davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (PA)

Something that caught my attention is how they handled the payments I made to my account with this new car XXXX XXXX, I took this car about 13 months ago, and before had a lease of a XXXX XXXX XXXX XXXX, which then fund a XXXX XXXX XXXX. Apparently the numbers here is not correct and I ask for a review of the read of the XXXX XXXX XXXX XXXX that I did, I want a review of how were those payments, the initial, charges in order to review the full contract and if the correct charges were applied to the other to make the trade IN Complaint to the sling by with the XXXX .. since I see not doing the correct reports or in time to have the exact numbers, likewise I want you to review the the XXXX XXXX XXXX that was then financed with honda finance to be sure that I was not charged fees and payments as it should be and that there was no misinformation to make me pay more money than normal, since there have been many problems with loans in this dealer and d and how things have been done in this place.

On the other hand I decided to change the XXXX XXXX on the XXXX  of this month of XXXX, and I noticed some adjustments that do not add up. The experian credit report says that the last update of the XXXX XXXX XXXX  payments was on XX/XX/2018 with a balance of {$40000.00}, and when the car changed for a XXXX  at the XXXX dealer it was requested the total payoff of the sling, which went for about XXXX   I think .. I do not understand how it is that this debt is there if the payments are made on the XXXX  of each month, since XXXX  has not correctly applied the total balance to be paid, He should be less.

We paid XXXX dollars and a few cents per month ... then if we paid on XX/XX/XXXX, XXXX  dollars and on the XXXX of this month of XXXX, another XXXX dollars, and XXXX due toXX/XX/XXXX, according to the last update of the sling in the credit report experian ... these last two payments have not been applied to the debt .. creating that with the total balance requested by bmw then in the trade in that we did, in the balance we ended up paid two payments more than normal, the account should currently running at about XXXX,, approximate with a few cents difference ... more or less.

We contacted honda financial, and they told me to visit the dealer. That was where I bought it. I went to this place today and I told them about this, they told me that this is already a XXXX XXXX, not with them. they ... that they only sell the car ... that they could give me back the gap insurance .. that they can do it but they do not know how much they would give me..they sent it to the insurance and they decide how much it is .. and that it would arrive by mail ..

Then here are so many problems ... that no one wants to face.
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2021-09-21
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: Westlake Services, LLC (AL)

I had my credit report pulled and saw that I have incorrect information showing. I have notified the police and filled out a identity theft report. These accounts should be removed immediately. I have attached a report and a credit report to this packet. I am showing a charge off on a vehicle as well as several incorrect fraudulent bills. I have been dealing with identity theft since 2018.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX I received an alert from MyFico advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 2021-09-22
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)

I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upstart Holdings, Inc. ()

I am writing this mail to notify you that, I received an SMS notifying loan from Upstart and I proceeded with it. I selected XXXX as the loan amount. Further, they asked me to pay 2 % of the loan amount I was receiving which is XXXX. Then, by mistake, I entered my name in the place of the bank name. They told me to pay XXXX to unfreeze the account and remit the money in my bank. Later, they said there is a risk factor and told me to pay an insurance amount of XXXX. I paid for that too. Soon after, they told to me pay the first installment in my wallet to remit the loan amount. I paid XXXX to the wallet again. So, I have paid a total of XXXX. Then again, they asked me to pay the second installment which is XXXX. I felt cheated and suspicious and didnt want to pay money anymore. I have asked for a refund and they said it will be refunded after a month. But I dont trust them. Please do help me get the MONEY I have paid. XXXX  was the last hope for me since all the numbers and mail IDs of theirs turn out to be fake too. Since Upstart is accredited with XXXX, do help me get back my money. I am in a serious emergency and have a family to take care of. Please help me with this. I am attaching all the payments I have made to this mail. Please help me out with this.
Consumer complaint received 2021-09-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

1. Consumer requested escrow account be removed from consumer 's account. Mortgage company refused. NOTE : Consumer had paid in excess of $ XXXX in principal curtailments. 
2. Consumer paid consumer 's property taxes in full, in advance, and homeowner 's insurance in full, in advance ; however, mortgage company purported to receive additional bills from the County Tax Office and Insurance Company. Mortgage company refused to provide Consumer with evidence of cancelled checks to either the County Tax Office or to the Insurance Company. Consumer met with County Tax Office and Insurance Company, both who denied ever receiving funds from the Mortgage Company ; however, acknowledged and provided receipts of payment in FULL from the individual Consumer. 
3. Consumer reminded Mortgage Company that there is no PMI associated with Consumer 's loan. Mortgage Company, corrected this mistake in writing ; however, in XX/XX/2021 monthly statement, deducts nearly {$800.00} to pay a purported PMI fee. 
4. Consumer requested : removal of escrow account ; refund of escrow surplus ; and removal of PMI. Mortgage company denied all three of Consumer 's requests.

