davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (FL)

I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, XXXX, and Experian to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.
Consumer complaint received 2022-04-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2022-04-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (FL)

I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, Equifax, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I purchased property in XX/XX/2021. Escrow account was opened with my mortgage as I called them to cancel the escrow, they denied stating that my XXXX is more than 80 %, and if it become less than 80 % I can request the cancellation. I ordered the appraisal through bank Golden1 Credit union, which was completed on date XXXX XXXX. The appraised value came lot higher, thanks to recent increase in the property prices. 
My PMI got removed. 
Bank did not paid my supplement property tax to the county, for which there was delinquency reported on my account and I have to pay the fine. When I contacted bank that why they did not pay supplement property tax, I got response that they do not pay supplement taxes. But I was not notified of that earlier. I had to pay the fine of {$350.00} due to bank 's mistake. The original amount was due onXXXX of {$3000.00} and I paid {$3000.00} on XX/XX/XXXX, XXXX. There was another amount due {$510.00} for which I paid {$560.00} After having this frustrating experience, I requested to cancel my escrow account so that I can take of my taxes by myself, since with the recent appraisal my XXXX become less than 80 %. But now bank is denying my request for escrow cancellation saying that they will apply the original appraised value at purchase date. This was also not notified to me earlier and I did not see such term in their agreement.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I have {$3000.00} in that for what exactly I don't know I would like for this to be removed out of my credit report has been affecting me and it's been here since XX/XX/2021 this has been going on for already months and brave month and it's affecting my credit like I said before
Consumer complaint received 2022-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX, my auto payment was returned, this was my fault as I had used the wrong bank account. As soon as I realized, the mistake I made a payment online. After making the payment I began receiving calls that I was past due. After talking it over, they told me that my payment I made online was for principal and did not count. They would fix the issue. About a week goes by and I start getting calls again, they state that I am past due. I explain the situation again and I look on the website and no where on the wesbite does it show that the payment I am making is for principal and not for my normal payment. I call back again to see if they fix the issue, because my online account is showing I am past due. The lady on the phone tells me that it is fixed on their end and that it takes about a week for it to be updated on my end. 

My issues are : 1. Their website does not explain that the payment goes to principal.

2. Taking a week to update the consumer facing website is too long, that should be instant.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Lease
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: Santander Consumer USA Holdings Inc. (KY)

I requested a payoff of my Chrysler Capital auto lease to purchase the car and received the payoff letter dated XX/XX/XXXX by email. The payoff included the vehicle purchase price, purchase option fee, unpaid vehicle property tax ( {$330.00} ) for XXXX, and miscellaneous fees all of which I agreed with. I sent the total payoff amount paid by cashier check issued by my bank to Chrysler Capital by courier. The payment was posted to my account XX/XX/XXXX. On XX/XX/XXXX I received a demand for unpaid vehicle property taxes of {$380.00} for XXXX. In reviewing my past account statements I found that the company incorrectly allocated my payment of {$690.00} on XX/XX/XXXX to the base lease {$650.00} and sales tax of {$39.00}. The allocation should have been base of {$350.00}, property tax {$300.00}, registration fee {$15.00}, and sales tax of {$21.00}. 
My complaint is that Chrysler Capital ( aka Santander Consumer USA ) misapplied my property tax payment in XX/XX/XXXX, collected an additional {$330.00} at the time of pay off, and is overbilling me for {$380.00}. I have told each agent I spoke with that I am in agreement that the {$330.00} was an estimated amount and that all I owe is the difference between the requested amount and the amount included in the payoff amount. My account reflects " past due '' although I paid the full amount in the payoff letter by the stated date.
Consumer complaint received 2017-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!
Consumer complaint received 2022-02-25
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. (MS)

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these fraudulent accounts on my consumer report. I demand TRANSUNION DELETE IMMEDIATELY.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

My mom applied for a loan with New American XXXX  in XXXX. Meanwhile my mom passed away on XX/XX/XXXX. We have court litigation going on because my brother created a new trust but did not fund the trust with the properties and it appears the new trust will be thrown out. 

The properties belongs to the XXXX XXXX XXXX XXXX and it is recorded revealing that I am one of the co-trustees. 

The lender did not asked for proper documentation showing that my brother is legally responsible for any of the properties ( 4 ) but yet the lender made my brother the owner just on his word. 

