davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EQUIFAX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2XXXX XXXX
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Source Receivables Management violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2023-03-10
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. (OH)

Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to XXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is Transunions responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from XXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : Transunion Hard Inquiries Paypal via XXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TN)

I went to XXXX XXXX for a medical issue with my XXXX. I had a new job and there was a question of if my medical or optical insurance would pay. I then paid the original amount via my HSA portal. I received no further communication after paying through my HSA portal. I ran my credit report earlier this year. That is when I saw the balance from XXXX XXXX XXXX office. I immediately sent a personal check of {$210.00} ( cleared XXXX ) and requested documentation for me to be reimbursed for both charges by my HSA. I have reached out to Capital Accounts LLC multiple times to have this collection either removed from my XXXX, XXXX, and XXXX  reports or at least list the balance as paid. Capital Accounts LLC has refused to do either and keeps insisting to the credit bureaus that the balance is unpaid.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America denied my claim of XXXX $ at a XXXX XXXX. First of all, I had my credit card in my possession. I dont understand HOW OR WHY a person can have 2 different credit cards with the same account with the same bank. 
The fraudulent charge was made with another credit card ON MY NAME. They denied my claim giving me stupid reasons : because my pin was used or that I signed the receipt which means I was there and approved the transaction. YOu dont need a PIN to use a credit card and for the signature, my name is on the card! 
WHY would 2 CREDITS CARDS with the same account be ever activated? 
Mind you they sent me those alerts messages asking if it was me that day which I REPLIED NO but they still went ahead and approved the transaction. 

I have been with this bank for close to 10 years now, no priors or similar problems ever occurred. I have been calling for weeks to get a solution the only answer they keep giving me is to WAIT. 

Also, as you will see on the photo, there was a previous attempt to use my card on an XXXX XXXX for XXXX in XX/XX/XXXX that was declined. I called to let them it wasnt me and the person I spoke to didnt advise me to file a claim since the transaction was declined that day. Four months later a different card ( with my name ) was used at a XXXX XXXX  and they charged me even when I reply NO to the alert message and they denied my claim?
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

I put a mortgage in pandemic forbearance with Mr. Cooper ( Nationstar Mortgage ) in XXXX of XXXX. I have continued to make ongoing payments to this account throughout the pandemic however the account is not current. The payments made to the Nationstar Mortgage have been made through XXXX  XXXX XXXX Bill Pay. 

ALL OF THESE PAYMENTS HAVE BEEN ROUTINELY APPLIED TO MY ACCOUNT UNTIL XXXX OF XXXX. 

In XXXX of XXXX I began reaching out to Nationstar to bring the account out of forbearance. I told that I could make additional payment of {$3000.00} and {$2800.00} in the month of XXXX and then be enrolled in a post forbearance repayment plan that would be roughly {$3400.00} a month for 6 months. During 2 recorded conversations I was assured I would be able to do this beginning in XXXX of XXXX. 

On XX/XX/XXXX and XXXX I made payments of {$3000.00} and XXXX per agreement on a recording line through my bill pay ( as I have done for years ). As of XX/XX/XXXX, the payments had not posted to the account in question however they did accept payment on an account that was not in forebearance. 

For 15 days the money I paid on the account has not posted and I opened an inquiry with XXXX  XXXX XXXX. Multiple calls to Nationstar and emails of data with proof of payment did not move Nationstar and they continued to blame XXXX  XXXX XXXX. 

on XX/XX/XXXX XXXX  XXXX XXXX provided proof that Nationstar had REJECTED THE PAYMENTS. 

I made online payments of {$3000.00} and {$2800.00} on XX/XX/XXXX while on the phone with Nationstar, they are in agreement that the payments are pending posting. 

on XX/XX/XXXX I again reached out to the Pandemic ( Loss Mitigation ) department to confirm I would be able to be enrolled in a pandemic program as was discussed in XXXX of XXXX and I was told I would not be able to enroll in the program previously discussed and the company does not provide accurate information or a program for my bringing the account current. I am reaching out to your agency to investigate their business practices as it relates to pandemic forbearance and repayment of loans impacted by the global crisis. 

My questions : why were my payments rejected in XXXX Why have I received no written notification of my repayment options and why do the terms and payment amounts change every time I reach out to them What are the standard guidelines they are using to help bring homeowners current
Consumer complaint received 2021-02-27
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. (NJ)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Santander Consumer USA Holdings Inc. (CA)

Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy. 
Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it. 
He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later. 
After trading in my XXXX the price actually went up to appx {$32000.00}. 
The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of. 

I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car. 
I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!? 
Mind you only 3days went by. 

Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX  that im included in the $ XXXX Multi state class action settlement. 

So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount. 
Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX. 
Numbers DO NOT LIE! 

