davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NJ)

KIA XXXX ACCT # XXXX I am writing to complain about fraudulent lease-related practices at the XXXX KIA dealership XXXX at XXXX Rt. XXXX XXXX in XXXX, New Jersey. 

The dispute in question is embedded into this communication as an appendix. 
On XX/XX/XXXX, I completed the terms of my XXXX lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original lease was initiated on XX/XX/XXXX. I then entered into a new lease on the same day for a XXXX XXXX XXXX. While learning what my options would be in terms of moving into a new lease. I asked the Sales Associate, XXXX XXXX, directly about how to deal with minor damage on the car I had leased. He basically dismissed the question and did not address it further. 

Subsequent to this, I received a communication from XXXX saying that I owed more than {$2400.00} in damages, despite the fact that I had purchased the Excess Wear and Use insurance, which was strongly recommended by the sales team. This insurance cost me roughly an addition {$40.00} per month. I made numerous efforts to reach out to XXXX XXXX without any response or guidance. Note that XXXX XXXX is no longer with the company. 

This lack of transparency and intentional obfuscation was the basis of what has become an unethical debt collection situation. A charge-off was posted to my credit report in XX/XX/XXXX. When I attempted to contact the corporate office, once again I was not given the information needed to further investigate the Excess Wear and Use Insurance or to use something that was rightfully mine and that I paid in excess of {$1500.00} for. 

This business has a grade of F from the XXXX XXXX XXXX XXXX https : XXXX ), with numerous complaints filed for this type of bait and switch activity. I have tried to rectify this situation for more than 3 years and have intentionally been ignored or misled. Somehow they say that they have no information about the Excess Wear and Use Insurance in terms of how I might access it, although they sold it to me. 

I request that this be removed from my credit report immediately and that your agency provide additional information about how to move forward with this situation. Also, is it possible to sue in order to compensate for the impact of a charge-off on what would otherwise be a near-perfect credit report? 

Please advise and thank you.
Consumer complaint received 2022-06-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-10-26
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. (MI)

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE 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 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have Bjs credit card through Comenity bank and they say they have had scheduled maintenance since last week never notified me of this went to pay my bill today and can not get though online or by phone even called Bjs to try and pay them they can not take the payment so there for my payment will be late I have been rebuilding my credit and raising my credit score and fear that this will take a negative effect messaged the bank no response from anyone who does scheduled maintenance for a week at a bank
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (GA)

Within the past 8 months, I obtained a 0 % interest loan, from a third party for septic services. After my first bill was received, I noticed that it only allows 15 days from the time the bill is issued, but when it arrives, it only allows for 7. This gives no grace period if something gets delayed in the mail. This is also a lender that requires banks to mail checks for payment, and not electronically pay. That means the day after the monthly statement arrives is the latest you can use a bank 's billpay service. 

The monthly statement also does not list : Previous months payments It does include very confusing, unclear, lines about current promotional balance due and Initial balances, but no application of payments. 

I did call in about both these issues, and the customer service person acknowledged the issue, but offered no solutions. This is deceptive.
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc. (OH)

Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was ARS Natl Svc. No voicemail was left. 

Received letter on XX/XX/XXXX from ARS National Services, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, ARS National Services must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a called and said they was from XXXX XXXX XXXX and they asked me to make payments arrangements, because my account was behind on payments. Also, said that i need to send the money trough XXXX in order to be process the same day. Also, said that if i denied to do it they will cut the service in less then an hour. I started to send the {$350.00} that they asked and they said that i did it wrong and have to resend it again. I suspect that it was a fraud so i contact the XXXX XXXX XXXX company and they said is fraud and that i have to contact my bank and the police. I did it and the bank lady told me that they take out of my account almos {$1200.00} dlls, and also said that the money went to a XXXX XXXX account. She told me to wait, because they know where the money was deposited. I was waiting the time they asking and around two weeks later received a letter telling me that it is nothing to investigate because i authorized the transaccion.
Consumer complaint received 2021-12-28
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: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in XXXX Credit Bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVY FEDERAL CR UNION XXXX Balance : {$20000.00} ; NAVY FCU XXXX XXXX : {$19000.00} ; NAVY FCU XXXX XXXX : {$12000.00} ;
Consumer complaint received 2022-04-21
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. (NC)

