davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (NY)

I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXX  is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (ID)

I have a credit report dated XX/XX/XXXX indicating I was late 60 days late XX/XX/XXXX which is correct. I paid the loan in full in XX/XX/XXXX. When reported again my credit report indicated I was 60 days late for the month of XXXX. I have spent countless hours and sent bank statements, copies of credit reports with no success to get the reporting corrected.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (SC)

I bought a car on Friday XX/XX/2020 from XXXX XXXX XXXX. Saturday I found out my hours have been cut due to Covid-19. I took the car back to XXXX XXXX XXXX  Sunday XX/XX/2020 as soon as they opened to inform them that I would have to bring the car back because the financing will not go through once the company calls my job to verify. So the XXXX XXXX XXXX tells me that the deal is sealed and I would have to just have to have a repossession. Now I didnt sign the documents ( contract ) until almost XXXX that Friday night, and all banks close at XXXX the latest. So he said well when the bank calls once they verify we will return you the car and I will be able to get my down payment back. I get a call today from the General Manager XXXX XXXX and he tells me that the deal is sealed. I contact the financing company Kia Motor Finance and this company tells me the dealership is supposed to verify they just manage the payments and thats it. So I call the dealership back and I let them know what the financing company has stated and to let them know that my HR has not received a call to verify my income from the dealership and or the financing company. So how could I get approved for financing without correct income. The GM XXXX XXXX tells me they dont have to verify that information on a loan! That now how its done! And the deal is seal! I informed him that I am aware that all deals that are contingent upon financing has to be verified and I havent had the car over a week. And if they would have verify my income status I wouldnt be approved for the loan! He stated again that he doesnt have to verify to get me approved for a loan through a financing company. Now Im in a situation that I technically wouldnt be in if the bank or the dealership wouldve verify with my job!! This is illegal and Ive never heard of a company loaning out lump sum of money without making sure a customer can repay them back they money. I feel like the company XXXX XXXX XXXX  didnt verify my information because they knew they would have to return me my down payment and they decided to push the deal through even though they knew of the situation that just occurred and they want this deal instead of what is in the best interest of the customer. This is illegal and it need to be fixed immediately. I asked for the Owners Name and number and no one at the dealership wanted to give me his information XXXX XXXX said I would need to do research to get his information. But the business XXXX XXXX XXXX said I would have to get his number from XXXX because that information comes from him!! I am getting the run around! I hate I purchased a car from XXXX XXXX XXXX They are Frauds!! This is so horrible how dealership treat people! Especially in such a short time!! This is sad!
Consumer complaint received 2020-06-30
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)

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

RE : Taxes Paid from Escrow Account Late - Town has not received the payment - My escrow account has not been credit back for the incorrect payment to the wrong property Hello, I contacted Citizen 's Bank mortgage customer service on XXXX, XXXX, and XXXX because my property taxes are not paid. Citizens Bank escrows for my property taxes. On XXXX I provided a copy of my tax bill to Citizen 's online portal. Citizens provided me with a PIN for the upload. On XXXX Citizens disbursed {$6200.00} from my escrow account. This amount was incorrect, the actual amount due, the amount listed on the tax bill that I provided was {$7100.00}. The Town of XXXX 's website has public access, a password is not required. It is my understanding that lenders use a third party vendor when making payments and the vendor should have also provided the correct amount of {$7100.00}. 

When I noticed that the incorrect amount was paid I called Citizens mortgage customer service on XXXX to let them know of the error, while I was on the hold the Citizens representative verified that {$7100.00} should have been disbursed. 

On XXXX I checked my Citizen 's online mortgage account and the only disbursement that was showing was the {$6200.00} made on XXXX. I called Citizens mortgage customer service and I spoke with a representative and the representative stated that the correct disbursement has been made but could not explain why the disbursement was not showing on my online account. It turns out it had not been disbursed as the Town of XXXX has no record of a payment from Citizens to my property. I advised the Citizens representative that I had received a late tax payment notice from the Town of XXXX and that a 2 % late charge was now due. Inexplicably the representative assigned to work with customers regarding escrow payments could not understand why a late charge would be assessed on a tax payment now 2 months over-due. I uploaded the late notice to Citizen 's online portal using the new PIN that they provided me with. 

I just called the Town of XXXX, today XXXX, and the receiver of taxes stated that they have not received a tax payment. I do see that {$7100.00} was disbursed from my account however I do not see a credit for the {$6200.00} that was disbursed on XXXX. The Town did not receive a payment for my property so it appears as though the {$6200.00} was disbursed to an incorrect address. I have no confidence that Citizens has made the payment to the correct address even though I have verified the Section Lot and Block/Tax Map # with Citizens 3 times and I have no confidence that the late fee was paid by Citizens. I have no confidence that Citizens will credit my escrow account back the {$6200.00} that was disbursed incorrectly to the Town of XXXX on XXXX. After my escrow account is reconciled I would like a new correct escrow analysis, the 2 escrow analysis that I received are incorrect.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (KY)

in accordance with the Fair Credit Reporting act XXXX Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-22
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)

sent letter sec XXXX and called with police report number still have XXXX auto loans that are not mine and amex with balance of XXXX not mine along with XXXX hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

XXXX XXXX has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. 

