davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (AL)

To whom it may concern My name is XXXX XXXX XXXX on XX/XX/2021 I visited XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Al XXXX. I visited the dealership in a bind and crunch to purchase a vehicle. I test drove a couple of cars and eventually was informed that I was financed for a brand new XXXX  XXXX XXXX XXXX  XXXX ( XXXX : XXXX ). I was rushed into the finance office and given a speed summary of the contract and finance company. As I would later come to find out after the cars transmission went out less than two weeks later. I had just signed a contract with Exeter Finance LLC at XXXX XXXX XXXX XXXX, Tx XXXXThe contract details really begin to come into reality for me that I had just signed away my life and have entered into a nightmare. The APR ( Annual Percentage rate ) is 28 %. Which first violates the Alabama law and code of Title 8 ( Commercial Law and Consumer Protection ). The Finance charge of {$22000.00} exceeds the amount of my car which is {$20000.00} to equal a total payment of {$42000.00} and a total sale prince including a down payment ( {$2200.00} ) of {$45000.00}. The contract was financed for a number of XXXX payments at XXXX Monthly with a late charge of {$18.00} or 5 % plus daily interest. I have since made a total of XXXX payments on the contract totaling ( {$9500.00} ) with XXXX extensions due to hardships ; and I still owe the original amount borrowed of {$20000.00}. on top of that the transmission has gone out twice. This loan is a prime example of predatory lending from subprime auto lenders that take advantage of every day citizens. It also violates multiple laws of the Alabama code and takes light of Alabama lawmakers It currently violates. Title 8 Chapter 8 ( interest and usury ) Section 8-8-1, Section 8-1-2, Section 8-8-12, section 8-8-10, section 8-8-5, Section 5-19-3, section 5-19-4 and many more. Exeter is very aware of the unconscionable interest rate as they have just settle lawsuit 's with the Attorney General of Massachusetts for the very same thing. And recovered of {$27.00} XXXX dollars and got the loans canceled and wiped off of the the consumers credit for the state. I know that Alabama sits in the same position to do the same thing for the consumers of Alabama. To show subprime auto lenders that seeks to take advantage of the Alabama consumer that we won't stand for it. I am seeking relief from this unconscionable, high interest rate, and usury contract under the laws of the Title 8 in Alabama Commercial Law and Consumer Protection. I have also emailed the contract to go along with this complaint. I am seeking the aid to get relief for myself as well as anyone else affected by this illegal practice.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (IN)

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. 
XXXX Account # XXXX XXXX XXXX XXXXXXXXXXXX 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 2021-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC (FL)

according to loan documents from omni financial a service member who was XXXX  released is no longer held liable for making payments on their loan, that is the reason for the insurance on the loan. for almost 6 years Omni financial has been trying to collect a debt from me, even though i contacted them on several occasions stating and providing documents ( dd 214 ) showing i was XXXX  released from XXXX XXXX XXXX due to XXXX  reasons. Under the SCRA i can not be held liable due to the fact i was XXXX  discharged
Consumer complaint received 2021-07-26
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. (WI)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Worth Finance Corporation (TX)

Last week, I received a check in the mail for a {$1200.00} " XXXX XXXX ''. 
The check is dated XX/XX/2021 from Worth Finance Corp., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

The terms of the loan are 12 payments of {$150.00} for an APR of 82.51 %. 

I did not seek this loan. All I need to do to accept this loan is to cash the check. 

This appears to be a bulk mailing. ( Mailed from zip code XXXX Permit No. XXXX ) I believe the interest rate is usury. If this conduct is not illegal, it probably should be.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-07-25
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)

TRANSUNION DID RESPOND TO MY XX/XX/XXXX CREDIT DISPUTE ON XX/XX/XXXX BUT DID NOT GIVE ANY REASON FOR NOT TAKING ANY ACTION. I PROVIDED SPECIFIC REASONS AND PROOF FOR XXXX XXXX  INCORRECTLY MARKING THE XXXX, XXXX PAYMENT ON LEASE A/C # XXXX AS THE BANK RETURNED THE TIMELY PAYMENT MADE ON THE ACCOUNT IN XXXX, XXXX. NO REASON GIVEN. THE CO-LESSOR, MY SON XXXX XXXX, MADE THE PAYMENT ON A TIMELY BASIS. XXXX XXXX  RETURNED THE PAYMENT INCORRECTLY WHICH CAUSED THE DELINQUENCY. TRANSUNION DID NOT PROVIDE ANY REASON WHY THE BANK RETURNED PAYMENT. THEY DID NOT PROVIDE ANY DETAIL OF RESEARCH OTHER THAN TO SAY THEY WILL CHANGE NOTHING.
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (MS)

I am with Santander. I have been trying to pay off the car. It's like my payments have not changed and I have had this car since 2014. I now need a truck. I can't do anything because of the pay off amount. This ridiculous.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from XXXX. I have not received it, and after 3 months XXXX  is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from XXXX  stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

