davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-28
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. (GA)

I have requested the removal of inquiries that appear on my credit report that are unauthorized due to identity theft, I filed a police report upon discovering the inquiries and I've disputed them with Transunion via certified mail twice. They have failed to remove them and therefore have failed me in protecting my credit.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

early XX/XX/XXXX we were told by loan depot rep XXXX XXXX that we were pre approved for a mtge and would close XX/XX/XXXX we did close mtge funded XX/XX/XXXX the new mtge docs said that the first payment was due XX/XX/XXXX. so we did not make our XX/XX/XXXX payment to our existing mtge company. on XX/XX/XXXX loan depot decided to defund the mortgage leaving us now 30 days behind on our mtge can they do this 3 companys were involved XXXX XXXX XXXX XXXX XXXX and home depot
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Sapphire Preferred Credit Card. This month of XX/XX/XXXX, I was charged {$100.00} for interest and on the XX/XX/XXXX I owe {$150.00} for my minimun payment. This is unreasonable. These charges are too high and they keep increasing every month with no notice.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent a letter to Experian over 60 days ago on XX/XX/2020 for an inaccurate account on my credit report. They are non compliant and have failed to remove information that was affiliated with personal details that were challenged in the past. They never sent me any response and are in violation of the Fair Credit Reporting Act. I have attached the letter I sent them.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (OH)

I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.
Consumer complaint received 2018-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

Prior to Navient, I completed documentation for student loan forgiveness. Navient is saying my loans does not qualify and I would have to either consolidate my loans or begin another 10 years of paying my loans. Each time for re-certification of Income based or Income sensitive, the representative would assure me my loans qualify. I have submitted documentation for the Public Service Loan Forgiveness when I moved to have the most current documentation and update my file. I have been dealing with their Consumer Advocacy and the representative to this date has yet admitted there may have been miscommunication. My stance, if I knew I was not eligible under one repayment option, why would I continue to pay for 10 years if I was not told to continue this option.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Re Wells Fargo Bank In XX/XX/XXXX I obtained a mortgage loan thru the above bank on my current home to purchase a vacation rental condo in So. CA. I was also strongly encouraged to get a checking account and savings account with the bank, which I really didn't want but I did it anyway. As it turned out, the investment became a disaster and sold the property in XX/XX/XXXX. At that time the mortgage was paid off. 

Approx around XX/XX/XXXX of this year I received a XXXX for XXXX. On the form, box # 3 " Other Income '' shows a figure of {$880.00}. I never received this amount. I have no idea what this is. I called when I received this form and I was given some stupid statement that didn't make sense. I said I want something in writing and I was supposed to receive something in writing but haven't so far. I am not going to put this amount in my tax return.
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I bought a XXXX XXXXXXXX XXXX from XXXX in XXXX, Florida for {$36000.00} after the 72 month term back in XXXX. I did not receive my vehicle until XXXX because their salesman XXXX XXXX said they had someone in house that they typically used for delivery. When I agreed to using their person, I received the run around for 4+ days! I am located in the state of Indiana where the dealer offered to send papers via mail because this was their policy. The papers I received was a stack of about t least 15 pages. When I received the car, the vehicle smelled of water in the vents to which the delivery driver noted, communicated with the dealership and also told me I should follow up in which I did. I received verbal reassurance from the salesman I dealt with ( XXXX ). In addition, The Bluetooth wire had clear signs of water in the line because it would play or connect longer than 30 minutes. The Bluetooth ironically did the same! After taking it for an inspection, weve been told that there is signs of mold in the carpet fibers, the reverse tail light was cracked and had water in it prior to receiving it, the right passenger wheel at the back panel was slit and the struts were clearly tampered with and still RUSTED! The brakes were changed, but the back brakes and routers showed clear signs of rust. In addition to this, Ive been asking for a copy of the documents that I signed to where they insist that they have nothing but ONE paper and my lender has everything and my lender says vice versa! They even billed me {$3000.00} for a gap addendum I did not select the service for but was told to sign so that they know I viewed all papers. All of these communications and accusations do come with pictures and a full report as well! Medical records will be given to attorneys and any individual handling this case!
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (IL)

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I was advised that a server had delivered court documents for a lawsuit to my mailing address in the beginning of XX/XX/2023. 
I am not married, so an open/ unsealed document being delivered to a third party violates 1006.6 ( d ) ( 1 ).

The receipt of the court documents was the first contact received from Portfolio Recovery Associates LLC in this matter.

As there had not been any calls or mail received regarding this manner, and Portfolio Recovery Associates has reported this matter to XXXX and XXXX ( shows last date reported was XXXX ), they also appear to have violated 1006.30 ( a ) ( 1 ) ( i ) ( ii ).

