davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I opened my lease with XXXX XX/XX/XXXX and initially had set up my payments to be drafted by Honda from my XXXX XXXX bank account. In XX/XX/XXXX I submitted a change to have Honda draft my payments from my XXXX  XXXX XXXX account. I started getting payment reversal letters but not understanding why because my account had the funds for the payments to be drafted. I called XXXX and no one could seem to explain to me what the problem was. As a result of this XXXX started assessing late payments too. Today, I called XXXX  XXXX XXXX to try to get to the bottom of this and the customer service person I spoke to said they did not see any attempts from XXXX to draft my payment from my bank account so I do not understand why XXXX was reversing the payments I was scheduling to be made nor do I understand how they can assess late charges to my account and in XX/XX/XXXX reported my account delinquent to the credit bureaus. I ended up having to schedule a payment from my XXXX XXXX account. My account is current however it should have never not been. I don't know the inner workings of XXXX 's auto draft system or if it had a glitch but you can see from the transaction history I was scheduling my payments to be made on-time. I called XXXX today to see if they could explain why they were reversing my payments without ever attempting to auto draft from my account and they could not explain this to me. When I asked about them reporting me late when I had scheduled the payments on-time to be auto drafted by XXXX the customer service person refused to provide a letter to remove the delinquency reporting and so now I am filing this complaint.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Due to two separate companies repeatedly attempting to charge my Cashapp debit card, I had to report my card as lost/stolen. Cashapp said my old card would no longer be usable, assigned me a new card number with a new CVV and a new expiration date, and started processing. Before the new card was even showing as shipped, these same two companies had my new debit card information, yet no one can explain how. When attempting to dispute these charges, Cashapp simply says they cant do anything productive about the problem and say to contact the merchant, which does not good. Upon attempting to contact one of the merchants involved, they stated they only had my old card number on record, yet, my new card was steadily being charges repeatedly. It seems to be that even tho you report a card lost or stolen and youve had to report fraudulent charges multiple times, Cashapp doesnt block anyones access because obviously access to the old card still works. When I had finally had enough and requested to delete my Cashapp account completely, customer support only sent emails stating the my email had been unlinked from my account and a separate email stating that my phone number had been unlinked from my account along with my old debit card. Not once did I receive a confirmation email stating that my account had been closed and that my information would be safe.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On XX/XX/2022 I received letter from city treasurer stating that property taxes have not been paid for the year on my home. I called loan company and gave information and copy of letter to address it. Also contact city treasurer office where inform again they have not made payments. So I looked on line for my mortgage account and notice they have wrong address for my home. As of today no one has contacted me issue been resolved.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WA)

My Discover Credit Card has a credit limit of {$3500.00} for XXXX XXXX  years. Perfect credit history here. 

I am not happy about it but I never bothered to apply for increasing the credit limit. However, this company is crazy now. They locked my card yesterday without prior notice, which caused some trouble and embarrassment. Today I was told to authorize them ( in collaboration with XXXX. LOL ) to request my tax forms from IRS ( XXXX ) otherwise they would close my account in XXXX days. 

Obviously they have their very special way to do business, but at this point any thoughts of me to use this card is a self-humiliation.
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on XXXX from XXXX and Transunion, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX
Consumer complaint received 2020-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (SC)

Our previous VA mortgage lender was XXXX XXXX XXXX. Our loan was placed into forbearance due to the pandemic. During this time our loan was sold to Freedom Mortgage. Almost immediately we begin to have problems with freedom mortgage. Several different departments begin to contact us and tell us that our loan was in forbearance And that our loan payments were late. We disputed this. Out of fear of misunderstanding and confusion we brought our loan to balance despite having 30 days by law due diligence not yo make any payments and asked that we remove the loan from forbearance immediately. They failed to do do so after three separate requests on recorded communication. They continued to contact us by email and phone calls for several weeks telling us that the loan was still in forbearance and that we owe them money with late payments. We then received a letter from Veterans Affairs stating that if we were having trouble making our mortgage payments that we should work with freedom mortgage indicating that freedom mortgage notified them of late payments when this was never the case. 

