davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC (AZ)

My daughter and I have a loan on her home thru United Wholesale Mortgage. She is beginning her journey in credit/life. The house payment was set up to be taken out of my XXXX XXXX account that was specifically for kids expenses ( college ect ). We decided it was time for her to take over and learn how to make the payment ect.. We phoned UWM and let them know we want the payment taken out of her account instead of mine and we gave them all the needed information on XX/XX/2022. The dollar amount for her mortgage is {$1400.00}. XXXX took the information and changed it but stated that in XXXX it will still come out of mine because it is too late in the month so it would not start taking it out of her account until XXXX. We agreed. ( This is a recorded conversation that they have. ) So around XX/XX/XXXX my daughter called and said mom they still have not taken it out of my account and I phoned XXXX they said " we can not take it out until the XXXX payment is made '' and I said wait it did get paid and they said no it did not. So I paid it and explained that they had said it would still come out of my original account that was on autopay. They said there is nothing we can do and did confirm our conversation was recorded! So they told us it would come out and it did not. I can show you bank records that the money was in there to pay it. Now my credit dropped to XXXX from XXXX and my daughters is probably worse. I want to file a complaint against them and reverse the credit. Even if it can not be reversed I still want to file a claim- what they did is unethical. I never received a voicemail- they said they tried my daughters but she did not receive any messages and I was the original one on the loan so they should have called me. I was in the middle of moving and it was a hectic time and I am so frustrated. I filed with the credit bureau and have reached out a few times to XXXX and they will not do anything because they said it is " automated '' and out of their control. Please help us with this. It is very wrong.
Consumer complaint received 2023-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. 

The debt validation letter is attached to this complaint.
Consumer complaint received 2019-12-22
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)

Overview You've paid off 0 % of your collection amount. 
Balance {$810.00} Highest Balance {$810.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 08 XXXX XXXX XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$900.00} Highest Balance {$900.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Thrivepoint Financial Holdings, Inc. (CA)

I paid this off via wire transfer on XXXX and sent the XXXX fed reference number which validates the funds wired. I contacted the company on XXXX and on XXXX requesting the paid in full letter but they refused to give me one stating that they have to wait until a bond XXXX XXXX, XXXX, XXXX XXXX ( DTA ) advises them that the funds were received and they said that can take up to two weeks? That is not legal and is absurd as I sent the payoff funds via wire transfer and the funds were received so the loan has been paid in full and the con not hold me XXXX by not complying with my request. The debt has been paid and I must have the paid in full letter.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXmy 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Upstart Holdings, Inc. (TX)

On XX/XX/XXXX I received a prequalified-offer to refinance my auto loan with upstart company, I submitted an application and was requested personal informacin such as driver license social etc, 2 days after I received an email in where they said my application is as approved that additional documentation was required. Co- owner concent, insure ce to show me on it and d deductables under {$1500.00} the co-owner did not received email to sign consent when we called to check on it customer service rep XXXX advised us there was tech difficulties on their end that prevented them to send said email and I advised that application was time sensitive, she reply since it was their fault they would they will adjust, on XX/XX/XXXX I called to inquired on status they resend form, co-owner signed it we also submitted proof of insurance with name on it they advice over the phone everything was good to go and to go ahead and wait for the check to be mailed to the current lean holder on my loan, and he hung up the phone 2 hours later I received an email saying application was denied, I called again and they said that since the deducible wasnt showing on the page they had cancel everything, I spoke to supervisor XXXX on the auto refinance operations team who did not provide me with any explanation was very rude, and just said there was nothing to do denied me to speak to some one else in the leadership team, I spent hundreds of Dollars getting the insurance they way the company needed it I drove 400 miles to get the co-owner paper work signed to be mislead by this company and to be turned away with out reason or attempt to fix issues. I need the above company to fix my application status and reimburse me for the money spent during this application.
Consumer complaint received 2021-12-15
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. (OH)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-11-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

Late reporting during Covid XX/XX/ one late payment According to law they have violated me law states USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (TX)

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and Experian ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from XXXX  or Experian since the first. I have included the letters I've sent as proof.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (NY)

The beginning of XXXX I received a letter saying I was pre- approved for a millstone bank credit card and like 5 days later I received a card meanwhile I had never gave them authorization to run my credit and let alone sign up for a credit card with a {$700.00} limit that they want a {$170.00} dollar annual fee who on earth would sign up for that as soon as I saw the interest rate and annual fee I backed out of the website and now they are telling me you might as well just pay the {$170.00} because your credit score is going to go way down Ive been killing myself to fix my credit and one shady credit card company can wreck that by lying and cheating hard working people something has to be done about this to protect people from these shady credit card companies I shouldve knew better there name is already changed now its called concora credit stay away
Consumer complaint received 2019-02-09
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. (MO)

