davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
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: V and H Portfolio (GA)

I have a loan with XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AR)

I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX. XXXX XXXX was my sales person for the day. The car was XXXX I agreed to put XXXX down make 3-4 payments then pay the rest off once the tags come into the dealership. I never received my tags after multiple attempts regarding the car and the money I was paying I still hadn't receive a call back or email. I decided to drive to the location and there was a empty lot. No cars no sign of cars or a dealership ever at the location. A police seen me looking around and stopped and informed me the dealership was in some type of legal activities and they vanished. I was giving information to take to Texas DMV and the police filed a report with me. We later found out the car was never registered with the state or was there any proof I purchased the vehicle .Due to me having the proof on my end from the day of the sale we was able to find out the car was on the pro selector list and I was able to soon get my title after a 2 years of fighting with multiple people.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

In XXXX of XXXX I received a promotional flyer from USAA offering a {$200.00} bonus for opening a checking account and then completing a {$300.00} direct deposit. Prior to opening the account I spoke with a USAA banking representative by the name of XXXX. I was assured by the USAA representative that an ACH transfer of {$300.00} would complete the requirements for the {$200.00} bonus. In mid XX/XX/XXXX I called and spoke with a conflict resolution XXXX that indicated that they would review the XXXX call. Later that week I received a call from an individual that said they were from the XXXX 's office. The individual assured me that I had met the requirements and that all that remained was for me to wait till the funds had been on deposit for 60 days. That 60 day window ended on XX/XX/XXXX. On XX/XX/XXXX I called USAA and spoke with XXXX. She assured me that the {$200.00} would be deposited within 3 days. On XX/XX/XXXX the monies had not been credited to the account and I called again. This time speaking with XXXX who once again said the issue would be researched and they would get back to me. On XX/XX/XXXX I received another call from the CEOs office letting me know that even though numerous employees had stated I had fulfilled the requirements for the bonus that they determined I had not and in spite of all the previous promises I would not receive the bonus. Instead they were embarking on an intensive education program for employees.
Consumer complaint received 2024-03-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (MA)

I was asked to pay a debt I do not owe to Rushmore Servicing, XXXX XXXX XXXX ( both debt collectors ) and XXXX XXXX. As required by the Fair Debt Collection Act and Massachusetts Fair Debt Collection Act. Pursuant to MA GL Part 1 Title 15 xz CH106 Article 3 Section 3-118 ( b ) since there have been no payments made for a continuous 10 years this debt action to enforce is barred. These companies were told to stop collections on a barred debt and take no further action against me. They have refused to respond to FCCPA requirements and will not present a viable creditor for this loan. They also continue foreclosure proceedings against us. 

My husband 's signature is a forgery. He did not appear at the closing and this debt was not funded to him. I never gave authorization for a mortgage on our property. We know under Massachusetts law that the security is void where there never was authorization to provide a mortgage.
Consumer complaint received 2020-08-29
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. (CA)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Transunion they failed to reply within 45 days to verify these inaccurate accounts.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (DC)

PNC Bank NA has arbitrarily disabled its interconnectivity to XXXX. I am unable to transact touchless/contact-less transactions to support an XXXX  XXXX XXXX. There was no notice or warning provided to bank customers of this development and no consideration of the monetary impact this would have on thousands of PNC customers who use XXXX to reduce their transaction costs in personal and business banking.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (GA)

Case number : XXXX OCWEN FIN. 
In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STANDARD MORTGAGE CORPORATION (TX)

I reached a Loan-to-Value ratio of 78 % back in XX/XX/2022. Since then, Standard Mortgage has continued to charge me for Private Mortgage Insurance, despite the fact that it should be automatically removed once my XXXX reaches 78 %. I continued to be charged every month till now. My current LTV ratio is 73.6 %. 

I have asked them to review my account for PMI removal, but Standard Mortgage makes it difficult to initiate this review by not handling it immediately over the phone and requiring me to send an email. This email, XXXX, is not published anywhere on my online account portal. 

There is a deceptive pie chart on the online portal which tells me that I still have 82 % of the " loan amount '' remaining. This is misleading because it makes it seem like my LTV is 82 %. However, the LTV should be calculated against the value of the home, not the value of my loan after downpayment.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and Experian credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 2021
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. ()

I made a mobile recharge for my XXXX number for the plan XXXX as on XX/XX/2020 and the funds were immediately debited from my account for XXXX but recharge was not successful and then I contacted XXXX customer but they said we did not receive your payment and then I contacted gpay customer care they said your money will be refunded by XX/XX/2020 but till now either the money is not refunded or the recharge is not successfully, could you please do the needful.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (CA)

I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX through American credit acceptance and I was told at the dealership my monthly payment with my credit score would XXXX but offered a credit protection on maintenance which made the total monthly XXXX a month. After the maintenance protection fall off my payment should have been XXXX but they said I have to now pay the XXXX for the remainder of the 72 month loan. 
The car was XXXX I was charged XXXX for 72 months at 28 %. I paid XXXX towards the car. I then asked to refinance I was told no. They had me trapped in this bad loan and I asked if I can voluntarily return vehicle because I can no longer afford this rate. They came repossessed the car for non payment. This is fraud.
Consumer complaint received 2024-02-02
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. (IL)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2021-10-06
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (MI)