5. Consumer received an increase of {$390.00} monthly to Consumer 's {$850.00} montly mortgage payment, due to an purported 'escrow shortage '.

6. Consumer made all of the above requests in writing and countless phone calls, without avail.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (MS)

I withdrew {$1000.00} in XXXX from my Grain credit card. I set my payments up on autopay so I wouldn't have to worry about them because I'm very busy! Well, Grain has a problem with their platform they use to connect their customers bank accounts for autopay. It keeps disconnecting the bank account which caused 3 missed payments. When I checked my bank account and saw that Grain had not been deducting my autopay payments, that's when I reached out to them to find out what was going on. I've tried to call them with no success. I've sent emails and they respond back when they feel like it. They have reported my payments late on my credit report and have messed up my perfect payment history.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( Experian, XXXX, and XXXX ) are reporting different and inaccurate information.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, Transunion, and XXXX ) are reporting different and inaccurate information.
Consumer complaint received 2021-09-23
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: Santander Consumer USA Holdings Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

I already submitted a dispute with your office with Experian and they responded and I have attached their email they sent, clearly it must have been a automated reply because, again I pay a fee every single month to access my Experian credit report, paying for my report I should see everything that Experian reports and provides to lenders, HOWEVER as you can see by the denial letters from lenders, lenders are claiming I have negative accounts on my experian credit report, I have attached my paid for Experian credit report dated today XX/XX/2022 as you will see there are XXXX NEGATIVE accounts, XXXX bankruptcy accounts on my credit report, BUT there sure seems to be on the reports they are providing to lenders because I am being denied credit for those reasons, I mean its clear as day in denials from lenders that my credit report I get and pay for is NOT the same credit report being provided by Experian to lenders, thats fraud
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, XXXX XXXX, am submitting this complaint and no other third party is involved. I have received results back from the credit reporting agency Transunion and the account came back as verified. I'm demanding to see documentary evidence showing how the account was " verified ''. Show me a copy of the documents used to verify the account. The law requires the credit reporting agency to verify information not the creditor. The verification process can not be done backwards. A representative by the name of XXXX XXXX stated the way they verified the account is through the alleged creditor. Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you donot have documents to verify the account that means you did not verify the account and the account MUST be deleted. Transunion is also in violation of the Fair Debt Collections Practices Act. I have not given direct written consent to report any alleged accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (MO)

I contacted the company, first national Bank of Omaha ( fnbo ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
Consumer complaint received 2022-06-11
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. (SC)

In accordance with the Fair Credit Reporting Act : XXXX XXXX  # XXXXXXXX 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 have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2023-05-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, 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
Consumer complaint received 2021-09-23
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)

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX  XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX i did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and i had to pay for it. This is illegal because if a debt is not the consumers than it must be disputed.I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since 2018. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (NE)

I have contacted this company in XXXX and XXXX for proof of account. They are reporting a {$100.00} account on all three credit bureaus. I have also contacted my state Attorney General office and they are not legally authorized to collect in the state of Nebraska.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My mortgage has transferred from XXXX to PHH Mortgage servicing and they have not recorded my XXXX payment. I tried working this out with both companies and neither of them are understanding and/or resolving the issue. I attempted to make XXXX pmt on XX/XX/2021 before my loan transferred to the new servicer ( PHH ). My bank returned the payment because they froze my account pending updated info required per the patriot act. I thought I had this resolved when I visited a branch, however, they missed additional info regarding my daughter who is on my account & put my account on freeze. I tried to explain this to XXXX prior to transferring the loan to let them know. They did not listen or care. The loan got transferred and the new company is trying to charge me for XXXX because of the returned payment which was supposed to be an XXXX payment. They are not giving me credit for my XXXX payment which I made on XXXX XXXX. 
I need this resolved asap to avoid derogatory info on my credit report.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I reviewed my credit report and saw that there was a collections on my report from LVNV Funding LLC, with the original debt from XXXX  XXXX. This credit card was open by a fraudulent person and was not opened by me. My mail box was broken into and my mail was stolen numerous times. I do not have a XXXX  XXXX Card and I have never had a XXXX  XXXX Card. I have contacted the collections agency and they have not done anything to rectify the situation. This is not my debt and I would like this collections removed from all 3 credit reports.