davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SF VAGO, LLC (WI)

My vehicle loan has very high interest rate ( 8.14 % ) and very high interest to principal. It was transacted in XX/XX/XXXX with State Farm Bank. Payments were made on time through XX/XX/XXXX. In XXXX, XXXX a two-month extension was approved for financial difficulties. Payments again were made on time thereafter from XX/XX/XXXX through XX/XX/XXXX. 

Again, during the pandemic in XXXX and loss of 2 jobs, in XX/XX/XXXX, an extension was offered and taken for XXXX, XXXX and XX/XX/XXXX. Payments were resumed in XX/XX/XXXX. 

Presently, I find it a struggle to make these payments and have been in contact with collections to let them know since early XXXX of my difficulties. I have continued to make payments as I am able but I am in a 30-day late status at this time. 

During recent efforts to understand where I am, I shockingly noted that on-line statements do not reflect any principal payments made to my account since XX/XX/XXXX and I can not get a satisfactory explanation why all payments made since then have gone for interest only. After several unsuccessful attempts on my part to call to get an answer, My Agent, XXXX XXXX, then got involved and attempted to a have loan support supervisor call me back and explain line by line explanation for each month on the loan starting XX/XX/XXXX and running through the present : Beginning balance Payment made Payment applied ( principal, interest? ) Fees charged. 

We both requested this on Monday XX/XX/XXXX, and requested a return call no later than 48 hours after the formal request. It is now late in the afternoon XX/XX/XXXX and I have had no return phone calls. They sent the agent a print out that looks exactly like the on-line statement, which the agent suggested was not intelligible. ( attached ) I believe this is a predatory lending practice and I certainly did not know or understand that past the extension for Covid relief, I would not be gaining any ground by any of the {$740.00} payment applied to the principal. Consequently, I am now underwater on this loan and can not sell the vehicle to repay this loan. 

It seems to me that the " relief '' offered for compassion during a pandemic became a way to rip me off with an already high interest rate. Within the last 2 years, I tried to refinance this vehicle loan with State Farm but was turned down on my request.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX ( ID # XXXX ) from PHH is stating that PHH Mortgage is unwilling to generate my statements from XX/XX/XXXX to XX/XX/XXXX. 

I require my billing statements from XX/XX/XXXX to XX/XX/XXXX. 

XXXX said someone at PHH, without my authorization, set my loan to " coupon billing ''.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX CirXXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I refinanced my loan with a mortgage company called XXXX mortgage and it is a cash out refinance. The title company called XXXX XXXX situated in Tennessee sent the pay off for my older loan with Caliber Home Loans on XXXX XXXX. They confirmed the account number and routing number to which the payoff to Caliber Home Loans was sent and we also got an a call with the customer service department of Caliber Home Loans to confirm the account details. Title company has a confirmation from their bank that the wire has been sent but Caliber Home Loans says they haven't received it and every time I have to speak with a new agent who makes me go through the whole process again of explaining the details and they are not looking into this issue. I am very concerned at this point as I am not getting appropriate help from my title company XXXX XXXX as well as the previous lender Caliber Home Loans to solve this issue. 

I am not sure what could be the next steps for me as my credit report now shows 2 loans for the sane house now and will have to do 2 payments for no fault of my own.

Customer service is useless for me as of now and also none of the title company or mortgage company is helping me even trace the wire or letting me know what the next steps could be to resolve this.
Consumer complaint received 2022-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian and XXXX have my current address incorrect. The address XXXX XXXX XXXX XXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Consumer complaint received 2023-10-21
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (HI)

I keep getting repeated calls from sunrise credit services and keep asking me to pay the xxxxx amount. I never receive any documentation that this debt have been validated. I get calls anywhere between morning and afternoon even if i'm at work i'm getting 4-5 times calls. I'm working hard with a credit repair services in regards with debt validation and disputes.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK (CA)

My account was frozen around XX/XX/23 due to an unknown reason and I have submitted all required documents.. I called East West bank multiple times with no help whatsoever. There is a remaining balance left in the account that is rightfully owed to me but every time I call I am getting a different answer. I am entitled to my funds because there has not been any fraudulent transaction on my account.
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NC)

