davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score. 

5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX. 

XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.
Consumer complaint received 2018-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX  is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX  that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.
Consumer complaint received 2018-10-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (TX)

From XXXX to XX/XX/XXXX, my wife and I worked with the XXXX XXXX XXXX to close on a house, which I currently resided in. From XXXX to XX/XX/XXXX, my wife and I worked closely with our XXXX XXXX XXXX agent, who worked at the XXXX XXXX XXXX. During this time, I sent multiple paystubs, applications, and documents ( to include my VA XXXX Letter ) to our XXXX XXXX XXXX agent. Unfortunately, we found out through our XXXX XXXX  XXXX agent that she was fired sometime between XX/XX/XXXX and XX/XX/XXXX. 
Because of this, the owner of the XXXX XXXX XXXX ( NMLS #  XXXX ) took over to assist us in closing on our future home throughout the month of XXXX, XXXX. Since the owner of the XXXX XXXX XXXX took over, we had to resubmit ALL of our documents to the owner of the XXXX XXXX XXXX via email and seemed like he was confused on the appraisal of the house. In order to ensure that the house appraisal was correct, my wife had to recruit the assistance of our realtor to provide the accurate home appraisal. I had multiple conversations with the owner of the XXXX XXXX XXXX to clarify my VA Rating being XXXX %, not XXXX %. The closing of our home was postponed and rescheduled two different times. Finally, my wife and I closed on our home on XX/XX/XXXX. 
In XXXX of XXXX, I received a letter from my current mortgage company, XXXX XXXX  ( XXXX. XXXX XXXX, XXXX, TX XXXX ), that I have an Escrow Shortage of approximately {$7700.00}. Sadly, XXXX XXXX only provided me 1 week notice that my mortgage payment increased from {$1300.00} to {$2000.00}. After multiple attempts, XXXX XXXX  was only able to provide a 3 year payment plan that decreased the {$2000.00} payment to now a payment of {$1900.00}. I also called the XXXX Tax Appraisal Office to figure out what happened. After discussing my issues with my agent, she explained that apparently when my house was being closed on, the original lender ( XXXX XXXX XXXX ) was using the wrong appraisal information. The agent also mentioned that my VA XXXX was wrongly inputted as XXXX %. I explained to her that I was rated at XXXX %. In the county of XXXX, veterans rated at XXXX % have no property taxes. Veterans who are rated between XXXX %, get a discount on property taxes. Because of this discrepancy, I now have an escrow tax shortage of {$6000.00} and an insurance shortage of {$1700.00}. All of this could of been paid off if my original lender ( XXXX XXXX  XXXX ) used the correct home appraisal information and used the correct VA XXXX Rating. Throughout this process, my family and I have incurred late fees and extra mortgage costs due to the XXXX XXXX XXXX mistakes.
Consumer complaint received 2021-06-24
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. (NY)

On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (CA)

Ruining my credit score! Received a letter in the mail from contract callers stating they are collecting on an account I'm not aware of. I contacted contract callers and spoke with supervisor XXXX XXXX out of XXXX office and he stated that their contract with this company they are collecting for has changed and they are not supposed to be reporting on my credit and they are working on removing all reported accounts by contract callers from thousand of people reports. He ensured me that it will go away as this is not allowed by them anymore. Also they reported to my credit that this is 5 months past due with their company when this is the first letter I received. They also did not give my time to respond before they slammed it on my report. To my surprise two days later they reported to another bureau and lowered that score as well. I want this removed from my credit file as stated by XXXX XXXX on his recorded line. Also they are reporting under two different names. One report says contract callers and the other say XXXX. This to me seems like fraud!!
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/18 I went to the transunion web site for a free credit report. I filled out the info and got my score. I then received an email saying that I owed {$19.00} and would get a recurring monthly charge for that amount. 

There was no indication upfront that I would be charged or that I was signing up for a monthly service. 

I called their support number and after 15 min or more of them telling me of all the great services this provided I was able to get my subscription canceled and told I would get my initial {$19.00} back after 3-5 days.

There needs to be a very noticeable warning that if you enter the info you're going to be charged. 

I am outraged that they can get by with this kind of deception!
Consumer complaint received 2018-07-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.
Consumer complaint received 2022-10-15
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: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance has violated my consumer right to privacy although I have made them aware that I did not and do not consent to the sharing of my nonpublic personal information to nonaffiliated third parties. They have furnished this account on my consumer report. They have violated my rights and multiple federal laws. 15 USC 6801 protects my right to privacy. 15 USC 6802, and 6803 obligate Credit Acceptance to provide me with the opt-out disclosures and obligate them to comply with my choice to opt out of the sharing of my nonpublic information. I have sent multiple complaints through the CFPB regarding this issue. I also sent an Affidavit of Truth to Credit Acceptance on XX/XX/XXXX. They have failed to rebut this Affidavit of Truth and instead responded with a " template '' on XX/XX/XXXX. Credit Acceptance claim this " template '' is a model for what they claim to have sent to me on XX/XX/XXXX. Credit Acceptance has provided nothing but hearsay. I also contacted the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX about this situation. Credit Acceptance responded with the same " template '' that they sent to me. They only sent this " template '' after receiving my Affidavit of Truth with Exhibits which included a copy of the letter they sent to me on XX/XX/XXXX. Credit Acceptance responded they have not obtained a copy of this letter that they claimed to have sent to me on XX/XX/XXXX. I rebutted this response with the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX but I have yet to receive a response from Credit Acceptance. 

