davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

My car was repossessed in XX/XX/XXXX I went outside and it was gone. My engine went out in XXXX I requested my warranty information and a extension at the time because it would be difficult to pay my XXXX dollar car note pay for rides to work pay my bills maintain insurance take care of my daughter pay my rent and buy back to school clothes and supplies. My Warranty was included with my car for the length of the loan and no one responded to my inquiries, when I called the payment number they representative told me she only collects payments. I called everyday, because I needed to get back to work. I couldnt work after my engine went out and then my car gets repossessed. I felt hopeless couldnt reach anyone for information pertaining to the repossession. I had valuables in the car. All my documents and contracts from us auto were in the glove box. My engine was supposed to be fixed and covered by warranty. I had no information on them and when I called Us Auto office on XXXX XXXX XXXX no one answered and calls were being forwarded to the payment center and they now arent answering the phone. I had no idea of the closure until XX/XX/XXXX. My sister told me about a lawsuit thats pending because they sold their contracts to another company apparently. I was due to pay my car off in XX/XX/XXXX and my car was repossessed in XX/XX/XXXX. I paid XXXX dollars the price of my car when I bought it was XXXX. Its just crazy at the end of my contract when Im due to pay my car off the engine goes out and the car get repossessed after not even 30 days of non payment. After it was repossessed I didnt know where to go who to call or nothing. I didnt have anyone to help me or know what to do in this situation. I was never more than 4 days pass due on a payment in the 3 years I had my car and it gets repossessed 1 month after being delinquent. It was not my fault that US Auto was unresponsive and unavailable to provide me with the necessary information assistance or documents to contact my warranty company to get my engine replaced. I paid XXXX XXXX for a diagnostic for no reason, that was money down the drain because I didnt have a warranty company to provide the information to. I still feel hopeless. You know how long it took me to save XXXX for a down payment. Its extremely more difficult now to save that kind of money. Its been 8 months and I still dont have a car or the money to get another one.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a copy of my credit report and I have found that in accordance with the FCRA Transunion violated my rights by reporting my payment late under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
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: Rocket Mortgage, LLC (IN)

Recently I requested from Rocket Mortgage : What information of mine they share/sell/barter. 
With whom have they sold/shared/bartered my information and when they sold/shared bartered my information. 

This simple request turned into a fiasco by them when I had to : speak to XXXXOUR people, write numerous emails, receive two meaningless and erroneous letters that XXXX authorized AND be dismissed twice ( by XXXX XXXX XXXX ), when they tired of my questions. ( She has refused to talk to me forever on this subject. ) I advised XXXX I fully intend to request this info every year - how will I do this if they have orders to not speak with me? 

I received their 'letters ' which did not include the names of companies with whom they shared/sold my information. 
did not include what info they sold ( they only identified the classification and type i.e. Loan information and city/state never telling me the actual city/state or if it was mailing address or property address ) did not include dates of when they actually released my information to 'someone '. 

In a voice discussion with XXXX, he stated they do not sell/share my SSN. XXXX refused to contact one of THEIR vendors, BUT she suggested I contact XXXX XXXX, which I did. XXXX XXXX stated that Rocket Mortgage did, in fact share my XXXX. 

SO - over the course of a month, numerous calls with XXXX people, emails, erroneous letters- I STILL DO NOT HAVE A THOROUGH REPORT OF MY REQUESTED INFORMATION and Rocket Mortgage is hiding something, even if it is just the truth about sharing my information. 

The public and their customer/mortgagor base has a right to know what kind of company this is- at the least what kind of people ( XXXX, XXXX and XXXX ) are speaking with the mortgagor/customer. PLUS I still want a report! 

XXXX XXXX has stated she will no longer discuss this issue with me, however I expect to request this info every year going forward - I certainly can't go through this nightmare every year. do not want to waste a full month with Rocket Mortgage every year!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (CA)

I have my driver 's license lost in mail around XX/XX/2024 and identity stolen around same time. Some fraudulent person uses stolen identity to create accounts with Experian, XXXX, and XXXX to access my credit report and lock me out of account access once I found out about the theft. 

I subsequently contacted Experian on XX/XX/XXXX to file dispute on account created by fraudulent person using stolen identity and phone number with area code XXXX and XXXX  account. Experian asked for copy of utility bills, drivers license, and even social security card to be send by fax which I did on XX/XX/XXXX. Nothing being done up to XX/XX/ 2024. A call to Experian on XX/XX/2024 after initially answering XXXX identity questions and told account reset password link will be send to my current password within XXXX mins but nothing show up. Subsequently call to Experian asking for supervisor to file complaint but supervisor refused to answer the call! After several strong request, a supervisor named XXXX, hear the complaints call with rude voice but subsequently hang up midway without providing any apology, time frame or solution. This is definitely frustrating process with Experian while fighting the identity theft after Experian allow fraudulent person to change my information! 