In XXXX of XXXX my car was totaled. The person who hit my vehicles insurance paid off the remaining loan balance. Ally financial, however, after receiving this payoff instead of closing my acct reported me to the credit bureaus as late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XX/XX/XXXXto have this inaccuracy removed. I was told if I didnt hear back in 45 days it would be removed. I never heard back so I assumed this was removed. I recently applied for a mortgage and this was still present. I called Ally again on XX/XX/XXXX, and was told they would need to resubmit a claim. My wife then called on XX/XX/XXXX and asked for an update and asked if this could be expedited as we are trying to purchase a home and this is hindering our ability. The agent on the phone said the claim submitted on XX/XX/XXXX had no information attached to it so it would automatically be denied. This agent then filed a new claim with all updated information and she was told they would try and expedite this matter. My wife then called today XX/XX/XXXX and was pushed to 2 different departments and no one was able to help. This should have been cleared years ago when they were paid and again last year when I filed a claim however this is still present and actively affecting my familys ability to buy a home. Every day that goes by with this unresolved is another day of rising interest rates and lost opportunities on homes. Please help!
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One XXXX card was compromised and used in states where I do not reside nor have been nor have connections in. Capital one fraud alert has closed and reissued new account and reversed charges to the card fraudulently, but also had bank account number and processed payments out of the bank account to the card. I am correcting the credit reporting agencies information but they require a report from FTC with confirmation of ID to proceed and correct reports or remove fraudulent information.
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (MO)

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX XXXX and Experian. They have NO supporting documents or any evidence of me owing the debt.
Consumer complaint received 2022-04-21
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. (CA)

I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.
Consumer complaint received 2022-04-21
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. (OK)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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. (OK)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (WI)

XXXX XXXX XXXX ( XXXX ), partner, affiliate, and reseller of XXXX XXXX sold a product with a false description. They had claimed that their mining product " XXXX '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX, XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even the website www.gawminers.com no longer exists. 

Furthermore it is public knowledge that the U.S. Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the U.S. Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the U.S. Government and the charges he now faces. 

I have contacted XXXX with success however they were unwilling to refund me so I opened a case with PayPal ( PayPal Credit ) which was immediately declined because it was not submitted within XXXX days of the transaction date. I have opened a case with the CFPB about this matter a month ago and only XXXX of the XXXX transactions were looked at and resolved by PayPal Credit. I am opening this case to get the XXXX transaction ( Transaction ID # XXXX ) resolved as well.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} U S DEPT OF EDXXXX XXXX XXXX : {$810.00}
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

The process with Cross Country Mortgage began in XXXX XX/XX/2021. We applied for a homestyle refinance and had initial disclosures bring our payment to XXXX a month. We discussed how to get the payments lower to around XXXX. My loan XXXX XXXX XXXX discussed a one time insurance payment option that would lower it. Throughout this process interest rates continued to rise and XXXX refused to lock in my rate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the point where he could not remember phone conversations that we had. Staff from cross country went on vacations or did not want to speak with me. In fact XXXX XXXX during one conversation that lasted 10 minutes stated. " Well this is 10 minutes of my time I will not get back. '' We moved out of our house to a temporary apartment on XX/XX/XXXX with the understanding we would be closing shortly after. It is now almost the end of XXXX. We have not closed and no renovations have begun. I have lost out on thousands of dollars renting this apartment with no work being done. We will have to extend the lease if even possible which will cost more. Our monthly payments for our mortgage have grown to XXXX a month which is outrageous because of interest rates and the fact that lumbar costs went up due to the mortgage company taking so long. On top of that they had to switch our program to a XXXX FHA loan instead of the homestyle refinance because of a lien on our house that they originally said could be paid off through the homestyle refinance but then just 2 weeks ago said it couldn't and so we needed to switch the type of loan in order to have no money at closing. I can not continue to live like this. This process has caused me to experience XXXX XXXX XXXX ailments to due to the stress. I have emails and text messages about everything. Please help!
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  / {$2100.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$2900.00} / XX/XX/XXXX XXXX / {$860.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX / {$0.00} / XX/XX/2021