davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). 

When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC (PA)

Billing Department Alliant Capital Management XXXX  Phone : XXXX Fax : XXXX This company harassed, bullied, tried to intimidate me, and threatened me XX/XX/19. I have no idea who they are. They said I worked for XXXX, I never worked for them. I said I am XXXX. They said they will report me to XXXX. Said I can't double dip. I have no idea what they are talking about. My case is on appeal. I am not receiving anything yet. Basically, all the things he said was not true, and he was not listening to me.
Consumer complaint received 2023-08-11
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. (OH)

One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being.

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered.

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects.

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC (NJ)

I was offered a {$3000.00} loan, then reduced to {$1300.00} to start paying end of the month, and then every 2 weeks to coincide with my pay day, just after 2 weeks they made 1 withdrawal and now they intend to withdraw every Friday
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: West Realm Shires Services Inc. (FL)

Over two years ago I put money into FTX.US, a crypto exchange site. 

The amount put in was {$10000.00}. 

Some money was put into bitcoins, etc. 

Over {$9000.00} remained in their interest-bearing money market that exceeded the yield elsewhere. 

It had additional security through the 'XXXX XXXXXXXX ' app. 

The app ( XXXX ) stopped working and I immediately notified FTX.US about one hundred times or more. 

These communications were through their site only. No other way to make contact. 

Two years, or more, later I still can not access my account, nor do I know if my XXXX money is gone or if my crypto is gone. 

Please, investigate this. This money is most important to me now. 

Thank you very much, XXXX XXXX
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc. (MD)

I am writing because XXXX XXXX has foreclosed on my home using what I believe are fraudulent documentation.

They submitted a Deed of Trust that is not even recorded in the county, it does not bare my signature. Once I pointed that out to the court they then went to the county and submitted my deed of trust that is recorded in the county. Please see their motion attached. They also are a debt collector claiming to be the secured party and foreclosed on a debt they claim is twelve years old. They foreclosed on a debt they claim defaulted in XXXX, which exceeded the statute of limitation. Even if they were the secured party ( which I believe they are not ) they are trained and should be familiar with the statue of limitation as they are registered debt collectors. This is why I believe they have committed theft over {$300000.00}.

Just because a foreclosure has taken place does not mean it's a legal foreclosure and that no crime has been committed.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX TransUnion, XXXX  and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (KY)

I tried to pay them but they rejected my payments saying I had insufficient funds, however, I have documentation that I had nearly twice the funds available in my account. They did this on two occasions, charging me {$30.00} fees and refusing to refund those fees. If theyre doing this to me theyre doing it to many people. On one occasion I attempted to pay {$1400.00} with {$3300.00} in my account, and on the second occasion I attempted to pay {$240.00} with over {$9000.00} in my account. I didnt have insufficient funds, but they did it to charge me extra fees. I took the loan out XX/XX/23 and made the first {$1400.00} payment XX/XX/23 and paid in full by XX/XX/23.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have inaccurate addresses appearing on my Experian and XXXX XXXX credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.
Consumer complaint received 2018-01-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.
Consumer complaint received 2019-01-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

I have an open collections account on both XXXX and XXXX credit reports with PMAB in the amount of {$210.00}. 

In XX/XX/XXXX I called and made a {$50.00} dollar payment, requesting that the money be credited to the {$210.00} balance. The PMAB Representative told me I would receive are receipt for my payment via email. I never received my receipt. 

The account was reported again on XX/XX/2018 as {$210.00}, as if the payment had not been made.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

My credit score on XXXX and XXXX is around XXXX. On Experian it is significantly lower, XXXX. Experian has previously told me that in order for them to raise it I have to sign up for their service. My score remains about XXXX points below the other two agencies yet all the information is the same. I asked for information as to why this continues and Epxerian has refused to respond to my two requests. They did send an email for a survey of how they did handling my issue. They never handled the issue. 

