davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

I received a phone call about two weeks ago from this company. I didnt receive anything else and this was also my first communication I have gotten. They stated that they were attempting to collect a debt, and I did not know what debt they were talking about. They said I owed {$51.00}, and I was willing to pay online, the woman on the phone said that she would walk me through paying online instead of providing me the web address. I said that I couldnt stay on the phone long because I was at work and asked if she could call the next day. We agreed on XXXX the following day. She never called. On XX/XX/2021, I get a notice in the mail, stating it was collecting a debt. On XX/XX/2021, the notice was sent and on same day, they flagged my account for collections. I never got proper notice, and never got a callback number or email address or web address to contact. I didnt even know HOW to pay the debt let alone know its legitimacy and what the debt was in regards to. They only called me one time and sent one notice, all within the last two weeks. To date, this account is paid in full - despite the lack of communication and proof of legitimacy on their behalf.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: General Motors Financial Company, Inc. (MD)

Charger 2x for the same payment to the same company and the company told me I had to call the XXXX XXXX XXXX because it was an issue with XXXX XXXX XXXX saying the payment did not clear and then took the same payment again. {$2000.00} was taken out of my card unauthorized to GM financial and GM financial is telling me they can not resolve it, XXXX  XXXX XXXX has to stop/cancel prevent the unauthorized charge from clearing. Now my family have no money and it is only XXXX? 
I tried to contact XXXX  XXXX XXXX customer service to decline the payment but was placed on hold for 2 hours and the phone disconnected so the issue could not be resolved.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I have requested the following - I need the list and method of payments made on account. Specifically, the unauthorized payments that were insufficient allowing the credit limit to be exceeded. 

Thieves stole my card, charged on the card, and then made unauthorized payments that allowed the thieves to then continue charging on the card exceeding the credit limit. 
Please send name of bank or name of financial institute, payment account number, person on account, date of payment, time of payment, name of person making payment, IP address or phone number of person making payment, etc. 

The payments were unauthorized which allowed the credit limit to be exceeded which created a spiraling affect.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Premier Auto Credit (CA)

premier auto credit trying to repo my car for fees although I have paid the primary loan off they refuse to work with me on fees owed and all of a sudden my primary balance states I owe {$11.00} I'm thinking they are putting this to have reason to repo cause although I paid XXXX dollars two weeks ago the 11 magically appeared again I told them can I make  arrangement for the fees they said no they also were very rude saying that they are not the cause of the pandemic and they didn't cause my XXXX XXXX. The also have sent text messages saying they hacked phones etc ... They are very rude when you're asking them for help to work out something. They call several times a day and when I answer no one says anything and when I call I get hung up on I owe a lil over XXXX in fees and I can get my title all I ask is if they can work with me and I continue to pay monthly until it's paid because right now I am on medical XXXX and I am not working due to health but I do get enough monthly to make the payments XXXX  don't think I can return to work until XXXX. Instead I get rude people on the phone when I do talk to someone. It's not like I'm trying to run from my debt I have paid every month for three years. I need my car my XXXX XXXX  are all out of this area I have children. They seem heartless I paid my principal off and more just keeps popping up.
Consumer complaint received 2021-04-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

Unsure why I received a pre-paid mastercard. Never signed up for it. Tried contacting the XXXX number on the back of the card to get more information, but wants me to enter my SS and is all automated. Can't reach a live person to figure out how this happened. Checked my CR and no ID theft has occurred.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, XXXX  report showing this unlawful NA under XXXX XXXX XXXX. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank
Consumer complaint received 2021-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I have submitted several letters to XXXX, XXXX  and Equifax regarding false information listed in my credit report and have not received any feedback. I sent these letters back in XX/XX/XXXX, XX/XX/XXXX and just sent in another letter in XXXX. It has been several months and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from XXXX  and XXXX and Equifax.
Consumer complaint received 2021-04-12
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. (IL)

Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 
XXXX has me at a credit score over 710. Transunion has me at a score around 660. That is a huge difference. Transunion paints me as a Bum. XXXX say I have good credit. What the heck is going on here. 
Have have almost no debt. ( I prefer debits cards. ) I have a perfect repayment record. 
I have very low credit utilization. 
I have XXXX negative credit items outstanding. 
I have modest but ok income. Social Security. 
Something is wrong with Transunion. I do not understand why they are abusing consumers. 
I did try to get a " free '' credit report from Transunion. This was a fist step towards attempting resolution. They charged me XXXX without my authorization. They refused or were unable to refund. I had to reverse the payment through the credit card company. That was after attempting to contact Transunion more than 10 times. 
Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-10-12
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. (NJ)

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-12
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. (NJ)

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/2021. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Consumer complaint received 2021-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (FL)

I am not sure why the CFPB  is in existence. 
This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior. 

I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX  I am going to report him to XXXX XXXX DC to every XXXX  so he is put on the radar and not do this to other people. 

Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX  people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX  in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance. 

This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations. 
I am mailed I paid off my loan but yet these XXXX  can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX
Consumer complaint received 2021-04-11
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. (WV)

After reviewing my reports i sent a letter to the reporting agencies and didnt receive anything back. They should have contacted me by now and since they didnt the law states that they have to remove everything i disputed. It is my hope that sending this notice of violating the laws will result in a fair result.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

NewRez/Shellpoint Mortgage XXXX XXXX Compliance Dept Complaint Case # XXXX To whom it may concern : I submitted a complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing in XXXX of this year because Shellpoint persistently has falsely stated I owed hazard insurance coverage and thus late fees. 
Newrez responded to the complaint by admitting ( letter attached ) that I had hazards insurance and they falsey without caused purchased extra insurance. In this letter, NewRez also admitted that no overdue fees should be in my account. However, since the letter, my mortgage statement has a overdue payment of {$790.00}. There shouldnt be any overdue payment since the matter was rectified by them. 
This is in violations of the Real Estate Settlement Procedures Act and breach of contract or estoppel, in that NewRez incorrectly charging me mortgage fees and then failed to properly investigate and remedy the error. I tried calling customer service but only get rude and unprofessional agents who refuse to provide their full names. 
I do not owe any overdue fees. This issue has effected by credit rating and adding unnecessary stress. 
Im requesting that NewRez either fix the error or explain the fees. NewRez acknowledged the receipt of the notice of error but failed to remove the {$790.00} fee.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NV)

I have contacted Loancare over and over again and asked for a call that is not a generic toll free number and does not go to the right people. I believe that they are ignoring me and have decided not to give me the modified percentage to what the market reflects at this time in an attempt to continue with predatory percentages and pricing. I have sent payments, 4 letters to CEO XXXX XXXX COO and some administrative consumer person asking for assistance. I get generic letters 2 pages long which do not address any of my questions and requests. My interest rate is 4.5 % and we should be able to get it to 2.75 % based on current offers. This is an abuse of their own rules which offers a modified rate program and since my wife and I have FICO scores in the XXXX range we easily qualify. I continue to wait for an answer and an offer but we are not going to wait any longer and will take action if you can not help us. We are also prepared to pay down the existing loan by {$40000.00} to show good faith now that we sold another property.
Consumer complaint received 2021-08-21
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: ALLY FINANCIAL INC. (WA)

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and XXXX has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the XXXX XXXX  of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I try contacting this company on XX/XX/2021 via certified mail requesting validation of the alleged debt and never received a response from the company. However the company still reporting as a collection on my credit report and damaging my character, by law and by the letter a sent to them via certified mail they had 30 days to respond with proper evidence and/or proof that I owe the alleged debt. Currently this company is in default by failure to reply with me, pursuant 15usc 1692g I have the right to this information within 30 days or if failure to respond it results on default and it needs to be remove from my credit report immediately by FDCPA ( Fair Debt Collections Practices Act )
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (PA)

In XXXX this company claim I had late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
and in XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Which is not true.