davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wellsfargo wrongfully foreclosed on my property XXXX month later after contracting a loan modification, this happened in XXXX of XXXX. They contested me in court for XXXX yrs, even ended having to file bankruptcy XXXX times in XXXX and XXXX.They never owned up to their wrongful foreclosure proceedings, this lead to emotional and financial distress for my family. Then in XXXX at the point of a sale date for the property, in which I would have lost everything, I had no choice but to accept their astronomical offer. Their predatory lending enforcement has brought great difficulty to my family
Consumer complaint received 2023-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

I was continually talked over. Was told I would receive documents via email when I went to email and junk mail and could not find what he said he sent, he then changed delivery method to US Postal Service. Was told by XXXX XXXX ( XXXX XXXX, but when I called back was told by operator that XXXX XXXX who is in charge of collecting thus already paid amount for breaking a lease on a XXXX infested, Mold filled, contaminated apt that I had an air quality test done on but was still required to pay to leave such medical unhealthy accommodations, was not XXXX another lie because the person I spoke with when I could get a word in had an XXXX accent ) that XXXX XXXX XXXX XXXX again requested in XXXX XXXX collection of this alleged debt then he changed this statement to XX/XX/XXXX as last time XXXX XXXX contacted National Credit Systems. XXXX XXXX stated he would contact XXXX XXXX and verify debt but seems like a lie. This should have been done already. Unscrupulous tactics that include lying. This happened today but with all the lies I just don't believe this company will follow through and check for accuracy of amount already paid or send the documents. I followed up with an email to them requesting everything with address provided.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Went in for a service visit, was told it would be {$200.00} ish over the phone. When I was charged, they put it as {$600.00} something in their system ( dealership scammers ). I realized a day later and contacted Chase. They wanted proof in writing from a representative from the dealership acknowledging the mischarge. After 2 weeks of back and forth, their service manager sent me a letter, which I faxed to the Chase Fraud Team.

Now Chase is saying even WITH sufficient evidence, too much time has passed and I have to eat up the {$400.00} ish difference. I have proof of the letter if required, please contact me if necessary. Thank you.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I tried to dispute them back in XXXX 2017 when I first received my credit report and they have failed to provide proof of a contract. I have no contract with them they continue to send an old billing statement as verification but I requested true validation of my alleged debt.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-05-18
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)

FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

Equifax has been notified numerous times about report inaccurate information on consumer report. They have defamed my character and have caused me severe financial hardship. 

There are a total of 5 accounts reporting inacurrately XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX There are a total of 6 unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (CO)

I submitted two different letters to the equifax credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers but the first response I received was just validation and nothing else. The second letter that I sent was a request of the copy of the individual original contracts that have my full name social security number and signature. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with navients response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Consumer complaint received 2024-03-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (UT)

I applied for and accepted a {$7000.00} loan from Upstart in XXXX of XXXX. The loan was to be paid off in XXXX  years, for roughly {$140.00} per month. For almost XXXX years, Ive made on time payments with no issues. My loan due date is the XXXX of every month, for reference. 

In XXXX of XXXX, I was a few days late paying my loan, but paid it within the grace period and with no late fee, thank goodness. 

In XXXX of XXXX, I again was late paying my loan. I believe Upstart credits you a late fee after XXXX  days. XX/XX/XXXX, a late fee was added to my account. 

On XX/XX/XXXX, I paid my XXXX payment, but not the late fee. I paid the late fee on XX/XX/XXXX, still within XXXX  days of it being posted to my account. 

Now in XXXX, I log in and see my credit has taken a huge hit. I called Upstart immediately to figure this out, as I had made every payment within XXXX days of it being posted, to avoid anything being reported to credit bureaus and to remain in good standing. 

I had to call back multiple times, as nobody I spoke with could give me the information I was requesting. I asked what was reported as late, and XXXX person told me the XXXX payment, another told me it could have been the XXXX payment. Their customer service was deceptive and evasive, not giving a straight answer. 

After XXXX calls, I was able to connect with a representative that gave me an answer. She said that the late fee for XXXX needed to be paid within the XXXX cycle, as in before my XX/XX/XXXX payment came due. 

This late payment was reported as late to credit bureaus, causing immense damage to my XXXX XXXX. There is no way that a {$15.00} late fee counts as a late payment, and was paid within XXXX  days.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

5th/3rd bank approved me for a auto loan from me buying out my lease with the original auto company. XXXX XXXX ( XXXX ) told me that 5th/3rd Bank would mail me the documents to make the payment set up. Approved for the loan on XXXX of XX/XX/XXXX but 5th/3rd Bank failed to send any loan documents for payments until I called on the XXXX of XX/XX/XXXX. 