While I have similar incidents with both XXXX and XXXX, they manage to resolve the issues within the same day after receiving documents and verifying the identity.

Thank you for your kind assistance. 

Yours truely XXXX XXXX
Consumer complaint received 2024-01-16
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. (SC)

In my seventh attempt to resolve this issue, I would like to stress that this constitutes my sixth endeavor to address the persistent problem. Despite multiple requests, EQUIFAX has consistently denied me the ability to access my personal credit report. They have adamantly refused to furnish any details regarding my credit history. Attached, you will find supporting documents, including a copy of the letter I previously sent to the credit bureau and duplicates of my personal identification.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Universal Commercial Capital. Inc (CA)

In XXXX of 2023 I was behind on my mortgage. I was approached by Universal commercial capitalXXXX XXXX XXXX XXXX XXXX They offered to help me save my home at no cost to me. At the time I was behind about XXXX. and my mortgage payment was {$1100.00}. Within weeks they had me meet a notary at XXXX in XXXX to sign papers. Nothing was explained all I was told is sign here and here and that they would save my home and refinance my loan. The amount of the loan was not disclosed the payment was not the disclosed the fees they charged were also not disclosed. No copies of the paperwork I signed were provided until my grand daughter got involved and requested the paperwork at that time is when I found out they refinanced my entire loan for $ XXXX my mortgage payment went from {$1100.00} to {$3500.00}. They charged an outrages $ XXXX for loan fees and 12 months of mortgage payments advanced to the investor who lend the money. As my grand daughter researched further the originator on the loan application does not have the proper endorsement or license to do loans in ca and the # 's used on the application belong to someone else they also added a XXXX per the NMLs their licenses do not have a XXXX. They also did the loan as if my property was a rental I survive on {$1600.00}. they disclosed I rent my property and have an income of {$8500.00} all respa violations. It was my primary residence and I was forced to sell as they put me me I a worse situation.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (AZ)

This company is conducting business practices that do not align with the FTC. On XX/XX/XXXX, I applied for this " installment loan. '' They had my cell phone number during the verification process but insisted on calling my job. They called my job two times during the verification process ( XXXX days ). I told them after calling my job once to not call again and they " documented it '' and swore they wouldn't. Well, next day they called my job again. This time I wasn't nice and told them call again and see what happens. They approved me for the loan and that was that. 

Unfortunately, I fell on tough times and defaulted on the loan. They were reaching out to me via cell phone number and I answered each time trying to come to an agreement with them that worked for both of us to get it paid off. They refused to agree to my terms ( {$50.00} biweekly ). On XX/XX/XXXX they proceeded to call my cell phone at XXXX to speak to me, which is against the FTC XXXX. I still called back and spoke with them at XXXX like nothing. On XX/XX/XXXX at XXXX, I spoke with a manager ( name I do not know ) who proceeded to tell me that if I didn't set an agreement then they would call my job to speak with HR ( why I do not know ). I reminded her that she will not call my job since I mentioned that several times already. She also tried to get me to admit that I was refusing to pay the loan and I explained I was not. On XX/XX/XXXX, my boss approached me and told me that that XXXX  at approximately XXXX, he received a call from these people asking for HR. Again, against the guidelines as I told them to not call my job repeatedly ( I was told they have it documented several times by different agents ) and it was XXXX which again goes against the FTC XXXX I then called the company back after that and admittingly went off on them as I got in trouble with my boss for this call. I got an " I apologize '' from the agent. This company needs to be held accountable.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to challenge the presence of a fraudulent account currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this account remains on my credit report. After contacting the creditor linked to this account, they acknowledged its fraudulent nature. Consequently, the account has been removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to substantiate my claim. 

XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

Firstly, I have reported this fraud and debt collection issue in a prior report on XX/XX/XXXX. The report number for CFPB is XXXX. 

This new complaint is being made because XXXX XXXX is attempting to collect this debt again. I received a new notice from I.C. System Inc. that was dated XX/XX/XXXX. The letter requested payment for {$2000.00} of which {$1600.00} is claimed as debt and {$420.00} is claimed as " You were charged this amount in fees. '' I have responded to the debt collection attempt by refuting this again for fraud. 

During my first report period ( last year around XXXX XXXX ), I followed every step and obtained a police report. I communicated with the debt collector ( XXXX XXXX ). I sent in the requested information which included the police report and a " XXXX XXXX ''. Ultimately this debt collector removed the listing from my credit report and I assumed this was over. 

