davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Yamaha Motor Finance Corporation USA (AZ)

I am a co-borrower on a loan with XXXX XXXX, which was purchased by Yamaha Motor Finance and my loan was transferred to the new company. The borrower is my ex-husband and he filed for bankruptcy in XX/XX/2020. At that time, I had a registered online account using my email address, from which I made monthly, automatic online payments. Without notification to me, Yamaha canceled these payments and my loan went into default. To date, Yamaha never notified me that they stopped the payments and then began reporting the payments as late to the credit bureaus, negatively impacting my credit. I contacted them to resolve this and after much trouble, they finally removed the reporting and allowed me to pay the amount due. 

Yamaha has disabled the payment function from my online account and will not enable it because they say that XXXX XXXX my ex-husband ) is the only one with access. No matter how many times I explain to them that he filed bankruptcy, they play XXXX and tell me that I have no legal rights because I am a co-borrower. It is clear that Yamaha does not understand the legal definition of co-borrower, nor the difference between a co-borrower and co-signer. I believe Yamaha is in violation of the Truth In Lending Act, among other federal regulations and want to take action against them. I previously filed a complaint with the CFPB and XXXX  and Yamaha dismisses the complaints by saying, " we'll send a letter to the borrower, '' but the letter says nothing and they only address it to XXXX. One of their representatives even advised me to violate federal law and open mail addressed to XXXX! They are a horrible company and are not treating me fairly as a borrower and now sole person responsible. 

I believe Yamaha is in violation of the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act all because I am an UNMARRIED FEMALE. Yamaha is discriminating against me by treating me, an unmarried female, differently than they treat the male borrower under the guise of claiming that it is because I am a co-borrower. Legally, there is no difference and we are both entitled to the same rights. The boat is titled XXXX OR XXXX XXXX, and therefore we have the same legal rights. 
PLEASE HELP ME.
Consumer complaint received 2021-07-06
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. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.THANKS
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NJ)

I purchased airfare ticket for {$360.00} on Sunday, XX/XX/2020, XXXX XXXX ( Email Receipt attached EXHIBIT A ) with my frontier Credit Card however on Monday, XX/XX/2020, XXXX XXXX  CDT Frontier Airline sent an email informing that the flight has been disrupted and a portion of your itinerary need to be rebooked ( Email attached EXHIBIT B ), due to frontier airline disruption all my other plans like hotel booking and car booking was also disrupted and i ended up loosing all my reservations whose booking were non refundable. 

I called Frontier airline same day for the number that was provided on email and waited 5 hours before i was connected to a agent, after talking to the agent and then escalating the call to her supervision frontier airlines denied refunding the funds back to my credited card and instead gibing me travel credit for 6 months which i explained that the trip was planned for my family who was visiting from XXXX for XXXX so i cant use that travel credit since Frontier airline disturbed the flight this was also a violation DOT ( Dept of of Transportation ) regulations issued recently for airlines to strictly follow for full refunds on the disrupted flights. 

I gave them all the references but the call centered was located in XXXX and they kept saying that they dint have any updated regulations from there management and they are bound to follow there airline rules for which i said DOT supersedes airlines rules as they are regulators in USA but they keep arguing and didn't listen or act on any proof that i provided from DOT and kept blaming that its a part of flight that is disrupted and we can rebook it and never were able to understand the real issue that my family is gone back to XXXX now and we cant use it any way. 

After a long 2 hour conversation they rudely disconnected the call, i called again and waited 3 hours and they had the same argument again and wouldn't even listen or follow DOT guidelines and kept twisting and rebooking my airfare in the form of travel credit and saying i cant get it refunded caz i already took travel credit which was false statement as they made me do every thing and then trap me so i cant get a refund
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

Hello, I have this XXXX  / SYNCHRONY BANK credit card since XX/XX/20. I paid {$100.00} every month and used this card for {$1900.00}. I was so amazed that they charged me {$1000.00}. Please see attachment below for your review. This company is killing the consumers.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I dispute this item ; XXXX XXXX on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact TransUnion the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company
Consumer complaint received 2021-10-28
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. (NC)

Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs my FTC identity theft report as well as the North Carolina Attorney General. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX accounts XXXX XXXX University accounts
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted Transunion on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Transunion that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.
Consumer complaint received 2021-03-02
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: CITIBANK, N.A. (WA)

On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Since XX/XX/2019 for last 2 years, I have been trying to modify this loan. Each time, I sent documents for modification, they will come up with something else. Either Signature is missing or sent the lease, got back to me after weeks that the lease needed to be dated under the signature panel even though the lease has been properly dated. Meanwhile the automated system is keep saying, my application is pending review and no further documentations are needed, which is purely misleading as I found. Because of that, I have lost few more months just by thinking my modification is just going fine. The 2nd issue with this company, they are keep telling me to submit the lease for the property that I am trying to modify. I have told them 5 times to different rep that I this is the primary residence and there is no lease on it but I had to explain them in 5 times which cost me another 2 months. 
At this moment, I am reaching out to this department because I strongly feel that this bank is intonationally doing this NOT TO GIVE ME THE MODIFICATION AND TO TAKE MY HOUSE SO THAT, THEY CAN SELL THIS ON AUCTION WAY MORE THAN THE MONEY I OWE TO THEM. I therefore am asking this department to step up and to help me to keep my home. Thank you!
Consumer complaint received 2021-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a freeze on my Transunion account and have been unable to unfreeze it despite multiple attempts. I was given the run-around from their phone support. I have my login and password and was asked to submit a verification code but the code was never sent to my email and it locked me out. I then spoke with an agent by phone and was again told I would be sent a temporary code or password that would help me login, but was not successful. I finally called XXXX and was able to get it unlocked. 