Experian has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

Experian, XXXX and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

My husband and I purchased a mortgage through XXXX XXXX on XX/XX/XXXX. Our mortgage was sold within a few months, to New Rez. New Rez never sent our new mortgage information to our flood and home insurance companies and placed lender-placed insurance for both. They double charged our escrow account and we were never aware of this until it was time to pay our taxes and premiums at the end of the year. My insurance agent contacted me and told me that my insurance has not been paid and I had a week to get my payment in before my insurance lapsed. They gave us a 30 day grace period due to these issues. I spent over 2 hours on the phone with the lady who sold me my mortgage originally, through XXXX XXXX. We spoke with a representative named XXXX, who was supposed to have taken care of this. We were told they over-nighted a check to both insurance companies and it would be taken care of within 2 weeks from that day ( amount of time for the check to be sent through mail. ) Now a month has gone by and I received another call from my insurance representative stating that my home insurance still has not been paid. Now I am XXXX days out from my insurance lapsing due to New Rez not sending the check to the correct company. I have never missed a payment on my mortgage. I have paid insurance every single month for a year now. I am about to lose my home insurance in XXXX days due to New Rez not doing their due diligence in gathering the correct information regarding my mortgage. I spoke with a supervisor named XXXX on XX/XX/XXXX and was told she would pay my insurance with a credit card that evening. She stated on the phone I would receive an email the following morning with payment confirmation and update mortgage clause. It is now XXXX XXXX  and I have yet to receive any of the things I was promised to resolve this issue. I have spent hours on hold, it took them approximately 5 hours to call me back on XX/XX/XXXX. I am not receiving the service I should be. This is a consumer 's nightmare to deal with this and it is no fault of my own. I need to know my rights in this situation because this is absolutely not acceptable from a mortgage company and the service I have received to resolve this issue is minimal.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because XXXX cancelled our auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

I have contacted the loan service company about a payment plan and was told they would send papers in the mail my next payment would be XX/XX/XXXX so I sent a check then got a letter saying it wasn't received and that I'm in default so I called to make the payment that I mailed electronically and was denied to make 1 payment and was told I needed to make 2 or I needed to wait until I could make 2 and refused the payment I was trying to make then I was told if I mailed anything it will get sent back to me. I did however mail another check since the fist one was never cashed hoping it will be processed this time. And will be making a payment every 2 weeks till caught up since my paperwork for the payment plan will not be coming.
Consumer complaint received 2021-07-14
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. (FL)

I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled
Consumer complaint received 2021-07-14
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. (FL)

I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 Bank of America ( BoA ) deducted {$1200.00} from my Personal Checking account with authorization, nor informing me. When I discovered the deduction, I called BoA to find out why it was removed. BoA employees refused to tell me what the charge was for, and eventually hung up on me after 1 hour and 3 different employees refusing to tell me what happened.

I later received a letter from BoA stating that the funds were taken from my Personal Account to apply payment to a Business Account Credit Card ( Setoff ). The Business and Personal accounts are separate, yet BoA felt entitled to steal money from the personal account for a Business account credit card payment. 

This has resulted in me being unable to meet bills for this month, and likely the loss of my residence.
Consumer complaint received 2021-07-14
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. (NJ)

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (FL)

I cancelled a BJs credit card in XXXX of XXXX. The membership fee was waived and credited to the account the same month. The credit card company, Comenity Capital Bank, continues to report the account as delinquent. I have spoken to Comenity managers several time over the past 3 months to no avail. I have called both reporting agencies ( XXXX and XXXX ) and they confirm that Comenity is still reporting the account as delinquent.
Consumer complaint received 2021-07-14
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 (MA)

Hi, I financed a XXXX XXXX in XX/XX/XXXX XXXX Hyundai Motor Finance company. Unfortunately, my car got totaled in XXXX of XXXX. My insurance paid off the loan, since it took about a month to pay off, I also made my regular payments. At the end, I ended up in overpaying of {$900.00}. I asked for a refund, Hyundai Motor Finance agreed. They said, they mailed me a check, I didn't receive it, when I called they said, it'll take 3 months wait time, I have requested to cancel that check and send me another one. They agreed too. Then they said, they have cancelled the check and mailed me another one. To day ( XX/XX/XXXX ), I didn't receive it yet. I called them again, they said, they mailed on XX/XX/XXXX and asked me they can cancel it and send me another one. I don't understand what's the point of sending another one? I'll miss that check again but I'm not losing any other check, only missing mail is from Hyundai Motor Finance! I'm wondering if they are really mailing the check or just telling me? I should have my overpaid money by now, it's been 6+ months. Thanks
Consumer complaint received 2021-07-14
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: CITIZENS FINANCIAL GROUP, INC. (FL)

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Consumer complaint received 2021-07-14
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: SYNCHRONY FINANCIAL (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.