davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Love, Beal & Nixon, P.C. (OK)

This company keeps checking my credit with a hard inquiry when I have not authorized them or gave them any kind of consent to check my credit. The hard inquiries drop my credit score every time they check it. The company is : Love Beal & Nixon XXXX XXXX XXXX. 
XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX They checked my credit on XX/XX/XXXX and again on XX/XX/XXXX. This is illegal and as a consumer, I have rights.
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DARCARS AUTOMOTIVE  (Mariam Inc.) (NJ)

The car was purchased XX/XX/XXXX from Darcar in Maryland. The car was XXXX, I gave them XXXX cash as a dowm payment, leaving me with XXXX to finance. Somehow I have had to pay off the XXXX over three years at XXXX. That totals XXXX. In XXXX, they repoed the car because I moved to New Jersey. I paid XXXX to get the car back. The car came back so damaged. I filed a complaint to fix the car, never resolved. 

According to XXXX XXXX, the car will not be paid for until XX/XX/XXXX, five months after what the Contract states. An additional XXXX. The last payment should have been XX/XX/XXXX, money she is claiming not to have received. 

On XX/XX/XXXX like each month, I allow XXXX to take the payment directly from my checking account. The company never informed me that there was a payment portal online, instead I gave all my banking info to an account manager who has full access to my checking account. I received an email on the XXXX of XXXX informing me that XXXX 's payment was not received. There is no problem with the account, the money is there. I have an email from XXXX confirming that she will take the money on XX/XX/XXXX .... This is her way of charging me late fees which has been a practice of the company. 

I would have paid XXXX for a XXXX car - XXXX for borrowing XXXX. Please look into this matter.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AZ)

Received a phone call XX/XX/22 threatening legal action.Called XX/XX/22 threatening legal action again. I requested a verification letter on XX/XX/22 and XX/XX/22 they stated they mailed it and I should just pay my bill. XX/XX/22 I requested the information to send a validation letter. I was told to go to the website, I again requested the address and he told me that what I need to do is take care of it and just pay it. I again asked for the address to send the validation letter and he told me I was being sued. I again requested the address. He finally gave me the address and then continued to ask me if it was my debt and how was I going to take care of the debt.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

We applied for loan modification numerous times and continually were rejected for different reasons each time, sometimes the reasons contradicted the previous denial. Finally after 5 years of trying to save our home we lost the battle because Wells Fargo refused to work with us. We had pointed out several inconsistencies in their financials of denying our request, and Wells Fargo ended up foreclosing. We tried to short sale our home, we had an offer for $ XXXX, Wells Fargo rejected the offer and later that month sold our home at auction for $ XXXX less than the short sale offer. 

We are notifying CFPB because we want record of the fraudulent behavior that continues with Wells Fargo. I have kept every document from Wells Fargo along with emails. 

We had submitted several CFPB complaints over the years regarding this issue with Wells Fargo : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ME)

On my personal property located at XXXX XXXX XXXX, XXXX, ME XXXX There the original mortgage, HELOC and HUD lien. My exboyfriend split up and he wanted to keep the house and in order to keep he has to refinance the original mortgage ( in my name and boyfriends name ) the HELOC ( my name and my exhusbands name ) and the HUD lien ( mine and exboyfriends name ). He said he would apply for a loan through Quicken Loans and roll everything in once loan in his name so that everything was fully in his name. Quicken loans said he was all set and the refinance was in process. Quicken loans called me to request a payoff for the HELOC because it was in my name and my exhusbands name so the exboyfriend did not have access. I signed their request. They also sent me a deed to sign off of so that the house could be in exboyfriends name. I signed the deed and had it notarized just like they asked me to. Next thing I know it is time for the closing. I was asked to go to the closing to sign the deed again which I thought was weird because I had already signed off. I asked the exboyfriend if everything was all set and he said Quicken Loans said it all was good. I went to the closing and was not allowed to see the closing disclosure because I was not on the loan. I signed off on the deed again. A few days later I received an email saying that my first mortgage was paid in full and so was the HUD lien. Waited and waited for the email from the HELOC that never came. I made him call Quicken Loans and the title company because no one would answer any of my questions. my exboyfriend called me and said they never added it in his loan. I asked him to request the title commitment letter. All 3 loans were on it so not really sure how it was missed. Now they are saying it was never to be part of the loan. How on earth do you do a refinance/loan to get everything in your name and leave out a loan and recieve cash out. I have gotten no where with these people and neither has the exboyfriend. Quicken loans messed this whole thing up and not taking responsibility for it. Now I have a loan out there on a property I no longer own. I would of never signed off on the deed had I been made aware that all 3 loans were not going to be paid off.
Consumer complaint received 2018-05-01
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)

On XX/XX/2018, Equifax received appropriate proof of my identity ; copy of identity theft report ; the identification of the information ; and a statement that the information was not related to any transaction by consumer. On XX/XX/2018, Equifax sent a copy of the credit report dated XX/XX/2018, indicating that an Extended Fraud Alert was placed and that the file was blocked for promotional purposes. The information resulting from identity theft remained on the report. 

On XX/XX/2018, Equifax took my call regarding their liability for noncompliance with section 605B of the FCRA. XXXX, a manager in the fraud department, stated that Equifax did not accept the identity theft report because the account numbers were incomplete. The account numbers were truncated exactly how they appear on the Equifax credit report. XXXX also state that Equifax policy does not mirror the FCRA in regards to the four ( 4 ) business day period to block information resulting from identity theft. 

