davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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: World Acceptance Corporation (TN)

1.I have never had an account with this company WORLD FINANCE CORPORATION XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WORLD FINANCE CORPORATION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

A scammer induced me to XXXX money by pretending to be our electric utility company. After I realized the scam I called my Bank and XXXX. Both refuse to help. The Bank has identified a bank account associated with the scammer but can not /will not refund the money or give me any details.
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The following accounts are reporting inaccurate 30 days late. I was never 30 days late on the following accounts : XXXX XXXX XXXX 30 days in XX/XX/XXXX XXXX - 30 days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

On   XXXX   XXXX   Synchrony Bank obtained a credit report on me without my consent. I have been a customer with them and remain in good standing with them for over a year. I never requested a credit increase so there was no reason for them to run a hard credit report on me. This type of practice impacts my creditworthiness. I, m trying to buy a home in the near future and this will adversely affect my chances.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (OH)

This credit card company calls me at least 10 Times a day from identified numbers as well as private numbers. They have contacted my relatives and revealed themselves as a creditor looking to settle a debt. I am now on a payment plan but I called to see why they would call a relative I rarely see and speak on an account that she is in now way associated with. I called the company and they answered every question but why they called and revealed my debt to my relative. It is illegal to tell anyone but me about my debt. They can call a relative legally only to inquire about how to get in contact with me but it is illegal to reveal they are attempting to collect a debt.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX, I submitted a request to have PMI removed from my loan. At that time, the bank representative stated to qualify I need to make principle payments. I sent 2 additional principle Check XXXX {$2500.00} check date XX/XX/XXXX Check XXXX {$200.00} Check date XX/XX/XXXX My current LTV is 75 % ( Below the 78 % automated termination requirement ). I have XXXX credit, Payments are auto withdrawn from my account, no missed payments, & have equity in the property. My PMI payment is {$23.00} ( like to keep things in prospective ). 
I have asked NewRez mortgage ( Shellpoint ) to escalate my request to remove PMI for my loan. I keep getting letters indicating I have to pay {$150.00}, {$400.00}, {$500.00} to get PMI removed. They also said PMI termination is based solely on the original amortization of the loan and I am not scheduled for termination until XXXX? 

Thank You!
Consumer complaint received 2021-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX, I Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  - XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (SC)

I applied for a mortgage through DHI mortgage in XXXX. I was sent a loan estimate with no cost for points in XXXX. The night before to get the CD deadline XXXX they changed the amount charged for points which was not on the estimate in XXXX. Otherwise they would change my interest rate and delay my closing for a 2nd time. The 1st delay was due to the fact the lender representative forgot to submit the loan. Therefore, I had to stay in a rental property at a higher rate of {$1900.00}. Now I am going to be forced again to pay DHI an extra {$2000.00} or {$1900.00} for the rental property for another month. 

I understand the rate was not locked but I was quoted an estimate of XXXX with no cost. Now they are charging XXXX  for the same interest rate. There has only been positive changes in my credit which is not the reason for the change. They must have forgotten to disclose that information in XXXX.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

The initial complaint is with XXXX XXXX. XXXX .Who was a division of XXXX XXXX XXXX will no longer have any correspondence with me as they do not service my mortgage anymore. Close the end of a forbearance period In 2021 I had applied for and was given a new interest rate of XXXX XXXX. 
The new bill clearly spelled out the individual amounts which was to go to Principal, Interest and Escrow. I began paying the total amount which was {$1000.00} {$260.00} : for Principal, {$420.00} : Interest, and {$330.00} towards Escrow. 
The outstanding Principal at the beginning was {$150000.00}. 
I was late on my XXXX payment but Doubled up on my XXXX payment. 
I called in to let them know what I did, I was told that I was not late in fact I had overpaid!, which came as a surprise to me. 
Looking further at my Statements December 2021-May 2022 my statement had {$260.00}, going to Principal, {$420.00} to Interest and {$0.00} going to ESCROW. 
I asked about this several times, even asked to speak to a XXXX who told me all was well. In XXXX I received a letter stating that my taxes and Insurance had to be paid, as there was insufficient amount in my Escrow account my Escrow payment amount would now have to increase. My new Monthly payment would be {$1100.00} with {$440.00} going to Escrow. In XXXX of XXXX again received another assessment This time my Monthly payment would be {$1100.00}, with {$510.00} XXXX going to Escrow, {$260.00} Principal and {$410.00} to interest. 
In XXXX the mortgage was transferred to Fay Servicing. I called about paying my XXXX Mtg but was told I couldn't as I had no account number. I was able to pay both XXXX and XXXX. I have now received another statement from Fay servicing, stating that I have insufficient amount in my Escrow account, my new monthly payment will be {$1300.00}.

