY XXXX CLEARED ALL MY DEBTS. 
THE FRAUDULENT ATTEMPT IS FOR {$590.00} THAT I DO NOT OWED I WANT THIS FRAUD TO BE IMMEDIATELY REMOVED FROM ALL THE CREDIT BUREAU 'S Also ALL FALSE UNTRUTHFUL ILLEGAL INQUIRIES SHOWING IN ALL CREDIT BUREAU 'S ARE FALSE ARE ALL UNATHORIZED AND FRAUDULENT I WZNT EVERYTHING REMOVED INCLUDING MY BANKRUPTCY FILED IN XXXX XXXX 9 YEARS PASSED BY NEXT MONTH WILL BE 10 YEARS I WANT EVERYTHING REMOVED BECAUSE IS AFFECTING MY LIFE IN AN EXTREMELY BAD WAY. 

PLEASE REMOVED ALL THESE FRAUDS THAN I WILL PLACED ALERTS IN ALL CREDIT BUREAU 'S... to PROTECT MYSELF FROM ANY ABUSES.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

my name is ( XXXX XXXX ). the false name incorrect name. XXXX XXXX XXXX, XXXX XXXX XXXX speeding tickets are showing up on XXXX background check. XXXX XXXX. XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. these moving /speeding violations are inaccurate please help remove from drivers records DMV XXXX checker background please this person is hurting my chances of employment
Consumer complaint received 2018-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage (GA)

I have been trying to get a modification on my loan but whenever I call I get put on hold and nobody speaks to me yet they are threatening to foreclose. I Informed then I was entered into XXXX program and they continued to send foreclosure notice, they never addressed receiving information about XXXX that was sent to them. I was forced into early retirement and just trying to get payments lowered to match my fixed income.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid 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: TRANSWORLD SYSTEMS INC (NY)

Let this letter serve as a complaint about the XXXX XXXX. On XX/XX/2022 I, entered in the rental agreement with XXXX XXXX. I rented the XXXX XXXX car for the period of XXXX XXXX XXXX it in FL. The full amount of {$520.00} ( conformation # XXXX ) was withheld from my XXXX XXXX XXXX. I was asked if I wanted an additional insurance coverage for the rented vehicle. I explicitly refused as I have an active insurance coverage with XXXX. The XXXX XXXX representative asked me to provide him any of my credit cards to put on hold, in case of any damages to the rental car. I gave him my XXXX XXXX Credit Card. I signed the agreement that was later emailed to me. Eventually the XXXX XXXX billed me for additional {$260.00}. I challenged this charge as I refused to have additional coverage, but the company still charged me for the no provided service. I disputed the charge with XXXX XXXX and was assured by my bank that I did not have to pay the charge. However, the rental company sent me a direct bill for the amount {$260.00} trying to charge me directly. The rental company should not act in fraudulent manner and unjustifiably enrich itself for the services that have been refused by the client. I spend time trying to straight the matter out. I received the letter from XXXX XXXX that resolved the dispute in my favor however it did not stop XXXX XXXX from pursuing money from me and sent me ( XXXX ) bills directly. After that XXXX XXXX transfer this amount {$260.00} to Transworld Systems Inc. This company is a debt collector sent me already 2 or 3 letters with request me to pay this money. Plese help resolve this issue.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Dear Experian, Re : XXXX Account XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

1. This is a secured account. On XXXX, I contacted XXXX and told them that I wished to get records on the account. 
2. They did not respond. When I ran my credit later I saw that they were reporting me as late. That made no sense. 
3. I contacted them and after a while they did n't respond. 
4. After begging them, there was no resolution. 
5. I sent them a demand directly. 
6. They did n't reply and are reporting incorrect on your bureau. 
7. That is impossible. The other XXXX bureaus show as never late, and your bureau shows as late. 

The account was never paid late as it is reported. I request that you remove any inaccurate information from my credit report as quickly as possible. 


This is really causing me a lot of XXXX trying to fix this companies mistakes is taking countless hours. Further more I am a XXXX citizen. 

I do n't know why I must spend so many hours trying to fix the late payment that VCB as reported on my Credit Report. 

I 'm requesting that you remove the items from my Credit Report. 

After doing so please provide me with an updated credit report reflecting the changes. 