However, XXXX XXXX is attempting to collect a debt that they should know to be false. I believe that XXXX XXXX is taking actions against me and my excellent credit profile to collect a debt that they know or should know is not mine.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IN)

I paid for some tickets and they happen to be fake tickets. I paid my bill in full as a good customer and they are telling me since I paid my bill in full they do not want to go after my money on the fake tickets.
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (TX)

I applied for this loan in XXXX of XXXX  -- I've paid more than the principal back at this point and they're charging 159 % interest on this. 

I was definitely uninformed when I first signed up for the loan, I thought because XXXX was recommending them to me that they were legitimate and there was no risk of predatory lending. Obviously not. They keep refinancing the loan ( which I've just learned is another sign of predatory lending ) and I've just learned they've been sued before for this sort of behavior. 

They refused to speak to me via email ( I wanted a paper trail ) so I had the XXXX contact them -- they maintain that because they're in XXXX  they can charge above usury rates for their loans. Everything about this seems fishy to me. I've asked them to negotiate down or let me out of the loan since I've more than paid the principle at this point.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (AL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

As of XX/XX/2023, PHEAA has sent a combined total of 4 pieces of mailed correspondence ( just to Borrower, cosigner is separate ). All 4 of these outline the same delinquency message for different loan sequences. PHEAA knowingly and willingly wastes paper by doing this, and in the process harasses me by sending this many pieces of mail. I have given them forewarning in the past about this. Going forward, if I receive additional pieces of correspondence outside of the allowable " 1 '', they will be sent back to PHEAA, unopened. All additional pieces of mail will have their container photographed and dated and given to the appropriate parties. PHEAA clearly does not understand that while they feel wasting paper is a necessity, I feel it is an unwanted burden even if borrowers do go past due. Their arguments never make sense either. Some past CFPB complaint responses have the responder claiming that if " I would just make the payment on time, I wouldn't receive any correspondence. '' Well that would make sense if I was only complaining about 1 piece of mail within a small period of time. Apparently, the people working there are bad listeners, un-educated, and ignorant to the actual issues brought forward. Making comments or statements that seemingly appear simple are all these individuals can come up with because the entire organization is based on laziness and negligence. Just ask New York and Massachusetts.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MI)

-Bill cycle XX/XX/XXXX - XX/XX/XXXX - {$0.00} balance at beginning of bill cycle -Purchase made XXXX : {$2300.00} XXXXNo other purchases made during bill cycle -Statement balance : {$2300.00} -Statement states that the " Standard Purchases '' " Balance Subject to Interest Rate '' was {$610.00} ( pg. 3 ) -Statement states that "... you can avoid paying interest on your Purchases ( excluding Easy Pay ) by paying {$2300.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). '' ( pg. 5 ) -At no point in the " Important Information '' section of the bill does it disclose that this is the average daily balance of the card.

Description of problem : I called Barclay regarding my Carnival credit card on XX/XX/XXXX as I was uncertain whether the purchase I made was subject to interest if not paid in full or if I had a deferred interest offer as it was a purchase made through a subsidiary of Carnival, but not directly through Carnival. The bill provided seemingly conflicting information as broken out in the bullet points above and I did not understand why only part of a single purchase was subject to interest. The original representative was unable to answer my question and provided conflicting information that I had a special promotion that made only part of the balance subject to interest but also telling me that I needed to pay in full to avoid interest ( approx. XXXX min ). After escalating to a supervisor, I was on the phone with them for XXXX min before they were finally able to provide the answer that this was the average daily balance during the prior bill cycle. In all, the call totaled XXXX minutes to find an answer that should have been disclosed in the statement. If it took their trained representatives that long to be able to figure out why the bill displayed this information, I'm not sure how I, as a consumer, am supposed to be able to understand my bill.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

This grumbling to COLUMBIA DEBT RECOVERY was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

After facing several rejections for apartment applications and credit cards, the reason was unclear until a review of my credit report revealed incorrect reporting by Discover Bank, account number : XXXX. This error has not only caused significant distress for my family and me but also resulted in credit denials. Despite our diligent efforts, this misreporting has had a detrimental impact on our lives. 

( WE HAVE ATTACHED PROOF OF INNACURATE REPORTING OF ALL THREE CREDIT BUREAUS ) XXXX reporting never late. 
XXXX reporting 30 days late XXXX reporting 30 days late the Fair Credit Reporting Act ( FCRA ) that pertains to accurate reporting is Section 607. This section outlines the responsibilities of credit reporting agencies ( CRAs ) to ensure the accuracy and completeness of consumer information in their reports. It includes provisions related to dispute resolution, reinvestigation of disputed items, and the removal of outdated or erroneous information.