As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice on XX/XX/XXXX ( move out date of XX/XX/XXXX ) and did not enter another agreement with XXXX XXXX. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. 

When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I sent NCS another letter explaining to them that I think my right had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX XXXX and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by NCS I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. 

I am distressed that National Credit Systems has now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of total disregard of my rights by National Credit Systems and XXXX XXXX.
Consumer complaint received 2021-06-09
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. (NY)

I am a victim of identity theft and im disputing this for the second time.I will be filing a civil lawsuit. Why hasn't this been taken care of already this is unfair. Lives are being put down to fraudulent activities being on the profile. I have look on different forums and have talk to my lawyer and you are violating the rights of the consumers that you swore to protect. I have filed a FTC report and I request that all the information be blocked from my report. Under 1681r-2 of the FCRA, I meet the exact requirements for the account listed in the FTC report to be blocked. Im attaching proof of identity id and my social. I am also attaching a notarized letter that's signed by me to let you know im disputing. This account should be blocked within 4 days of receiving this from the CFPB. This is unfair and a mistreatment of the law.
Consumer complaint received 2023-02-18
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. (TX)

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 XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX 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. 
Remove Account form my credit Report.
Consumer complaint received 2021-05-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (NY)

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I was repeatedly assured that I could get a lower rate or lock in a lower rate if the rates went down. I asked this question several times and received the same answer. When rates went down he ( XXXX XXXXXXXX ) with US Bank, acknowledged that they had gone down ( XX/XX/XXXX from XX/XX/XXXX ) and then he said he would shop the loan when he had loan approval that day or the next. I received loan approval on the XXXX and he said he would shop for rates. When I pressed him on the XXXX, he told me that there was not ENOUGH of a difference in rate for him to change it. 

THIS IS NOT WHAT I WAS TOLD. I was told that if the rates lowered, that I could get a lower rate. THERE WERE NO QUALIFIERS. 

Only, when the rates lowered, and I questioned AGAIN about securing a lower rate was I told, he needed to wait for loan approval in order to do that? 

Then after loan approval he says the difference was not substantial enough. When I questioned him about the it on the XXXX, it was a XXXX point difference from the day that he locked it. A XXXX XXXX XXXX XXXX is a very significant difference to me. 

When I went to his supervisor XXXX, she actually stated to me that he did not technically lie. She completely ignored what I had been previously told and presented his latter statements as true statements. So me being told that I can lower my rate if the rates lower ( which they did lower substantially between XX/XX/XXXX and mid XXXX ) means what? How was I supposed to interpret that answer? Please tell me, how was I supposed to interpret that answer? Yes, I can get a lower rate if the rates drop? There were no qualifiers to that repeated answer to my repeated question. 

I specifically went with a large bank vs an online lender thinking it was going to be a more respectable and forthright transaction. I WAS WRONG THERE. What I got was repeated misrepresentation. I went out of my way to ask questions as this was a huge commitment to make, even before opening escrow, before depositing my earnest money with escrow and throughout. At each stage I was offered assurances about the loan estimate changing for the better, about the ability to better the rate if rates improved. I know that I am still not being told the whole story by the bank or its representatives. They have yet to be forthright in their representations. Meanwhile, it has cost me $ $ $ $ $ XXXX
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

An XX/XX/XXXX payment to Comenity Bank was not applied correctly and as a result compounding interest + late fee was assesssed. The current total of fees and interest is below. 

XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX ( late fee ) XXXX Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX total I sent the following message to their customer service on XX/XX/XXXX : XXXX XXXX XXXX returned funds to my account due to the payment on XX/XX/XXXX being REFUSED by Comenity Bank. In reviewing the billpay information for Comenity, I discovered that the account that is listed is no longer current. The number listed was the original account number when the account was opened. On or about XX/XX/XXXX, the account number changed. Regardless, Comenity Bank continued to accept the payment for exactly 6 years. For the month of XXXX this year, your system refused the payment. 

My response to this situation is this. If your bank no longer accepts payment for this account number, particularly after a period of 6 years, it is your responsibility as an upstanding business to notify the consumer in writing. I received no communication either through US Mail or via email of the update in policy. 

I submitted proof of payment from my bank that the payment was made on XX/XX/XXXX. 

They have yet to resolve and continue to assess interest.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MD)

I took a line of credit with Trygrain.com and set up autopay. Monthly I get a statement that has a due date. Apparently the due date is irrelevant as daily they check your checking account balance and if you are, as they call it flush with cash will take the payment. For example my payment is due XX/XX/2023 however they saw that I got paid today XX/XX/2023 and took their payment. 

I contend that this is not appropriate, does not allow me to plan my finances properly and puts me in danger of overdraft fees as I get towards the end of pay cycle