SEE ATTACHED
Consumer complaint received 2023-10-23
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. (NJ)

This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NC)

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 2023-12-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (WA)

On XX/XX/2023, I opened new Key Select Checking and Saving Accounts with Key Bank. Banker applied bonus codes for both Checking and Saving Accounts. After several days, I was contacted by the banker that they applied the wrong bonus code for Checking Account and they closed and opened a new Checking Account with the correct bonus code applied. 

They confirmed via email that I should get new account bonus for both Checking and Saving Accounts. 

Recently, when I contacted Key Bank to ask about new account bonus ( {$300.00} ) for Saving Account, they just found excuse to not give me new account bonus.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

THE FILES HAVE BEEN SENT TO CHASE. 
THEY INCLUDE THE STATEMENTS FROM THE TIDES WHERE I RESIDE. 
ALONG WITH THEM ARE THE STATEMENTS FROM CHASE REFLECTING THE INTEREST CHARGES. 
I CONTACTED THE BANK EARLY IN THE YEAR AS I HAD LOST MY JOB AT XXXX XXXX 
THE PRINCIPAL AND HER ASSISTANT WERE FIRED THIS SPRING. 
I WAS IN ARREARS AS A RESULT OF NOT RECEIVING MY TAX REFUND FROM THE IRS. 
THE BANK HAS ALL OF THE INFORMATION IN THE FILE XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (NY)

I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One XXXX card has a rewards program that allows transfers out called " convert rewards ''. When I try to do this, there system does not allow transfers out to any of their partners. This functionality is core to the benefits of this card, and no where in the terms of the contract does it state that this should be limited in any way. Capital One is not fulfilling its end of the contract I entered in to with them.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

. Have a balance transfer option to pay an outside loan or credit card for a promo rate. You go to use that offer instead of transfer out to pay a bill. They want to take funds from from the credit cards and loans vs transferring funds to to take advantage of offer. They trying to steal have a screen shot of that scenerio Second thing i used a check that barclay bank sent me to use as needed XX/XX/XXXXXXXX XXXX XXXX I had confirmed with credit card company i could write in the amount of XXXX they they said yes i could write for that amount on XX/XX/XXXX ( screen shot from bank shows barclay declined and blocked account for no reason ) t When the bank was cashing they put a stop payment on check and caused my other accounts to freeze up i. I called barclay bank and explained there was an error they said there should not be and was instructed to rewrite a new check for XXXX and submit again to XXXX this time i put in a different account at XXXX barclay denied for a second time they said that one was no good to write a new check and submit to outside bank that was XXXX XXXX XXXX  They rejected again XXXXXXXX XXXX  spoke directly to XXXX at barclay bank and she told XXXX and myself 3 way call for bank to resubmit check that it is all fine they still will not honor without answers seems like customer service does not know. Several phone calls to fix they say its fixed but will not pay out check submitted and no answer as to why im told its fixed but it is not. Meanwhile they have lowered my cash advanced limit after their bait and switch verbally on the XXXXXXXX XXXX and verbally on the XXXX XXXX from customer service at barclay crediit card. This company is doing a bait and switch and mis representing causing their customers huge problems. I am singled out for no good reason. They offer it but do not honor i understand all terms and credit card terms this is not good practice have an XXXX Credit score a XXXX XXXX  cred lmt. And a XXXX balance due.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Due to the lack of XXXX Bank of America allowed someone else to receive my prepaid debit card and spend almost {$0.00} they still are yet to give me almost {$10000.00} back and it has been stuck pending with no resolution for over a year. I have called hundreds of times made complaints hundreds of times, I filed hardships and sent all documentation showing that these funds that were sent to another bank account were sent to a bank account that was not me. I sent them all the letters showing from that bank that they released me from all financial liability and I had no connection with these accounts the funds went to. Bank of America has went way over the time allowed to give me an answer and still my claim is stuck in pending
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I sent this letter to LVNV FUNDING LLC They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974. 
It is also inaccurate because it's showing having different remarks.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Equifax is not reporting my credit score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OH)

Calling multiple times a day every day regarding a late paymentcalling multiple times a day every day regarding a late payment. 
One Main Financial mentor Branch has exceeded the number of allowed calls a company should be making to a person. 
On XX/XX/XXXX between the hours of XXXX and XXXX there were four calls made two within the same hour