davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (OH)

XXXX XXXX  originated our mortgage in XXXX. We made our first payment due XX/XX/XXXX on XX/XX/XXXX after having received our first payment coupon. We made the payment as directed to our loan originator XXXX. We made our second payment on XXXX, for payment due on XXXX, to XXXX XXXX as well. 
Our loan was sold on/around XX/XX/XXXX to Plaza Home Mortgage , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL. 
We made our third payment on XXXX, due for XXXX ; however, our payment notice indicated a payment was missed. prior to making the XXXX payment, we called Plaza regarding the payment notice. The Plaza representative indicated this was likely because of processing/timing between the seller ( XXXX ) and Plaza ( the XXXX ), and would be rectified through their settlement process. 
We then received our next payment notice in XXXX, again indicating we were behind XXXX payment. FIRST ISSUE : The individual was abusive and used inappropriate language. He was also very accusatory in nature and complained about how he was demoted when I asked to speak to a supervisor, stating " I was a supervisor and they will tell you what I told you. '' He finally agreed to transfer me to a supervisor but disconnected me instead. 
I called immediately back and waited for another 15 minutes to reach another representative, who again told us they were reflecting a missed payment. 
SECOND ISSUE. In researching she told me that they had only received XXXX payment from XXXX XXXX XXXX when the loan was purchased and that we should submit proof of payment to XXXX. We had paid both payments via our Internet banking. We received, from our bank, proof of ACH payments to Plaza on XX/XX/XXXX and XXXX as described above. We sent the ACH form to the email as directed and also to our lender at XXXX, who subsequently confirmed that the HomeTown HAD received both payments and HAD submitted both payments to Plaza. 
THIRD ISSUE : We have NEVER received any response from PLAZA from our email to them dated XX/XX/XXXX at XXXX eastern , with proof of payment. 
In discussion with our Lender, XXXX, they confirmed that they had discussed with Plaza and confirmed that Plaza was in agreement that they had received both payments for XX/XX/XXXX and XXXX. 
FOURTH ISSUE : We continue to receive late notices AND late fees, as well as accrued interest that is not justified as a result of Plaza continuing to not reflect the proper payments. We have tried repeatedly to have this resolved, beyond reasonable means - have worked with both the lender and the servicer for over 2 months - to absolutely no resolution while they continue to charge abusive fees and interest. We have had absolutely no response, formal or informal, from Plaza, only from XXXX, and the issue remains unresolved. We have now made payments on XXXX for XXXX, XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX.
Consumer complaint received 2022-12-24
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. (MI)

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX 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 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I obtain a vechile and credit acceptance was the finance company. I came upon hard times and car was reprossed I spoke with company who was selling the car to XXXX XXXX auction and I could pay the reprossession fee and fee at the auction to get the car. I did just that and got the car to get pulled over and was told that car was no longer within my name so I called Credit Acceptance who sent me all the information I needed to get the car back in my name and then came a repossessed the car with no knowledge of the car was and would not response to my request of knowing where the car was located and then I got told they took car back and since it was out of my name and gone was not my responsibility. Now in XXXX  they sent me information stating they were going to garnish my check but no follow up date on the court date then in XX/XX/2023 I got my check and found out they are taking XXXX every XXXX weeks equaling almost {$600.00} out of my check affecting my income. I went to get another car and now I am running into issues because of their false information and is now affecting more than it should placing me in hardships.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ). 

I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. 

I received my RLMS Mortgage Statement for XXXX and they added {$150.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the 7th floor of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. 

RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department. 

As of this date I did make ( 1 ) payment with the additional amount until I can resolve issue.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I settled a mortgage dispute with XXXX and I thought everything was very clear, I did not agree with a host of fees due to the nature of the issue and thus the fees were waived ... Now I'm looking at tax documents though and XXXX filed 'Cancellation of Debt ' with the IRS which means a few things. One that they still feel those debts were valid, I'm supposed report this as income, and 3rd, they get to take the deduction all after they totally and completely mishandled everything to do with my loan and the foreclosure which should have never occurred, that I paid off in full but yet they continue to try to 'stick it to me ' which I feel is in violation of our settlement agreement.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NY)

I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to Experian and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.
Consumer complaint received 2020-12-26
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: CITIBANK, N.A. (CA)

Unresolved Chargeback dispute between Citi and a merchant ( XXXX ) regarding the original transaction date of XX/XX/2020 in the amount of {$1700.00}. This was a deposit for an out-of-state apartment lease who required a merchant transaction through XXXX. 

