davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC (CA)

An initial assumption package was submitted by new buyers to the assumption department of United Wholesale mortgage via email on XX/XX/. I'm currently the owner with my partner and we feel we are being spoken to and no progression has been made. 

after the initial contact and confirmation that the package was received on XX/XX/XXXX  there has been no additional communication from UWM in regards to the next steps in the process. There have been no request for income documentation or anything for that matter. it has been 70 days with no further action seems very excessive. 

when i call in the response is always the same. it has been received and it can time to review. I sent in a email for the department to escalate on Thursday, XX/XX/XXXX and when i called in the next day i was told i would take 72hrs for a response from a manager. I called yesterday and the representative stated a manager was on a call and she would call me back that day, never called me. I called back today and said i wanted a manager and she said they are busy. i advised i never got a call back yesterday and i wasn't getting off the call until i get some answers and a manager and she said i can't wait on the ling and hung up. This is ridiculous and horrible to go through.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (NJ)

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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 2023-11-04
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. (MI)

hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  ending in XXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/ and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CA)

I paid off my loan with them on XXXX XXXX XXXX  They are supposed to release funds back into my account in the amount of {$240.00} as of XXXX XXXX XXXX It has been a month and a half and I still have not received my money. I have called them multiple times to try and get this resolved so that I can get my money back now that my loan with them has been paid off, which was held in sort of like a savings account. Every time I call I have gotten the same response that they will look into this and get back to me within 3-5 business days. No one is calling me back. I am the one who is calling them pretty much once a week. There is still no resolution
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I called Chase to arrange a payment plan to pay off my balance. 

They told me late fees and interest fees will continue to be added each month making my payment over {$400.00} which I can not afford. 

They said There is nothing they can do about that I can afford to pay them {$150.00} / month but they were not interested.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Accounts, LLC (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Consumer complaint received 2017-05-02
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (AK)

I paid for a used  XXXX     XXXX   XXXX    and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically.     I purchased the car on  XXXX   XXXX ,  XXXX . It is now  XXXX   XXXX ,  XXXX  and my car has not been fixed and all correspondence has ended between  XXXX   XXXX  ( the employee who sold me the car ) and myself.     I have email correspondence with  XXXX   XXXX  ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his  manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car.     Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after   XXXX   XXXX   XXXX   with the all legal powers you have. They are no longer responding to my emails or phone calls.     Thank you.
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Special Financing Company, LLC (CA)

I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXSpecial Financing CoXXXX XXXX XXXXXXXX XXXX  for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from XXXX XXXX XXXX XXXX on XX/XX/2024. I was charged {$270.00} again XX/XX/2024 and on XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment loan that does not exist. I am seeking a refund of {$820.00} reflecting all monies paid to date and would like removal of adverse remarks and inquiries on my credit file.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I Recently went to apply for my first home. My agent suggested me to download XXXX, from there i noticed an extreme amount to hard inquiries that i did authorize, and that i had damage to my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. This is a defamation to my Character.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; EQUIFAX : XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX  XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has 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
Consumer complaint received 2023-11-16
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: PENNYMAC LOAN SERVICES, LLC. (LA)

I have a third party authorized with the lender that is helping me complete the paperwork and help with the foreclosure. The third party called in requesting information about the mortgage and the customer service rep stated that I called in and limited the third party 's access to the information provided. I never called them since my third party was authorized and they did not allow him to get any loan information. The lender lied saying that I called in limiting my third party 's access to information. I also requested my third party to call them to see what options we have to delay the auction so that we can gather the funds to pay them back. The lender did not provide any options and stated that the auction can not be delayed even if we are attempting to make things current with them.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, professional debt me account # XXXX, XXXX XXXX and account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX I was given 3 credits for an Overdraft line of credit that had equal XXXX. The amount of XXXX credit was given and then XXXX was debited leaving XXXX credited for an line of credit on my checking account. I repeatedly had gotten collection letters from Citizens Bank. I was so fed up I decided to pay them on this closed account XX/XX/XXXX thru the XX/XX/XXXX. The company even accepted responsibility and found their mistake. I just keep getting transferred over and over again explaing over and over again with no resolution. I have paid XXXX on an already credited account. They meaning Citizen Bank, have reported on my credit reports that I had not paid them at all on a credited account. The mistake was admitted by a XXXX at Citizens bank. I have yet to have this resolved and they just keep brushing this off on different Depts. Explaining over and over again with no resolution. They are trying to charge me a 3rd time something already paid for. Credited in the amount of XXXX paid in the amount of XXXX and now wanting me to pay again for it
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a credit card with Target. Every month they do not report the correct balance. I have paid the account off, but they keep reporting the previous balance XXXX. I have contacted credit bureaus so they can get new balance updates, but Target continues to give them a past statement balance. The credit bureaus ask for the current balance, yet Target continues to give them a past statement balance.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I wrote already a letter to Equifax and XXXX regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. The incorrect addresses that they are reporting are as follows : For XXXX they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
For Equifax they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Lastly, for XXXX they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Aldous & Associates, P.L.L.C. 

XXXX XXXX XXXX XXXX, UT XXXX Reference File # XXXX RE : CEASE AND DESIST To whom it may concern Aldous & Associates , P.L.L.C. is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is evidence of the use of abusive and unfair debt collection practices by many debt collectors including Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is taking action on invading my personal privacy trying to harm my reputation of credit by furnishing such alleged debt to consumer reporting agencies. 
Upon receiving this notice. I demand you to CEASE AND DESIST further communication regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ).

Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is confirmed an debt collector who failed to comply with the Fair Debt Collection Practice ( 15 USC 1692 ) may be held not only civilly but criminally liable for any damage sustained in your attempt to extort me if you violate the CEASE AND DESIST.

I DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE USA THAT FOREGOING IS TRUE AND CORRECT ( 28 U.S.C 1746 ) Thank you XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (IN)

Although this matter has been handled on my part, because the account is still reporting, I am within my consumer rights to ask for the contract and all details in the reporting of the VIN # /Account number. And this information, by law is to be submitted to me not later than 15 days. Do not hesitate to include a full accrual account as well.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (NC)

I ended my contract with XXXX XXXX, and was waiting for my final bill for several months. I had contacted them by phone a couple of times asking for it and never received it. It then went to collections, and any further attempts to contact XXXX by phone, I was referred to the collection agency. 

I contacted the collection agency multiple times, and every time I would receive the automated message that there were no representatives available to take my call, and to leave a message after the tone. But then I received the message that the mailbox was full, so I was never able to leave a message. 

The collection agency finally contacted me, and I expressed that I had never received a final bill, and I believed the amount they were giving me was incorrect. They sent me a copy of the final bill, which is incorrect, but again I am not able to get ahold of anyone at XXXX or the collection agency to dispute it. 

In the meantime, this incorrect bill being reported on my credit report has caused my score to drop significantly, and this is unacceptable. They do not give me anyway to dispute the charge, and I just have to deal with the negative affects. This is not right.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Discover Bank - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

XXXXXXXX XXXX - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX  and this is still a standing issue that needs to be resolved. 

National Credit Adjust - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023XX/XX/2023