davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Consumer Adjustment Company Incorporated (CT)

I received a notification from XXXX XXXX that CACI has place two Items on my credit report from XXXX XXXX. I don't owe any balance from XXXX XXXX. 

CACI has been calling me non-stop at all times of the day, before XXXX and after XXXX. they are using false or misleading information in an effort to collect a debt and attempting to collect debts I do not owed. They said that if I dont response, they are going to take legal action. 

I do not know what to do. I feel like my rights are being violated. for this reason I am reaching out to you.
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I pay my student loan monthly via auto debit. In XXXX my payment of {$190.00} was allocated, {$110.00} to interest and {$88.00} to principal. Between XXXX and XXXX, my student loans were transferred to Mohela 's new servicing platform. In XXXX my payment of {$190.00} was allocated, {$110.00} to interest and {$81.00} to principal. THEN, I made 3 more additional payments totaling {$900.00} during the month of XXXX. Of the {$900.00}, {$93.00} was allocated to interest and {$800.00} to principal. With the 4 payments applied in XXXX This totals {$210.00} applied to interest. How is it possible that in a normal month, {$110.00} satisfied the accrued interest but when I made extra payments the accrued interest essentially doubled. I have asked Mohela to provide an amortization schedule so I can see how they calculated these interest accruals. I understand interest accrues daily and every payment will go towards some interest, but this just doesn't seem correct. 

Also, the website gives the option to allocate the payments to specific loans per the customer, but then the website will not allow your allocation and allocates the payment how it seems fit.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX and Account XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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 2020-12-02
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: WHEELS FINANCIAL GROUP, LLC. (FL)

Starting XX/XX/2020, I started shopping for XXXX XXXX XXXX with no credit needed as long as I had a free and clear Title to my car that would be good enough with a few more details needed but no Credit under several names but still being 1 of same company ran my report threw experian 4 times one being the last XX/XX/2020 that bringing my score down i ask before in the beginning no report ran unless its for ID purposes only!! And the loan wasn't declined for credit reasons ... .Well it was and for that reason makes it difficult to apply anywhere else.. The company doing so goes under names that are still 1 company knowledge of this would have helped in how many times I applied to company if the same results were given at the first XXXX XXXX loan company or XXXX or XXXX XXXX  approved no credit bad credit approved
Consumer complaint received 2020-09-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

We are retirees seeking funds to repair our home We have a manufactured home which is nearly impossible to finance through a typical mortgage so we thought we would apply for a reverse mortgage. 

We applied to AAG and disclosed everything up front to the salesman who of course said 'no problem ' and assured us of several things he proved incorrect on. We paid, up front for counseling, a notary and appraisal to the amount of XXXX dollars. 

I related my concern that tree roots had disturbed the cinderblock skirt on our permanent foundation and he said 'due to Covid appraisals were no longer inspected on site so it shouldn't be a problem. '.so we paid the XXXX dollar fee Then they wanted an engineer report which we have declined because they, after some insistence on my part revealed that the damage might need to be repaired BEFORE escrow closing.. 

Repairs are why we need the loan but now we've spent {$800.00} only to flush it down the toilet. 

I believe they are busy keeping their Vendors healthy financially so when they feel safe about future real estate values and start approving loans again they will have appraisers et al still in business for their convenience They are extremely inattentive to my calls since their anxious request to send money for the appraisal which took 6 weeks to receive after numerous requests from me as to its whereabouts. 

When I received it was filled with SEE ADDENDUM which basically was a disclaimer for the appraiser since he could not visit the interior of the property, but merely photographed from the street. 

I think they had no intention of closing this deal
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My case # XXXX Today I sent in SBA loan documents with my name to prove ownership of the funds that you are currently withholding from me and the CPA letter from a certified accountant that files my taxes every year. I need the remaining balance of {$22000.00} released. I have to pay these funds back to SBA. The funds that you have been holding has been held by your bank since XXXX and I already talked to SBA about this matter they said you do not have the authorization to hold onto my funds. These funds are needed to keep my business afloat. Please release my funds that are rightfully owed to me. Ive been going back and forth with different representatives in the executive office for months
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is reporting a XXXX XXXX account opened XX/XX/2016 that should be removed from my credit report but they refuse. Their website has not been working so and Ive waiting on hold for several days and each day it has been over 3 hours due to Covid-19. The information that XXXX XXXX reported was incorrect. XXXX and XXXX agreed that the account needed to be removed. Transunion is still reporting this inaccurate account on my credit report thus damaging my score. The account has been deleted with all other bureaus except this one. They are violating my consumer rights.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MD)

