davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc. (CA)

My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor.

I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I received a {$1500.00} payday loan from CashNetusa. I've made the following payments totaling : {$1000.00} : The balance on the account is {$970.00}. This is a scam. 

XX/XX/2022 Automatic Payment ACH {$260.00} XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

Here were the terms : Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

-- -- I opened the account XX/XX/2019. 
It's been 99 days since I deposited {$10000.00} on XX/XX/2019. 

I had issues in the past with them not paying me the bonus for my other account and now it's happening again. I reached out multiple times over social media, secure message on the bank website and phone calls. I tried escalating the issue as well. 

Thanks, XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Om XXXX I made an ATM deposit of {$500.00} through Fifth third bank. I received an error message asking me to type in how much I deposited. I typed in {$500.00} and did not receive any type of receipt or anything just a number to call. I called them right away to let them know that the atm took my money and then gave me an error code. They told me they would open up a claim and let me know in 45 days the outcome?! The next morning they gave me a provisional credit of {$500.00}. Today, on XX/XX/2022 I wake up and find my account in the negative! I immediately called the bank to see what was going on! They told me they rejected my claim because the atm machine was not over in there count for that day! I am livid. There are cameras all over that ATM machine that can clearly see me depositing the money. They tell me the only thing they can do is reopen the claim and have another " investigator '' look into it! This is the worst bank I have ever in my life dealt with. Now I have to wait another 30 days while they investigate and now my account is in the negative! I have been robbed and it's my word against them since they can't bother to look at the cameras!
Consumer complaint received 2020-11-11
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: CBC Companies, Inc. (PA)

XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (MA)

I turned my lease in on XX/XX/2019. To the Hyundai dealer. On XX/XX/XXXX I sent the vehicle return receipt to Hyundai motor finance, XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX, to request an abatement on the property tax I paid. I sent in the plate return receipt on XX/XX/2019, I have talked to 4 people since then on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They say they have all the paperwork but nothing is updated on the system for a refund. The last lady I spoke with XXXX was very rude. She said it can take months to get a refund. That is unacceptable. I do not know what else to do. Please help. The personal tax I paid was XXXX. I know I will only get part of that back. Thank you XXXX XXXX
Consumer complaint received 2022-12-03
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

Dear CPFB, I closed on my new home XX/XX/2022. After closing, my initial payment was reduced ( please see attached supporting documents ). On numerous attempts, I have tried to make sure that my tax liability was correct and that the {$98000.00} was the tax assesment for XXXX 

After multiple attempts to speak with a mortgage expert, my mortgage has changed three times. However, I can not get help through PNC. I am very confused. I spoke with the XXXX and was advised to contact this agency. It is my hopes that CFPB can help me get this issue resolved. 

With sincere appreciation, XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXXAcct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2019-07-31
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. (TX)

I have contacted transunion and XXXX numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against Transunion and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Consumer complaint received 2022-07-05
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XX/XX/XXXX # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXXXX/XX/XXXX XXXX Ct XXXX XXXX XXXX EQUIFAX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

My Mortgage was purchased. PHH Mortgage Services is the service company for my Loan. When I purchased the home through the original mortgage company ( Bank ), I was not required to have flood insurance. The documentation in the closing documents demonstrated the fact that the existing structure, is not affected and is not in the flood plain. 

PHH Mortgage is now stating that I have to have flood insurance. They are threating to force-place flood insurance even though I have supplied the supporting documentation. They will not respond to emails and are heavy handed. 

I do not see how PHH Mortgage can now change requirements or what was agreed upon previously. In making the legal transfer of a right, I do not see how they can now require the flood insurance. If they would have carefully looked at the closing documentation they should have seen that flood insurance was not required.
Consumer complaint received 2022-03-21
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I sold my truck after having XXXX put a new engine in my vehicle.A week later the engine light turned back on. This should have been my red flag to disassociate myself from the XXXX brand. With my XXXX  issues, I decided to lease a vehicle to prevent maintenance issues and concentrate on my health. 
After a year of having the vehicle, XXXX mails me a statement requesting approx. {$900.00} which includes a monthly payment and two years of personal property taxes and they sent another statement from the City of XXXX stating I should pay this bill. Not only did they send me a bill but they also charged my account. As a result, I sent a payment to the City of XXXX only to have them return those funds. Once again, not feeling well I just wanted to satisfy the debt because I had never been late with car payments or tax payments. I had to pay personal property for the car I sold so why am I paying for the entire year of 2016 when I took possession of the vehicle in XXXX. Why isnt that prorated? 
Why is this company gathering all personal property taxes and sending it to me? I am financially drained ; hence why I leased a vehicle. This is my first and last time leasing a vehicle at least with XXXX. This has been a very stressful experience. Once this lease is over I will never step on a XXXX lot ever again.
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 — Personal information incorrect
Company: MIB Group, Inc. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Consumer complaint received 2019-10-17
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CA)