Furthermore, Credit Acceptance has failed to comply with the Cease and Desist that I sent to them on XX/XX/XXXX. I requested they cease ALL communication. The furnishing of this account on my consumer report is " communication ''. 

See Attachments.
Consumer complaint received 2023-03-21
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. (TN)

It has been bought out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX : {$4700.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-01-15
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian refuses to review my disputes. After every dispute that I submit the results comeback as suspicious. There is nothing fraudulent about my disputes!!
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

every year penny mac mortgage review XXXX my loan for taxes paid to local community for real estate. they then send a threating letter that if real estate taxes are not paid they will require escoret acct and charge us extra in the payment for the taxes. this occurs every year approx XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. our loan is conv 15 year loan which we took to quickley reduce the balance and pay the taxes ourselves. we pay quarterly or monthly depending on our income and expenses and allways catch up to date. 
last year and this year i have called them wrote them to explain that. they refuse to allow us to pay the taxes monthly or quarterly, and threaten escoret and foreclosure if not done.When we signed the loan, the purpose was know to both parties that taxes would be paid out side the loan, they never stipulated timing of when they needed to be paid. 

Penny mac XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Consumer complaint received 2022-08-11
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. (FL)

I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX -XXXX  XXXX XXXX XXXX Account Number : 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 a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX is reporting negative information on my credit report and have been doing so for the past 2 years, i have contacted them several times and advised them that the debt does not belong to me and asked for original documentation ( a consumer contract with my signature on it ) to be sent to me which is required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ) to this date they have not provided me such documentation, i have contacted all three credit bureaus and they conducted an investigation and removed the item from my report previously, however they have now sold the debt to another collection agency XXXX XXXX XXXX whom is now reporting negative information on my credit report.
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (RI)

I am being called by American Express and its agents about a debt owed by my brother XXXX XXXX XXXX. I have called Amex about this and explained to its agents that I have no contact with my brother or current information about him. I have explained that I am the only one that answers the phone number they are calling and that I want them to stop calling the number but the calls continue.
Consumer complaint received 2020-04-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (WA)

I had completed a divorce in XXXX of 2017 and was awaiting my ex-wife to sign the quitclaim deed, to have her name removed from the mortgage title. After several legal measures were taken and two years I obtained the quit-claim deed and all necessary documents that the mortgage company required. I sent in all documentation ; including a signed letter from my ex-wife stating that she no longer lives at the property nor does she make any payments on the mortgage. 

The mortgage company XXXX Planet Home Lending , LLC XXXX stated they received all documentation but when I took the next steps to refinance the mortgage in solely my name the mortgage company refused and are trying to add my ex-wife 's name to the refinance. They will no longer accept any payments and instead return any and all mortgage payment attempts. 

I have become so utterly defeated with this my mortgage lender where now I have no other options but to sell my home where my children stay and attempt to find somewhere else to live. I have no extra monetary funds to hire an attorney and the company does not want to work with me nor do they care about my family or previous service to my country.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I had fraudulent activity on a credit card XX/XX/2018. I used online services to report and request a fraud alert with XXXX, XXXX and Equifax. 

I reported the same information to all three agencies. However, EQUIFAX DOES NOT HAVE MY ADDRESS CORRECT IN THEIR SYSTEM. There have been no clarification requests from XXXX  and XXXX. Equifax however, keeps repeatedly sending a form letter that states " the identification you provided does not match our records. '' I spoke to an Equifax rep and her supervisor without resolution, faxed the requested verification documents without resolution and, after I received the same form letter again on XX/XX/2018, sent by certified, return receipt mail the requested documents a second time. The certified mail number was referenced in the cover letter and EQUIFAX SIGNED FOR THE CERTIFIED MAIL ON XX/XX/2018. EVEN THOUGH EQUIFAX RECEIVED THE REQUESTED INFORMATION ON XX/XX/XXXX, ON XX/XX/2018 EQUIFAX SENT ME THE VERY SAME FORM LETTER AGAIN. 

I have twice provided Equifax with the requested documents to make the correction in their system. I have had no credit inquires, do not have a mortgage on my Indiana property, do not have a car payment, have not applied/opened a new credit card, have not closed a credit card, pay all credit cards in full each month, etc. There have been no requests from any other agency, I receive bank statements, bills, etc. timely. The problem very clearly rests internally with Equifax with no resolution in sight.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

I am writing to file a complaint against Goldman Sachs regarding their handling of a pending transaction on my credit line. Specifically, I have noticed that a transaction has been held against my available credit line without my agreement or consent. 

I have been a loyal customer of Goldman Sachs for several a while, and I have always made my payments on time and in full. However, I was shocked to see that my available credit line had been reduced by the amount of a pending transaction without any explanation or warning. 

After speaking with customer service representatives, I was informed that the pending transaction was being held for security purposes. However, I am not able to see the {$200.00} hold reflected in my transaction history. 

I understand that holding a pending transaction for security purposes is a common practice in the industry. However, I believe that Goldman Sachs should have notified me of this hold and obtained my consent before holding this transaction against my available credit line.
Consumer complaint received 2022-05-02
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. (GA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.