davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cars Financial, Inc (VA)

My wife and I purchased a XXXX XXXX XXXX XXXX from shelor motor mile inc and cars financial inc in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with shelor there attorney cars financial I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies shelor motor mile inc and cars financial inc the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to XXXX  XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then cars financial inc shelor motor inc pulled this stunt they did not do what was promised to report to credit report like they were supposed to
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (GA)

I have been struggling with an account that appeared on my XXXX  and XXXX  credit report that is not mine. Original creditor ( XXXX XXXX ). I have disputed this account numerous times and It keeps coming back with different collection company names. I do NOT own this account. I have never owned a XXXX account in.my life. After talking to XXXX  it was recommended to me to file a claim with the FTC to get this problem resolved ... I have tried contacting the collection company Allied Collection SE and have filed 2 disputes but I never have been able to get a hold of them. So please help I do not know what else to do.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I was paying my monthly mortgage for XX/XX/XXXX. The normal monthly bill was {$2000.00}. In XXXX it showed I owned {$3700.00}. I called Mr. Cooper and was told I owe {$12000.00} in taxes and escrow and until its paid, my mortgage will be {$3700.00}. 

Mr. Cooper did not properly apply my taxes for escrow for XXXX taxes. My mortgage should have increased to {$2700.00} monthly to cover taxes and escrow. Mr. Cooper did not make the change and I was continuing to pay {$2000.00} monthly mortgage. 

I did not know and there was no indication from Mr. Cooper that this would happen. I did not receive any notices or explanation for the increase in monthly mortgage {$3700.00}. 

Mr. Cooper but me and my family in a financial hardship that would have easily led to foreclosure of my home. 

I called Mr. Cooper several times over the course of a week after finding out this information and Mr. Cooper 's representatives gave no assistance that would help me pay this very large and exorbitant amount of money. 

If I would have paid Mr. Cooper {$3700.00} a month, I would have incurred fees and interest that would have increased my principle for several years. 

If Mr. Cooper would have taken the time to handle my mortgage properly, I would not be in this position. 

I was forced to obtain a loan to cover the cost for Mr. Coopers oversight of {$12000.00}. I paid to Mr. Cooper along with a {$3700.00} mortgage payment for XX/XX/XXXX. 

Mr. Cooper initially did not apply my {$12000.00} payment to the amount owed for escrow and taxes. Mr. Cooper applied the {$12000.00} payment to my principal, which was completely deceptive on their part because Mr. Cooper was showing I owed them {$12000.00} in back escrow and taxes. 

I have been calling Mr. Cooper to appropriately apply the money so I will not continue to be in the rears and to recalculate my monthly payment so I should be {$2700.00} roughly.
Consumer complaint received 2024-03-18
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.
Consumer complaint received 2021-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX  me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had fraudulent charges made on my Bank of America XXXX card ... BOA.. said they found the charges were mine and I filed a fraudulent dispute.. which got my unemployment cut off.. I missed 8 payments of XXXX on my unemployment.. plus the fraudulent charges they charges me for.. around 300.00..
Consumer complaint received 2021-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through XXXX. My loan has also increased during the CARES ACT.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IL)

I deposited money on Gemini months ago so did a lot of people I went through the sign up process very smoothly providing all the necessary information they allowed me to deposit money on the account and it has been months that they have had my money well now that I want to withdraw they are holding my funds HOSTAGE this is happening to thousands and thousands of people there is even a XXXX post about this specifically they say " you account is pending verification '' But that doesn't make sense since I was able to deposit on the account and it has been MONTHS since I have deposited They are holding my money hostage and not giving it back I looked on the app for a solution, there were none. there is no information about why an account may have troubles being verified. 

countless people are experiencing this additionally I went to email the support about this problem. I tagged them in a tweet and DMd them on XXXX  they have not responded to ANYTHING their customer support is an absolute disgrace. this is one of the most important types of services known to man which is handling money. you need to be vigilant and responsive they are avoiding all contact and weaseling out of paying people back their money
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a forbearance that started on XXXX. My payments went from {$1100.00} to XXXX during the six month period which has not ended but does end XXXX. Suddenly my escrow account is at $ XXXX, I owe {$1200.00} for the month of XXXX, {$1200.00} for the month of XXXX and will owe XXXX for the month of XXXX, event hough I have consistently paid more than {$390.00} every month except one since my forbearance started, often paying more than {$1200.00}. I don't understand why my payments are {$1200.00} during my forbearance where my payments should be {$390.00}. I don't know why my taxes haven't been paid. And I don't understand why I have a lumps payment of over {$3000.00} due. I talked with a representative with SPS servicing and HOPE and am still very confused I feel like SPS servicing is committing fraud.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I made a payment of {$300.00} on XXXX XXXX through the Allly Auto App. The goal of this payment was to decrease my principal amount. Instead the amount was applied to the monthly payment amount {$650.00} due on XXXX XXXX. I called customer service to inquire as to why my payment was not applied to my principal and was informed the app does not give you the option of making additional payments toward principal only unless it is more than the amount of the payment due. I have my regular payments set to auto pay and believe that this practice is unfair to those who do not have than the monthly payment amount available to make toward an auto account. The customer service manager informed me that in order to have a payment applied to the principal of my account balance that is less than the monthly payment. I would have to call the customer service center. It is a great inconvenience to have to call to make an additional payment because Ally does not consider a small payment toward my debt worth calculating through the Ally App.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I had recently discovered that XXXX XXXX XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

By sharing my ( Bankruptcy # XXXX ) with XXXX XXXX, XXXX  XXXX XXXX  which it clearly state on my credit reports that these CREDIT BUREAS use your company to report informations on my credit file. ( letter attached ) Because your company shared my personal information thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission to Lexis Nexis to furnish my personal information to anyone. I DEMAND YOU, XXXX XXXX, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY FROM MY FILE as YALL knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
FOR SHARING MY PERSONAL INFORMATIONS. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA ONCE YOU HAVE REMOVED ( Bankruptcy # XXXX ) PLEASE SEND ME A UPDATED REPORT THANK YOU
Consumer complaint received 2022-11-30
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. (GA)

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (MN)

Accusation against, Pulte Homes of Minnesota, LLC : deceptive predatory lending practices, deceptive trade practices, fraudulent misrepresentation, by engaging in high sales pressure to sign an unconscionable contract ; i.e., the purchase agreement, stating that without signing immediately the seller would offer to another buyer, thus not allowing the potential buyer adequate time to review the purchase agreement. Additionally, the sales consult ( XXXX XXXX ) pre-qualified the potential buyer based on 3.25 % interest rate, and lower principal price than expected at closing ; therefore, deflating the expected value of the townhouse ; inducing the buyer to commit to signing the purchase agreement. Furthermore, Pulte Mortgage ordered a conditional loan approval based on falsifying the potential buyer credit-debt-ratio ; e.g., XXXX XXXX  denied potential buyer financing based on credit-to-debt ratio ( student loans ) ; on XX/XX/2020. The conditional loan approval with Pulte Mortgage expired XX/XX/2020 ; Pulte Mortgage did not contact potential buyer. The potential buyer contacted Pulte Mortgage XX/XX/2020, and was informed about an increase in interest rates. Seeking a new lender ; aforementioned XXXX XXXX, by which, potential buyer was denied financing based on credit-to-debt ratio ( student loans ). The potential buyer contacted XXXX XXXX, XXXX XXXX, and XXXX XXXX ; via email ; stating the inability to perform the obligations of the purchase agreement, and asked for the return of deposits totaling {$25000.00}. XXXX XXXX offered to process cancellation through XXXX XXXX, but inferred the inability to return deposit money. Pulte then proceeded by offering approval from their lender, without consent or signature from buyer, and emailing a closing date. Buyer replied XX/XX/2020, and XX/XX/2020, restating the inability to perform the obligations in the purchase agreement, and asking for the deposit of {$25000.00}. As of XX/XX/2020, no response has occurred from Pulte Homes of Minnesota , LLC ( XXXX XXXX, XXXX XXXX, XXXX XXXX ).
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CO)

I noticed three accounts on my credit report saying that I owed the following : Account XXXX : {$4100.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX, KY XXXX Account XXXX : {$4400.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX XXXX, KY XXXX Account XXXX : {$3400.00} Collections Agency : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Xfinity ) Address used : XXXX XXXX XXXX, XXXX, TN XXXX Email address used : XXXX None of these addresses or emails are affiliated with me. The fraudster used my information to purchase phones and services. I've filed disputes with XXXX, XXXX XXXX, and awaiting a call back from XXXX to dispute account 3. Calling the other credit bureaus to dispute as well.