I called Chase Auto Financing on XX/XX/2019, and requested a payment deferment ( which they call a payment extension ) of my XXXX payment. I asked about the deferment the month before and was given instructions on what to do and I was told month nine was the month I could request a deferment. When I called to request the deferment, I was told that I did not have to give a reason for why I wanted to obtain a deferment, but soon after that statement, I was immediately asked afterward what was the reason I wanted the deferment. Why say this and then ask anyway. I stated that I needed it for an emergency financial difficulty I was experiencing and that I also wanted time to refinance the car. I was immediately denied and told by XXXX, the rep and by XXXX the supervisor- ( XXXX ) I did not meet their qualifications. I asked what the qualifications were and I was told by the agent and a supervisor I spoke to that they could not tell me what the qualifications were. I asked why they were hiding the qualifications and not providing the customer with an explaination and was told again that they were denying my request and did not have to give me a reason. 
I received a letter from them dated XX/XX/2019, stating they reviewed my request for a payment extension, but unfortunately can not approve it because my inability to make full payments has not been demonstrated and no consumer credit report was used in evaluating my request. I have no idea what they are speaking of because I have paid every payment in full. I paid the last 2 or 3 payments late, but not over 30 days late, due to my emergency financial situation. I was trying to get back on track, which is why I asked for a payment deferment.

I have had many cars in my lifetime and I have been offered payment deferments without requesting one from several finance companies, without there being and emergency. They always let me know it was there if I ever needed it, even though I had not requested it. This situation does not sit well with me and I want to know why I was denied and what the qualifications are, because the reason they gave couldnt be further from the truth. I have also enclosed the letter that was mailed to me.
Consumer complaint received 2023-07-24
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: DISCOVER BANK (NY)

Approximately XXXX months ago, I sent a letter to Discover Financial Services via the U.S. Postal Service at the address provided on my XXXX credit report ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to report two unauthorized inquires on my credit report ( XX/XX/2022 and XX/XX/2022 ). 

Approximately 2-3 weeks later, the letter was returned to me by the U.S. Postal Service as " Undeliverable ... Addressee not at address. '' I then phoned Discover Financial Services and was told that the inquires would be removed. The inquiries have not yet been removed.
Consumer complaint received 2021-03-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CT)

Dear Sirs : On XX/XX/XXXX, I received an affidavit from XXXX Law Firm, representing XXXX XXXX  XXXX, XXXX, which holds the reverse mortgage on my home, telling me that this reverse mortgage, taken out by my father early in XXXX, was not covered by federal money, thereby leaving me unprotected from foreclosure or eviction action, protection guaranteed by the Coronavirus Aid, Relief, and Economic Security Act ( " CARES ACT '' ) of XXXX. 
I immediately contacted Reverse Mortgage Solutions, which keeps records of all reverse mortgages provided in America, asking for proof that my late father 's reverse mortgage was indeed covered by federal money. The company representative to whom I spoke asked me to send a formal request for this information, which I did in an e-mail of XX/XX/XXXX. I also sent a fax of a printout of this same e-mail on XX/XX/XXXX, and a registered envelope containing another printout of this letter to Reverse Mortgage Solutions, and have received receipts from Reverse Mortgage Solutions, proving that they have received each and every one of these requests, all legally completed and done in accordance with company standards, and was told that I would receive the desired -- and most necessary and vital -- evidence by early XXXX, XXXX, but I have yet to receive this most vital information. Whenever I call the company at XXXX, I am always told that the information will be sent to me, but I am still awaiting its delivery. I demand the information be e-mailed to me, as I have all of the evidence necessary to prove that my requests for it were indeed received by Reverse Mortgage Solutions , Inc., and requested entirely in accord with their demands for obtaining it.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The Fair Credit Reporting Act is a federal law designed to protect consumers against unfair credit reporting practices and protect credit privacy. The act governs the consumer reporting agencies and those who access consumer credit reports. The general purpose of the Fair Credit Reporting Act is to ensure that these agencies are FAIR, ACCURATE, AND EXHIBIT CONFIDENTIALITY in his or her credit reporting methods. The information being reported on my credit is not ACCURATE in regards to Credit Acceptance, they have committed fraudulent activity based on the contract they sent to me, everything is completely different in comparison to the original contract that i posses, according to the credit bureaus they have to report accurate information and if not they must remove the item from my credit reports, i would like CFPB to verify my original contract in comparison to the made up contract they have, and once it proves invalid request this item to be removed from my credit.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

In response to my dispute over ONE FALSE ACCOUNT being reported by Equifax, they investigated 19 unrelated accounts in my records THAT I NEVER ASKED THEM TO DO. 
In doing so, they removed accounts that were important since they showed my credit history. I have a 28 year credit history, however because of these unauthorized actions taken by Equifax, they are now claiming my credit history is only 2 YEARS! THEIR UNSOLICITED ACTIONS LOWERED MY CREDIT SCORE. Why would I ask them to " investigate '' and/or remove all these former accounts that were all closed in good standing? I would never request this. So, why did they mess up my records for no reason? They also NEVER ADDRESSED THE ONE ACCOUNT I WAS DISPUTING! I do not appreciate them ignoring my actual request, then opening up 19 unnecessary investigations that served no purpose. My letter to them was VERY CLEAR and it was impossible for them to confuse an investigation of one specific account with all my other past & present accounts. THEY DID NOTHING TO RESOLVE MY DISPUTE. INSTEAD, THEY MESSED UP ALL MY OTHER ACCOUNTS AND CAUSED MY SCORE TO DROP. This is a violation of my FCRA rights. They even wrote on my dispute results that my " dispute was not specific ''! It most certainly was specific. The problem is that they can not distinguish what a basic dispute is or isn't!