davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

XX/XX/2023, 18 days after arriving in Arizona, I chose to trust Drive Now auto dealership and Auto Now Financial financing company in regard to purchasing a vehicle. I chose a XXXX XXXX XXXX. This vehicle was in my possession for every bit of 66 days. This vehicle continued to give me issues, from day one, and even after their service department stated the problems were fixed. I took it back to the dealer on XX/XX/2023 because I smelled oil burning. On XX/XX/2023 I was informed to take the vehicle into their service department, the vehicle could not get in until the XXXX and was kept until the XX/XX/XXXX. Nothing changed it got worse. I even paid for services to the vehicle, and it continued not to conform to my standards nor my needs. I voluntarily returned the vehicle, which they came to retrieve on XX/XX/2023, after two weeks of sitting in the parking lot of my home. I have spoken back and forth with them on multiple occasions still no solid or major resolve has been given. They are now stating and considering the voluntary return of the vehicle as a repossession. To top it off these companies are in violation of the Truth in Lending Act and other state and federal laws. ( A.R.S 44-1522, A.R.S 13-2202, A.R.S 47-2612, A.R.S 44-6002, A.R.S 44-286, A.R.S 44-289, 15 U.S.C 1605. 
Replying with " You signed the contract so You're responsible ''. 
True I did sign the contract, yet the terms were vaguely and quickly explained to me, I got rushed through the signing process, not being able to fully read and understand what was being presented to me. When I did get the time to fully read and better understand the terms, I realized there were many contradicting and unlawful practices intertwined within the contract. 
I submitted a XXXX  report complaint on them as well.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

My PayPal account was hacked. I contacted PayPal immediately. Their online dispute tool said no fraud occurred. I had to call them to dispute. I filed a fraud dispute over the phone. They said I should hear something in 21 days. It has been over 21 days and I have not been updated by PayPal nor have they recovered my money even though I called them within minutes.
Consumer complaint received 2021-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

I have been a customer of Quicken Loans for 20 years. I have never made a late payment. I used XXXX to attempt to purchase my new home. I sold my home in early XX/XX/XXXX and XXXX was paid off for their prior mortgage. 

From the beginning I agreed to make a 20 % downpayment on a purchase for {$160000.00}. Today 5 hours before my Second scheduled closing the downpayment somehow increased from {$32000.00} to {$34000.00}. This was never agreed upon nor discussed. 

When I bring this to their attention no one calls me. One of their bankers wrote that he was in a meeting but when he checked the numbers he could change the downpayment back to {$32000.00} but now we can not close. 

I have had my family in a hotel for a week which cost over {$1300.00}, I have storage costs so far of {$220.00} I have already paid movers {$4200.00} and now will have to hire movers again. 

This {$2000.00} dollar change the day of closing is unfair and deceptive. Please investigate. 

I couldnt do the math to make it add up. Please see the loan amount, and the downpayment the numbers do not add up : Review Your Final Numbers Here are your final numbers for closing. Please review them and let us know if they look right to you. 
Loan Program FHA - 30 yr Fixed Interest Rate 2.250 % Monthly Payment {$1000.00} Loan Amount {$120000.00} Purchase Price {$160000.00} Down Payment {$34000.00} Deposits {$1000.00} Credits {$3000.00} Total Due At Closing {$36000.00} Your name ( s ) on the title will appear as : XXXX XXXX, a married man and XXXX XXXX XXXX, his wife
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2021-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I would like to file yet another complaint against my mortgage servicer by the name of PENNYMAC. This is a very despicable company and I believe they are deliberately and wanton willfully refusing to remove unsubstantiated late payment in which I was on a forbearance plan during the time of the late payment reporting. I spoke with some person name " XXXX '' not sure if that is his real name because he is a LIAR. He has given me false expectation and I truly believe he didn't even look into my situation wherein I was on a forbearance plan during XXXX and XXXX and modification during XXXX when I was placed on notice to deploy for active duty. This company is deliberately causing duress and economical and familial harm to me and my family as they are being allowed to place derogatory information wherein I have multiple documents to show I was on a forbearance plan and my mortgage should have NEVER been reported derogatory. It appears this company has a deliberate and illegal way of dealing with their customers as while deployed they NEVER paid my property taxes and when they did I had to contact the CFPB in order for them to do it and they put the balance paid on my taxes wherein they were in TOTAL violation of RESPA when they finally paid they put the amount they paid as a PAST DUE AMOUNT on MY CREDIT REPORT AS IF I WAS $ XXXX due and WILL NOT REMOVE IT AS THIS WAS NOT MY FAULT IT WAS THEIRS..PLEASE HELP ME AS MY PLEAS ARE FALLIN GON DEAF EARS WITH THIS COMPANY AND I HAVE NO OTHER CHOICE BUT TO LITIGATE THIS COMPANY FOR FRAUD, WILLFUL VIOLATE OF RESPA, FCRA , SCRA ad many other federal laws I am sure., I don't want anyone from their company contacting me as the guy " XXXX '' is a liar who set false expectations and deliberately look for ways to refuse to CORRECT MY CREDIT REPORT WHEN THEY ARE WRONG! My ATTORNEY HAS SENT LETTERS AND THEY REFUSED TO RESPOND TO LEGAL COUNSEL AS WELL. THIS IS THE ONLY NEGATIVELY REPORYTING CREDIT and they are willful and wanton to cause me financial harm especially during a pandemic and as returning home XXXX from XXXX.
Consumer complaint received 2023-08-23
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 (IL)

