davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

I am current with my bill with XXXX. I got an alert on my credit saying I'm derogatory on 120 with them on the remarks it says natural disaster. I been with this company for awhile years. I call billing. I asked why was I receiving a credit alert that I'm derogatory. What do I owe the representative say for some old equipment. I asked what kind of equipment he say internet and a modem. I say I have the same internet and modem since I been with you all. Why I'm getting charged for equipment that I'm using. I had no reason to turn it in. On my credit report you put that I'm late paying for it. I asked why all of a sudden I'm getting charged for something all the way from XX/XX/2020. You all say the equipment been missing from years and years ago. I call again yesterday the representative said it should of been resolved and she apologize. This affected my credit to drop tremendously. I was in the middle of the house buying process. I now have to wait until all this off my credit. It has set me back.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX, NA 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 2020-09-18
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. (OH)

This is not my account and another collection company is stating they owns this account on the XXXX and XXXX. Therefore this account information is inaccurate and need to be delete. Also, I'm unware of this debt did not have the opportunity to dispute as I have never received information. 

XXXX XXXX XXXX # XXXX Please provide verification, method of verification and validation of this debt.
Consumer complaint received 2023-05-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only one. Equifax has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for Equifax! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX at the XXXX XXXX dealership [ XXXX XXXX XX/XX/XXXX XXXX -- XXXX, TX XXXX ]. I arrived at the dealership at around XXXX XXXX, but I was only able to leave the dealership with the new car at around XXXX XXXX. 
During the long negotiation with the sales person I was promised a certain car, with a set of accessories, for a certain price. Needless to say, I was very tired by the time I was invited to sign all the papers, and in fact I asked the financial agent there if any client had ever asked them to have the paperwork printed ( it's all digital now ) and read before signing them. The stated that only a very, very few do. 
Before I proceed, please notice that I had no interest in any of those accessories which supposedly came with the car ( for example, I did not receive a " certificate '' for the so called RESISTALL application ), but I was told that I would be given a discount to close the deal. Noted discount would essentially deduct the value amount of those unwanted accessories from the final price, bringing it back close to its MSRP figure. That sounded attractive, however the car color combination I chose wasn't readily available at that dealership, so it had to be brought in from another place -- which is what happened ( I have copies of the two different estimates -- both, however, amounting to around US {$27000.00} ). 
A few days later, while trying to register my new car in the Honda Financial Services website, the system would not recognize the vehicle VIN number, so I called the dealership. I was told that the contract was still being processed ( which is odd ). So I went back to the paperwork copies I had been provided that Friday late evening. To my surprise, the amounts were all out of place, out of sequence, and some items were MUCH different from what was agreed by me. The RESISTALL, for example, was offered ( more of an imposition, in fact ) at US {$490.00}, but it now showed as US {$1100.00} in the financing papers ). All the license fees were now IN ADDITION to the agreed total price, whereas they were included before, etc. Further, a new line " amount paid to other on your behalf = US {$420.00} '' showed in the final papers. Noted amount was not seen in the initial proposal ( which both parties had previously signed ). I contacted the dealership, but they only offered to refund me the " RESISTALL '' amount *difference* of US {$630.00}. However, besides all the time I've spent with this issue, all the grief, if I account for all the taxes, fees, and " amounts '', the total difference seems to be US {$1400.00} instead. Not to mention that said amount is now part of the financed total -- and I'll pay interest for it!
Consumer complaint received 2020-09-18
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. (TX)

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding  any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX  XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX-XXXX XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (IL)

I never was late with my mortgage with the lender PHH mortgage. I refinanced my loan with XXXX XXXX. PHH was late in processing the loan paperwork and It took them more than 30 days to close the loan.
Consumer complaint received 2020-09-18
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. (TX)

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX  Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : XXXX-XXXX  XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen
Consumer complaint received 2022-09-21
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. (KS)

Experian is reporting information regarding

Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Experain is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer
Consumer complaint received 2021-04-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Experian app tells me that my 15 percent utilization is HEAVY USE and shows it as a negative against my score. HEAVY USE? And no where does it give an explanation of what does NOT constitute Heavy or acceptable. There is NO guidance whatsoever.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person..
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On or about XX/XX/XXXX, I made my XXXX mortgage payment to Bank of America Home Loans through the Bank of America mobile app, as I have done for the past 3 years I have had this loan. In the past, transferring the exact amount of the payment from a Bank of America checking account automatically makes the payment. 