The fraudulent information remains on my report without notification or justification required under the FCRA.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (FL)

Never one letter from unifund XXXX XXXX nor have I ever had a card XXXX XXXX. Identity was stolen in 2015. I never pursued it. It was of XXXX and XXXX. I was notified by XXXX by email and phone call. And I never new I had 3 cards in my name. Until they showed up on my credit report. I dispute them on XXXX and get denied because of my name in my social. So now Im being sued by XXXX XXXX  and all they have to show who I am on. The credit report is the last four digits of the credit card in my name.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IN)

I have been trying to have PMI removed from my loan since XX/XX/XXXX. I did an extensive remodel on the home. I followed the companies policy for removal by emailing and submitting renovations to no avail. On XX/XX/XXXX I submitted again and this time provided the appraisal I had done that clear states my home XXXX has surpassed the 20 % equity to remove PMI. I have called several times and given a promise that someone would call back. I have not received a call or any communication regarding this matter.
Consumer complaint received 2022-03-09
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. (TX)

Equifax, XXXX and XXXX have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

My family was recently affected by XXXX. We entered into a forbearance period with our mortgage provider. Upon ending the forbearance period I applied to the XXXX assistance program. After speaking with my XXXX case XXXX, they stated that in order for them to issue a payment to my mortgage servicer they had to be enrolled as a participating partner. After speaking with customer service reps from my mortgage service provider, they stated if they were not a participant then it was above their pay-grade to make that decision and couldn't help. 

I'm not sure what to do next... I don't want to lose my home because my mortgage service provider does not want to accept payments from the XXXX assistance program...
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 by paying off completed credit card balance. Chase also responded to CFPB that credit card has been paid and closed.I have only used this card for purchases, bills payment and same is part of the CFPB and statement records. I never ever used this card for any other benefits ( any kind of insurance or coverage ) since the day I opened this card to closing dated XX/XX/2018. I have dedicated employee benefits and other companies, which have been paid from my salary and employer account. Hence, I never used chase credit card for any kind of insurance benefits. Surprisingly, I have received a letter from chase ( received on XXXX XXXX over USPS ) that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have no idea, why chase is talking about closed credit card benefits. First of all, I never ever used any of the benefits from chase since the day I opened to closing the credit card dated XX/XX/2018. When the credit card is closed with XXXX balance, all the transactions and everything related to credit card should be declined and closed effective dated XX/XX/2018. Chase kept on sending fraudulent notices and some kind of changes to closed credit card benefits, which is unlawful and fraud. I will be filing official complaint at Concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter saying that chase is not manipulating my closed card and what kind of unlawful benefits mentioned in their letter. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits at any point of time using my individual credit card. Chase credit card company has been committing unlawful activities and creating troubles to customers and chase has been harassing customer after closing the credit card.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2023 I mailed my identity theft report to Experian requesting removal of the fraudulent items. Like angels, they perfectly followed 15 USC 1681c-2 ( a ) and deleted the information within 4 business days of receiving the identity theft report. So amazing job with that part.

Unfortunately they soon reinserted an account ( WF/Tempur 577442150138 ) without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion.

Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Experian needs my written expressed permission to furnish any information on my credit report.

I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. If Experian can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. 

There is a reason Experian has recently paid millions in lawsuits for these exact issues that I am having with them. Attached is proof where the item was deleted. It has now been re-inserted without my written permission, without an actual investigation, and without a written reinsertion notification by Experian. 

I have called and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

A Lowes commercial account was opened in my name. I spoke to someone at lowes and they said that someone has all my personal info. They were able to cancel the card and clear the debt and forwarded the issue to thier fraud department. They advised me to notify the credit reporting companies and place a hold on my ss #.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates. 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 2022-07-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I opened an account with Lowe 's and purchased some kitchen appliances on XX/XX/XXXX ... totaling {$3000.00}. 
I set up automatic monthly payments with my bank, after a few months I started getting insufficient funds notifications and found that XXXX XXXX was trying to take more than the agreed upon payment, so I closed the auto pay and started paying with cashier 's checks. 
Then they started charging late fees and stating I owed more than what we agreed on. XX/XX/XXXX they said I missed a payment, which was not true, so I ended up making two payments in XXXX XXXX.Every month the payment was different so I started paying {$100.00} every month, XXXX and XX/XX/XXXX, they put two missed payments on my credit reports which lowered my credit scores tremendously. I did not realize this until I decided to refinance my home, to my dismay I was unable to do so. 
This month..XXXX XXXX, I sent them {$390.00} some dollars so they would stop reporting missed payment on my credit reports. 
I made copies of my receipts and sent them to all three bureaus to no avail. 
I also had a Care Credit card with XXXX XXXX for {$4500.00}, only to find the lowered it to {$2800.00} credit limit which also lowered my credit scores ... I have never missed a payment, nor ever been late, have also paid this card off previously. 
I've taken the time of almost ten years to work on my credit, I will not let this bank do this to my credit, I'm going to make sure they don't get away this, will do whatever I need to take care of this problem. 
Meanwhile I went online to look at XXXX XXXX XXXX customer reviews and I was shocked to find they have done the same thing to so many other people, there are more than 5,000 reviews having the same problem I'm having..How can something like this happen and nothing is done about it. 
I will not let this go. 
I have called Synchrony and tried to straighten this problem to no avail, tired of talking to them, they keep coming up with different things of I should say lies. 
I am a XXXX year old XXXX veteran and I should not have to put up with this, I pay all of my bills on time, never late, never missed a payment..this is the only black mark on my credit and I'm not going to let this go. 

Thank you
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.