This is my formal complaint to CAPITAL ONE LLC for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-08-23
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. (NV)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express credit card that I had since XX/XX/XXXX offered a pay-over-time option at an interest rate of 16.99 %. After I had a significant balance on the pay-over-time in XX/XX/XXXX I made a late payment on my account by one day. They increased the APR on the pay-over-time to 29.99 %. My card-member agreement states that they are allowed to do that for 6 months and the APR should go back to the regular APR if I make timely payments for 6 months. However, they have been charging me the penalty APR for more than 2 years until I called in XX/XX/XXXX. The day that I called, I logged into my account and it clearly said " Current APR 16.99 % '' on the Pay Over Time page, however based on the calculation of the interest amount they were charging me, I realized they were using the penalty APR of 29.99 %. I called right away and the person apologized and changed the APR to 16.99 % and said she was surprised that the penalty APR was applied for over two years. She wrote up the case to get a revision on the interest charges I had paid. However, it has now been more than two months and despite me calling four more times, I have gotten nothing except a refund of two late fees for payments that were not made late, but were charged to me. However, no refund on the interest overpayment. They keep asking me to give them a chance to resolve this, however there has been no resolution. Thank you for anything you can do to assist the resolution.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (OH)

I was charged {$1700.00} on my Fidelity Visa card from Elan Financial for an install of carpet on XXXX. When they installed the carpet, my home was damaged. I disputed this with my credit card company. I resolved this myself with XXXX XXXX. They were going to credit me the {$1700.00} and charge me {$1400.00} the price I agreed to pay. When I notified my credit card company and told them I worked it out they just added back the {$1700.00} and charged me the {$1400.00} also. When I called them they told me just wait for the credit. It never came. I paid the new account charge ( that was correct ) and every other charge I made. I called and called they would not dispute the {$1700.00} again, they told me XXXX was lying to me. I should not be liable for a duplicate charge. I have the copy of on XXXX of the form XXXX sent to XXXX payments attn : chargeback department accepting liability for the {$1700.00}. XXXX never received XXXX payments, I never received a credit. They have now sent this plus rediculous fees and late charges to collections! In XXXX of last year I drove to XXXX XXXX and did a three way call with my Visa customer service, the bookkeeper at XXXX and XXXX XXXX XXXX processor. They could not explain why XXXX did not receive payment or why I did not get the credit.
Consumer complaint received 2023-11-12
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. (FL)

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

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
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: EQUIFAX, INC. (NJ)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. A CERTIFIED LEGAL LETTER HAS BEEN SENT TO YOU.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ONLINE Information Services, Inc. (CA)

Online Information Services Inc XXXX XXXX  XXXX XXXX NC XXXX Business failed to respond to collection letters required by law. They will not remove accounts from the credit agencies. I checked my credit report and found this organization placed a collection account on my report. I contacted the organization on XX/XX/XXXX regarding this issue and asked the send me their initial letter to collect a debt. I found the information they provided to be incorrect. On XX/XX/XXXX I sent a certified letter of dispute asking verification of debt. This letter was sent with a signed receipt. After 30 days past, there was no response from this organization. They are required to provide verification of debt within 5 days and a response with 30 days according to Fair Debt Collection Practices Act ( FDCAP ) as outlined in 15 U.S.C. 1692 (  outlined in my letter I sent them ). Because no response was received, I sent another certified letter with delivery receipt on XX/XX/XXXX demanding the remove the information from my credit report and consider this matter closed. In this communication I also provided a copy of the original letter sent. There has been no contact from this organization and they fail to respond to my written contact per the FDCAP. They also have not removed the account from my credit report. I am seeking resolution here before I file in small claims court.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/XXXX my checking account was suspended from withdrawals with money in it. It said to cal them to solve it. Ive called about 15 times and they never answer. They say to leave a voicemail and they will get back to me within 48 business hours still nothing. The email they sent me said theyll mail a check within 7-10 business days been way longer than that and no check.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

Someone opened a account in my name> I notified the company that i have never had a account with them. I was also protected through Covid protection with my real creditorsas they would have also had to follow the Covid guidelines & nothing was to be reported to my credit. But this company reported ( 5 ) accounts that are not even mine. I have never received any letters or call. I don't have a contract with Affirm or any accounts.
Consumer complaint received 2017-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

To Whom It May Concern : This is in reference to your letter dated   XXXX   XXXX  , 2017 regarding an alleged shortage or deficiency in the escrow account related to your mortgage.
Please be advised that we do not have an escrow account with Select Portfolio Servicing ( SPS ) or any account for which we have any contracted responsibility with SPS.
This letter also disputes and denies that SPS is the mortgage servicer for any account related to our mortgage. SPS is a known sub-servicer / vendor acting on its own and for its own benefit and profit.
This letter further disputes and denies that the account number referenced has any relevance or relationship to any mortgage legally authorized by the parties named in your correspondence.
This letter also disputes and denies that the parties named in your correspondence are any parties who authorized any documents or actions in which SPS attempts to enforce in any manner.
Yours truly,   XXXX   XXXX   Encl : Copy of letter from SPS
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my XXXX report to be closed.
Consumer complaint received 2023-02-16
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-08-23
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. (DE)

XXXX Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

This collection just hit my credit and IT IS NOT MINE! NOR was I ever informed or even had the chance to dispute and receive validation from this company. This is again NOT mine. Please help, they should have contacted me and I would advised them this is NOT mine please help
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (MI)

I received a letter in the mail saying that I owe for XXXX XXXX XXXX XXXX from XX/XX/2023 which I do not collection agency is lock hart Morris & Montgo