davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (CA)

In XXXX XXXX a vehicle traveling at a high rate of speed lost control and crashed into my families primary residence causing catastrophic damaged. We have been going back and forth with out insurance company on the actual scope of repairs which is a complain of its own but not the one I 'm trying to currently address, my issue lies with my Mortgage company, Franklin American Mortgage XXXX XXXX. Upon receiving a partial payment from the insurance company, I sent in the check in total ( {$78000.00} ) to my mortage company to be put into escrow as was requested by both my insurance and mortgage company which was deposited by them into escrow on XXXX/XXXX/XXXX. Here is where my problem arose, the initial payment made by the insurance company was only a fraction of what I was quoted by 10 different independent contractors which were anywhere between XXXX at the lowest to XXXX at the highest to repair my home. Looking at all my options and getting rejected by every single contractor to take this job on for the amount provided by my insurance company to repair my home I realized I had no other option but to repair my home as a owner builder as permitted by both my county, city and California " business and professions code 7044 ''. Having years of building, plumbing and electrical experience behind my belt made this the only logical decision for my family and I, it is not something I wanted to do but unfortunately its only option and my only way to insure that my family gets back home. 

-On XXXX/XXXX/XXXX I submitted my XXXX followed by a Letter of request on XXXX/XXXX/XXXX as was requested by XXXX a subsidiary of Franklin American Mortgage to disperse the insurance funds for the repairs to me to start the repairs -I never received any phone calls back but when I called back again 2 weeks later they told me my request has been denied and for my to hire a contractor to start receiving the funds, I explained my situation and again was shut down XXXX I submitted a insurance adjusters worksheet again this was n't enough and they declined to release any partial payments to start the repairs XXXX I submitted a new letter of request siting the California " owner builder law and section code '', my engineers floor plans/blue prints, as well as my already approved City permits from XXXX XXXX XXXX XXXX repair my house as a Owner/Builder again i was strung on for weeks just to be denied without any just cause or them being to provide me with any legal documents entitling them to deny my requests. 

As of today it has been over 3 months of me loosing precious time to be able to get my family back home and I am truly believe that both Franklin American Mortgage XXXX and insuranceclaimcheck are both acting and Bad faith of the LAW and unlawfully withholding money needed to begin the repairs. 

Franklin American Mortgage XXXX XXXX Insuranceclaimcheck.com
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (CA)

my name is XXXX XXXX, I am who I say I am and no third party is involved with submitting my complaint. 

on XX/XX/2021 I entered into a consumer credit transaction with Carvana when I filled out an application to use my right to extend credit for personal and household purposes. Since Carvana operates under Truth in Lending and a Finance Charge is involved with this credit transaction I was surprised to see that they required a " down payment '' from me when a Finance Charge as defined under 15 usc 1605 is the sum of ALL charges in any consumer credit transaction and does not include charges of a type payable by a comparable cash transaction. 

So I called Carvana 's customer service line to try and resolve this issue and every rep I spoke to was willfully and knowingly giving me false and inaccurate information regarding the existence of their " required '' down payment. After speaking with underwriting they still continued to give me false and inaccurate information and continued to schedule call-backs which they said would be 24 hours, but I had to continuously call back and it took over a week to finally get to their executive complaint department and they too just gave me the same false and inaccurate information. Carvana is now in violation of 15 usc 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA.
Consumer complaint received 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

XX/XX/XXXX- Contacted Freedom mortgage regarding a refund for our XXXX and XXXX payment since we refinanced and our new loan closed XX/XX/XXXX XX/XX/XXXX- Sent documentation to Freedom mortgage as requested to show payment taken from savings account XX/XX/XXXX- Re-sent documentation to Freedom mortgage as they misplaced the information XX/XX/XXXX- Re-sent documentation to Freedom mortgage for the 3rd time. They stated that we would receive a refund within 15 business days. 

We have not received our credit of {$4200.00} - We were advised to send documentation for the 4th time. We would like to get this resolved so we can make our XXXX payment for our new mortgage
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (NV)

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my certified letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. 
I am currently unable to qualify for a mortgage refinance due to the erroneous information listed on my report. This is costing me {$400.00} per month and probably more now that the rates have gone down again.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (PA)

I have a HELOC account with Chase that has a zero balance. I transferred {$100.00} to my nephews account and the transfer was processed on time and no issue. I then attempted to transfer {$10000.00} and that transaction was flagged by Chase 's fraud department. They called me and I called them back. I fully authenticated using my social security #, a one time passcode provided by Chase and I answered all of their authentication questions.

After fully authenticating, the associate then proceeded to ask me why I needed the money which I found very strange. I asked for a manager and after a lengthy conversation was told that the transaction is approved and it will be processed. 

I called the next day because the transaction was still showing pending. after another lengthy conversation I was once again told that the transaction was approved and it will process. I checked my account on XX/XX/21 and the transaction is now completely removed from my transaction history. I called Chase on XX/XX/21 at XXXX and was transferred to a VM where the call disconnected afterwards. 

I dont understand why I was told twice that this transaction was approved but the opposite was true. What is the reason why I cant transfer money from my HELOC account? Nothing has been explained to me and I don't feel that I am being treated fairly. I am expecting that money to be transferred, I am told the money will be available on several occasions but Chase doesn't seem like they have any intention of transferring these funds. WHY?
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.
Consumer complaint received 2022-04-26
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. (UT)

They repeatedly keep the same INACCURATE DISPUTE COMMENTS on my student loan. I NEVER DISPUTED IT OTHER THAN TO ASK THOSE DUMMIES TO PUT THAT IT'S IN FOREBEARANCE UNTIL 2026!!!!!!!!!!!!! Yet I got a notice from my credit monitoring company that they're STILL INSISTING I DISPUTED AN ACCOUNT THAT'S ACCURATE, WHEN IT JUST NEEDED TO STATE IT WAS IN FOREBEARANCE!!!! I'm sick of this problem and it's time to take more serious action to correct it.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  : Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX  Bankruptcy : Account Number:XXXX 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 2023-01-12
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: Experian Information Solutions Inc. (CA)

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party Supplemental Information with XXXX XXXX. Most importantly the section Supplemental Records and Residential Information. Was Data source/ Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in the County of XXXX. Original Lien holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of Financing. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of XXXX.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

My mortgage company, Guaranteed Rate, has managed to mis-step every aspect of this loan. I submitted a complaint earlier this year as they were taking my monthly payments yet not allocating them to my account and subsequently sending me default notices. Thanks to your help that issue was fixed. However, despite them now allocating my monthly payments which include P, I, Insurance, and Property Taxes, they have managed to include the wrong tax info on my account. As a result they have not paid my taxes for two quarters ( so I am once again in default for this mistakes ) and they have been sending my escrow money to pay someone else 's property taxes. I have reached out for assistance in fixing this problem and have had no luck. And, they have now sent out another incorrect payment and missed another quarter 's taxes despite me reaching out and notifying them ( including sending them the latest XXXX of XXXX tax invoice showing all the details ). 

Please help!
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the equifax data breach and i'm concerned it may have got into the wrong hands.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX data breach and i'm concerned it may have got into the wrong hands.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

I had approximately 10 store credit cards backed by comenity bank in the last 3 years. For each one, I requested SCRA benefits due to being a legal resident of a key provision state which extends 6 % interest cap despite accounts being opened after joining XXXX XXXX service. I have asked for denial in writing, was declined. I sent messages and made numerous phone calls. Comenity bank does not have federal sovereignty therefore they are violating federal law in the overcharge of interest to military members who are legal residents of key provision states. Request written explanation of why comenity bank doesnt have to follow federal law.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2020, I attempted to purchase a Diamond ring from XXXX and was under the impression that if I applied for a Wells Fargo jewelry credit card that I would be able to make the purchase immediately. Once I applied for the credit card, I realized that I wasn't able to use the credit card for two weeks which was extremely misleading. The available {$6200.00} credit line with Wells Fargo was practically useless given the purchase price was {$18000.00}, my credit history is stellar, as well as my current income is extremely high with very low debt to income ratios. 

Once I realized that I wouldn't be able to use the credit for several weeks, I purchased the ring cash from the website XXXX XXXX A few day 's later, it appears as though I was bait and switched as XXXX XXXX  called me and said the diamond ring that I had purchased was not available. They attempted to sell me a lesser diamond at a higher sale price and I eventually had XXXX XXXX issue a refund. 

I was mislead by XXXX XXXX with a product that wasn't actually for sale and the terms with the Wells Fargo card was extremely misleading granted I was under the impression I would be able to utilize it immediately.
Consumer complaint received 2017-12-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frontline Asset Strategies, LLC (NY)

On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (MS)

Several people have called me about a check and go loan for {$760.00}. The person I spoke to today didnt verify any information just started telling me info about the account and when I made him aware of it he got offensive. I asked him how was he gon na just give me info without verifying who I am. He said they will just see me in court. 

Last week, a lady said the same thing when I didnt verify my social because she couldnt tell me what or whom it was about.