davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

I told them that I had just had a XXXX  and that I needed a week to pay what I owe to stop them from coming to get the car I gave them XXXX until the next week and they still came to get it. My wife wasnt working and I told them that I need more time after the XXXX dollar payment to them they came and took my car
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has been retaliating against me since Ive made a complaint with CFPB. They are now reporting all my payments late when Im currently enrolled into their relief program due to a death and job lost they have harassed me and has been causing a huge amount of stress in my life. They harassed me when I told them I was out of work and was dealing with a death these people are evil and are going against the law. My payments are in AUTOPAY. ALL OF MY PAYMENTS ARE ON TIME In accordance with the Fair Credit Reporting Act American Express account ending in XXXX has violated my rights. 15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presung that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
Consumer complaint received 2017-08-09
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: On-Site Manager, Inc. (NV)

When my credit report was pulled by XXXX XXXX XXXX in XXXX Nevada and some criminal acts and felonies came up under my name, but they are not mine. I have enclosed a copy of my current drivers license as requested by XXXX, which I spoke with today. This should help clear up the confusion and clear my credit report of this fraud and identity theft.
Consumer complaint received 2023-10-16
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Last Summer, I lost my job and fell behind on my mortgage. 

In XX/XX/XXXX, I received a Notice of Intent to Foreclose from my lender, Carrington Mortgage. I immediately applied for mortgage assistance through the state of North Carolina. While I was under review, Carrington Mortgage reported me late twice - reporting a borrower as late while under active review is not legal. 

In XX/XX/XXXX, my wife was served Foreclosure papers and cried when a police officer taped a notice to our home in front of several neighbors walking by. My wife was in shock and became distraught at being served by a police officer while under consideration for mortgage assistance. 

I was out of town for a family emergency, but I called the contact with whom I had been discussing our mortgage relief. I was told Carrington Mortgage should not have taken action on the foreclosure proceedings. The following day, Carrington Mortgage placed us in a COVID forbearance plan but did not so much as apologize for the mistake. 

By XXXX, we had received mortgage relief covering the full back amount owed. I called the mortgage lender 's attorney and asked for them to halt the proceedings. A day later, we were advised the proceedings were indeed legally halted. 

Throughout Summer, we were bombarded with letters of offers to buy our home in cash and were harassed by drive-bys and knocks at our door by creepy strangers interested in our home. This did not go unnoticed by nosy neighbors, the worst of whom spread rumors about our imminent foreclosure. 

My wife called the attorney and explained the issue and was advised they could do nothing about third-party reports due to the initial foreclosure filing at the courthouse. 

Last month, my wife called the courthouse clerk. She discovered our foreclosure status still held - our property was still reflecting a pre-foreclosure status XXXX months after being told it was legally halted. 

From illegally serving my wife foreclosure papers to the complete disregard for legally stopping the wrongful foreclosure in XX/XX/XXXX, the aggressive and reckless behavior of Carrington Mortgage has caused my family a great deal of pain, suffering, and XXXX. 

Nasty neighborhood gossips have had a field day in speculating on our mortgage status. My wife is still terribly shaken by her interaction with a police officer before an audience of nosy and judgemental soccer moms. Carrington Mortgage trampled our rights and terribly disrupted our peace, and I expect the lender to be held accountable for each illegal action. 

I reached out and asked Carrington Mortgage to settle with us for carrying out a wrongful foreclosure, but I have yet to hear anything from the lender or their legal team. Therefore, any assistance you can offer will be greatly appreciated.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( Transunion, XXXX, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXX XXXX  ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, TransUnion as PAID, and XXXX as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.
Consumer complaint received 2023-10-16
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP (NY)

On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.
Consumer complaint received 2023-10-16
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 ......
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

Chase sent promotional checks of 0.00 % interest for 1 year and I used one in XX/XX/ for {$1100.00}. I also have on this Chase credit card 'My Chase Plan ' balances that I set up months ago that if I pay a portion each month I avoid interest charges ( but I do pay a monthly fee that was less ). I recently received my bill and to avoid interest I must pay the promotional check balance of {$1100.00} in 30 days because I have an active My Chase Plan. I reviewed the paperwork of the offer with Chase customer service that states " Prior to taking advantage of this offer, if you did not have a balance or if you paid your balance in full each month, you did not pay interest on your new purchases. This is referred to as an interest-fee period ( also called a grace period ). If you take this offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ) you will lose that interest-free period. This means that you will begin paying interest on all new purchases even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' The agent at Chase stated that since I had an ongoing 'My Chase Plan ' active on my balance I was ineligible for this promotional offer because I do not pay my balance in full each month ( disregarding the My Chase Plan ). I disagree because I do pay my balance each month according to the My Chase Plan, and no where does it state that if you have an active My Chase Plan that the promotional checks do not apply. The language in their offer does not specifically state this and it is misleading. It should state that if you have an active My Chase Plan than this offer would not apply. The Chase agent noted my disagreement but did nothing to correct the problem.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/XXXX XXXX  late, after the account was XXXX XXXX  out in balance in XXXX XXXX. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/, while the account had been XXXX XXXX  out in XXXX and no payment was due in XXXX XXXX XXXX 

The company responds slowly, continues to make false changes to my credit report.
Consumer complaint received 2020-07-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP (AK)

XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX XXXX [ XXXX  XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. 
We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/2020 I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/2020 letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. 
Approximately XX/XX/2020 I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX  as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX I signed. Copy of the application I received from XXXX XXXX XXXX is not copy of my application I submitted to XXXX XXXX. On XX/XX/2020 second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. 
Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. 
On XX/XX/2020 letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXX XXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. 
XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXX I received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On or around XX/XX/XXXX, someone hacked my Chase checking account information and deposited a number of checks made out from XXXX XXXX to me. These were fraudulent checks not endorsed by me. In fact several of them were endorsed by a completely different name. 

Then on or around XX/XX/XXXX someone disputed a number of payments to vendors and merchants that I had previously sent. Chase approved these payments and then reversed the payments and returned the money to my account. Then the hacker withdrew these funds and all the bogus checks bounced and my account was severely overdrawn and now the bank refused to pay the reversals back, sending me a letter stating that I had initiated the reversals. This is not true. I asked them to go listed the recorded line and they refused. It was not me at all. They also stated that they don't review the endorsements on the back of the checks. I am out over {$3500.00} because their fraud organization refused to help me. They stated that they had cleared the complaint.
Consumer complaint received 2023-10-16
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. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.