davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

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 Chase Bank Card Member Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, XXXX XXXX XXXX XXXX  I purchased the use engine for {$2200.00} at XXXX from XXXX XXXX XXXX. On XX/XX/2023 I called and talked with XXXX ( cancellation department ) to ask about cancellation and charged. XXXX told me that it should not be charged since I just submitted the order. I listened to XXXX XXXX to cancel but It was not what she told me. XXXX XXXX XXXX was charged for restocking fee {$550.00}. 
XXXX XXXX  XXXX was lying. They did not have engine in stock, they failed to ship to customer in a week, they failed to guarantee the engine was XXXX mileages, they did not have engine for restocking fees, extremely very bad customer service. 

XXXX XXXX XXXX SUMMARY DATE & TIME OF ORDER : Ordered completed at about XXXX on XX/XX/2023 DATE OF CANCELED : Canceled completed at about XXXX on XX/XX/2023 CONVERSATIONS WITH REPRESENTATIVE PEOPLE Talked to XXXX XXXX customer representative on XXXX  regard to cancellation and refunds. XXXX informed that it will be full refund since order just submitted Talked to XXXX XXXX sale representative engine was in stock and ready to ship. Promise that customer will receive in one week. After order, was told that customer will receive engine in 3-4 weeks. 
Before ordered, customer was told engine was only XXXX miles but after ordered customer was told it was not guaranteed that engine was XXXX miles
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX  I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made onXX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Consumer complaint received 2023-09-13
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : DISCOVERBANK XXXX
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/2018. 
We have asked for and received help from you in the past and regrettably we desperately need help again. Our mortgage servicer, Mr. Cooper, formally Nationstar, although changed their name, is still up to their old tricks. We were hoping when the name changed they might change the way they do business but they continue to be a wolf in sheeps clothing. 
Our last sale date was on XX/XX/2018 and thanks to your intervention, they postponed it, again. I emailed them yet another RMA package and after following up several times, of course they didnt receive it. I sent a hard copy via Registered Mail. Since they couldnt deny they received that one, they said it would be uploaded in to their system and a loss mitigation specialist would get back to me. I continued to follow-up every 3 or 4 days and after almost 3 weeks they stated it was in their system but now it was too late to get an Underwriter to process the RMA.> Are you kidding me? The same old b.s. and runaround thats been going on for a very long time now. I do everything that is asked from them but their incompetence and seemingly egregious behavior of not wanting to help us by means of a simple loan modification. I know Nationstar received bailout money during the collapse of the mortgage industry and is required by federal law to help people that need help as long as they have enough income to support their house payment, which we can. 
We have send and resent RMA packages time after time only to be horsed around by being told they didnt receive ; new account managers, incomplete applications, etc. ; the XXXX  never ends.

I know you folks cant force their hand but maybe if somehow our RMA could get out of the Loss Mitigation Dept. and into the hands of someone in the Corporate Office and finally facilitate a loan modification that we need so badly so we dont lose the home that we love. 
We would be devastated if we lost this place and would have nowhere to go if that happened. 
Please help us postpone the sale date of XX/XX/2018. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (FL)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BRIDGECREST XXXX
Consumer complaint received 2023-03-15
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-13
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/ any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items /items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$770.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.
Consumer complaint received 2022-12-09
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A section 2 : 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 card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO)

Purchased a vehicle on XX/XX/year>. 
Two weeks later had a tire blow out, found that the car never truly passed inspection but was sold with passing inspection sticker and passing inspection slip. The car has been looked at by Highway patrol for the state of Missouri, and one of their authorized XXXX  dealers. The car does not pass. The car has progressively gotten worse over the course of 3.5 months to no avail from the company. The company has only two offers give it back and be released from the loan with no refund or they will now do repairs that should have taken place before sale. If this isnt unfair pressures consumer business tactics I dont know what is. The issue with returning the car is I want my money back for the vehicle and there have been several complaints of other consumer losing hundreds of points on their credit even though car hop states that they will release from loan.
Consumer complaint received 2023-09-13
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. (IL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  ( Original Creditor ) XXXX XXXXXXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TOP FLITE FINANCIAL INC (MO)

I was a victim of predatory lending. I applied for a refinance of my primary residence to take some cash out to do some needed repairs and updates. I am on Social Security with a monthly income of {$1900.00}. My home appraised for {$260000.00}. I wanted as much cash out that I could get and still qualify. After all said and done my loan was approved for {$110000.00}. My existing balance was {$75000.00}. I was looking at close to {$40000.00} cash out. At signing, I received less than {$20000.00} due to high lender fees and the payment was {$1200.00} per month. This payment ratio was 62 % but the loan was still approved. The loan is for an FHA loan that has a payment ratio requirement of less than 43 %. I had poor credit and no cash reserves. I was desperate to get some needed repairs so I closed. This was in XXXX and the servicing has already transfered 3 times. I have no idea how the loan got approved and am now at risk of losing my home and {$140000.00} in equity because I can not afford a {$1200.00} payment. Also, the loan did not close in a timely manner due to the loan officer and processor dragging their feet. They " missed '' my rate lock date and changed a higher rate and increased their fees. Anything needed or requested by the lender of me was provided in a timely manner.
Consumer complaint received 2023-09-13
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. (TN)

I regret to notify you that it truly concerns me that you chose not to solve my identity theft issue on the basis of a purported factual error or misrepresentation. What qualifications give you the right to decide on important facts? You are neither a judge nor a member of a jury, nor do you have any such authority. When presented with an FTC identity theft report submitted through a law enforcement agency ( in this case, the FTC itself ), compliance with the law is required, according the Federal Trade Commission 's ( FTC ) standards. The following account is NOT MINE : DPT EDXXXX XXXX. I'm giving you one more chance to handle my request regarding the identity theft event. If you do not comply, I will be forced to seek legal action in a courtroom environment, where you will be held accountable for the harm done to my reputation, and my credit, and the emotional distress I have had as a result of this situation. It is very likely that the real material facts will come to light and that you will be made to answer for your carelessness
Consumer complaint received 2023-09-13
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. (OH)

n 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 Account Number : XXXX has violated my rights. Or 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 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (GA)

US Auto Sales was a company that misled consumers and this company is no longer operable. This company seemingly had gone out of business overnight leaving customers scrambling and also confused. I am perturbed, and befuddled, and now am in need of a car.
Consumer complaint received 2023-09-13
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. (MO)

This is my 9th 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 an alleged fraud or extortion. 
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 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