New American ( XXXX ) XXXX Loan Numbers ( 1 ) # XXXX ( 2 ) # XXXX I expect the lender would ask for proof such a court order before changing the ownership of the properties. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Cred at XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of { {$620.00} } the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-08-28
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)

I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however XXXX and Experian has refused with no method of verification supplied.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The companies below I don't not recognize XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX ( XXXX  ) I've never done business with this company. I don't have a contract with this company. This company has stolen my identity or have my identity without my permission. I have provided a police report they are report negative, fraudulent, unauthorized items on my credit report. I have ask for proof with my Id, signature, Signature of company representative on a contract between the company and I. How much the debt has been sold. Proof that they are licensed and bonded to collect in my state ( Georgia ). Accounting history, proof that the debt haven't been written off, discharged, and filed as a lost with the irs.
Consumer complaint received 2023-06-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Today at XXXX XXXX I received notification that my Federal income tax ( {$14000.00} ) had been deposited into my account. After arriving on XXXX XXXX Chase branch, walks inside to the ATM to withdraw a large amount and each transaction was red flag, denied transaction. I proceed to wait in line to see why I was unable to withdraw funds, I was told my income tax was available but the check was pending " even if funds states available ", I was told by branch manager due to the Chase rules. I couldn't withdraw {$5000.00} ( for a security deposit for a home for me and my kids ). WHY???? My XXXX check was just available XXXX hrs prior PENDING and release. Perfect examples on XXXX issues within the system of Chase banking system.Treats people of XXXX as criminals walking into a bank to withdraw money from my own personal account..Sickening!!!! Embarrassing me, I refuse to allow Chase banking to keep me down and hold me back from life based on my XXXX. I will still open my business this year, I will still buy my home and will still be able to use my account, just not with Chase. I can't keep wasting my time crying about how i'm being treated. Chase doesn't deserve my business, Chase is not for people of XXXX and it is what it is. I just submitted my proof of income to these ppl and can't pay for the unit.. I was allowed {$1000.00}, XXXX!!! While in the bank Chase texting/emailing stating " fraud alert ''. I can return for my transaction .Chase shall see me in court!!! XXXX XXXXXXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (KY)

I opened a joint Chase bank checking account in Kentucky, account # XXXX ( with daughter in New York ) It had unusual deposits and withdrawals causing overdrawn approximately {$10000.00}. It appeared to be an error or botched wire. Or duplicated transaction (? ). The bank informed me initially, it was an error and would be corrected within a couple of days. They would not tell me who made these transactions. Now they are asking me for the {$10000.00}. I did not withdraw this money, or ever withdraw any money from the account. It was only open from XX/XX/XXXX to XX/XX/XXXX. I only made 3 deposits in XXXX and XXXX totaling {$210.00}.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-02-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

AD Astra XXXX XX/XX/2022, {$340.00}, I was informed via another bureau that indicates the det doesnt belong to me. I also made contact with the compnay directly and they advised they sent out all necessary information regarding the validation of the debt which they found to not be mine.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (HI)

I tried to use our flight credits on XXXX and logged in on my account. Upon trying to book our trip, it didn't finalize. Instead the customer service number came up to call. So I called the number. It was XXXX customer service number but the wait time was 30 min. There was an option for call back. So I chose to call back. 30 Min later, XXXX agent called, who was a scammer and I had no idea he was a scammer. He could pull out my itinerary and knew all the passengers I was gon na book. He said the reason it didn't go through was my credits were expired but he can refund the whole amount to my credit card and I have to create a new booking at the same time to pay for this new booking. I used my bank app to send money ( 4 transactions for {$1800.00} ) through my bank app XXXX which I never heard. He told me how to do. After the XXXX transaction and hanged up the phone, he never sent me an itinerary. Then I realized I was scammed. 
I called the bank, the banker opened my case up to investigate but the bank is unable to guarantee my credits back. 
Please examine if my case will qualify to be covered by the Electronic Fund Transfer Act and Regulation E.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TX)

I have accepted and returned all documents and negotiable instrument to Bridgecrest for the full amount due for my account. On XX/XX/2022 Bridgecrest sent back copies of all documents I sent dishonoring my payment. how ever they did not return my legal tender of payment via receipt pursuant to state and federal law a debt is a discarded specie of payment if not returned within a reasonable time. They are trying to induce me in to a fraud by paying additional " united states currency '' when the debt obligation is already payed in full and that according to the bill of exchange act a negotiable instrument is commercial paper that is also currency. Furthermore, their isn't money according to XXXX XXXX so I should not be forced to pay in debt notes under duress and cohersion when federal and state laws clearly state how to endorse and tender a payment lawfully.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

Discover Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all 3 credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all 3 credit reports and preventing me from securing a home loan.

The balance on this account should show a XXXX XXXX XXXX XXXX  balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with Discover and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.