davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (HI)

I pay an extra {$250.00} week on my mortgage to be applied to principal. Fay servicing puts it it into a suspense account until i ask them to move from suspense to be applied to pricipal. 

The checks are clearly marked to be applied towards principal. I pay extra to reduce the interest paid yet and they continue to put funds into a suspense account. 

I would like to have the mortgage recalculated to have these payments applied upon receipt to reduce the interest paid
Consumer complaint received 2017-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried about 10times already to remove inquiries that was not authorized by me or I was aware of. XXXX and XXXX have done so however TransUnion is a lost cause. I have told them they were not done by me I have called the companies each over an over but they tell me to call the bureau back to dispute since there is nothing on file on me however I have done that so many times Im sick of it already. Please remove these inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX SYXXXXCB XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-11-08
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. (FL)

The two accounts that's reporting on my credit file XXXX XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MN)

My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX XXXX. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC (VA)

During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received notice of a credit inquiry on my Transunion report, dated XX/XX/21, from XXXX XXXX. I didn't apply for anything. I contacted XXXX, they say they have no record of this, but when I contacted Transunion they said there was definitely a " hard '' inquiry with my SSN, etc.
Consumer complaint received 2019-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Trying to get a straight answer from Experian and XXXX is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and Experian I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below :   XXXX    days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-12-03
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. (MI)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2021 I was on a XXXX XXXX flight when I was given a promotion for a XXXX XXXX XXXX credit card issued by Barklay Bank.

I called Barklay Bank today, XX/XX/2021 to access this promotion. I was told I could not access that offer via telephone and that they were not offering the promotion online either. I received the brochure and there was no written application attached. I asked to speak to a Supervisor and was told no one was available. I believe this to be deceptive advertising. The agent at Barkclay Bank offered me a different promo with different benefits that were different from those listed on the brochure. 

I am attaching a copy of the brochure I received. 

XXXX XXXX XXXX XXXX. XXXX. XXXX
Consumer complaint received 2022-10-11
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. (AZ)

In accordance with the FCRA account # XXXX, XXXX XXXX XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I have 3 checking accounts with Pacific Premiere Bank. One of the checking account number is XXXX XXXX XXXX. Check 619 ( attached ) was dated XX/XX/2021. XXXX XXXX XXXX and Pacific Premiere Bank processed that above check 619 on XXXX one day earlier - thus causing {$35.00} NSF fee at Pacific Premiere Bank. Check is a legal NEGOTIABLE INSTRUMENT negotiating on the exact date. Pacific Premiere Bank should have denied acceptance of the check 619 ( attached ) before the actual date XX/XX/2021. This is Pacific Premiere Bank 's willful error.
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Consumer complaint received 2020-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IN)

XX/XX/2020 There are several complaints on this company for communications tactics on your database. They still have provided enough information that I have requested several times and they have not provided. I've submitted several complaints and they chose to ignore the FAIR CREDIT ACT. So what can be done about them?
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

THE COMPANY AMSHER COMPASSIONATE COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc. (CA)

Off note, I have been a victim of identity theft since XX/XX/XXXX. On XX/XX/XXXX, after reviewing my credit report on XXXX, a credit monitoring agency, I discovered a student loan was opened on XX/XX/XXXX from XXXX for {$1500.00}. In addition, several other credit applications were attempted. Neither of these were completed by me. I contacted XXXX and they advised me that this was a student loan and the original creditor was for XXXXXXXX XXXX XXXX University. Someone other than myself, wrongfully used my personal information to obtain a line of credit. On XX/XX/XXXX, I filed an identity theft report with the XXXX XXXX XXXX Police Department. On XX/XX/XXXX, I complied with XXXX and submitted an identity theft claim. XXXX resolved my claim and advised me that I am still responsible for paying the loan and advised me to contact XXXXXXXX XXXX XXXX University. On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX University ' Student Financial Services who emailed me an identity theft report to complete. I received unsolicited help from a local attorney XXXX XXXX who reviewed my situation and wrote a letter to XXXX. I was advised by this local attorney that I should stop responding to XXXX and my credit history was in good standing. 

In XX/XX/XXXX, I joined XXXX  Credit Score and Report and discovered that I have a collection debt from National Credit Management for {$1900.00}. Original Creditor is XXXXXXXX XXXX XXXX University and the date reported was on XX/XX/XXXX. I disputed this with XXXX  who investigated, resolved the dispute and removed the collection debt from my credit report and reported this to the other credit bureaus. 

In XX/XX/XXXX, I contacted XXXX to dispute a collection debt for {$1900.00}. Again original creditor was from XXXXXXXX XXXX XXXX University and also disputed an address that was found on my credit report with XXXX  that I have been trying to ask them to remove because I have never lived or used that address which subsequently is linked to the credit debt. After XXXX  poorly investigated my identity theft claim, they denied my claim and kept the credit debt and address on my credit report. I am asking for help and advise to justify this. It's very frustrating and time consuming when these companies do such poor investigation and tell you that you're responsible to pay for some loan you never applied for!
Consumer complaint received 2021-04-15
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. (CO)

I sent requests XX/XX/2021 CERTIFIED to Experian, XXXX and XXXX 1to investigate the negative accounts on my credit report and they have yet to respond. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Consumer complaint received 2019-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have sent a complete pack of information to Equifax. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (VA)

Applied for a United Airlines credit card through Chase Bank. Applied XXXX different times. 
Received letterS stating XXXX has an extended alert on my account and to call them. 
Called XXXX- they state there is no such alert on my account. 
I have called XXXX on XXXX separate occasions over the past month. 
I have spoken to Chase Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
XXXX now says to call Chase and have them call XXXX. 
Chase says to come into a branch office for some reason. 
I need to be sure that XXXX will not be giving out bad information. 
Feeling frustrated and caught in the middle.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION (FL)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?
Consumer complaint received 2021-11-17
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (CA)

Ive been a victim of identity theft someone is using my information and has a car loan and two credit cards with my social security number I filed for a dispute with XXXX XXXX  and others but the suggested to also file a report with you guys.