davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Trakk, LLC (PA)

Was told no interest leasing. No interest charged. That is what autotrakk llc advertises. Its fraud. I leased a XXXX dollar car contract says XXXX total charges being charged XXXX for buy out fee of XXXX and " rent rate '' charges to rent a leased vehicle. Thats XXXX additional dollars in charges that appear to be interest but they are hiding it under " rent fees '' none of this was explained to me by XXXX XXXX XXXX in XXXX XXXX where I purchased the vehicle. Also had the police called on me for demanding my car to be fixed ... engine blew 1 month after I purchased the car that came with warranty. Owner is XXXX and so is the manager of the finance department. Due to my lack of education and  inexperience of financial calculations and verbiage i was mislead and taking advantage of by XXXX XXXX XXXX in XXXX XXXX and autotrakk llc. Was also charged XXXX dollar fee to lease the car still not sure where that fee went to. Autotrakk and XXXX XXXX XXXX engages in unfair, deceptive, abusive acts towards consumers. I am stuck in a vehicle that is valued at XXXX kbb but im paying XXXX in overall costs. The car is a lemon that breaks down every other week. And the rent charges and buy out options were not explained to me and I did not understand what I was signing. I have attained an attorney as well.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

More than 365 days and ongoing, I have submitted legal documents to have my name changed on my PennyMac mortgage loan. I have mailed, faxed, and scanned via their secure portal my judge signed name change, copy of my state license reflecting the name, and a copy of my homeowners 's insurance showing that my name was legally changed in XX/XX/XXXX. In addition, I recently received a modification in XXXX where the documents I had notarized where in the last name XXXX, therefore, my problem is with settlement documentation. This request is important to ensure I am able to stay aware of my credit report for incorrect data and avoid fraud at all cost. I have been a victim several years ago of fraud and would like to avoid any and all opportunities for it to occur again. I am extremely confused because the receive and pay the policy which is submitted by XXXX under the last name XXXX. I would really like your assistance with having my information corrected. In addition, this service provider has sent correspondence to my address for their other customers. This is very scary for someone that should protect your information.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (TX)

I have 2 accounts with Crypto.com, each account has its own email and phone number. My first account I got locked out of ( Email : XXXX ) because I did an update and the phone number that was on the account I no longer have. They told me that I had to send in a picture with my name date and a code and they would change my phone number. I did everything like they said and they changed my phone number. My 2nd account I got locked out of as well ( Email : XXXX ) when I had an app. update last week on Thursday XX/XX/XXXX  that I did. When I went to log in the phone number that I had changed the week before was not updated. So when the app. update was done, it was asking for me to put the code that was sent to a phone number that I no longer have. I contacted Crypto.com the guy told me to take a picture of myself with my name, the date and a code and they would change my phone number. It would take 24 hours to update. After 24 hours another person XXXX answers saying that I have to speak to someone to verify that I am who I am. They asked me some questions like what was the last purchase. I know that I answered that wrong, I did purchase the crypto that I said that same day but it wasn't the last purchase that I made because I had made several different purchases. After the call XXXX said I failed the verification and that she wasn't going to speak to me again. Said that there is nothing further to be done. That no one was going to speak to me. So all of my investments they think they are going to keep? I have all my bank statements and emails from Crypto.com confirming the purchase I need my phone number changed on my Crypto account to have access to my investments. I did all these transactions with my wife 's checking account that we share together.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

I had a savings account with American Express with {$900.00} in there. They closed my account and refuse to return my funds. I have tried calling, I did their live verification. They are saying that the bank that I transferred from has to recall the funds. XXXX XXXX has tried that and they still refuse to send the funds. I even tried to dispute and they are fighting that as well. I know {$900.00} isn't a lot to many people, but as a single mother of XXXX, it is equivalent to a XXXX dollars for our family. I'm not sure what else to do at this point. They are just stealing my money
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (PA)

XXXX has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from XXXX however XXXX continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great stress and XXXX  in which I have had to seek medical attention for.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (MN)

My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help me
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A check was deposited into my bank of America account that I didnt deposited. No money was removed from my account but I needed to report this to clear my name I am having a hard time clearing my name
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dream Center Education Holdings (VA)

I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe The Art Institute any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that The Art Institute never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from the Art Institute notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX my account was closed and funds were debited but not under XXXX guidelines Ownership of funds policy STATES THE PRIMARY CARD HOLDER IS THE SOUL OWNER OF ANY AND ALL FUNDS DEPOSITED. After my investigation my account was deemed NONE FRAUDULENT and closed out with no reason only that PNC does not want to do business with me .... FAST FORWARD THE FUNDS ARE GONE, they have been sent back to the originator but not under federal guidelines a ach reversal can only be done within 5 days and under r17 can be returned up to 60 days it had been 3 years and I had no wrong doing. The Funds are gone and no one knows where.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
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. (GA)

I have submitted multiple documentation to prove that I am a victim of identity fraud I later received A response from TransUnion that the account come back verified after I sent them my Ftc report and police report the information should have been blocked and removed from my credit report before the investigation started I have disputed multiple times with Transunion and XXXX XXXX XXXX  XXXX and XXXX has already removed the fraudulent account XXXX months ago I have submitted a new police report and a new FTC report related to the fraudulent account I have consulted with my attorney general office of the consumer protection division I also complained against TransUnion and I have consulted with my attorney TransUnion will have 30 days from the start that I send in my documentation again or I will file a federal lawsuit in their state with my attorney 's office also the account was fraudulent with a balance of {$440.00} opened XXXX XXXX 2019 I am attracting a new police report filed with my local Police Department and also a ftc report
Consumer complaint received 2024-02-22
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. (TX)

I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/2024. The inquiry dated XX/XX/2024 is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Equifax is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report.
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was told not to do anything but I took the proactive approach and filed a claim with the FTC and attorney general. I also planned on filing a report with the attorney general and XXXX for XXXX XXXX/zelle but was waiting to receive a call or email back. After calling today, I saw that there are notes on file but nothing explaining what actually happened. If you go back and listen to the recording you will be able to see that I was essentially strong-armed my a very XXXX  man in a bad neighborhood with XXXX XXXX who begged to use my cell phone for a call. I was hesitant but due to the fact I was with my wife and in a bad neighborhood, I complied with his request. He was then able to send {$1700.00} through zelle in my XXXX XXXX app before getting my phone back.I was able call in and report it while the transaction was still pending and provide the phone number it was being sent to but they were unable to stop it from happening. I will come into my closest branch as soon as its open but wanted to provide a copy of the first fraud claim to help re open the casa or expedite the process. Once I speak with someone I will then take the necessary steps through the attorney general, XXXX. I would like to submit an authorized pushed payment fraud as listen in your XXXX and will commit any time and resources I have to get this taken care of.Please submit a SUBJECT ACTION REQUEST to dig deeper into the issue to get my money back for my bills and make sure this does not happen to someone else in a poor financial situation. In the mean time I will also reach out to Financial Ombudsman Service. To see if they can add additional assistance
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.