davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

The finance person at XXXX Nissan kept told me that it was required for me to have all of these extras financed into my auto loan. Upon reviewing other standards, the extras such as gap insurance and required warranteys are not required. I over paid, and could not afford my payments, and they reposessed the car. When they repossed the car, they did not tell me what was in my car, nor the company would not give me my items even though I offered to pay the fee. The items were destroyed.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-12-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Home Point Mortgage Acceptance Corporation (VA)

After receiving the final Closing Disclosure on the day of closing, I noticed that I was charged twice for the Upfront XXXX ( it was financed with the price of my loan and added onto my closing costs ). I contacted the lending agent and he said my closing agent will explain to me how I 'm not being charged twice. So I contacted the closing agent and explained the issue and he said my lending agent would need to address the issue. Then I call the lending agent back and he threatened that I could close that day if I wanted this corrected. I was purchasing a home XXXX miles away from where I lived. I had taken time off work, secured movers and had all my stuff in the moving truck. If I did not close that Friday ( XXXX/XXXX/2016 - the week before XXXX ), it would have cost me more than the {$2300.00} upfront XXXX fee, to reschedule the close so I signed the documents. Needless to say I have been very upset about this ever since that day. To see on paper that I was being cheated but no way to get the issue resolved fairly and get the move done successfully.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (VA)

These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.
Consumer complaint received 2016-11-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NE)

We bought a house through XXXX in XXXX XXXX. We wrote the contract on XX/XX/XXXX. Our banker claimed he did n't get it until the XX/XX/XXXX. Our original closing date was XX/XX/XXXX Then the last week they can back and said we needed more water tests other than coliform and nitrate that he claimed was a new FHA standard that they needed pH and lead also which we had to rush and a septic inspection on a XXXX septic and leach field system that they said the install inspection was too old so cost us another XXXX for those. So that changed our closing date to the XX/XX/XXXX. So then 3 days before we close get our disclosure and there is an extra XXXX fee for a rush appraisal. When he told us our appraisal fee was XXXX and the credit reports was XXXX and we wrote a check for XXXX the day way signed the application on XX/XX/XXXX. And he said he would order it that day. The Appraisal was done on XX/XX/2016 So do n't understand the rush fee and nothing being said. And a XXXX unexpected fee 3 days before closing. So the Appraisal cost us an outrageous {$780.00}. 
Very unhappy. But what do you do not close?
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

What you are doing TransUnion is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and TransUnion, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency XXXX not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, TransUnion you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you TransUnion for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you TransUnion
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

I co-signed for my son-in-law 's XXXX Honda XXXX on a 3-year lease in XX/XX/XXXX. On the lease application, I submitted my home address and phone number that was different from my son-in-law 's address and phone number. Apparently, he was late in making payments but Honda did not notify me of this by mail nor by phone. It wasn't until I saw it on my credit report in XXXX as a negative inquiry that I learned of his delinquency. I contacted Honda in XXXX, explained that I had not been given notice nor the opportunity to pay the debt myself. They told me that Honda considers co-signers to be " co-applicants '', and that they didn't have to notify me of the delinquency. They refused to remove the negative mark from my report. In checking my credit reports recently, I see that Honda re-reported this negative inquiry in XX/XX/XXXX. It has been almost 8 years since I co-signed this Honda lease in an attempt to help my son-in-law. Since then, he has turned in the lease for the XXXX, paid in full, closed the account and received approval ( without me as co-signor ) for a new XXXX Honda XXXX three-year lease which he has since turned in, paid in full. 

How long can Honda continue to make my credit rating suffer? Again, I just contacted XXXX XXXX XXXX to request removal of this negative mark from my credit report and they refuse.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2016-01-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC (MD)

we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have accounts listed on my report that Experian is refusing to properly investigate and correct. I have been disputing but my dispute is not being resolved, because they are not providing me with the necessary information I can use to follow up with the dispute if the findings are showing correct. They only send me generated information that is electronically provided. I cant contact the provider of information if I have no idea where it comes from. I am constantly disputing and calling people and the bureau and creditors are not on the same page.The Accounts are listed in the attached report, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (PA)

On XX/XX/2022 I went to the Best Buy in XXXX XXXX, Pennsylvania to purchase a dishwasher for {$950.00} plus {$30.00} in fees. While making the purchase the sales associate asked me for detailed information, which I thought was being requested to pull up my existing account to make the purchase. A few weeks later I received in the mail a new Best Buy credit card dated XX/XX/2022. I called the Citibank Card Services department to notify them that an unauthorized new Best Buy account had been opened in my name. I also requested that they immediately close that account and apply the charge for the dishwasher to my existing account. That was in XXXX. Since then my wife and I have spoken to Citibank Card Services department employees multiple times to request the closure of the fraudulent account and application of the amount due to our existing account. We have continued to receive harassing calls saying that the unauthorized fraudulent account is overdue, when our legal existing account maintained a credit amount monthly that exceeded the amount being stated that was overdue monthly for the newer illegal account. In XXXX one of the Citibank agents committed to following up and closing the newer fraudulent account and fully transferring the balance due on it to our older existing legal account. More recent statements following that conversation indicate rather than the closure of the new fraudulent account, the full amount of the credit we had on the older legal account of {$420.00} was applied to the new fraudulent account, leaving a remaining balance due of {$340.00} and a past due amount of {$30.00}. The older legal account 's statement for the same period did reflect the transfer of the {$420.00} plus a {$75.00} payment received during the period bringing that account to a {$75.00} credit. In the last week of XXXX we have received multiple call from Citibank asking us to bring that illegal fraudulent account up to date, while we have a current credit of {$75.00} on the older legal account. All of our many attempts to clear up this matter have failed to date.
Consumer complaint received 2016-08-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.