davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Paid car off with XXXX on XX/XX/2017 letter mailed in. 
Online ACH payment, 2nd time XX/XX/2017, 3rd was XX/XX/2017. 
Sent a letter to requesting them to stop calling in XX/XX/2017 and have received four since then.Also on a letter they had or were given 10 days to respond or the bill would be marked PAID IN FULL. They took 15 days. Four counts of payment in full and still no TITLE.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Chase XXXX XXXX is incorrectly calculating escrow payments when a change occurs. 

Chase is calculating the new escrow payment as follows : New insurance amount + New property tax amount + New mortgage insurance amount + Escrow shortage amount. 

My escrow does not have a shortage. They are double counting the change in property taxes- in the increased new property tax payment and in the shortage amount. The shortage is the difference between the old and new payment. The shortage is supposed to get added to the old payments to come up with the new monthly payment. They are adding the shortage to the new monthly payment, thus inflating my monthly payment by {$220.00}. I faxed projected escrow schedules to Chase demonstrating that their monthly payment would result in unused escrow of over XXXX by end of year XXXX while the correct payment amount would cover all costs without dipping escrow into negative. This did not correct the issue so im filing a complaint as XXXX cant be the only customer who has this double counting issue.
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit report
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )
Consumer complaint received 2021-12-01
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. (KY)

Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Consumer complaint received 2021-12-01
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. (KY)

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Consumer complaint received 2021-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

The CFPB did not help me at all and is now not allowing me to provide feedback when they asked for it. The CFPB should NOT allow Equifax to provide a phone number for us that does not answer the question asked. It has taken over 2 years for Equifax to pay {$120.00} each to my husband and myself for the Equifax breach of personal info. They say they are still working on it, then our case ( XXXX ) is closed with no answer of WHEN we will be paid for the breach of our data!!! The CFPB should be demanding payment that has been promised to us for 2 years ( {$120.00} each ), yet we are being ignored and told to contact the FTC or else the CO Legal Services. This is the CFPB pawning us off on other agencies instead of them telling Equifax to pay people for the huge breach they caused over 2 years ago!!! Equifax also sent a confirmation number in a letter dated XX/XX/21 of # XXXX, when I never contacted them. I asked for help on this from the CFPB, and the CFPB did nothing, and then asked for feedback in an e-mail and then does not allow for that feedback to be provided. So here is my feedback : CFPB is nothing to help!!!!!
Consumer complaint received 2018-02-18
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: Westlake Services, LLC (TX)

On XX/XX/XXXX, I disputed information on my credit report with XXXX. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, XXXX is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with Westlake Financial Service, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. XXXX   violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. XXXX   recently verified this account as being accurate. But how is that? I recently wrote Westlake last month and I have not heard from them ( 30 days ) 2  ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXXXXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, XXXX   has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
Consumer complaint received 2021-12-01
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)

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

My Father in law is attempting to get a Deed in Lieu of Forclosure form from PHH. They refer him to their website. He is an elderly XXXX veteran, and has not been able to successful navigate the electronic system to get the form. I contacted PHH customer service to see if there was any other method thye could get the form to him. They replied they needed the loan number and full address, which I then provided, along with mentioning that I am not asking them to send anything to me, but to him, who is on record with them as requesting the documentation. 
Their response was to inform me that I am not authorized to receive any information on this account. 
I have replied to them that I am not asking to receive any information, but that this customer, being elderly and XXXX can not navigate the only system they are offering, and can not properly communicate this need for other accommodations to them. 
They only need to mail the form to the person and address they already have on record as needing this form and are refusing to do so.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Consumer complaint received 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 XXXX
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I received a email from Experian on XX/XX/2019 stating that " change to your credit file detected '' I tried to go log in to my Experian account. I put in my username and password and then was told they were incorrect. I tried to change password, it asked me for my username and then my phone number but it had someone else number and I have been unable to access my account. I've tried calling Experian but i can get pass the automated voice on the phone who doesn't listen. and all she who how to do is say ''sorry i didn't get that '' then hangs up on you causes you to start back over and spent a little over 8 minutes trying to speak with a real person in which i was unable to reach.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello, I am XXXX. I have gone to XXXX 's XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing XXXX hard queries. XXXX of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Consumer complaint received 2018-02-18
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. (OH)

XXXX XXXX is reporting that my Auto Loan for a XXXX XXXX XXXX was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Consumer adjustmentXXXX XXXX XXXX XXXX for {$310.00}.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX XXXXXXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans-union refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 


Unauthorized inquires XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I got my car loan with Wells Fargo which I got approved with a very high ( 14 % ) interest. As of XX/XX/XXXX I have finally paid off my loan.
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MS)

I have a mortgage forbearance with XXXX since XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX to notify them I wanted to end my forbearance and begin to pay my note. I spoke to them many times and was given different information every time I called. Finally, in XXXX I decided to start mailing payments. They returned my payment. I sent it again. I really felt like they wanted to drag this out as long as they could to increase my indebtedness to them. Then they sent me a promissory note of {$41000.00} which I believe is wrong. The forbearance should have ended XX/XX/XXXX, XXXXTheir behavior was so absurd that I began to think there was some kind of fraud going on here. 



SEE THE ATTACHED DOCUMENTS
Consumer complaint received 2021-09-15
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: JPMORGAN CHASE & CO. (NY)

Ive already contacted Chase Bank there taking to long with the investigation on something that is simple They violated multiple rights Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you JPM Chase Bank in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through mediums, Pursuant to 15 USC 1692c ( c ), I am invoking my specified remedy as a consumer and the original creditor, and I demanding all of the following : 15 USC 1666d- Positive amount is to be sent to the consumer 15 USC 1681a D ( 1 ) - Consumer report is oral and written so Im letting you know that I'm extending this credit for exchange to get a higher credit limit. 
XXXX  the amount on the balance
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012.

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX. I purchased my leased Kia K5 on XX/XX/2023 in the amount of {$26000.00} and have yet to receive my title after 30 days. 
XXXX. XX/XX/2023 called kia finance in regards to payment and was told that the milage statement was not received. Uploaded mileage statement again through kia portal. And was told I owe {$1200.00} dollars. This was not on any document and was not confirmed. 
XXXX. XX/XX/XXXX I have been told the lease has been paid in full but now a hold on my payment for the {$26000.00}. They also stated there is no way to communicate with any management team to find out my status of the situation. I will have to continue to call every 10 days to see if the work has been completed. No notes have been left after each call on my account. I have current calls recorded to protect me on receiving the title and any legal action.