davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp (MN)

On XX/XX/XXXX a letter was sent in the mail to me, which I received several days later. It stated that I owed this debt and that I had 30 days to dispute it. On XX/XX/XXXX, I wrote them a letter asking them to validate this debt and bring forth proof of the debt I supposedly owe. I have never received any validation and this was never placed on my credit report. On XX/XX/XXXX a letter was sent to me in the mail, which I received several days later. In this letter, the amount was higher, and there was no mention that I have 30 days to dispute this debt, again. On XX/XX/XXXX, I then sent them another letter which was notice of default, and stated since they failed to validate the debt back in XXXX, that they now can not collect on this debt, just because they changed the amount of the debt. Since they did not validate this debt, nor did they place it on my credit report back in XXXX, they are not able to collect on this unfounded debt. However, now they decided in XXXX to change the amount of the debt and not give me 30 days to dispute it, and went ahead and placed it on my credit report. This is in complete violation of the Fair Debt Collections Practices Act. They need to remove this from my credit report immediately and face consequences for not following the law.
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (CA)

15 USC 1681m- Adverse Action Universal Credit has sent me a letter stating " Your request for a loan was carefully and jointly considered by our lending partners, and we regret that they are unable to approve your application at this time '' in other words I was DENIED. I have read and understood Adverse Action of the FCRA and it never mentions denial of credit. It only mentions being denied for insurance or employment. Why doesn't it mention being denied for credit? Because The term credit means THE RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. I have the right granted to extend myself credit.

Let 's take a look at another definition, Finance Charge- Except as otherwise provided in this section, the amount of the finance charge in connection with ANY CONSUMER CREDIT TRANSACTION shall be determined as the sum of all charges, payable directly or INDIRECTLY ( social security card ), by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
Now let 's take a look at one more definition, The term CREDIT CARD means ANY CARD ( social security number ), plate, coupon book or other credit device existing for the purpose OF OBTAINING MONEY, property, labor, or services on credit. 
So what am I saying here there really is no denial of credit due to me originating the credit with my social security number that you used.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

PennyMac received {$470.00} in prepaid interest when they bought my mortgage from XXXX XXXX on XX/XX/XXXX. The loan was almost completely paid off on XX/XX/XXXX. But a recent payoff demand statement does not account for the pre-paid interest collected at closing. Is it possible that PennyMacs system just ignores prepaid interest they receive and customers dont notice it because they usually dont pay their loans off immediately? 

please ask PennyMac to explain the payoff calculation. If you think an investigation of their system is in order because this is a general practice, that also would make sense. 

here is the history of my loan all of these dates and values are from PennyMacs website : XX/XX/19 new loan, balance {$230000.00}. {$850.00} collected as prepaid interest for XX/XX/XXXX XX/XX/19 loan sold to PennyMac who took a {$470.00} discount for 17 days of interest ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/19 principle pay-down of {$200000.00} XX/XX/19 principle pay-down of {$30000.00}XX/XX/19 regular payment of {$1800.00} of which {$120.00} was interest and {$1600.00} was principal. The remaining {$90.00} went to Escrow.

XX/XX/19 the principal balance is now below {$2500.00} and id like to pay the loan off.

XX/XX/19 Payoff demand letter shows : XXXX {$2400.00} principal balance ( correct ) XXXX ( {$9.00} ) interest due ( wrong! ) XXXX {$13.00} recording fee and release cost so, total interest ive paid is : {$850.00} + {$120.00} = {$970.00}.

with the loan almost completely paid off by XX/XX/XXXX, the total interest due on the mortgage is around {$580.00}. So i would expect an interest credit of around {$390.00}. However, the payoff demand letter shows an interest credit of less than {$10.00}. 

i would like PennyMac to explain where the other {$380.00} went or credit that to my account so i can pay off the loan. Numerous attempts to communicate with PennyMac have gone unanswered. 

again, if PennyMac routinely accepts prepaid interest without crediting customer accounts, then every PennyMac mortgage customer has lost this money.
Consumer complaint received 2022-09-16
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (GA)

Went to view my credit and saw this collection on my credit report. I asked for a correspondence via mail showing any debt owed to this company and over 3 months in I have yet to receive anything. Called and was told it does not matter it will just affect me negatively on my credit file.
Consumer complaint received 2019-09-18
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. (ME)

There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

When my mortgage company transferred servicing there was some confusion. I recently applied for a refinance with the mortgage broker who helped me purchase the property. The credit report shows I was late on XXXX and XXXX payments and currently past due. This has dropped my scores by almost 100 points and needs to be corrected immediately.
Consumer complaint received 2023-07-25
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. (WI)

15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I have never done any business with a company called CAVALRY PORTFOLIO SERVICE, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WY)

Chase bank pulled money from an unauthorized account which cause my XXXX bank to charge a penalty and a week long hold on paymnt for XXXX That would stop my available credit from resetting for a week after momey has been pull from my bank. I setup to pull from a saving account ending in XXXX. When the funds get pulled for the payment it has pulled from my checking account ending in XXXX. Which is account I have never setup or authorized with chase. Every with chase still show a saving account ending in XXXX, so do the active logs in the app. And my bank log show the money was pulled from checking from XXXX. I have called many times and ask to have the payments to not be held, and the available credit to reset like normal. With no luck.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00}.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (AL)

I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CA)

I have been a long-term customer with BMW and leasing through BMW financial . 
In XXXX i was in an accident and by car was totaled. The insurance company assessment was done and BMW financial was paid {$3800.00} over the residual value of the car. The BMW financial policy is to not only take the residual value but also 50 % of the amount over the residual valve of the car and only credit the consumer the other 50 % for further BMW leases otherwise they take the entire amount.

This policy by BMW financial is abuse of the rights of the consumer and excessive and unreasonable penalization their consumers. 

It is also important to note that this policy is not the standard practice with other car financial companies many of whom do not penalize their consumers after a traumatic experience.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX RESIDENT XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date XXXX
Consumer complaint received 2022-09-16
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX WAY XXXX, CA XXXX NOT PROVIDED XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # XXXX Date XXXX
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX ; XXXX ; XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-24
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: CORELOGIC INC (AL)

I have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX Assistance XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Consumer Solutions XXXX XXXX 2000 XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).
Consumer complaint received 2019-04-04
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 paid my debt with credit cards with the bank of XXXX Bank and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

A 2nd dispute was created after the initial one, the 2nd dispute was completely ignored and closed almost immediately upon opening it. It was opened and closed on XX/XX/XXXX in a matter of minutes and no analysis of supporting documentation thoroughly proving that the account reported was paid, as agreed, in full. 

Experian refuses to acknowledge the payment receipt, and ACH transfer, and even attempting to reinvestigate does nothing. Since this has happened twice I am generating a 2nd report. 

Initial debt was incurred to XXXX over a leave sell error, the debt notification was issued on the XXXX of XXXX, and arrived by mail on the XXXX of XXXX. It was paid in full on the XXXX of XXXX for a matter of XXXX dollars as reflected on both the pay.gov  receipt showing a XXXX debt, and the ACH transfer from my bank account.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

LoanCare has not resolved an Escrow mis-calculation complaint that was submitted by mail on XX/XX/XXXX. The complaint was acknowledged by LoanCare on XX/XX/XXXX and followed up by a letter dated 35 days later on XX/XX/XXXX indicating that they had opened a research inquiry with the tax department and that they would be sending an update within 7 to 10 days. As of today ( XX/XX/XXXX ), we have not received the update that was promised by their letter to be given by the first of XX/XX/XXXX. 

As per the account information online at XXXX as of today XX/XX/XXXX, the escrow analysis still indicates a inflated monthly escrow amount of {$600.00}. This was calculated by the using the incorrect tax impound amounts supported by the documents that were sent to Loancare with the complaint. The notification of the error was originally emailed to Customer service in XX/XX/XXXX and later sent by letter on XX/XX/XXXX that was acknowledged on XX/XX/XXXX. Based on this erroneous escrow analysis, Loancare indicated that there was a {$2100.00} escrow shortage that calculated a new monthly escrow impound of {$600.00} ( up from the original amount of {$280.00}, a whopping {$320.00} increase! ) With the application of the correct tax impound, the shortage today ( since I have now made 2 mortgage payments with the impound amount calculated by using erroneous property tax information ) would be calculated at {$750.00}. Since LoanCare requires a minimum 2 month reserve, this translates to a new monthly escrow impound of {$330.00}. It appears LoanCare may be attempting to drag this resolution out, well past the RESPA 60 day requirement which is a violation of Section 6 of the Real Estate Settlement procedures Act, until I have made the XX/XX/XXXX payment with the erroneous impound amount. This could be an attempt to require me to pay the entire remaining shortage at that point of {$410.00} within 30 days because it would then not be required to be spread over 12 months as it would then be less than 1/6 of the yearly escrow projection. I hope that this is not the case, and has not been the intention of the company from the beginning. I am concerned because of the 100s of complaints that are readily available on line about LoanCare and their questionable loan servicing practices. 

This issue was originally brought to LoanCares attention by submission of the information through their online secure form email portal on XX/XX/XXXX shortly after the error was made in their escrow calculation they did on XX/XX/XXXX. This submission was never acknowledge and prompted the letter to be sent by mail on XX/XX/XXXX.