I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OK)

I have been trying to pay my Comenity Victoria 's Secret card bill for over a week now. Can not use the card for purchases. I tried accessing their website to pay my bill and they are having a system outage. I tried calling them and no one is available for calls. This company isn't releasing any information over what is happening NOR are they offering to waive late fees. This has been from XXXX through XXXX
Consumer complaint received 2022-06-27
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. (FL)

On XX/XX/22 I contacted XXXX and trans Unio in regards to in authorized inquires on my account Ive mailed the information request and these inquiries are still being reported and showing on my report. 

I have attached the inquires the highlighted ones are accurate
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-06-27
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. (GA)

They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )
Consumer complaint received 2022-06-28
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. (FL)

My mortgage with XXXX XXXX XXXX  was sold to another company more than a year ago. On XX/XX/2022 I emailed XXXX and asked them to update my credit report to show that the mortgage was closed. It's been almost 3 months without a reply from them and the mortgage accountstill appears opne on my credit report.
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-06-27
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. (CA)

On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX XXXX  ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX XXXX. Equifax directed me here to fill out a report then mail to them.
Consumer complaint received 2022-06-27
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: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington Mortgage is not reporting payments for our home on our credit report. I was discharged and reaffirmed mortgage after bankruptcy through the XXXX program. XXXX  XXXX XXXX sold our mortgage to Carrington shortly after reaffirmation paperwork was complete. 
They need paperwork from me but they can not tell me exactly what I need and I want to sell the home soon. 
This happened XXXX - XXXX.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (GA)

I applied for an auto financing via CarMax on XX/XX/2022 and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can never be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. CarMax only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes.
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MI)

I was just told by a manager at Caliber Home Loans, that despite being negatively impacted by COVID-19 ( death in my household from COVID-19, laid off from work due to COVID-19, and assuming on the responsibilities of a dependent due to the death of one parent due to COVID-19 and the other by XXXX ) and turning in my request for a loan modification, I will still lose my home. I was told earlier today by another representative that my modification request was received and that the foreclosure would be postponed. Also, the day that the foreclosure notice ( XX/XX/22 ) was posted, I was emailed a modification application to which I completed and returned. The manager that I just spoke to said that the the application should not have been sent. Despite other representatives telling me that I qualify for hardship assistance, the manager is insistent that there is no one else that I can speak to, the decision rests with her and that there is not enough time to stop the foreclosure, despite it being over a week away and despite my application for assistance that I am told I am entitled to by having an FHA loan has been received by Caliber Home Loans. If I lose my home, I and my young cousin who also resides in the home ( who recently attempted suicide three times and is barely coping with the loss of her parents ) will be irreparably harmed and homeless. I am working now and could stay in my home with a hardship modification.
Consumer complaint received 2022-06-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

After so many attempts to prevent or stop a foreclosure, On XX/XX/XXXX, SLS sold the loan to themselves. they still have the loan the only change is that it was transferred to another office or department. 
I have called different numbers trying to keep truck of this file. I have finally talked to someone from SLS. the SLS employee sent me a letter that it blew my mind. since I never seen such a letter. 
on the letter they stated that in XXXX they have offered me a loan modification and I have declined. as well as others loan modification offers on XXXX. 
if this is true why XXXX, or XXXX ( agents assigned to this file ), never spoke to me about the modification when I talked to them on a weekly basis. When I begged them to help me to get a loan modification approved. I remember the rudeness of XXXX telling me that " they would do everything on their power to make me walk out of the house without talking a XXXX from it. Now I do understand, they put obstacle to obstacle to make me lose my house. 
Why they never mentioned the letters when I called them and informed them that I was applying for a loan to pay off the second lien with them. I have applied to many different lenders to refinance the house and all the attempts failed. When I started looking from help from those Real Estate attorneys, suddenly these letters appears.

I have offered SLS thru agent XXXX {$40000.00} dollars cash but he denied my offer. 
Who can possible help me with this case????