Was contacted by a collection agency trying to collect a false debt. The amounts are false/fraudulent trying to be collected from a company that I never signed a contract with and that I was not involved with. The charges are fraud/false and the collection agency would not provide anything or any contracts with my signature. I do not have a contract nor do I own the property they are saying the work was done on. The company trying to claim the debt has bankrupted and there has been lawsuit after lawsuit against them for fraud and a warrant out for the owners arrest.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (GA)

Took out a loan with river valley loans and it's interest rates are XXXX % which at the time i didn't realize that that interest amount is illegal in my state or XXXX I absolutely can not afford the payments on this loan. Again it is also illegal in my state
Consumer complaint received 2020-08-29
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. (CA)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax and they failed to reply within 45 days to verify these inaccurate accounts.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (UT)

GM Financial is reporting an account on XXXX that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with GM Financial and needs to be removed as they can no longer reflect the true status of the account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

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.

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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

I was in the process of purchasing a new car and I realized that I have damages on my credit report. In accordance with the fair credit reporting. Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC ( 1681 section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (IL)

I sent debt validation request. NCB did not respond with information legally required by the FCRA. I also disputed the debt with the three major credit bureaus. Even tho NCB didn't validate the debt. The continued to report to the bureaus.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

After checking my credit report and seeing a mortgage servicer on all XXXX bureau 's, I had informed them of ID Theft was involved in getting that mortgage and it was not mine, along with a few other situations on my report. They have not removed nor have they asked for anything but payment to them. I refuse to pay for something I did n't do. I did back in 2009 file an ID Theft report with the local sheriffs department to have placed on my credit reports to stop all illegal activities.
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (SC)

Company does not have ORIGINAL copy of original leasing documents. Company has been repeatedly calling violating privacy act. Company reported information to credit companies and didnt show proof of original contract. Company needs to remove this collection within 30 days. I do not owe this company. I do not OWE debt this company. Very rude employees and its proven on XXXX XXXX  for company
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (MI)

My mortgage was transferred to Roundpoint Mortgage Servicing in XX/XX/2023. Ever since the transfer I have consistently faced trouble submitting my payments through their online website. I always ensured to submit my mortgage payments on time, yet their online payment system either does not deduct the payment or returns it to my bank as a stopped payment. I usually have to resubmit my payment twice or thrice to ensure that they received my mortgage payment. Recently, in XXXX I have faced the same issue, however now they completely changed the amount received although my bank statement indicates that they received the complete amount due. Whenever, I try to speak to the customer service center they are of no help, evade answering questions, and state that they can not see my payments through the system and try to make it appear as though it is my banks problem, although it is not. Please, help me ensure my mortgage payments are timely paid, I have everything to prove I have submitted my payments timely. This company does this to increase the monthly payments and are causing me unnecessary trouble and financial harm. Please help me resolve this by communicating with them. I am honest in my dealings and try to stay up to date with my mortgage payments. Thanks!!
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (SC)

XXXX XXXX through phone conversation agreed to 1 bottle of pills. 
XXXX XXXX XXXX received 5 bottles of Hemp Gummies! which I immediately disputed at Comenity bank 's website, a {$190.00} charge and contacted the company by their requested email. Heard nothing back, so I mailed back the pills. 
XXXX XXXX Received postal proof that the company received it. They then contacted me and said without an RMD number, they couldn't give me a refund and had to destroy the unopened bottles of pills. 
XX/XX/XXXX, XXXX Comenity sent letter stating my case was under investigation, asking for any new information. I re-sent the entire packet of information, including the latest above. 
XXXX XXXX received letter stating that they are currently researching my claim. ( I assume here that they used my last letter giving more information as a new claim ). 
XXXX something- I find out that Comenity has not been taking out my auto payments as agreed from the start of my credit card payments. I called and made a phone payment of the entire balance they told me I owed. 
XXXX XXXX Told me I owed {$51.00} in finance charge. I paid this under duress due to harassment, and closed my card. 
XXXX sent letter to Comenity asking for the return of my {$51.00} finance charge as it was their fault for stopping agreed XXXXupon auto payments. 
XXXX received letter stating this claim was being researched. 
XXXX received phone call stating I owed {$42.00} in interest. 
XXXX Checked XXXX and found my credit rating had gone down over XXXX points due to this! 
XXXX Called Comenity and asked to speak to supervisor. I did, and was told the matter would be cleared up and within 48 hours, I would have a XXXX balance. 
I have received no proof of this, and no way to find out until I get the next phone call asking for more money!
Consumer complaint received 2020-08-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

Debt believed to be from deceased husband, XXXX XXXX ( died XX/XX/XXXX ). Currently DEVILLE ASSET MANAGEMENT is attempting to collect the debt, reportedly from " XXXX   XXXX  ''. Account was opened on XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (HI)

I am being sued by Midland Credit Management for {$740.00}. {$300.00} more than I owed on the XXXX XXXX XXXX card because I stopped being able to pay when XXXX first hit and I was laid off with a small portion of my already low pay in XXXX. They were supposed to stop adding fees on during that time but now I am being sued for {$740.00} + an extra payment of {$230.00} in court costs, when we havent been to court yet. They paid XXXX on the dollar for this debt and it is shameful and certainly unlawful they would go after me for so much more. I never received a notification of the debt prior to them suing me.