I have been fighting for my rights with Wells Fargo for almost 3 years. A credit card was fraudulently opened in my name in XX/XX/XXXX. I got a statement in the mail in XX/XX/XXXX. I immediately called and reported that it was not my credit card and not opened or used by me. The law says if a person reports identity theft which I stated in that first conversation they are not responsible for the charges. Visa also says if the account is in good standing and reported as fraud then there is zero liability. Not only has this company broken the law they have reported it to the credit bureaus with a false statement saying this was resolved. I had checking and savings accounts with them that they chose to close because of the identity theft and they stated it was a security risk keeping them open but they refuse to provide me with clear, definitive proof that these charges belonged to me. The burden of proof is on Wells Fargo they have not provided me with this information I want this resolved immediately
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

Wanted to pay my mortgage ahead in case I ran into financial difficulty. I sent in two payments on XX/XX/20 and a third undue payment on XX/XX/20. This would have put me three months ahead. Amerihome Mortgage misapplied those funds to the principal instead of the payments. I have spoken to them three times and written them once and have not received resolution. Now financial difficulty has arisen and I need that three month grace period. I have been lied to and ignored. Their records reflect that they received the money and what happened to it but say it's my fault for sending it in without notifying them of what I was doing. I'm notifying them now. I can't make these payments. I need help. 

AmeriHome mortgage XXXX XXXX XXXX XXXX XXXX, new jersey. XXXX
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX. It is a car loan finance company,, I had a lemon car in XXXX which had power steering fluid issues after purchasing the vehicle. I never knew this until the XXXX XXXX started to give me problems. Then I went back to the dealership XXXX XXXX XXXX XXXX That car was traded off for a XXXX XXXX XXXX which included high interest rates and also a fradulent credit application. The application was lied on which made my car notes extremely high.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

This company violet my right reporting information errneos in my report I tried resolve this problem But this company say no problem With but today company pull my report and say my report is risk don't give my mortgage I need soon possible resolution this matter Because them say account no reported in my report but third parties still showing and danger my reputation U nder 15 U.S Code 1681i ( 5 ) ( B ) ( i i ) ( i i i ). This i t e m was deleted, and you reinserted them w i t h o ut notifying me 5 days a f t e r this account is in violation
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Society Business Services, Inc. (AZ)

The collection was paid with the understanding it was going to be deleted with payment but has only been updated to paid status. I have reached out several times. I was told a deletion letter was also mailed out to me only to find out after the 4th time I reached out the printer isn't working, fax is broken and they are unable to email me a letter. Each call is a different excuse. I would like this account deleted ASAP due to erroneous collection tactics. Account was paid and cleared by bank XX/XX/2021.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I purchased a new Toyota on XX/XX/2020 as well as GAP, an extended warranty, prepaid maintenance, and tire and wheel. I am trying to cancel these in a timely manner to avoid interest charges. Toyota is making it very difficult to do so.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2021-05-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

My son purchase a home 3 1/2 years ago. At some point New Res LLC took over the mortgage. In XX/XX/XXXX my son wanted to refinance the mortgage as the rates were lower. Since he was furloughed from work due to Covid-19 my husband and & were to cosign the loan. The paper work was submitted on XX/XX/XXXX. We were assigned a senior mortgage consultant who requested certain information which we supplied. On XX/XX/XXXX I contacted the consultant as to the status of the application and was advised the processors were very busy. I again contacted her on XX/XX/XXXX and received the same reply. On XX/XX/XXXX, we received an email that the loan application was conditionally approved. We had a new consultant and a new processor. They now asked for many additional documents. As we own multiple properties and vacant land the documentation list was outrageous. Nothing we own has a mortgage, we have no debt. The amount my son is looking to refinance is less than the value of our primary home. The company is looking for insurance on vacant land. This has become a nightmare. We provided some documentation. Our dividends and bank accounts can more than cover the refinanced amount. On XX/XX/XXXX, I contacted the processor who needed more information and the new XXXX tax return, plus things we already submitted. 
On XX/XX/XXXX we send additional information. On XX/XX/XXXX, I again sent an email & telephone call to the processor who said delay due to high volume. On XXXX same answer. On XX/XX/XXXX we received a Loan Commitment & Property Inspection Waiver disclosure to sign which we did and returned to the processor. Since then on XX/XX/XXXX & XX/XX/XXXX I contact the processor but receive no answer. This is totally unacceptable. this company needs to be investigated. Because we have assets we have been scrutinized to such an extreme level for everything we own. No refinancing should every take this long to complete.
Consumer complaint received 2017-12-14
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. (FL)

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XX/XX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XX/XX/XXXX payment and would have to wait till XX/XX/XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XX/XX/XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XX/XX/XXXX. I said no my mortgage has been current as of XX/XX/XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (IL)

I recently purchase a XXXX XXXX Lithium-Ion Battery Powered Pump Zero Technology Sprayer, 2 Gallon, White in the amount of {$68.00} on XX/XX/XXXX through  PayPal from XXXX XXXX XXXX XXXX. I contacted PayPal on XX/XX/2020 to file a dispute with the company. The company sent a via XXXX  Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was maded through PayPal which have my correct address listed as XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise.