davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (AZ)

I received a {$600.00} credit line, the first payment was in the amount of {$78.00}, in XXXX XXXX, then the following payment as ACH in Line of Credit Summary Credit Limit Current Balance info Available Credit {$600.00} {$720.00} Balance Due {$40.00} available credit line Make a Payment Request a Draw Account Summaryactioncarot Last Statement Date : XX/XX/XXXX Minimum Payment Due : {$110.00} Payment Due Date : XX/XX/XXXX Pending Draw Requestinfoactioncarot -- -- Recent XXXX XX/XX/XXXX Payment ( {$110.00} ) XX/XX/XXXX Draw {$600.00} XX/XX/XXXX = Credit Limit : {$600.00} Outstanding Principal Balance : {$580.00} Available Credit : {$20.00} Minimum Payment Due : {$110.00} Due Date : XXXX XXXX XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$740.00} New Balance : {$760.00} Fees ( Billing Cycle Charges ) : {$180.00} Advances : {$0.00} Payments and Credits : {$75.00} Fees ( Billing Cycle Charge ) : {$90.00}, XXXX payment/Balance : Credit Limit : {$600.00} Outstanding Principal Balance : {$600.00} Available Credit : {$0.00} Minimum Payment Due : {$110.00} Due Date : XX/XX/XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$650.00} New Balance : {$740.00} Fees ( Billing Cycle Charges ) : {$90.00} Advances : {$0.00} Payments and Credits : {$0.00} Fees ( Billing Cycle Charge ) : {$90.00} So after all these payments, they are only applying XXXX to credit line and charging XXXX a month for fees and interest, and the balance keeps increasing! 

This is the most predatory type of lending I have ever seen. The agreement you sign has no way for a consumer to catch up, they keep adding to the balance as follows : The payment amount due each month is based on your balance, so since they keep adding to the balance, your payment is going to be higher each month, and they keep increasing the fees. If I took 12 months to payoff a {$600.00} credit line- their XXXX fee ( minimum ) XXXX XXXX  {$1000.00} fees for a {$600.00} loan. This is extortion predatory lending at it's worse. I will be happy to upload and provide you with the agreements, arbitration agreements to their favor, etc.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Selene Finance LP (VA)

This is currently with a new loan servicer. I believe that this property was paid off in 2006 and for some reason another mortgage was issued and this is the current servicer of the loan. I am requesting that original documentation be presented associated with this loan and balance.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (AR)

My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score 140+ points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was 100 higher just due to these unknown fees.
Consumer complaint received 2019-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stephen Einstein & Associates, P.C. (NY)

I had debt through XXXX XXXX  that was passed on to Stephen einstein & associates law firm. Now fast forward to the date of XX/XX/2019 I received notification from my payroll that a garnishment has started coming from XXXX XXXX through Stephen Einstein & associates law firm. I reached out to the law firm via telephone on the same date and spoke to a person by the name of XXXX XXXX who became very rude and placed me on numerous holds throughout the call because he felt as I quote " if you are not going to let me talk I am just going to put you on hold '' to try and find out where was there notification being sent out to my address about this judgment against me and possible garnishment. He stated that it was sent to an address which i have no knowledge of and was not my address. He then stated that the process had already started that there was very little I could do and they got and i can send in a paystub now to them to see if they could lower the garnishment payments. Proper action wasn't taken by this law firm to even reach out to me the person about the debt, judgement, and garnishment that would start.
Consumer complaint received 2016-12-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.
Consumer complaint received 2019-07-02
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: SYNCHRONY FINANCIAL (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : SYNCB/JC PENNEY, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX .
Consumer complaint received 2019-04-25
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. (LA)

Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-21
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. (OH)

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX  XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX  AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was changing my insurance policy. The old policy was to end on XXXX. The new policy was set to take effect on XXXX. Fifth Third, our mortgage company was informed of the change by my insurance agency, XXXX XXXX XXXX XXXX. They were also given the address to send the payment to out of our escrow. They sent the payment to the wrong address. Therefore, we did not have insurance from XXXX until it was discovered on XXXX. We immediately purchased insurance. It was a higher price because of the lapse. A difference of {$830.00}. I immediately contacted Fifth Third. They acknowledged the mistake on their end.I have talked to them several times and they keep saying they will call me back. They have never called me back and its been over 4 months.We are asking them to pay the difference of {$830.00} and take care of the lapse in coverage fees they are trying to impose on us. Enclosed is the policy that we were never able to get, the policy we had to buy, and the latest letter we received from Fifth Third asking us to pay for insurance during the lapse. The last supervisor I spoke with was XXXX XXXX. XXXX is the email he gave me. He has never responded to any of my emails. The last time I spoke with Fifth Third I told them I was filing a complaint. 

Thank you, XXXX " XXXX '' XXXX
Consumer complaint received 2016-11-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (MA)

The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I purchased a house and the closing date was XX/XX/XXXX. The mortgage had a {$620.00} loan origination charge to buy a quarter percent lower interest rate. There were so many errors, issues and problems with the closing documents ( far too many to detail here ) that delayed the closing. Because it caused so much extra work for my attorney and so much stress on me and additional costs in attorney fees, the mortgage banking consultant at FNB ( First National Bank ) XXXX XXXX ( NMLS # XXXX ) called me late in the day of the closing and told me that FNB will be refunding the {$620.00} loan origination charge because of all of the errors. He said it would not be a refund or check and that it would be a credit applied to my mortgage on the principle. Mr XXXX even said they would credit any interest that has accrued on {$620.00} since the closing. Ever since the XX/XX/XXXX closing, I have talked to, texted and emailed XXXX XXXX numerous times to check on the status of the credit and it still has not been credited to date as of XX/XX/XXXX. It's been almost a year since the closing and he will no longer call me back or respond to my texts or emails. He is very careful and cunning and makes sure to never put anything in writing and only responds verbally over the phone. Mr XXXX even stated to me over the phone that he is not making any money since my loan closed and said he doesn't want to spend any more time trying to resolve the {$620.00} credit for me because he has other mortgages he needs to take care of now. Mr XXXX has given me numerous dates over the past year of when the credit would be applied but all of those dates have come and gone with no credit. He told me numerous times that he is just waiting on a signature from a supervisor and the credit would be applied as soon as his boss XXXX XXXX signed it. The last time I spoke to Mr XXXX a few months ago he actually offered to give me a smaller credit of around {$200.00}. I have called their customer service department and spoke to numerous people including XXXX XXXX, a customer service specialist who told me that there was nothing she could do about it. I have asked to talk to XXXX XXXX and have left messages for him to call me back but have never received a call back. I believe that XXXX XXXX originally tried to resolve all of the closing issues by committing to the {$620.00} credit without supervisor approval and his supervisors will not sign off on it. I will be remortgaging my loan as soon as possible and will never do business again with First National Bank 's mortgage department.
Consumer complaint received 2018-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

I went on Freedom Mortgage 's web site to pay myXX/XX/XXXX mortgage payment on XX/XX/XXXX. The site did not take the payment so I called Freedom Mortgage and they told me to resubmit the payment on XX/XX/XXXX. On Sunday XX/XX/XXXX I went to XXXX XXXX to get cash from my ATM and noticed my account was {$910.00} over drawn. I went home and checked the Freedom Mortgage site and determined that myXX/XX/XXXX mortgage payment was paid on XX/XX/XXXX andXX/XX/XXXX, duplicate payments. I called Freedom Mortgage Monday, XX/XX/XXXX and they would not reverse the duplicate payment so I'm filing this complaint.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services (IA)

XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

account was frozen XX/XX/XXXX unknown to me. made a cash deposit of {$500.00} on XX/XX/XXXX. went to use my card and see that my account was frozen on XX/XX/XXXX and that there is a restriction on funds going in and out. but yet I was able to load {$500.00}. called customer service and am told there's nothing they can do until such and such team reviews my account. ask to be connected to said team, and am told I can't. ask for a phone number or email for that team and am told there isnt one. ask to speak to a supervisior and am told there isn't one.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. 
Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices. 
Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements. 
Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2022-12-14
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. (TX)

My name is XXXX 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.
Consumer complaint received 2019-04-25
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. (FL)

HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX ARE PAY ...
Consumer complaint received 2022-12-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i have recently purchase a credit report from XXXX, equifax, XXXX please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting my account
Consumer complaint received 2021-04-19
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. (AL)

In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you