Had to call 5th/3rd customer service rep to have them send the loan/account set up documents out. I was told by the customer service rep that they hadnt planned to send the documents until I reached out. I will be late for my auto payment on the XXXX of XX/XX/XXXX if I dont receive the documents on time. As of the XXXX I had yet to receive any communication from 5th/3rd. 

I have yet to receive an account/loan number for my new loan document.
Consumer complaint received 2022-05-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2023-10-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (OH)

We purchased a new furnace and water heater from XXXXXXXX XXXX XXXX XXXX, HVAC Contractor in XXXX, Ohio XXXX on XX/XX/2022 for {$9100.00}. We were given a loan with 18 months same as cash terms, through GoodLeap LLC XXXX # XXXX, XXXX XXXX XXXX XXXX. XXXX, CA XXXX. We began paying the loan when we received information that an account was opened for my wife ( loan signer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the subject of another complaint, which was closed because details of that transaction were listed in a XXXX which was not explained to us at the time of loan origination. 

We have been paying the loan, and completed paying the amount in full {$9100.00} on XX/XX/XXXX, XXXX we have contacted the company by phone and online, trying to obtain confirmation that the loan has been paid and we have not received a final statement. The process of paying month was challenging online at there are no statements of remaining balance and difficult to understand listings of payments made to date. The company has many complaints regarding their communications regarding billing, and we are concerned that they attempt to obscure remaining balance and final payment so that considerable interest can be charged to people who are using XXXX interest financing terms. https : //www.trustpilot.com/review/goodleap.com? XXXX Please look into this company and their practices. We have paid in full early and want to make sure we receive documentation to that effect. We don't want others to be victims of deceptive loan balance statement management. 

Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (HI)

I am trying to withdraw funds ( {$15000.00} ) from my IRA Account with Syncrony Bank. I filled out the appropriate paperwork and Faxed it to them on XX/XX/XXXX and then also E-mailed it to them on XX/XX/XXXX. I still have not received the funds. 

I have called 10 times and spoken to a Customer Service Representative. One told me the money would be in my Account on XX/XX/XXXX and it was not. On another call a Representative told me it would be in the account on XX/XX/XXXX. It was not. 

Another employee told me they were totally understaffed in their IRA Department. 

Today I called and the Representative named XXXX said I should wait a week and if it hasn't gone through to submit another form. She said Syncrony has been trying to contact my bank XXXX XXXX XXXX XXXX XXXX to verify information but has been unable to. 

At this point I need the money to live on and to make purchases. I will now have to get a Credit Card advance to pay my bills which will cost me {$280.00} and if the money isn't in my account by the end of the year it will adversely affect my taxes. 

It is inappropriate to not be able to access one 's funds for nearly a month. I appreciate any help you can provide.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

On my credit report there is debt in my collections from a company I do not owe them money or the people they are collecting for any money. This is identity theft and I do not owe them or anyone else any money for unpaid bills. I shall attach a photo of what I'm being accused of. I have looked into this and it is clearly fraud. Thank you.
Consumer complaint received 2023-09-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

In XXXX XXXX XXXX sold our morygage to XXXX. Rushmore became our servicer, and our nightmare began. XXXX XXXX XXXX XXXX XXXX XXXX Rushmore is trying to destroy us. They started by saying we werep behaind XXXX to XXXX.payments. We were not. I did send them the documents they asked for proof, but they never acknowledged the payments. They made it nearly impossible to make our payments. We set up an online account, but Rishmore would not allow us accessss to it. On XX/XX/XXXX, my husband got an email saying we qualified for a modification. We could download the agwreement never came. We are still figjting ez them.Now, they are trying to forces us to a short sale.. Rushmore cares only about money.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc. ()

On Saturday XXXX of XXXX Revolut have send me a notification to say more account is frozen and I need to provide proof of income I have provided payslips and bank statements. I then told them Im preforming at XXXX in XXXX this year that I need my money to have a good time. Also I need my money as Im travelling home the next day. They told me this problem will be resolved and Ill be able to access my account by the end of the day. There was a bit of back and forward until late that night. 

Sunday the XXXX of XXXX I have asked multiple times for an update as I need to get home Im stuck in XXXX and Im from XXXX they did not care kept saying sorry this could take up to 21 days. I told them I have not eat and I need to go home. I explained this for the whole day. I had to beg for 7 to get a bus this was very degrading and it really looks bad on my character as I do social media. They did not listen i talked to bots all day and was filled with trash. 

Over the last day or so I have told them I need this money to go to work get food and pay bills but yet they still wont help Im willing to work with them for whatever my account was flagged for but even at that they wont tell me why my account was frozen