davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX XXXX, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/XXXX in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Consumer complaint received 2022-05-18
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. (MA)

Upon reviewing my updates, incorrect information was found in my reports. The Experian 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I had an unauthorized purchase for {$1700.00} on my AMEX credit card to XXXX which is a online furniture store on XX/XX/XXXX. This transaction was clearly fraud and as of today AMEX has not given me a credit back on my account. I received a transaction alert on XX/XX/XXXX around XXXX. When I saw the alert I immediately contacted AMEX and reported the fraudulent transaction. Advised them that I still had possession of my card but someone used it for an online purchase. They canceled my card and issued a new one and said the amount would be reversed. About a week later I had a credit on my account for the {$1700.00}. After two weeks of the credit sitting on my account with no offsetting debit I contacted AMEX to inquire about the offsetting debit to clear up my account. Their employee noted the account that I authorized the transaction and they charged my account twice. One to clear the credited amount and another one that put the balance back on my account. I contacted AMEX again on XX/XX/XXXX, again XX/XX/XXXX, again XX/XX/XXXX and again XX/XX/XXXX to get the transaction off of my account. They keep giving me the run around that they file a fraud case but every time I follow up they tell me the fraud case was closed but no credit processed to my account. In the meantime they are reporting this balance to the credit bureau and it dropped my score 10 points because it shows a balance against the total credit limit. We are applying for a mortgage loan and we have excellent credit but because of the score it is having an impact. AMEX is violating the Fair Debt Billing Act. Please help!
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC ()

I am writing to lodge a formal complaint against United Wholesale Mortgage ( UWM ), an escrow service provider, for serious mismanagement of my escrow account and mortgage payments, leading to substantial financial harm and the risk of losing my home. Despite multiple attempts to resolve these issues directly with UWM, their persistent negligence and failure to adhere to explicit instructions necessitate regulatory intervention. 

In XXXX, due to financial hardships exacerbated by the pandemic, I enrolled in a tax relief program to manage my property tax payments. Despite informing UWM of this arrangement and explicitly instructing them not to make tax payments from my escrow, UWM disregarded this directive, leading to unnecessary withdrawals for taxes, late fees, and penalties. It took extensive communication and the threat of reporting their actions before UWM partially refunded the overpayments. 

In the subsequent year, amid ongoing financial difficulties, I was accepted into a mortgage relief program. I provided UWM with all requisite documentation and repeatedly confirmed, including through multiple phone calls, that my mortgage payments should not be made through the escrow during this relief period. Contrary to these explicit instructions and documented agreements, UWM made unauthorized payments, jeopardizing my financial stability and placing my home at imminent risk of foreclosure. 

Furthermore, the mortgage relief program disbursed over {$32000.00} to bring my account current and assist with my hardship, yet UWM failed to apply these funds as intended. Despite assurances that my account was current, I later received notifications of delinquency without clarity on the application of the over {$32000.00}. My requests for a thorough investigation and account review have been met with indifference, with each interaction marred by a lack of continuity and accountability from UWM 's representatives. 

This pattern of behavior by UWM demonstrates a blatant disregard for consumer rights and financial regulations, warranting a comprehensive review by your agency. The financial and emotional toll of UWM 's actions, coupled with the looming threat of foreclosure, underscores the urgency of this matter. 

I request your agency 's immediate intervention to investigate these grievances, ensure UWM 's compliance with applicable financial regulations, and mandate appropriate corrective actions to remedy the harm caused. Enclosed are copies of all relevant communications, documents, and evidence supporting my complaint. 

Thank you for your attention to this critical matter. I am willing to provide further information as needed and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-27
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (NC)

On my personal credit there are business credit card inquiries that should not be there. 
Experian XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 2021
Consumer complaint received 2019-02-13
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. (CA)

I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Where do i begin. 
this collection agency apparently uses underhanded tactics to try to collect on a debt. It is bad enough that the company that used these people services claim i owed a balance after they messed up my XXXX  work however this debt from since XXXX they are trying to collect on in XXXX. Pressler, Felt & Warshaw is the company. They had a court officer ( mind you i never knew i was sued or had to appear in court until years later after they kept having the court officer levy my bank account, they would have the court officer send my personal information including my social security number to all these banks and hope one would give a response. This is fraud. or it should be considered fraud. I am a victim of identity theft and it has taken years to fix what someone has damaged. By these people sending my information freely to banks this is wrong. all to collect some old debt. I have had to close bank accounts, etc however they are relentless. They come forcing me to make a payment arrangement when i do not feel that i should have to pay for this. It is wrong. with how many criminals they are nowadays, for them to blatently send my information which looks like an old photo copy to people is wrong.
Consumer complaint received 2022-05-18
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: RMS-Recovery Management Services, Inc. (MD)

My name is Name, a federally protected consumer, and I am making this complaint against Recovery Management Services, for committing identity theft. I have never given Recovery Management Services, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Recovery Management Services any right to collect on this alleged debt.

I have never received any documentation requesting validation from Recovery Management Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Recovery Management Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Recovery Management Services
, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Recovery Management Services, continues its collection efforts, I will file for litigation for actual damages caused and Recovery Management Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-06-10
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. (NY)

Transunion has failed to remove government loans from my credit profile. I have sent them XXXX and XXXX paperwork as proof of loans being paid however they still fail to remove off my credit report. 

I applied for a housing program and was denied. Please view documents of loans on my credit report and the loans paid in full.
Consumer complaint received 2022-05-16
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: AMERICAN HONDA FINANCE CORP (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX account number 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 2022-05-16
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX account number 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 2022-05-16
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: Santander Consumer USA Holdings Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-16
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. (SC)

I notified XXXX on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. XXXX responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is XXXX responding asking for 60 days. The extension for Covid 19 has ended.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WA)

Several years ago our home went into the foreclosure process ( per Wells Fargo, we were required to do this in order to be considered for a Loan Modification ). Wells Fargo took months to handle the Loan Modification process and just 3 days before our home was set to be sold in Foreclosure, they overnighted us documents of the Loan Modification and told us we had 2 days to sign or our home would be sold. In those documents we were required to take on an additional $ XXXX in debt which was simply described to us as 'fees ' and we were not provided with details on those fees. When I attempted to get documentation, they said " sign or your home will be sold ''. My complaint is that 1 ) we were never provided details on what expenses we were taking on ( although we repeatedly asked ) 2 ) We were not provided adequate time to consult with an attorney 3 ) We were bullied into signing & taking on debt or we would lose our home 4 ) Wells Fargo intentionally created the 'just in time ' event by refusing to handle our loan modification request until it was 3 days prior to sale.
Consumer complaint received 2021-07-22
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: ERC (TX)

This debt does not belong to me. I have no dealings with Enhanced Recovery and have no business with them. I have never been notified regarding this debt. I found out about this unauthorized debt when I checked my credit report. These debt collectors are not following the laws. They are just buying debt to damage a person 's credit report without properly verifying the debt and the accuracy.
Consumer complaint received 2022-10-13
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. (CA)

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX 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 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank has not accurately informed the credit bureaus of the actual monthly payments that I had made going back over the last year and a half. It not only list inaccurate information on my account but also inaccurate payments I made on an immediate family members account. Some months it states, according to my credit report that I missed payments when I didnt.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (AL)

Received a call from a company called " Medical Revenue Collections '' at Number XXXX. I was unaware that I owed a debt, so I called the institute, XXXX XXXX XXXX XXXX in XXXX XXXX, AL to ask. I DO owe a debt, but the collectors they use are " XXXX XXXX '' at XXXX. I feel these people are trying to falsely collect my debt. When I told the lady I contacted the institute where I received service and they told me where to go, she got very rude, and told me " well, you had better watch your credit then! ''
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (SC)

I notified XXXX on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. XXXX responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is XXXX responding asking for 60 days. The extension for Covid 19 has ended.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed down merchant account for no reason and/or explanations. Aside from not being able to process payments, they are withholding a reserve of {$600.00} and have not paid out the {$750.00} promotional bonus. I have also been charged twice for two readers when only one was needed.
Consumer complaint received 2019-08-27
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2022-05-16
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. (PA)

I sent a certified letter on XX/XX/2022 to remove personal information that I dont want on my credit report. According to the Fair credit reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party individuals. These are clear violations of my federally protected consumer rights.