My interest rate has gone down but my payments have increased and principal is increasing. *****There obviously was a dire mistake at the start which has continued to snowball. If this continues, I WILL NOT BE ABLE TO PAY MY MORTAGE. 
Please help solve this unfair mistake that I'm paying for. 
thank you XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am filing a complaint on Capital one cause I have had an account opened in my name fraudulently and I sent the police report and fraud affidavit to the credit bureaus and they had blocked the account From my credit profile, but capital one submitted a unblock request to the credit bureaus and I have been unable to resolve the issue on my credit report
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/2023 I tried to complete a change of address in my online USPS account. That was at about XXXX XXXX  on that Monday. I was asked by the USPS to accept a {$1.00} fee for verification identity. I checked the box I agreed to accept the fee and then entered my bank card information. The USPS then said it could not accept my bank card for payment and said it had sent me an email telling me what I needed to do to complete the transaction at the post office. I have not completed the transaction at the post office yet at the front counter. In my online TD Bank account, it has that on XX/XX/2023, {$1.00} was sent to the USPS. I want TD Bank to verify that the {$1.00} was sent to the USPS from my checking account on XX/XX/2023 because of the transaction I tried to complete in my online USPS account on XX/XX/2023 at about XXXX XXXX. In my online TD Bank account, this is how the XX/XX/2023 transaction is recorded, XX/XX/2023 Debit Card XXXX XXXX XXXX XXXX USPS Change Of Address XXXX XXXX XXXX TN. My mailing address has not changed yet in my online USPS account and I have not completed the change of address transaction, so I want TD bank to verify that the USPS could legally take the {$1.00} from my checking account. I have not closed my current mailing address of XXXX XXXX XXXX XXXX, SC XXXX I have had for about 3 years.
Consumer complaint received 2021-04-16
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: CarMax, Inc. (IL)

This account is reported as Collection/Charge off but it is showing Balance of {$12000.00}, you know a charged off account should be XXXX balance. According to my research 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' so there should have no late payments in my credit report. Furthermore, 15 USC 1605 ( 5 ) states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is obviously a noncompliance of the law to report it with profit loss write off. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Consumer complaint received 2021-04-16
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)

The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my Transunion and XXXX  credit file : XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WV)

My issue is with Binance.US. This company has issues with ACH transfers. I tried completing several ACH transfers but they were immediately being marked failed with no money added to my wallet. It appears they have disabled my account with no notifications letting me know why or whats going on. It appears they are sending failed transfers through and not marking the correct purchases successful. I have screenshots showing all of my purchases made as well as bank statements showing how much has come out of my account. I have now given/ had money removed from my accounts amounting to over {$800.00} but I have only purchased {$790.00} of the XXXX i hold. I can not get a reply from Binance US and this appears to be happening to a lot of other users. I just want credited for everything I have given, and to be acknowledged with this issue. This is a broker and I have lost a lot of potential gains as a result of their inefficiencies. I need real help. 
ticket # XXXX this is just one of many tickets I have submitted. I have waited 2 weeks between tickets with no reply.
Consumer complaint received 2019-08-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Experian Information Solutions Inc. (IL)

durning my school years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, I struggled with my financnes, so every year I made sure that I contacted Experian to make sure my credit was in good standing, buy asking fo r a forbearance or a deferment for each year, no the companies is saying that I have past due payments for those years above and that is not true, my acct should be fair credit for all my years, no past due, all fair and up to date for all years to this day.
Consumer complaint received 2023-05-13
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. (IN)

In XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX  XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IN)

{$500.00} was taken out of my bank account by Huntington Bank without prior proper notice. Amount was taken out on XX/XX/2018. Call was made to Huntington customer service on XX/XX/18 and I was told their collection agency took out the money and there was nothing they could or would do. Calls made to Huntington 's collection agency on XX/XX/2018 resulted with the same results. I also requested a research of the transaction on XX/XX/2018
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (MN)

I had aribration with Wells Fargo Bank. I sent them a email 24 hours in advance to have them cancle and get a new time for a couple reasons. The thing Wells Fargo did it without me and told JAMS I had not sent my paper work in to XXXX at Wells Fargo. That is not true. She confirmed the First batch I sent and never did the second batch. Then they told the XXXX a lie about me calling 13 years ago and telling them I didnt want my only Transprotation I am XXXX that is not even possible, The Jams came up with 2000 more in a refund. Wells Fargo has paid me XXXX which I sent back. Then XXXX. 
then XXXX with all these checks Wells Didnt gtet a hold of the Trustee from the Chapter XXXX I had to file because of wells Fargos Fraud XXXX Now when I ask about Outside Help and They sent a letter telling me how they will have to get a hold of Trustee now. 
Thats fine I have a Lawyer and she has the paper work I only used XXXX of my exemptions and I didnt own a home so I have XXXX there to be able to protect this. I never have had IRS issues in my life and the Crazy things that is going on with them sure soulds alot like a Case wells forclosed on a home and the Guy raised a stink next thing he is having IRS issues because Wells fargo Bank told the IRS to mess with the guy. I believe fully thats what Wells fargo Bank has done to us. Anybody that would say I didnt send my paper work and so on would do anything.
Consumer complaint received 2022-10-11
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. (AZ)

I disputed this account on XXXX and I haven't got a response. this account needs to be deleted. it has already been non verified by other companies and deleted. so Experian has to delete this by law. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.