I have been the subject of identity theft in the past and am very sensitive to preventing this from happening again. The credit reporting agencies, especially Transunion, provide very poor service and create headaches for people. My credit score is excellent ( XXXX ) and I should not have to go through these headaches just to ensure my credit report is accurate and my identity is not stolen. 

I would like for disciplinary action taken against Transunion.
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (OH)

On XXXX XXXX I received notice that my credit had been approved for a refinance. I never inquired about a refinance. I pulled my credit to find that they ran my credit on XX/XX/2021. On my credit report I also found that my soon to be ex-husbands parents address had been added. I called the company and they did not have my email or phone number on file as this was a new mortgage as of XX/XX/2021. My ex was the one who set everything up so I had no communication with them. During XXXX there was a divorce and protection order filed and all financial issue were to be put on hold. Nobody can provide me information to how they got my new signature for the " pending '' refinance and I can not dispute to have this removed from my credit because it is being used for a refinance. They continue to say they will call me back or email me information and I never hear anything. I NEVER authorized any of them to run my credit or attempt to refinance the mortgage.
Consumer complaint received 2021-10-28
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-06
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. (MN)

Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (TX)

Hello, For many years I carried an accidental life insurance policy with XXXX which I paid via my JC Penney Credit Card. I had this account on auto pay, debiting my bank account to pay the monthly premium of {$8.00}. On XX/XX/2022 I contacted XXXX XXXX and advised them I wished to discontinue the policy. I was informed the premium for XXXX was paid so the policy would be in effect until XX/XX/XXXX. Since I no longer shop at JC Penney I also deleted my bank account for auto pay. 

Today I received an email alert from XXXX advising me there was a decrease in my credit score. I logged on to XXXX to learn that JC Penney had my account reported as 30 days delinquent and my credit score had dropped XXXX  points! Not once have I received an email, letter or phone call advising me my account was delinquent. 

I contacted JC Penney this afternoon and paid the " outstanding '' balance of {$8.00} and requested that the JC Penney store account also be closed. Since my husband was the " primary '' cardholder he also got on the phone with the customer representative to confirm that we wanted the account closed immediately.

In addition to making sure my JC Penney account is closed I would also like this delinquent report removed from my credit report and my outstanding credit score restored. 

XXXX and XXXX XXXX mobile phone XXXX
Consumer complaint received 2021-11-11
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: General Motors Financial Company, Inc. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2021 HSBC BANK USA N.A decreased the credit limit to {$1900.00}. On XX/XX/2021 the credit card balance was paid in full by balance transfer. HSBC decreased the credit limit twice within one year. This credit account has always been paid as agreed. HSBC reported the decreased credit limit to the credit bureaus causing a negative impact to my fico credit score. HSBC mailed a letter listing false reasons for the credit decrease. There is a bankruptcy filing that has appeared on my credit history during the origination of this credit card account. This is Bad Business practices by HSBC Bank.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

I had severe and pervasive Identity Theft in XXXX-XXXX and it took a valiant multiple year effort to resolve it. Finally in XXXX it was all cleared up. 

Someone got all of my information through a burglery, and rented an apartment in my name, opened utility accounts, tons of payday loans, opened lines of credit, and ultimately got evicted which all landed on my credit, which was not apparent to me to me until approx XXXX when I applied for a morgtage and discovered the extent of the damage. 

XXXX of the items was Sequioa Financial regarding XXXX XXXX XXXX  XXXX. This was resolved by sending notarized FTC affadavits, police reports, many letters, info from the City Attorneys office. This item was removed in XXXX from my credit reports as a result of proving the ID Theft to the creditors and credit reporting agencies. 

Fast forward to XX/XX/XXXX - I am ready to close escrow on Friday, XX/XX/XXXX on a 3 month long eescrow to refinance my home due to difficulty through covid and a death in the family - and Sequoia Financial put this debt back on my credit out of the blue, with no warning whatsoever no contact, no nothing. 

Tomorrow, the XXXX, I am supposed to go in the bank and sign documents, but before that they will run my credit again- which was spotless and impeccible until this fraudulent account reappeared. This is unfair and this was fraud and it might make me lose the loan that my family is counting on. Please ask them to look in their records and remove it. I sent the FTC Affadavit to Sequoia Financial yesterday and called them today, and they said they cant do anything til tomorrow which will be too late. 

Thank You
Consumer complaint received 2021-07-06
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. (MD)

I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.