On XX/XX/2020, I was forced to put a temporary hold with Citi on this transaction due to Covid-19 travel restrictions, but two days later I cancelled the hold when the landlord agreed to hold my deposit until Covid travel restrictions were lifted. 

Citi sent a " Dispute Detail report '' that this transaction amount of {$1800.00} was canceled and applied a permanent credit to my Citicard. Later, Citicard rescinded this credit claiming they made a mistake and the charge remained on my Citicard. 

The merchant nor the landlord received the funds after I cancelled the hold with Citi. 
I used other funds to pay the amount again to the landlord, while Citi showed that I still owed it on my Citicard
Consumer complaint received 2022-09-30
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: NAVY FEDERAL CREDIT UNION (IL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; AXXXX XXXX XXXX XXXXXXXX, FL Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M1 Holdings Inc. (OH)

On XXXX I initiated a transfer from my M1 Borrow account to my M1 High Yield Savings. On the transfer page it says this should take a few moments. On the help link documented on the transfer page, this transfer scenario is not documented. I was advised by help that this could take 2-4 business days, but this is not documented anywhere and is in conflict with the " should take a few moments '' shown to the user when submitting a transfer.
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (WI)

In 2014 I purchased my car financing it though Santander Consumer. With the paperwork I had signed and the terms were for 72 months and the financed amount. I have paid the 72 months and the agreed amount to Santander. They are trying to charge me an additional over {$7000.00}.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX XXXX acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all three credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in 2022. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

Around the end of XX/XX/2019, I applied for American Express Delta Skymiles platinum card which they advertised that if I spent {$3000.00} during the first three months, I would get introductory bonus miles of XXXX. I paid {$190.00} annual membership fee on the 1st statement. 

Because of the COVID 19, I didn't get a chance till today and found that I didn't receive any of the above mentioned bonus points at all. After I called Amex card customer services, they did agree that I did spend more than {$3000.00} during the first three months, however, the reason I didn't received the bonus miles is that I was not eligible. 

But I never received such a notice this and why I was not eligible, and my whole point of paying {$190.00} fee was based on the XXXX miles. I would never get such a card with {$190.00} membership ship without the introductory bonus miles. 

When I asked if/when/how they sent me a notice about my not being eligible, they couldn't find any information, saying it was a while ago. 

When I asked to cancel my membership and get my {$190.00} back that I paid initially, they said they can't do. 

I think it's deceptive for a credit card company to try to lure people into applying a card, deciding not to give the advertised bonus miles, and keep the consumer in the dark about it the whole time.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I was offered XXXX XXXX XXXX as part of an introduction offer if I spent {$5000.00} in 3 months and paid a {$250.00} annual fee. Although I paid the fee and meet promotion spending requirements I did not receive the introduction bonus XXXX skymiles. American Express says I did not get the reward because although I have never had this card, I have had other Amex cards that gave introduction promotion offers. However, The application disclaimer said I would be eligible if I had never had this card before. Amex practices are anticompetitive and fraudulent. They stole my {$250.00} by offering a product they did not provide and cite vague discretionary contact terms in their defense. Their anticompetitive and fraudulent practices have defrauded me of my money and Amex competition of a customer. Amex should not be able use vague, broad, or discretionary contract terms to defraud customers and should be required to refund a prorated annual fee if a client cancels.
Consumer complaint received 2023-06-05
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Concord Servicing Corporation (NC)

Sophisticated Phishing Scam Beware XXXX XXXXXXXX XXXX and/or XXXXXXXX XXXX XXXX XXXX XX/XX/2020 we co-signed a college student loan for a very responsible young man, the son of close friends. We have known this man 's parents since before he was born. In XXXX we received letter from XXXX XXXX XXXX in XXXX AZ confirming " per our request '' that the account was paid in full. The letter directed us to a website XXXX and a phone # XXXX. Neither of these are legitimate. XXXX XXXX XXXX is not the servicer of the loan. Our student has consistently made all his payments but there is a considerable outstanding balance on the loan. This letter is a phishing scam to lure us into responding.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have experienced idenity theft. There are accounts and inquiries that I didnt initiate or open. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
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. (MI)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.