davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: TRANSWORLD SYSTEMS INC (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Re : XXXX Complaint You closed this out after a letter was received from Quicken Loans. 
The company now holding ou mortgage is XXXX, and they show they received our XXXX payment from Quicken. 
We made the XXXX payment to Quicken on XX/XX/XXXX, and it is reflected in our statement from Quicken. XXXX  says they did not receive this payment. They do shoe receipt of the ESCROW amount of {$4000.00}, but no payment, all in XXXX. 
A previous 3-way call between Quicken, myself and XXXX did not resolve this payment discrepancy. Today, XX/XX/XXXX, XXXX  still does not show receipt of the XXXX payment, but they will pull that payment from the ESCROW to apply. 
This will make the ESCROW account short come time to pay taxes. 
Quicken maintains they sent the XXXX payment to XXXX. 

This is exactly why I made the original complaint, because it will cost me money, time, XXXX  and trust.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

i have 2 loans with loan depot on one building which is a duplex. county tract line goes down the middle of the house. Thus 2 loans. When i receive my escrow disclosure statements they fail to divide the taxes and insurance in half for each loan. Insurance for house is XXXX a year taxes are XXXX. I have this problem every year for the past 3 years. I have called customer service many times to fix the problem and are told that it is taken care of. But it never is. I have had my insurance co. call and send documents to confirm the information. and no response from Loan Depot. also the loans are the same amounts yet one loan payment is XXXX a month the other is XXXX when i inquired why they had no answer.On XX/XX/2016 I sent the insurance division a letter explaining this problem and never received a reply. I am very upset and angry. Your help will be great.
Consumer complaint received 2018-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I will attach letter of complaint sent certified return recite to XXXX. 

I have sent several letters that have gone unanswered to XXXX. 
overcharging bi monthly fees, and other random fees. late payment and late fees. 
contract states electronic draw monthly. I have no control over this. 
I have never made any payment ever late. 
I have simply asked for the return of all {$7.00}, {$10.00}, and {$30.00} overage fees and any regarding late payments be refunded. 
this has gone on for several years, XXXX never replys in writing, always on phone and the people on the phone have no idea of my account. this is a collection company. 
My credit is perfict and i would prefer to keep it that way. 
I have always made extra principal payments and paid before loan was due. 

Thank You, XXXX XXXX
Consumer complaint received 2021-02-22
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: Choice Recovery, Inc. (OH)

CHOICE RECOVERY INC add a collection ( medical ) on my credit reports. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me the you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates (CT)

This XXXX XXXX agency has said this dept is mine and it is not, they say they verify its mine and they have not. I have disputed this on my XXXX credit report and this collection agency said its mine so XXXX told me they have to say its accurate because this agency says it is.
Consumer complaint received 2021-08-11
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)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MA)

Barclay Card posted a {$9.00} XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX I called XXXX and I do not owe them money. BarclayCardUS is accumulating late fees on this closed card which are appearing on my credit. 
I need these people to go away and stop harassing me! 

Posted a transaction dispute with BarclaycardUS XX/XX/XXXX and they ignore it and charge me late fees. 
This is not the first time I am having fradulant charfes on this card. Card was closed XX/XX/XXXX. 

XXXX refunded me {$140.00} on XX/XX/XXXX which never was credited to my card. 
I had numerous fradulant XXXX magazine subscriptions charged to this card which I rectified myself. 
In XXXX someone stole my reward points and after complaining they magically reappeared without explanation.
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Motolease, LLC (FL)

Hi my name is XXXX XXXX, I purchase a used XXXX XXXX from a Dealer and the Financial institution that I use for the lease is MotoLease I was already approve for other motorcycle but end up finding a one of my dreams so I decide to ask Motolease to finance the XXXX. i contact them with the owner of the XXXX who has a dealer. I give the dealer {$1500.00} cash because they where selling me the XXXX for {$9600.00} and with the dealer fee, registration and plate well they say the you will finance {$9000.00} and the contract that I saw and sing was for 3 years or payoff {$9000.00}. OK, like a week ago I received a notification about my credit report when I look up its says New MotoLease auto loan well I fallow the steps and when in to that exact report and read that MotoLease Loan is for {$18000.00} the double of the price and the contract that i sign. i call them they says they have the contract sign but Im sure I read what the dealer guy print and there was nothing about % 100 interest and the lady who answer my call say that it was base on my credit and my credit by the time was XXXX fico score. I tell her no body will accept that deal if knowing that the bike worth half of the loan they make. So what I want here that they do a fair deal because these is abusive and {$18000.00} 5yrs is ridicules fraud.
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: EQUIFAX, INC. (GA)

I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my Equifax report multiple times and everytime I review it over the last few months it is still showing on my report.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (VA)

I never received my bill with the minimum payment. 

Citibank is refusing arbitration regarding terms and conditions of the double cash credit card. 

Citibank is refusing arbitration due to my social security income
Consumer complaint received 2020-05-13
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: Conn's, Inc. (TX)

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC #  XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Consumer complaint received 2021-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

My mortgage servicer pays my property taxes. My husband is a 100 % XXXX veteran who is eligible for the WI state property tax credit. Property taxes are to be paid by the end of the year and we must submit a receipt from our city treasurer when our taxes are filed showing taxes were paid by the end of the year being claimed. I called XXXX treasurer to obtain a receipt and was told the taxes had not been paid. This was the third week of XXXX XXXX have tried to contact the company several times over the past three weeks. I am put on hold for long periods, then get told they will escalate my issue, but nothing happens. City is showing our tax payment posted on XX/XX/2021. I need the mortgage servicer to contact the city treasurer to correct their error. We rely on the tax credit refund to enhance our retired income. My mortgage servicer is LoanCare. I also found out that they use a third party payer which we were unaware of.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

XX/XX/2022- used the online portal to close account as directed by the service. When through the process of verifying my account to close it, then was told that Citi had placed my account as inactive - it has {$10000.00} in it as of XX/XX/2022. They said funds would be delayed 10-15days since they would send the check by mail and I said that was fine. 

Because the account is inactive, I can not close the account or access my funds. I asked how I activate my account- I was on chat for almost an hour then tried by phone for with Citi, and both said the same thing : the only way to re-activate the account is through a mail with my account number in the file. I expressed heavy concerns that I both could not track the status of this request and did not trust the security of sending this. I was told that the only way to access the account would be with this. I asked if a deposit into the account would reactivate it and they said it would not. I did not receive letters saying the account was inactive nor warning me of this. So far, I have taken off half a day of work with no resolution in getting my funds from my 'Accelerate Savings ; ( high interest savings ) Account. 

I expressed heavy concern that I would not be able to track the status of my request moving along nor that I would know if the mail was successful and that this would cause unnecessary delays in accessing my funds.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

After many many times explaining to Equifax and speaking with the fraud department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.
Consumer complaint received 2021-02-21
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: EQUIFAX, INC. (MO)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

The loan has been paid off over a month and I have still received refund of the overpayment. Amazingly, I have received the title back but the {$2000.00} overpayment has still yet to be processed. The loan details are with Hyundai Motor Finance : - XXXX XXXX XXXX Overpayment made XXXX XXXX Still awaiting refund for overpayment of XXXX Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Title received XXXX
Consumer complaint received 2022-12-03
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: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-02-21
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: SECURITY FINANCE CORP (MO)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.