Meanwhile a Freedom Mortgage loan agent XXXX XXXX contacted us and told us that we were eligible to reduce our interest rate by law with our VA mortgage. We initiated the process for refinance. After several miscommunications XXXX XXXX stopped responding to our emails and failed to return phone calls with questions. We requested supervisor assistance. 
Then we were informed by an agent with freedom mortgage by telephone that our VA refinance was denied due to notice of late payments in last 30 days which was incorrect. 

We initiated over a dozen calls to freedom mortgage and emails requesting to speak with the escalation department and senior manager to resolve our problems. They failed to return our calls and no manager contacted us and they continued to provide us completely misleading information from multiple departments unable to answer any of our questions. 

As of XX/XX/2020, we have received no return calls nor any updated information regarding the refinance or status of our loan. Our agent XXXX XXXX will no longer return our calls or emails. We are unable to obtain any information from freedom mortgage at this time. 

We have initiated refinance and acquisition of our loan through another mortgage lender at this time.
Consumer complaint received 2022-10-09
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. (NY)

To whom it may concern, You have violated the law. Under the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the fo! lowing circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I the consumer never gave TRANSUNION any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached labeled exhibit A. I am demanding a copy of proof or written instruction be provided. The deletion of alleged debts owed accounts from my report and file and as pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment
Consumer complaint received 2021-01-24
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)

Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If Experian is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. code 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- Please remove the following items from my report, immediately. 

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 2022-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I was given an opportunity to pay 1/2 of my fees on my account and the other half would be waived. After completing the requirements of paying the first half, PHH Mortgage waived the 2nd half/balance. The next billing cycle my account has an unknown fee assessment of {$470.00}. No explanation, no letter nothing. It was added to my mortgage payment and due immediately. When I called in to speak with someone XXXX ( the representative ), couldnt tell me what the fee was for. She went on to say the amount wasnt for property inspections because the numbers didnt add up. I then asked for a supervisor. She asked me why did I want one. I said to find out whats going on. She proceeded to lecture me about what paperwork I had signed. I explained that I am supposed to be notified of any fees assessed and why. She continued to attempt to lecture me, never giving me a supervisor, never telling me what fee is for. Its as if they tricked you into paying at least some of your old fees, telling you they waived the rest then used some other clause to add it back or a portion of it back onto your monthly payment. That fee double my mortgage payment for the month which is wrong to do.
Consumer complaint received 2021-02-06
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: Experian Information Solutions Inc. (NV)

As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

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 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

i made a debt and disputed it with capital one and was told that capital one would take care of it, but after i paid capital one the sum of XXXX, they are trying to make me pay it again and i also know that they have a program called fraud protection that will help me, but they also refused to get that program up and going to stop the fraud that capital one is doing towards me, filed a compliant with f. d .i .c and going to dispute it with my own bank, XXXX XXXX i would like to stay with capital one, but with that kind of fraud going on, NO THANKS now they want to turn me over to collections and destroy my credit score
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
XXXX XXXX XXXX XXXX  Original creditor : Progressive Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXX via XXXX XXXX, INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX )
Consumer complaint received 2024-11-02
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. (NY)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from XXXX  XXXX, ACCOUNT # XXXX, BALANCE : {$820.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$2500.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$560.00} ; XXXX FUNDING, ACCOUNT # XXXX, BALANCE {$2200.00} ; XXXX XXXX, ACCOUNT # XXXX, BALANCE : {$1100.00} ; XXXX ACCOUNT # XXXX, BALANCE : {$6500.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$10000.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$5200.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7100.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$11000.00} ; XXXX XXXX XX/XX/XXXX ( INQUIRY ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-03-21
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: Experian Information Solutions Inc. (WI)

In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, XXXX took over some of XXXX credit accounts. I did not make any purchases after XXXX took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by XXXX saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting XXXX, but was told I have to get my money back from XXXX so I can give it to XXXX. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that XXXX and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. XXXX is now reporting to credit bureaus that I owe money. I never even made any charges on the account since XXXX took the account over. These two companies need to get together and share information. XXXX is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.