davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (SC)

Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following accounts are unauthorized. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Consumer complaint received 2022-06-06
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. (PA)

Hi, I'm having an issue with Transunion credit reporting agency, they are still showing that I have a late payment on my credit report. I also have ( AUD ) numbers ( XXXX ) ( XXXX ) ( XXXX ). This issue has been going on for about three months now. The company that is reporting late is Police and fire credit union.
Consumer complaint received 2022-09-07
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. (MI)

In accordance with the Fair Credit Reporting act XXXX and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, Preferred Lease account number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX Na dated XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Na XX/XX/XXXX, XXXX  XXXX Na XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AGS Financial, Inc (NC)

I financed a vehicle from sage auto sales through age financial in North Carolina, XXXX XXXX XXXXXX/XX/XXXX. I paid a down payment and I was told that it would apply to my total amount of the auto loan.however I recently went Over my contract and it was a lie and fraudulent the contract is null
Consumer complaint received 2022-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (FL)

I applied online at lendingcashexpress.com for a personal loan. I received call from XXXX XXXX XXXX that I was approved for a {$3000.00} loan. The person told me I needed to call XXXX to receive my loan. I called XXXX, and spoke to XXXX. XXXX told me I had to satisfy a verification process in order to get the loan by paying {$150.00} on an XXXX Card. He mentioned that since they do not pull credit, this is how the company checks that you are qualified to pay back the loan. He also sent me a Loan Agreement for the loan. XXXX told me the {$150.00} would be refunded back to me by the Company paying me {$3100.00} for my loan. I paid {$150.00} for an XXXX Card to satisfy the verification process for the {$3000.00} XXXX. After I paid the verification, XXXX gave me the phone number XXXX to call to get my loan. I spoke to XXXX XXXX at XXXX and he said I would have to pay an additional wire fee of {$300.00} to get my loan. I either want my {$150.00} back or my loan of {$3100.00} which includes reimbursement of {$150.00} XXXX card. The Company should have told me all the out-of-pocket charges of the loan I would be required to pay upfront to get the loan.
Consumer complaint received 2022-06-01
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. (MI)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : 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 XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX, I received a letter from a credit card company for a card I never applied for from Comenity Bank. I called the number listed on the letter to tell the company I hadnt applied for the card. The number was XXXX. I verified some information on the phone. The woman on the phone said I was a victim of identify theft and said they would report the incident to the credit bureau. I am now unsure if the letter was legitimate or if was to get my information.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (GA)

Today i Tried to Remove unauthorized inquires from my Equifax Report and they would not let me remove them. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/2022 XXXX XXXX XXXX took a {$100.00} from my Checking Acct. 
On XXXX XXXX XXXX the same company took out {$70.00} from the same Acct. 
Several times I requested them to Cancel my contract and this all was because they didn't do the repairs as they advertise when I became a customer with their organization 2 times once in XXXX and once in XXXX. where they did nothing to repair my Heat Pump the first time in the winter when it was cold and once in the Summer when the heat was 100 degrees. I am a XXXX veteran with XXXX XXXX XXXX and both conditions of the weather have affected me.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

With the main loan or the big loan I am ok with a lot of sacrifices but I am paying on time because my son is helping me to pay with the 2nd loan is with the one I have problems. The put me on foreclosure but according to them they canceled it..because I didn't pay the 2nd loan for a while.. the confusion and problem was that nobody send me a bill since I did a bankruptcy on 2010 and the judge asked me if I want to keep my house and I said yes.. I thought it was included in the first loan but not when I tried to refinance that's when I found out that I have a lien against the property. The company for the 2nd loan never send me a bill or anything.. I was trying to talk tot the attorney that help me with the bankruptcy but i found out that she XXXX XXXX XXXX XXXX XXXX I asked my bank for the 1st loan and they said they didn't know anything about it. Last time I new from the 2nd loan I owe $ XXXX. Lately I've been trying to negotiate an pay it they brought me back and forth for 2.5 year and nothing.. now they're saying that they will sell my house so I pay them the loan now they are trying to charge me more than $ XXXX because I didn't pay the loan at all which is not truth I paid the loan to the first bank which was The XXXX XXXX  then later to XXXX XXXX XXXX XXXX etc etc.. when I did XXXX its when it stopped that why i thought it was included in the first loan. I don't think is fair that when I find out about the 2nd loan I've been negotiating with them and they didn't accept it now. They are not counting the time that I was paying the loan. I'm a hard working person my husband has been struggling with his health since XXXX of this year.. not able to work.. only me the one that is working and been responsible and paying all my bill.. please help me. I agree to pay what I owe but not triplicate the amount which I don't owe.. plus I never received a bill that was saying that I owe. Respectfuly, XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MA)

i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (VA)

I was sickened by report number XXXX! This should be illegal, OH WAIT, IT IS! Experian received gains and benefits from knowingly transferring identification documents, authentication features, and/or a false identification document knowing that such document or feature was stolen or produced without lawful authority, therefore, committing identity theft. ( 18 U.S. Code 1028 ) Experian is grossly violating federal law against me the consumer by continuously ignoring 15 U.S. Code 1681 subsequently eroding public confidence. Experian is operating in an unfair and inequitable detriment to me, the consumer. Experian continues to act with no regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681 Also, by Experian ignoring 18 U.S. Code 1028, Experian has received value and gains by transporting information for the unlawful assembly of inaccuracies resulting in its identity theft, it being without my written permission and without my instruction. Experian tried to intimidate, inconvenience, and enslave me and bully me to walk away from my rights. Experian ignored the law and prevented me from enjoying my consumer rights. Experian made it hostile for me the consumer to make contact with it. Experian 's unlawful assembly is a subsequent identity theft that has hurt my being. Experian 's improper utilization violated Federal Law and me as a consumer by causing me to unfairly lose many opportunities and vast resources. Experian 's agents rudely led me in circles only to come back and deny the grave duty Experian has as a Federally regulated entity.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

I checked my bank account this morning, and noticed that the company ( Exeter Finance ) that I received an auto loan from charged me 3 times for the same payment of XXXX $ for XX/XX/XXXX. I called them first to figure out why they took this much money out of my account and they told me it was my doing and that I needed to call my bank because there was nothing they could do ( in a very rude manner ). I called my bank and they told me that the merchant ( Exeter finance ) could reverse the transaction, however I told her they did not either want to do that or they simple just lied to me. My bank said that I could file a dispute once the transaction showed as processed. But right now all it is showing is processing. From what I have been told a transaction dispute takes up to 90 days an I have rent coming up on the first of this month. I do not have time to wait for a dispute to get resolved when there was no fault of my own involved. This is the second time this company has put me in a bind to where I can not pay my rent and I am reporting this because I shouldnt have to deal with extra fees, transaction, and payments when I pay my bills on time every month. This company has never had a late payment from me for over 2 years.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX XXXX XXXX XXXX sent a letter that my car loan would be extended until the parts needed to repair the car were received. ( Know XXXX XXXX XXXX and Honda Financial Services both acknowledge that these parts have no date of arrival ) On XX/XX/XXXX and XX/XX/XXXX I was told verbally that I should call every month that I don't have the car and let them know to extend the loan for that month. They said that I was approved for this extension without additional fees or impact on my credit rating/report. 

Every month I have been getting threatening letters to pay the loan in spite of this agreement -noting they will affect my credit. I called Honda Fin'l customer service every time I received these letters and am told " don't worry, it's been approved ''. 

On XX/XX/XXXX I suddenly received a letter that the loan will NOT be extended beyond XXXX and XXXX with full payments starting in XXXX inclusive of XXXX and XXXX interest. 

I spoke, at length, with " XXXX '' in Honda Financial who said that's the best he " can offer '' and he made it clear there was nothing he could do to stand by the original agreement of extending the loan until XXXX can get the car part to the repair shop and I can drive my car. 

Any help in this matter is greatly appreciated.
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OR)

The original debt owed was less than {$200.00} from XXXX. The debt was paid, however, a small balance of roughly a few dollars remained because the agent paid it off incorrectly. This balance was transferred to a collection agency for around {$1000.00}. I disputed the debt and got it taken off as they acknowledged it was a false debt. Since then, somehow the current collection agency has purchased the debt and the debt is now somehow over {$2300.00}
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (NY)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 credit Bureaus refuses to remove me from being lates on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Balance {$3400.00}
Consumer complaint received 2022-09-15
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. (CA)

I have contact and retained The XXXXXXXX XXXX, This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts. 


Accounts include : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquiry 's include : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 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
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (PA)

The debt collector Credence XXXX head been harassing me since XX/XX/XXXX on a {$20.00} debt that was paid last year. The medical bill was from XXXX of XXXX, Pa. The first service rep I talked to asked to be on a 3 way call to talk to XXXX about the charge. XXXX told both of us that this charge was paid back in XXXX. Service rep apologize to both of us and said he would clear the charge on his end I decided to call back and find out about this charge possibly being on my credit report and if it was to have Credence take it off. This rep said they could not clear this charge unless I called XXXX to have them send paperwork. I told Credence I just cleared this up with another rep there to look at her notes on the account. She refused to go any further unless I called XXXX. I asked to be connected to the rep I talked to and she refused. I remind her that her company is refusing to do the very thing I was asked to do by the service rep of your company and you are asking me to do your job because your company failed to communicate correctly with XXXX. She flat out said I had to call. I said your rep said the 3 way phone call and failed to do his job. I warned her that I do not wish to receive another phone call from Credence. I also told her to clear this account on her end and takes off any and all reported marks on any of my credit reports. She denied service. They have been harassing me over a {$20.00} bill since XX/XX/XXXX with a phone call about every day since.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Made over-payments on account totaling {$870.00}. Asked for overpayments to be applied to principle. Bank Of America took my UNINVOLVED monthly payment, reversed it [ but never refunded ], broke it down into two parts including a mysterious {$620.00} payment, and then applied the other {$870.00} part of it in place of the {$870.00} pre-payment owed, wiped out my pre-payment balance, claimed " that '' was the overpayment, and then never gave me the actual principle credit. Account standing is identical to if I never had any paid-ahead balances applied, only now that paid ahead status has been wiped out. Payments were completely misappropriated. This is impossible to easily explain because what they did is so improper that it can not even be quantified.

BOA admitted fault, was in the process of fixing, and then call was disconnected. Mysteriously unable to get ANYONE on the phone since to admit there was an error. Bank is claiming that paid-ahead balances are already applied to principle. WAIT, WHAT? Even the local BOA bank branch and manager openly admit this is completely wrong and spent hours on the phone with these morons, but BOA Auto Loan department refuses to fix it, and continues to argue what can easily be proven with a calculator and a few brain cells.

DO NOT DEAL WITH BANK OF AMERICA. These people are the definition of deceptive business practices! What part of a paid ahead balance being OWED TO THE CUSTOMER is the least bit confusing?
Consumer complaint received 2022-05-31
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (WI)

For some reason, my mortgage company it been reporting me like a miss payment, when i has the probe of those payment, they open an investigation and always< I was right now my record it is damage, and the want me to fixed that!!!!