I understand that scores will vary but they should be close. It seems that XXXX points is significant and that my score is being lowered because I will not pay for their services or sign up for additional services.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-24
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. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Status : Answered XX/XX/XXXX THE SALEMAN SOLD ME A CAR I DIDN'T WANT I CAME TO BUY A XXXX XXXX ON A GUARNTEE OF 3 DAY CANCELATION IF I WAS'NT HAPPY AND IS WHY I AGREED TO BUY AND IT WAS XXXX BELOW ******** A XXXX   XXXX I CAME TO PUT XXXX DOWN THEY TALK ME INTO XXXX ... UPON SIGINING ***** IS DOING THE CONTRACT ..THAT IS STACKED WITH A DISCLOSER TO DECLINE THE 3 DAY CANCELATION WITH OUT SAYING ANYTHING ABOUT THIS IS TO DECLINE THE 3 DAY CANCELATION THEY GUARNTEE AND WAS THE REASON I PURCHAED THE CAR AND THE SELLING POINT FROM SALESMAN THIS WOMAN IS TRAINED BY MANAGMENT TO DO THIS AS SHE TELLS HER LIFE STORY AND SAYS INITIAL AND SIGN PAPERS AND COMMITS FRAUD FOR THE OWNER WHEN SIGINING I HAVE TO TRANSFER XXXX TO MY CHECKING FROM SAVINGS I FIND THIS OUT AFTER CHECKING MY BANK ACCOUNT TO FIND OUT THAT SHE TOOK XXXX AND MY OVERDRAFT COVERED IT ... I DROVE THE CAR BACK TO RETURN AND THEY WERE VERY RUDE AND UNPROFESSIONAL WENT RIGHT TO THE PAGE I HAD NO KNOWLEDGE OF SIGINNING AND TOLD ME GET OUT WELLS FARGO PROVISIONED THE XXXX TO MY ACCOUNT AFTER I RETURNED THE CAR AND BOUGHT A XXXX THE NEXT DAY AND EVERYTHING WAS CORRECT THEN I SEE XXXX MISSING ON XX/XX/XXXX I WENT INTO BANK BRANCH TALKED TO MANAGER AND HE SAID THAT THE DEALERSHIP WOULDNT GIVE THEM THE XXXXSO THEY TOOK THE XXXX BACK PLEASE HELP ... 
THANK YOU, XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Response XX/XX/XXXX *** ****** purchased a pre-owned vehicle from us. He signed a contract and all other legal documents. He purchased the car and drove it home. At some point he had buyers remorse and decided he did not want the car anymore. 

*** ****** did not purchase the recision agreement. In fact he declined it on the contract. You cant just return a car because you dont want it anymore after taking home. We are sorry ** ****** is upset and would be more then willing to help him trade it in for something else he wants.
Consumer complaint received 2022-08-27
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. (AL)

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 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (LA)

Original complaint yielded unsatisfactory results. While I appreciate the prompt response from the company, there are discrepancies in their information. Ditech states that the debt should remain on my credit report until XX/XX/XXXX ; however, when disputed through XXXX  the company updated the date to XX/XX/XXXX, and now it is XX/XX/XXXX again. Also, in correspondence dated XX/XX/XXXX from Ditech, it states that they can not legally pursue the debt because it is past the statue of limitations, which is correct and therefore it should be removed from the credit report. Also, I have not made any payments in cash or to Ditech and would like an original ledger from XXXX with deposits or copies of checks for payments that they are stating have been made from XX/XX/XXXX-XX/XX/XXXX( I will contact my financial institution as well ). Lastly, the transaction record provided doesnt match the credit report ( it was uploaded with the original complaint ) and the delinquency record provided on the credit report. Thank you.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

In XX/XX/2016, I rented a vehicle from XXXX XXXX XXXX XXXX  The day of my departure, when returning the car, I entered the wrong bay because the signs were positioned incorrectly. As I attempted to exit the bay, the grate was raising before an employee could assist me. This was a traumatizing experience ; I spoke to the manager and he created an incident report and gave me a phone number to contact the executive offices when I returned to XXXX. I called the next day and there were several times we communicated throughout XXXX. In earlier XX/XX/2016, this incident was resolved. At least I was led to believe it was until I received a collection notice from Transworld Systems Inc, in the amount of {$3800.00} with a statement included stating the following ; If you have an income tax refund, perhaps you can use the proceeds to pay this account. Four years and seven months later, this the first time I am being notified through a collection notice. I stated in my dispute letter to Transworld Systems, I was led to believe this incident was resolved, therefore, there was never a need to contact my insurance provider or my attorney for legal counsel, my statue of limits has expired. This is unacceptable and I feel this attempt should not be allowed after four years and seven months, especially during a pandemic. I realize that the rental companies have been hit hard, however, do not try and resurrect an incident that was resolved.
Consumer complaint received 2019-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (NC)

XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.
Consumer complaint received 2019-01-06
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)

After my initial complaint against Transunion the result was still still not verified they keep saying the account XXXX XXXX XXXX XXXX has been verified the company has failed to respond to me under the FDCPA and Transunion has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved
Consumer complaint received 2019-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above. 

This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems. 

They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount. 

Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.