In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below.. 

Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.
Consumer complaint received 2019-06-11
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. (FL)

We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate Transunion employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (TN)

I did a consumer credit transaction with JP Morgan Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

I filled out a Credit Application with JP Morgan Bank They did not approve me but I have the credit not them JP Morgan Bank A National Bank Part Of The National Banking Associate National Bank Act does not authorize JP Morgan Bank to lend credit Title 12 U.S.Code 24 sets forth powers of national banks.

Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another.

In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669.

I use my federal credit card information on the credit application
Consumer complaint received 2021-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: INVESTORS BANK (NJ)

On XXXX XXXX I had Investor 's Bank, XXXX XXXX, N.J. withdraw {$6400.00} from my savings account and make a certified check out to XXXX XXXX Visa. XXXX claims this check was never received and is now missing for over 5 weeks. Investor 's REFUSES to put a STOP payment on this check UNLESS XXXX signs a form saying it wasn't received. XXXX customer service told Investor 's Bank manager XXXX XXXX they WILL NOT SIGN ANY FORMS. INVESTORS now refuses to put a stop on this certified check and reimburse my account. I want a stop payment put on this " missing '' {$6400.00} check and my account reimbursed ( I will do an electronic transfer in the future ). 

XXXX XXXX Investors Bank. XXXX XXXX ( tel. )
Consumer complaint received 2021-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I can not access my PHH Mortgage account at all using their online portal. I had forgotten my password. They sent me a link with my new password. That password did not work. I tried again and that password also did not work. I took a screen shot of both my email with their password and their web site with the password and my exact username not working. I believe being unable to access your own account violates CFPB guidelines.

I also saw that they reported my account as delinquent one day and fixed it the next day on my XXXX  credit report. I would like to know why. I also would like to know if my auto pay is turned back on as they mistakenly removed it twice this year, causing my credit score to drop 140 points for the first time in 20 years.

Their customer service is horrible.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I'm filing a complaint against PHH Mortgage who is servicing my 2nd mortgage for breaching the terms of our loan agreement ( Mortgage note ) by not applying my payment to principal. I sent in a payment to be applied to my principal that they received on XX/XX/2021 ( according to my bank ) after not seeing it applied I called PHH Mortgage on XX/XX/XXXX, I was relieved that they HAD received my check and that it was to be applied to the principal. However, they mailed the check back to me instead. My complaint is they refused to apply my check to my principal balance. They returned the check and stating they needed certified funds. 

In my Note 4. Borrowers Right to Prepay states that I may make a full prepayment or partial Prepayments without paying any Prepaying charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under Note. 
After I was assured that they received the payment via phone call to them on XX/XX/2021, I received a letter in the mail on XX/XX/2021 with my check in the amount of {$10000.00}. I immediately called and spoke to XXXX  XXXX and was quite livid that they refused to apply my check to my principal balance. They informed me because it was the full principal balance they could not apply it and they have a procedure for paying off the balance. There is nothing in our agreement that states I can not prepay the full balance. When I asked XXXX what amount they would accept as a prepayment he did not have an exact amount allowed. The reason they want the certified amount is to have guaranteed funds that the check wont bounce. One could delay showing loan balance is XXXX after the allotted time ( which they did anyways with sending my check back!! ). I responded the escalation agent if that was the case then just wait until the funds are secure to know. There is no agreement in my note for the Lender to require THEIR OWN PROCESS for me to pay my full principal balance. This is a breach of their agreement. A way to charge more in fees and interest in requiring a payoff. There is nothing stating I need a payoff amount sent to me by them. 
Im tired of financial institutions taking advantage of people, it is unfair for them to not apply payments to principals correctly. This has happened to me in past, it seems to be bad practice with loan servicers for misapplying funds to principal. In Order for me to only pay that amount they are REQUIRING ME to get a pay-off statement ( and it will come with additional interest for XXXX and fees ). I should have no interest to pay in XXXX as the principal should have been paid. Don't they have to follow our agreement and apply my check to the principal?
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear Portfolio Recovery Associates , LLC I'm in possession of the papers you sent out and I received them on Monday XX/XX/2022. Account number, ( XXXX ). This information is unresponsive to my demand. I demanded proof that I owe you this debt. This is not proof that I owe you this debt. In fact, these papers have no original signature from you, no original signature from the original creditor, or my original signature. The name spelling is incorrect as well on every single piece of paperwork you sent me, therefore being a false representation according to 15 U.S.C 1692e. Please provide me actual verified proof that I owe you this debt before continuing collection activities, otherwise remove this account from my credit report.

Also, in your response letter you stated you may contact me directly or through an affiliate or third party. That also is in violation of 15 U.S.C 1692-1692p Sec 806.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-03
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. (PA)

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. 1 ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.