davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc. (CT)

To Who It May Concern, To briefly explain the issue, I am financing a car through a company named United Consumer Finance in XXXX,XX/XX/XXXX. For the last couple months both my daughter and I have been constantly harassed by alleged " investigators '' calling in regards to the cars whereabouts and that payments need to be made on it. But when I would ask them how much is owed no one had an answer to give me. My daughter has nothing to do with anything that has to do with the car ( paperwork wise ) but she does help me with the payments. We don't even live in the same state for XXXX sake. 

My daughter was personally harassed on Saturday XX/XX/31 at around XXXX through XXXX by alleged bank workers with bogus badges consistently called her phone and ringing her doorbell in order to get the keys to the car. She has proof of over 10 missed calls from these alleged repo men and they continuously kept ringing her intercom but she wouldnt let them in because she wasn't expecting anyone at that time. Who has any idea who could be at the door at XXXX? My concern is why would they go to her house to get the keys to the car? it is clear that is what they went to do. Isn't that invasion of privacy? One alleged investigator said to me that the title was being resold to someone else. Who does that? How do you renegotiate a title of a car someone else has and is almost paying it off? These repo men did not identify themselves once and then just took the car without giving my daughter notice of where it would be or how much is even owed. There's proof that the car has been being paid, why go through all of this? We're in the middle of a pandemic where some places are offering financial reliefs and here they are repossessing a car that's more than half paid off. Needless to say, a tow truck never came and the guy just took the car keys away from my daughter and drove off no information only thing he said to her was to get legal advice because something seemed strange about it all. I believe he mentioned that because she said she felt harassed. 

I have all the money order stubs of the payments that's been made on that car, not much is owed on it. My concern is not only if this repossession was lawful but on what grounds can they show up to my daughter 's house who lives in a completely different state and has nothing to do with the car without identifying themselves. I thought repo men just take the car and keep it moving thats it. I know the people that called would say they were investigators but was she being stalked? By a bank? That really worries me. 

I would greatly appreciate your help in anyway you can. 

Thank you,
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - ****XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

For decades consumers have been making bi-monthly payments for the purpose of reducing the number of years for payment. I myself have been doing this with mortgage and financial companies for over 30 years. Typically mortgage companies and financial institutions would charge a " set-up '' fee for the privilege of bi-monthly payments, or if a customer was savvy enough, they could just simply do it themselves. 

Today I realized via some wording on their payment page - Quicken Loans does not apply bi-monthly payments. They hold the consumer 's payment in a " suspend '' account and only apply the payment to the consumer 's loan when the entire loan payment has been received. Not only is this practice immoral and unethical - it is reprehensible. 

I am sure they have found some legal loophole? How can they create a " suspend '' account and hold my funds? They are earning interest on MY money I have thought has been applied to my loan for years!!!!!! How can this practice be legal?
Consumer complaint received 2023-03-29
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 account # XXXX, XXXXXXXX XXXX account # XXXX and XXXX XXXX account # 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. Code 1681s2 - 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.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK (MD)

I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. 

I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-18
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 — Problem with personal statement of dispute
Company: AES/PHEAA (WV)

On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

XXXX XXXX has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit. 
I have opted out and froze my XXXX XXXX  from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my XXXX XXXX  from future use
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc. (MS)

I joined XXXX XXXX around mid XXXX. I enrolled in automatic payment but later realized it was not a rational idea for me at that moment. For the fact that, I was in school struggling to pay my school fees, I have a wife and a newly born kid. And I also worked two jobs. I was only able to maintain the membership for 3 months or thereabouts. Therefore, I called XXXX XXXX center to terminate my membership. I made the last payment, mailed their key back to them and terminated my membership. Since then, no contact or any form of affiliation between me and XXXX XXXX. Just last month XX/XX/XXXX. I checked my credit status and I realized my score was severely reduced. I saw an amount of {$950.00} with a name Kingston Data and credit on it. I XXXX  the company and I called them up. I was told by the agent who spoke with me that it was from XXXX XXXX that they were a collection agency. I called XXXX XXXX but I was told I had to pay that I was on a 2 years contract with them. Every explanation I was making was rejected. Now, the point is, when they knew I owe them, why didnt they reach out to me in XXXX, XXXX, XXXX until XXXX before they start rooting for what wasnt true. I am a faithful taxpayer, a hard working person, I never depend on the government to take care of me. If XXXX XXXX thinks the government is pumping money into the circulation that they want to tap from that, well, not from me. I dont mind going to court with them either. Kindly help see into this matter. Thanks!
Consumer complaint received 2021-03-05
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, NMAC, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, 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 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-12-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. 
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. 

Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer  confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX   11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

XXXX XXXX for the XXXX XXXX store account was not sending my statements. I was submitting payments every month to cover the minimum and some additional monies towards the principal. I thought my account was in good standing until my account was froze to further spending. When I called I was told I owed {$110.00} in late fees and {$11.00} past due? I was confused considering I was paying more then what being asked every month?
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX I wrote a letter to TranUnion asking for all negative items to be dispute. To date they are in violates of bot responding to my letter within the 30 day time frame.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

I am not liable for this debt of {$260.00} with CREDIT CONTROL SERVICE. I do not have a contract with Credit Control Service and was not provided the original contract with my wet signature and ID verification.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

XXXX store year ago I purchase an item under a subscription. I went to the store and returned the item and canceled the subscription after a year. They run this subscription again and charge me to my credit card. The item that I not receive Ive been fighting with them for four month to five letting them know, and they keep telling me different stories. They decide to close the credit card and leave the balance on my credit.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

I've always paid my mortgage payment and have been with Homepoint Financial Inc since I bought my house in XX/XX/2017. In XX/XX/2018 Homepoint stated that they didn't have insurance verification and were charging a hazord fee. I've had insurance and the insurance company, XXXX XXXX XXXX, sold our policy to XXXX unbeknowest to us. When Homepoint tried to reach out to XXXX XXXX XXXX they didn't provide documentation. Since finding this out, we've contacted XXXX and had them fax our policy and verification that we've had insurance. I've talked to Homepoint several times trying to fix the problem and verifying that they received verification from the insurance company. When I speak to Homepoint they state that the problem is fixed. I've tried since XXXX to pay over the phone to them for the monthly payment but they will not take my payment and stated they have raised my monthly payment from {$460.00} to over {$700.00} a month. I've sent checks for my monthly payment but they won't cash them. They won't accept my payment for XX/XX/XXXX and XX/XX/XXXX. I need help with this company. I've never been late on any payment and this is causing me great stress.

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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)

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 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer protection submission I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) In XXXX, I applied to Borrower Defense Program with the US Department of Education. 

During the application review period, my loan ( s ) with XXXX were automatically put in an administrative forbearance. 

XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ). Payments were still on hold. 

XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. Payments were still on hold. 

XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXXXXXX XXXX XXXX lawsuit. Payments were still on hold. 

XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' It appears that XXXX has discharged the loans. HOWEVER, the have marked them as delinquent. That is erroneous. No payments were due during the application process, during the lawsuit and during the period when XXXX was required to fill its legal obligations as outlined in the settlement. 

This erroneous classification of my loans has caused my credit score to drop significantly. I would like for it to be corrected. 

I have emails and screenshots to for reference if necessary.