davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (OH)

Mercedes is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. Mercedes is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error 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. 
Requesting for Mercedes Late Payment and Account Removal. Requesting Mercedes to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I was contacted by a company to transport a car from Virginia to Arizona. They demanded that I pay them via XXXX through chase bank. They sent a flat bed tow truck to pick up the vehicle at which time I paid them {$1200.00} through XXXX They were supposed to pick up the vehicle from the tow company and transport it to Arizona. They never called the tow company back and now I have to pay a {$770.00} fee to get the car from the tow company. The company that did this is registered with the DOT and FMCSA but they refuse to do anything. Chase bank also refuses to do anything since the transaction was through XXXX. They are knowingly aiding a scam company and allowing them to use XXXX to process their scam.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (FL)

I recently established an account with XXXX ( XXXX ) in attempts to settle my debts so I do not have to file bankruptcy. I have made written/verbal and cease of communication notice to this company XXXX One Main Financial XXXX and they continue to harrass me not only at home, but on multiple cell numbers and at work twice after a cease of communication notice was sent to them XXXX/XXXX/15 and confirmed receipt of this by a threatening call from the owner of the local branch XXXX XXXX XXXX XXXX. One Main Financial has continued to call my workplace with threatening tatics, etc. I received another call at work XXXX/XXXX/15 at XXXX from XXXX with One Main Financial and again requested verbally that she not contact my work number. I have given their company contact info ( Phone/address, etc ) for XXXX which is now attempting to settle my debts.
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

In XXXX XXXX XXXX  I signed off on a lease through US Auto Sales in XXXX XXXX 
My original contract was set up for 3x the amount the car was worth. Its a XXXX XXXX XXXX the car is only worth XXXXXXXX XXXX  at most. At the initial contract signing I tried to negotiate with us auto and put quite a large sum down for the car itself. My loan is over XXXX for a XXXX vehicle. I pay over XXXX XXXX every two weeks. Westlake portfolio management took over my contract and they wont even let me see what all was changed. The contract was switched without any notice and I didnt sign anything to have it transferred. tried to switch to monthly payments and they wont help me with this either. Not only is this a huge scam, its downright awful.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

when i did a mortgage modification years ago XXXX requested a Quite Claim deed to remove my then wife from the property as we were getting a divorce and she was not part of the Modification. I was the only person to sign the new load information. She is still showing up on the loan and the loan company, SPS is telling me they are using her signature on the Quite Claim XXXX as her acceptance of the debt. How is a doc that releases her claim to the property an instrument to accept the debt on a loan she did not sign?
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In 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. 

XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as violated my rights. 

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 instruction.

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 and any other adverse items 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 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

On XX/XX/XXXX, my husband DIED unexpectedly. Unfortunately my husband was having some difficulty with the mortgage and it was in the rears when he died all of a sudden. As an heir of the property, I recently contacted the mortgage company to request a 6-month Forebearance so that I can get things in order legally through probate court. 

I mailed a certified letter with a copy of my marriage certificate enclosed with letter requesting the forebearance on XX/XX/XXXX. It was brought to my attention the foreclosure process was IMMEDIATELY started in XXXX and my husband hadn't been deceased for 30 days! 

Now the mortgage company is seeking to put my home on auction on XX/XX/XXXX without allowing me sufficient time to make an attempt to resolve this situation. This home has been in our family since XXXX. 

My home is worth approximately {$450000.00} and there was loan of {$300000.00}. taken out in XXXX. If given the opportunity to sell my home, the loan of {$300000.00} can be repaid because the value of the home is greater than what is owed on the home. 

I have made several attempts to speak to the attorneys of the mortgage company however I have not received any response from them at this time. I believe my family is being taken advantage of as we grieve the loss of our husband and father! As his widow, I am requesting help with this matter. It would be out right criminal to take advantage of our family as we grieve his sudden death and then loose even more by the loss of our inheritance which has been in our family for 30 years or so. 

I would deeply appreciate any assistance with this unfortunate circumstance. His loss is devasting and I believe our family was not given adequate time to adjust to his unexpected death as I take the proper steps to resolve through probate court.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported 99+ late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
Consumer complaint received 2022-04-13
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

In XXXX of 2022 Freedom mortgage sent me a notice of an escrow analysis that was incorrect trying to raise my payment another {$150.00} they said the tax escrow was wrong .... we had the same problem last year I filed a complaint then and I'm filing another one now... When I first did my refinance my payment was {$820.00} then it went to XXXX then it went to XXXX now they're trying to say I owe {$1000.00}... 
the first year they did my refi they only put in half my taxes in an escrow account so of course that makes it short... .their fault not mine... 
now they put in my taxes three times and of course that makes it short... 
I tried to get them to correct this and instead of taking out the one in XXXX they took out the one in XXXX which means there's a payment in XXXX and XXXX which is incorrect .... 
when they finally got it corrected as to XXXX and XXXX they had the amounts wrong ... .. in XXXX XXXX the first payment is smaller then the second payment... I have been calling them and dealing with them redoing the escrow since XXXX .... 
all the while they put things in as partial payments while they charge me interest and all the while they report to the credit bureaus that I'm late and tank my credit rating .... On XX/XX/XXXX I received my new tax rate bill from XXXX XXXX Wisconsin and it was less than what their estimated escrow was ... .I called them and reported it and ask for yet another escrow analysis .... probably about the XXXX time... 
I will wait to see if they did it correctly otherwise I will complain again...
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the beginning of XXXX, BANK OF AMERICA closed my checking account and placed a hold on the {$5600.00} in the checking account, they said they would audit the funds, but XXXX months later, the audit has not been completed and I need the funds to survive!
Consumer complaint received 2022-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3900.00} XXXX Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-13
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

In XX/XX/2019 I was charged {$590.00} for interest. At that time my balance on the best buy citi card was below {$500.00}. Now my bill is over {$1000.00}
Consumer complaint received 2018-07-16
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. (GA)

I viewed my credit report and found late payments below.. 
Creditor : XXXXXXXX XXXX  Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-09-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX  TX XXXX
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

J.P. Morgan Chase Bank 's XXXX XXXX wrote on XXXX XXXX, XXXX that Chase refused to provide a {$290.00} credit of the subject {$1800.00} charge that was posted on my Chase Credit Card on XXXX XXXX, XXXX with the reference XXXX SIENNAENTER. My attorney left a voice-mail message for XXXX XXXX ( XXXX Ext. XXXX ) on XXXX XXXX, XXXX and then spoke with her on XXXX XXXX, XXXX. XXXX XXXX advised that she would consult with a Manager and that my attorney would hear back in XXXX hours. After not hearing from XXXX XXXX, my attorney left a second voice-mail message on XXXX XXXX, XXXX requesting that she at least provide my attorney with a facsimile number so that he could provide written notification of the matter. As my attorney has still heard nothing from XXXX XXXX nor anyone else during this entire time, I am submitting this Complaint to the BCFP : XXXX XXXX had indicated in her XXXX XXXX, XXXX denial that the merchant was under no obligation to issue the credit because a " significant amount of time has passed since the date of the charge. '' But XXXX XXXX did not explain the basis for this reasoning. The merchant promised a partial credit THE DAY AFTER the transaction occurred and had been continually indicating that the credit would be issued upon my regular bi-weekly demands. The merchant had merely acted as a broker in purchasing services from a third party and, significantly, was not billed for, nor did the merchant pay, the amount that the third party would have charged it for the cancelled portion of the service, i.e., {$290.00}. It was only after it became evident that the merchant would not issue the credit -- despite his repeated fraudulent assurances over many months that he was issuing the credit -- that I found it necessary to inform Chase that the merchant failed to issue it. This matter of course does NOT concern a dispute regarding the quality of a good or service, but simply the merchant 's ongoing failure to submit a refund through Chase 's Processing System while falsely informing me for many months that the credit was in fact being issued. If the merchant claims to have never agreed to the credit and/or that it was billed for the cancelled portion by the third party, I will provide the detailed documentation that evidences the merchant 's false statements to Chase and the fact that the merchant never was billed therefor.
Consumer complaint received 2022-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

We paid our servicer, Ocwen Loan Servicing two ( 2 ) months in advance monthly mortgage payments. Per Ocwen credit history report on the first page, Ocwen reported in XXXX 2016 for XXXX 2016 only! Ocwen failed to report our advance monthly payments that were made. Per the credit reporting statement from Ocwen, on the XXXX page reflects that Ocwen reported to the credit bureaus on XXXX XXXX 2016 and our account is current. Per the payments and amounts due statement from Ocwen reflects our next payment is not due until XXXX XXXX 2016 for {$690.00}, XXXX page. Per the payment history statement from Ocwen, this statement reflects that we are not due until XXXX XXXX 2016, forth page. The facts are, the documentation that is enclosed reflects that we paid Ocwen loan servicing advance monthly payments. Ocwen has failed to report to all the credit bureaus accurately. Ocwen has failed to report to all the credit bureaus that we are current until XXXX XXXX 2016. Ocwen Loan Servicing must report to all credit bureaus accurately, by law. Ocwen Loan Servicing must be required to report our advanced monthly payments, reflect as current, reflect that we are not due to make another payment until XXXX XXXX 2016. Ocwen is hurting our chance to improve our credit history, our FICO scores and a future loan!
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (IL)

XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Consumer complaint received 2022-10-13
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)

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 accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX