davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (NJ)

Hi, I had a 3-month lease through XXXX XXXX, starting in XXXX of XXXX and ending in XXXX of XXXX. I was over the allowed mileage limit by the end of the lease and started to look around for my options. 

I was referred to a leasing company ( broker ) to see if they can help me end the lease without paying too much for the over mileage. They said they can help me as long as I lease a new XXXX automobile through them. I leased a new car through them, took delivery of it on XXXX XXXX XXXX, and turned in my old car to them. 

Turned out, the leasing broker wasn't on the up and up, and instead of returning my car right away, he held onto it for some reason. XXXX kept on calling me and saying I was past due on my payments, and I assumed they were talking about the car not being returned. I told them what happened and XXXX XXXX and I kept on chasing this broker to get the car returned, so I could make my final payments and be done with it all. 

This went on for a few months, of XXXX XXXX and I chasing the broker. 
He actually blocked my phone number so I couldn't get through to him. I went down to his house and office to find the car, but it wasn't there. I tried to go to his office to speak to him and was refused entry. I finally went around to XXXX dealerships near me, checked their parking lots, and found it hidden in the back. I had the manager of the dealership get through to the broker to have him return the keys. ( this still took the broker a few days of the manager calling, for him to return the keys ) Unbeknownst to me the entire time, XXXX XXXX wasn't calling about the car being returned. They actually went ahead and extended my lease without me signing any documents, and were calling about my monthly payments. They never, never mentioned that. Every single time they called me, they said I was late on my payments, I would tell them I was still trying to get the broker to return the car, and that was it. They never said anything about extending the lease, and the monthly payments. 

So they just went ahead and reported my account late to the credit bureaus. This has hurt my credit and my fathers ' credit since he co-signed for me on the lease. My brother wanted to buy a house and needed my father to co-sign, but he couldn't because of this.
Consumer complaint received 2023-06-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of ED/ XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( XXXX, Equifax and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one compnay is reporting XXXX  all of them should report XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian continues to report Scan, and it is old ( XX/XX/XXXX ) they remove it and put it back again. When I try to dispute it, it says the will not do a duplicate dispute. They also have loans that have closed on my account and will not remove them. It just won't stop and when you try to call its an automated machine and you never talk to anyone.
Consumer complaint received 2021-05-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I was behind a couple of payments with PennyMac but I was always in communication with them and had future payments set up to get caught up. I am a service member who was XXXX in XXXX and they knew that and used to send correspondence to my box overseas. But on XXXX this company did a lot of things without telling me. I was NOT on foreclosure and suddenly they decided to have a third party company to do an inspection at my house. This company broke inside my house with the excuse they want to winterized after the winter was over. They demaged my door, my walls, stole items from me and left my house dirty and locked me out of my own house putting a lock on the door. and when I contacted pennymac asking why I was not informed about this inspection they stated I was behind a payment and they have the right to do any inspection they please. I disputed that because no one can come unannounced to my property, damaged and steal my personal belongings, took the water meter, disconnected my services cancelled my insurance and put stickers on my door that resembled foreclosed homes which embarrassed me a whole lot. After they sent a letter to the insurance company to tell them to cancel the insurance they started sending me letter stating I didnt have insurance which they cancelled performing such acts of disregard on peoples houses. and they knowing I was overseas with the military said my house was vacant. And they will continue to come in and do as many inspections as they want. This company has no respect for its customers and will use military work against military members.
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Adjustment Bureau, Inc. (IA)

On XX/XX/2021, a request for validation was sent to the collection agency 's office via certified U.S. mail. On XX/XX/2021, USPS receipts indicate the letter was delivered to the collection agency. Following no response from the agency for over 30 days, a second letter of non-response was sent on XX/XX/2021. USPS receipts indicate this letter ( which included copies of the original ) was delivered on XX/XX/2021. It has been more than 30 days since the last dispute was sent and I still have not received any validation this debt is mine, despite the accounts still being reported on my credit. Furthermore, the accounts appear on my XXXX report without all critical information required to report an account.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I faxed over documents that included my ID as well as my FTC report showing that I had unauthorized inquiries on my consumer report. Equifax was sent two fax as well as a certified letter that they signed for but they are saying they never received the letter and I have proof that the documents were signed for. They are telling me that there wasnt anything that they can do but submit it again. That doesnt make sense because whos to say they arent going to lose my information again.
Consumer complaint received 2019-12-16
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: Fidelity National Information Services, Inc. (FNIS) (MA)

XXXX XXXX  has fraudulently and erroneously reported me, XXXX XXXX XXXX, to Chex Systems, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where XXXX XXXX  received this information. I do have a current checking account with XXXX XXXX, I opened with my wife, XXXX XXXX XXXX, about 10 to 12  years ago, which is still open and in good standing, this is the only account I have ever had and still have with XXXX XXXX. I called there Customer Service, XXXX line today at XXXX XXXX  and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : XXXX. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. XXXXXXXX XXXX, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,
Consumer complaint received 2023-01-23
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. (GA)

I have been reaching out via certified mail to the credit bureau about XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX family account # XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX They have not responded by law or removed these from my credit report
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received a bill from XXXX XXXX XXXX for an account I did not establish. I called XXXX XXXX XXXX and had the phone disconnected. What I don't understand is how this happened since my credit has been frozen since XX/XX/XXXX. I called all three credit bureaus and they all verified an active freeze. However I went online to view my report with Experian and I got a message that an online account had already been established using an email I do not recognize. When I tried to call experian XXXX it is strictly an automated service with no option to talk to a representative. I don't know how to regain access to my credit file, I'm extremely upset about this situation and need assistance to get it corrected.
Consumer complaint received 2021-05-17
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. (OH)

My identity was stolen back in 2002 as well as my kids I'm still working to remove XXXX accounts in my XXXX old son name. Someone filed 2 tax returns in my name. Also applied for so many credit cards it's been hard to keep up. It's been a stressful journey. Equifax hasn't been making anything easier. There a difficult credit Bureau to get fraudulent items removed. All they keep doing is " verifying '' the information. Even after you've sent them everything possible. Also reaching out to the companies that are reporting the fraud. They are even saying they reach out to get the item deleted but Equifax still doesn't delete the fraudulent items. I currently have a fraudulent XXXX XXXX account that says closed charge off and they have me owing {$2100.00} that account should have been removed years ago as well as a us dept of Education Fraudulent account showing i owe XXXX. XXXX ohio
Consumer complaint received 2021-03-26
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)

I have a debt collection on my credit report for about {$49000.00}. I have disputed this over and over for the past 4 years and every time it gets sold to a new debt collection agency, I have to do this same song and dance. I have already contacted the agency and they informed me that they have advised all the reporting agencies to remove this debt. I am attaching the letter from the agency. I have already tried disputing online and via mail with Transunion and they refuse to remove this debt. 

This is negatively impacting my ability to receive loans and apply for employment. I need this handled ASAP.
Consumer complaint received 2021-05-22
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. (FL)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one compnay is reporting XXXX  all of them should report XXXX
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

Im reporting a company called Statebridge. Around XXXX, I had filed XXXX I was past due on mortgage payments and credit card-. I successfully finished the bankruptcy as of XXXX. Statebridge reps continued to say they never got the money from the courts and I still owed them what I paid in bankruptcy. Im XXXX, they refused my monthly payments and sent me back my checks. The customer service reps would hang up on me and laughed. They said I owed money from XXXX and tried to extort the same amount I paid in bankruptcy. They said if you pay XXXX XXXX we will accept your monthly payments. I reached out to the trustee and judge who set up the monthly payments that were paid in bankruptcy and said state bridge is indicating they did not receive the funds- I have the email. They were trying to extort money and told me to contact their lawyer and said I was in foreclosure in XXXX. They were trying to scam me out of more money and should be brought to justice. They lied and fraudulently increased the amount of my loan as well. I told them I was taking them to court for extortion. Now they are suing me for the amount that is past due since XX/XX/2020. I feel they set me up and scammed me. They violated XXXX XXXX XXXX and should be liable for extortion and fraud. I have an attorney and trying to sue state bridge. Last XXXX, they sold my loan to XXXXXXXX XXXX XXXX They have my loan amount incorrect. I want a full audit and investigation on my loan and Attorney XXXX XXXX who is a scammer and sued for extortion. 

Thank you
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

The loan servicing company, Loan Care or XXXX, for my mortgage with XXXX XXXX has been non responsive to my requests to begin the process of closing my loan so that I may complete the sale of my coop apartment. I wrote to the company, specifics below, to request the initiation of this process in XX/XX/2021 and have yet to receive a response. Below ( and attached ) are my attempts to reach the company : -- XX/XX/2021 - wrote to company via " Contact Us '' page on website -- XX/XX/2021 - reached someone at the company via phone who said that the system projects that I will receive a response by XX/XX/XXXX. I did not receive a response. 

-- XX/XX/2021 - wrote to the company again via " Contact Us '' page on website. No response. 

-- XX/XX/2021 - my attorney contacted Loan Care to ask for the procedures and closing agent for my loan and was told I need to authorize her access -- XX/XX/2021 - I sent a letter authorizing my attorney to access this information on my behalf. No response. 

-- XX/XX/2021 - my attorney learned the name of the lendor 's XXXX XXXX  and contacted them to request the closing documents. No response to date other than the request was received. 

The contract for my apartment was signed in XX/XX/2021, and the closing is now almost two months past the projected date and I am in danger of losing the sale.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : XXXX. The amount of the debt you claim I owe. 
XXXX. The name of the original creditor. 
XXXX. Documentation that verifies I am indeed responsible for this debt. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A detailed account of any fees or interest that are being added to the original debt. 
XXXX. Proof of your authority to collect this debt on behalf of the original creditor. 

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX