davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P. (AL)

Hi, I have an account with Lendly. Ive been in consistent contact with different agents. The earlier part of XX/XX/2023, which was my last payment, I was told by your agents that Lendly made big changes such the number of days accounts would default, instead of an account defaulting at 65? days, it would 90 days.

I was further advised that my account had not quite approached 65 days. I remitted a payment via phone with agent and was told that my account was back in good standing. 

On XX/XX/2023, I contacted Lendly again to make another payment. At that time, I was advised that my loan had defaulted and sent to a third party collector. I advised the agent that that was not the information I received earlier this month. 

I was placed on extenddd hold with both agents as to research the matter. They were unable to determine the status of my account, so they promised me that a supervisor would look into the matter. It has been 2 days since hearing from anyone regarding my account. 

I wish to at least pay half of my debt and since having XXXXXXXX XXXX XXXX XXXX XXXX, I managed to prevent the account from defaulting l, but disappointed by the inaccurate information provided by your agents as it relates to payments, supposedly changes in default terms etc. 

Can someone please contact me to inform me of my account status as I would like to pay at least half of my remaining loan amount. 

My work schedule is XXXX XXXX XXXX. ( XXXX ), Im available XXXXXXXX XXXX XXXX XXXX. Contact number is XXXX. 

Sent from my XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-04-17
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

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 Dear Sir/Madam, I am writing this letter of acceptance to bring to your attention an issue that I have been noticing with my monthly statements from Discover for account XXXX. Since the beginning of my Credit Card agreement, I have been receiving a monthly statement along with a coupon for payment. I have taken the time to research the definition of a statement, bond, instrument, and coupon in order to better understand the nature of these documents. According to XXXX XXXX XXXX, a statement is a written or printed account of something, whereas according to XXXX XXXX XXXX, a bond is a promise or written obligation to pay a sum of money. Similarly, a coupon is a detachable portion of a bond or other certificate that can be redeemed for payment. 
I have come to notice that by accepting both the coupon and a physical payment, Discover is engaging in double dipping. This appears to be a form of Trust fraud, as you are not only receiving payment against my trust, but also accepting a check separately. However, I am willing to overlook this issue under the condition that my accounts be reopened with updated credit lines. 

I have sent numerous coupons in the past, all of which have not been returned to me. This is seen as your automatic acceptance of the coupons, as I have kept a record of all the coupons that I have submitted, in which all of the coupons were endorsed with my beneficiary signature. According to the Rule of common law contract, these coupons are redeemable and should be used to settle my debt. As these coupons were sent via certified mail, Discover has contractually agreed, through the postal rule, to accept them.

I kindly request that you look into this matter and ensure that my accounts are reopened with updated credit lines. I trust that you will address this issue promptly and appropriately.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX  Beneficiary
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit Reporting act XXXX XXXX  and Capital One/Walmart , has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose. 

Dates XXXX XXXX Credit card : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One/Walmart : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2020
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. 

This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.
Consumer complaint received 2024-04-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (MI)

I signed a XXXX XXXX  agreement that detailed an obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX fees which include XXXX XXXX XXXX XXXX 
the agreement spells out that if they are not paid by the due date, I will be responsible for interest rates of 1.5 % interest and 5 % late fee. 

The company is XXXX XXXX XXXX time share. I had a dispute on the XXXX fees as they deprived me rights during COVID and made no provision to accommodate my lost time for which I paid for, however they collected millions in XXXX funds and made no concession to people like me, the real " owners '' who pre-paid for our time, they profited twice. none the less I dispute the fees and they turned it over to Pinnacle recovery , inc, a collection agency. this agency is charging me 40 % collection fees on top of the already applied 5 % penalty in the contract. This violates Federal and State Usury rates as well as fair debt collection. laws because I did not agree to a higher rate other than outlined above. Further, XXXX XXXX REFUSED and locked me out of online payment to pay my XXXX XXXX  timely stating that because I owed for XXXX, I had to pay penalty fees and collection fees to pinnacle. 
this violated my right to pay what I owed on time, but they refused it. 
I have paid the amount owed, how ever they still shut me off because they say I owe the 40 % collection fee to Pinnacle.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (PA)

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2023-06-17
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 : # XXXXXXXX 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 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 2024-03-29
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. (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (VA)

11 months ago ( XX/XX/2022 ) I opened a " Wells Fargo XXXX XXXX XXXX '' with Wells Fargo, specifically to take advantage of a promotional offer that was advertised with 0 % interest on transferred debts for one year. Based on this promotion, I transferred my existing {$10000.00} debt to this new credit card. However, I recently discovered that instead of the promised 0 % interest rate, I have been charged OVER 20 % interest for the past year. 

I contacted Wells Fargo 's customer service department to resolve the issue and was informed that I did not qualify for the 0 % interest rate promotion. However, the reasons for my ineligibility were not clearly explained to me, and I was told nothing could be done. 

The extra interest charges I've incurred due to this misunderstanding have placed a financial burden on me. I believe there has been a lack of transparency and total miscommunication by Wells Fargo.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, 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. (CT)

This is my third CFPB complaint to Equifax to resolve my issue of a split file. I have contacted them on numerous occasions and made three complaints here that were all answered incorrectly by the company. My file has been split into several occasions affecting my credit score and file. If this is not resolved immediately I will be taking legal action against Equifax.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Option Funding, Inc. (CA)

I was working with a Loan officer by the name of XXXX XXXX with Option Funding. I had been working with her for several months. She was trying to be the real estate agent and the loan officer. She told me to send her homes I was interested in seeing. I sent this lady so many homes and I never saw any. I went out an got a real estate agent to show me homes and this lady would show me 4 house in a day, at least 10 a week. I found a home I loved and XXXX sent me notice on XX/XX/2020 I had full loan approval, well with all this Covid she did not secure the loan and the company placed overlays which made me didn't qualify no more dur to the DTI changes. A week before my closing date I received a email with prices and saying my closing cost was 13+ thousand to close. I had already placed {$5000.00} in escrow do i'm think I only had to bring in the rest of my 3.5 percent since my closing cost was covered by the seller. When I called she said I now had to buy down the rate in order to get the rate I wanted. She never once mention about impound accounts til a week before my closing and we talk almost every day. I felt like for me to be a 1st time home buyer she failed at disclosing all information upfront. When you ask her questions she gets dance around what you asking. Her tone would change. I called XXXX is suppose to be a supervisor and cried and explained how this experience for a 1st time home buyer had me feeling. He did nothing but say he worked with her for 30 years and hasn't had a complaint. This woman never apologized even after I told her how she was being rude all she did was say " I was getting frustrated '' She could've easy made this better by owning up to her part, apologizing for being rude. I had my real estate age on three way and XXXX knew it because I thought I was going crazy not understanding what she was doing but my agent felt confused also. You ask her questions and she picks and chooses what to respond to. Horrible