However, presumably because of a system change at the bank, the payment was applied to Principal curtailment. The Bank did not inform me that their system change would remove this mechanism for a customer to make his/her monthly payment. Therefore, I made my XXXX mortgage payment as usual, by transferring the exact amount of the payment from my Bank of America checking account. 

On or about XX/XX/XXXX, I happened to notice that the amount I paid was sent to Principal Curtailment, when, out of abundance of caution, I checked my account online. 

On XX/XX/XXXX, I called Bank of America Home Loans customer number and, after waiting on hold for more than an hour, asked them to please change the payment from Principal Curtailment to the XXXX payment. The representative acknowledged I would have had no way of knowing that the bank 's payment protocols had changed such that I could not make my payment the way I had regularly done in the past. She said the bank would apply the payment as I had intended, and that I could check that it was done via online banking. ( She said I could use XXXX going forward, which is, in my opinion, a significantly less convenient way for the customer to make his/her regular payments. ) On XX/XX/XXXX, I noticed the payment had still not been applied, so I called Bank of America Home Loans again. As with the previous call, I waited more than 1 hour on hold. When I was finally connected to a representative, the representative informed me that requests take up to 3 business days to process, so I could expect the change to be made by end of day Tuesday. She said she would email 3 people to ask them to make the change, to make sure it would be done. I also sent a secure message through online banking which has not yet received a response. 

As of today, Friday, XX/XX/XXXX, the change still has not been made. 

In the case of poor mortgage servicing practices and non-responsiveness on the part of the servicer, the customer is captive and unable to take his/her business elsewhere. 

I respectfully request that Bank of America fulfill this simple, straightforward request and change my payment from Principal Curtailment to the XXXX payment and improve their poor customer service going forward. 

Thank you.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I went to buy a car in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX CA XXXX and the guy named XXXX XXXX and he lied to me when he did the contract he said that lease was better than buying because my payments could be lower and that i could also keep the vehicle anyways but when my lease term was over the finance company named toyota finance are charging me {$6000.00} for returning my car on top of the almost {$35000.00} i paid in 3 years for leasing the car.. I am mad because I have gone through XXXX to speak with XXXX and he is never there he is always avoiding me when i go there and try to talk to him they told me i needed to sign a document of returning the car and that I owe {$6000.00} and if I did not sign it they could impound the car and mess up on my credit report .. I am crying because i am mad on how these people screwed on me ... I need help I am not working i dont have a job and cant even pay rent and now this .... they said they will screwed on my credit report if i dont pay them the {$6000.00} dollars .... I need help please ... ..
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 I used XXXX to transfer funds to the merchant, training with XXXX XXXX  in XXXX, GA. which were being withdrawn from my bank account. I intended to transfer {$90.00}. but the withdrawal was INCORRECTLY XXXX I immediately contacted the merchant, XXXX, and the bank instution to stop the mistaken extra {$810.00} from processing in his account. " XXXX XXXX " would never return my call. I could never get any information to contact and speak with XXXX ( XXXX ) is a branch of bank of America. I filed a claim with Bank of America, they would never give me any information they would promise to give a provisional credit and didn't, they claimed to send the complaint but never sent me what was sent to merchant, neither would they allow me to speak with a manager bank of America gave me the biggest and worst rin around and would not assist in getting my {$810.00} overage XXXX transfer back from the merchant and the merchant refuse to speak with me and return my {$810.00} over payment which should be the full {$900.00}. ( because the {$90.00}. I intended to transfer I never used has service so I should have the intended {$90.00} returned back to me. Please return my {$900.00}.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$1700.00}
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as XXXX & Equifax with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong people.

If after any re-investigation 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 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 re-investigation. 

XXXXEquifax Inaccurate address/Account status Account # XXXX
Consumer complaint received 2020-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (VA)

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. They show the  disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX or XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I have applied XXXX Credit card with Chase, and based on what was listed in their promo, I could get 140,000 points after I spend {$3000.00} within 3 months. They had a calculator within their mobile app to tell me how much I need spend more to get my points, and I used that number showed on it as reference. Once I saw I met the requirement, I stopped using the card. I didn't notice I didn't get the point until recently, and when I called Chase, they told me I didn't spend {$3000.00}, because there was a late fee, which didn't count as the consumption expense. 

I made my point with them clearly, I used their calculator as reference, and stop using the card when it showed me I spend {$3000.00} already, and now they told me I didn't meet the requirement. Their calculator didn't give the right calculation lead me lose the point, this is not my fault, it's unfair. I request them to provide the backend logic used for the calculator, and they promised me to send it to me, it has been 2 weeks since last call, I hear nothing. 

I want to say, their calculator mislead consumer, which directly lead me lose my right.