Portfolio Recovery Associates LLC has not validated the debt, and failing to do so have violated 1006.34
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have a home mortgage through Wells Fargo, and I have opted-out of Wells Fargo sharing my information with affiliates and external parties. But I am receiving postal mail on a regular basis from mortgage companies to refinance my mortgage. This unsolicited mail is coming from multiple companies. The mail also is misleading, as it is designed to appear to be official and urgent correspondence from Wells Fargo. The latest company to do this is XXXX XXXX XXXX ( DBA of XXXX ). I can provide copies of this postal mail if helpful.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TX)

Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.
Consumer complaint received 2022-11-20
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. (CO)

I CONTINUE TO TRY TO DISPUTE INFORMATION, ON THE TRANSUNION WEBSITE, BUT WHEN I ASK TRANSUNION REPRESENTATIVES, AFTER GOING THROUGH THE DISPUTE PROCESS, AND UPLOADING DOCUMENTATION, IF MY DISPUTES WERE RECEIVED, TRANSUNION STATES THAT THEY DO NOT SHOW AS INITIATED OR RECEIVED. THEREFORE, TODAY, A TRANSUNION CHAT REPRESENTATIVE INITIATED THE DISPUTES, FOR ME, BUT NOW, ALL OF THE SUPPORTING INFORMATION WILL NOT BE WITHIN THE DISPUTES... SUCH AS THE INFORMATION, FOR WHICH, I NEED TO INFORM THE COMPANIES, NOR WILL THERE BE UPLOADED DOCUMENTATION, TO BE PRESENTED TO THE COMPANIES. I WILL UPLOAD THE DOCUMENTATION, UPON THE CFPB WEBSITE, WITH THIS COMPLAINT ; I NEED FOR THE COMPANIES/CREDITORS TO RECEIVE THE UPLOADED SUPPORTING DOCUMENTATION. 

THERE ARE THREE COMPANIES/CREDITORS WHICH HAVE BEEN REPORTING PAYMENTS, AS XXXX DAYS LATE, WHEN THEY HAVE NOT BEEN XXXX DAYS LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE BEEN REPORTING AS XXXX DAYS LATE, WHEN THE PAYMENTS WERE NOT XXXX DAYS LATE. I HAVE BEEN ATTEMPTING TO DISPUTE THE COMPANIES. FOR EXAMPLE : XXXX XXXX XXXX PAYMENTS WERE MADE ON XX/XX/XXXX, FOR XXXX PAYMENT ( BEING REPORTED AS LATE, WHEN WAS EARLY ) AND ON XX/XX/XXXX, FOR XXXX AND XXXX 'S PAYMENTS ( MADE, TOGETHER ). XXXX PAYMENT WAS LATE BUT NOT XXXX DAYS LATE, BECAUSE THE PAYMENT WAS DUE, ON XX/XX/XXXX. XX/XX/XXXX PAYMENT WAS EARLY, BECAUSE IT WAS MADE ON XX/XX/XXXX. THUS, XX/XX/2022 AND XX/XX/2022 ARE BEING REPORTED AS XXXX DAYS LATE, WHILE XX/XX/2022 PAYMENT IS BEING REPORTED AS XXXX DAYS LATE. 

XXXXXXXX XXXX XXXX  IS REPORTING XX/XX/2022, AS XXXX DAYS LATE. THE PAYMENT WAS MADE, EARLY, ON XX/XX/XXXX. XXXX 'S PAYMENT WAS MADE ON, XX/XX/XXXX, THEREFORE, THE XX/XX/XXXX PAYMENT WAS FOR XXXX PAYMENT. THEN, XXXX XXXX XXXX BEGAN MAKING MY FOLLOWING PAYMENTS, WHICH WERE BEING REPORTED AS LATE, BUT THE REPORTING WAS CORRECTED, TO REFLECT AS, " CURRENT '', FOR ALL OF THE MONTHS, IT WAS INACCURATELY REPORTING, AS LATE. IT REMAINS, ONLY XX/XX/2022, NEEDS TO BE CORRECTED.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC (RI)

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX  XXXX   whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
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: Experian Information Solutions Inc. (PA)

i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
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: EQUIFAX, INC. (PA)

i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Consumer complaint received 2019-08-28
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. (GA)

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NC)

I needed a loan to help pay my car insurance because there was an issue with XXXX and my payment needed was XXXX to keep my insurance from lapsing. XXXX gave me a loan for {$700.00}. I have paid over {$800.00} back XXXX every two weeks since my last paydate in XX/XX/2017. I was told that I could pay off early and not be charged all the extra charges, but every time i call they add fees and it is over {$900.00}, if I pay before my next payment {$850.00}. I understood that my payment 's made would be added in and I would just pay a small fee for early payoff. I can't afford to pay that or keep paying {$210.00} for the next 3 years. I can only call I get no paper bill and the website is just like a click takes you back to the same page. It says returning users I logged in it just asks to sign loan papers. I'm so stressed my hours have been cut at work and I have XXXX coming out my account I have boys to feed and bills to pay. I know that I pay interest on loans but I think this is too much.
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)

i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TN)

On XX/XX/XXXX I filed a complaint against Midwest Recovery systems. They advised that they could not verify the debt and stated that they sent letters to all the credit bureaus on XX/XX/XXXX to remove the information. The company also advised that it would take 30 days from that day. Well today is XX/XX/XXXX. It has been more than 101 days and this information is still located on my XXXX   Credit Report. Can you please remove this inaccurate information. I have called several times with no help.
Consumer complaint received 2022-08-17
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. (TX)

To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you