I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX  and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX for {$10000.00} with a down payment of {$1500.00} on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Vehicle Had A Bad Transmission that required Replacement that exceeded XXXX XXXX XXXXf the Loan with Credit Acceptance Corporation, A Retail Installment Contract, Which is A XXXX XXXX, within XXXX business days and the contract being signed on the weekend, A Saturday and by Friday the upcoming week XX/XX/XXXX it was diagnosed with a bad transmission, XXXX Feeble Attempt by the Finance Company To Electronically Give Me ( XXXX ) One-time Payments of {$480.00} for the sum of {$1400.00}, which doesn't even cover 50 % of the required transmission cost or any of the labor which is {$1700.00}, {$1700.00} for the transmission, meaning the vehicle is junk.Breach of Contract, I request it be Removed Totally from both Our Reports and I want to File For Actual Damages.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Unpaid XXXX XXXX collection of {$270.00} from 2020 and I never received notice of the debt prior to applying it to my credit which is a violation of the FCRA. 
The account should not have gone to collections as I provided notice to vacate the home.
Consumer complaint received 2023-01-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freedom Mortgage Company (DC)

As expressed in my original letter for the return of my original documents, which is theft per my original letter sent, which is still unresolved. I would like my original documents returned to me. I was sent copies of my original document along with other unrequested documents. If not acceptable, why haven't they returned the original if not accepted? 

This is not a duplicate request. This issue was never resolved.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX and XXXX  16 late payments. In accordance with the fair credit reporting Act.This creditor has violated my rights under 15 USC 1681 section602 states. I have the right to privacy15 USC 1681 section 604 section2 it also states that a consumer reporting agency can not furnish anaccount without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a creit card account under and open consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had XXXX issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Consumer complaint received 2021-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AR)

Freedom Mortgage claims that I was late on a contractually due payment of {$1400.00} on XX/XX/XXXX. I did not have a loan with Freedom Mortgage in XX/XX/XXXX. My loan was sold from XXXX XXXX to Freedom Mortgage in XX/XX/XXXX. The XXXX Loan was not contractually due XX/XX/XXXX in the amount of {$1400.00}. The loan was in forbearance. XXXX XXXX  inaccurately reported that the XX/XX/XXXX payment as late. The attached letter confirms that XXXX XXXX  corrected the inaccurate reporting. However, Freedom Mortgage FAILED to follow-up to find out if the reporting had been corrected even after I informed Freedom Mortgage multiple times that the information was incorrect and provided documentation. 

I made a payment of {$1200.00}, in good faith, on XX/XX/XXXX after receiving directions to pay the amount from a Freedom Mortgage agent based on a new loan modification which would be forwarded to me. I was told the new loan was due starting XX/XX/XXXX. I never received the loan documents. I requested the loan modification documents more that 20 times and never received them.

Six months later, Freedom Mortgage finally sent me completely new loan modification documents with a payment of {$1100.00} starting on XX/XX/XXXX. I have requested that Freedom Mortgage apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX. The balance of {$110.00} will be applied to my escrow account. 

The {$1200.00} ( unapplied/suspense payment as Freedom Mortgage labeled it ) is now being held based on inaccurate information that I was delinquent on a payment due in XXXX before Freedom Mortgage owned the mortgage. At first Freedom Mortgage claimed the payment was delinquent on XXXX, XXXX now they have stated the payment was due XX/XX/XXXX. I have asked for proof and received none. 

Freedom Mortgage is refusing to apply the XX/XX/XXXX mortgage payment of {$1200.00} to the new mortgage payment of {$1100.00} due XX/XX/XXXX, and the balance of {$110.00} applied to my escrow account. 

I have spoke to five supervisors and none have resolved the issues. All answers have been generic and incorrect on their internal message board.

This is one of many issues I have encountered with Freedom Mortgage. They never contacted me 30 days before the end of my forbearance to start the loan modification process. I contacted them before them time and time again to start the loan modification process. I have detailed documentation for all my allegations. 

The federal government should not allow a debt collector such as Freedom Mortgage to own any federals home loans.
Consumer complaint received 2024-01-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK (MO)

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. Discover bank XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed underSECTION 1637 ( B ) ( 10 ) OF THIS TITLEa written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required underSECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor