davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XX/XX/2018 Equifax received my certified mail ( XXXX ) asking to investigate and resolve errors in my credit report. 

XXXX reporting a past due balancr of XXXX in a collection which is a Violation to the Law. The answer from Equifax was " validation '' and " updated '' infotmation. 

XXXX XXXX reporting a past due balance in a collection account and again same result as " validate '' or " uodated '' information. 

XXXX XXXX XXXX reporting " 1 month term '' and " open account ''. The answer from Equifax was " updated '' and keep reporting same error. 

Attached in this complaint are screenshots as proof from Equifax showing the " past due balance '' in collection accounts which again is a violation of the federal law and must be removed from my credit report. 

By default a collection account is past due so XXXX is allowing to report accounts to hurt my credit and providing the same violation in writing after their investigation. 

Equifax just ignored my request and sent me back the same information without taking the time to fix the problem.
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (MA)

I have leases a car from honda and payed the debt down to XXXX completely and about 3 months later my credit starts to receive a drastic change because honda has taken the time to charge me an excise tax that they were suppose to pay and apply to my bill. The XXXX $ payment was added 3 months later after the account was closed and settled completely and the car was no longer in my possession and total. 

I have reached out on multiple occasions but they feel as this my fault meanwhile city hall and Massachusetts requires the bill get put on the note of the lease to get payed as a result breaking their own rules and sending the amount into collections after trying to solve the issue.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX I spoke with XXXX from KIA XXXX XXXX XXXX. They had a XXXX XXXX XXXX XXXX  I was looking for and I asked if there is any way I can put a hold on it. I already was pre approved with XXXX XXXX XXXX XXXX and was ready to purchase a vehicle. XXXX said the only way to know I'm serious is by pulling a soft credit on me and they would keep it until Saturday. I said that's fine. She sent me a link through text and I entered my info. It looked like the KIA website but it was actually sent to other locations because i received other calls from creditors. When i told XXXX I was done she told me the price and i told her I was no longer interested. I then started calling other KIA 's. I called one in XXXX and they had the car I wanted. I told them I ran my credit already with KIA so you should be able to see my credit report ... would you be able to hold it? They said no because I did it through the XXXX website. I was furious because I had told XXXX i had a loan already and i figured this was only going to KIA. She didnt explain to me that it was going to other lenders. The XXXX agent also told me they dont hold cars by pulling credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries that have appeared on my credit report due to a recent data breach. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed upon request, once proven that they were unauthorized. 
Please find below a list of accounts and inquiries that were not initiated by me and should be immediately removed : Fraudulent Accounts 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (TN)

I kept getting text messages and voicemails from a place called Lending Points at XXXX saying I was approved for a loan. I didn't apply with them but I did use the lender request sites and figured they were from them. They had my information and was sending me a form to fill out to my email. The agent on the line kept telling me to stay on the line with him and if I have any questions to contact him directly. I started getting red flags because that sounds off. I received the email and before clicking any links in the email. I checked the email address of the sender. The email was a XXXX address and I know that wouldn't be official. The sender was XXXX. I didn't do anything, hung up on the call, marked all the texts and phone calls as spam and came here.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I was automatically enrolled in the XXXX repayment plan. My understanding is the repayment amount should be lower than my former payment amount under REPAYE. However, the proposed payment under XXXX is about {$100.00} more than my prior repayment amount.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

This is my second complaint about this company. 
I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated. 
As before i sent a written noticed to the company listed above on XX/XX/2019. 
The letter was signed and received on XX/XX/2019. 
I have yet to receive any verifiable documentation from the Credit Systems International. 
I also disputed this with XXXX  and XXXX. 
the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (ME)

I had my account hacked in credit karma. 15 min after the first wire transfer I was on the phone with credit karma that was about XXXXXXXX XXXX est on Sunday XX/XX/XXXX. While on the phone with credit karma a second transfer went thru un authorized. I told them to put a lock on my account so I could keep the last of my tax return. They put in a ticket but I guess forgot to freeze my account as I woke up Monday morning and the rest of my money was transfered to the same account ending in XXXX. They even transfered money from my savings to my checking to make sure they got it all. I did not authorize any of the wireless transactions. I can not speak with a person as they say all happens by email and I never get a response.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (RI)

Pertaining to the invasive typo you sent me. 

" Agency was instructed that accounts were low in their account for XXXX Statement and that you would close accounts if a deposit was not immediate '' Which is because of XXXX XXXX that I became victim of, Then they sent out a abusive letter threatening to close my account, I am a human trafficking victims and investigators are assigned to this case to correct the problem, you did not experience any inconvenience on this case and as instructed before, were told not to allow overcharges on my account if it were ever even the fashioning last point imperial that funds would be so low, I have been ever so courtese to your company and your behavior is not of someone or something that cares about the integrity of animals or humanes who are under crisis rescuing on their volunteer hours. 

Please stop Harassing Me. 

I formally took care of Several Agencies Life Insurance Accounts including XXXX XXXX, XXXX XXXX, FBI, CFPB, FTC, Police Unions, Fire Unions and XXXX XXXX and have not been paid the 10 Year Salary They Owe me on top of the Mandated Reporter Fines owed by compensation against XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX + XXXX XXXX Wrongdoing from XXXX XXXX Outlandish Behavior. 

XXXX The account has been replenished of the funding and do not contact through mail under Confidentiality Requests, as it is Inappropriate and I have had problems with people opening my mail as of lately.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Southwest Business Corporation (GA)

I first requested the assumption package on this loan back in XXXX, XXXX. I did not receive the actual package until sometime in XXXX. The initial package was returned to them on XX/XX/XXXX. There have been continuous delays by the lender and they have simply used the excuse that because of the lower rates on the assumption they are very busy. When this process started the loan was in both mine and my husband 's name. He passed away on XX/XX/XXXX and I informed them right away. I sent them copies of my husband 's death certificate and requested to proceed in my name only. On XX/XX/XXXX they informed me that they required a whole new application package. We are coming up XXXX months and still do not have a final approval on the loan. I have sent them everything they have requested ( sometimes more than once ) and have paid for XXXX credit reports. Now they are telling me that the loan requires a XXXX  company to approve it. This is an XXXX  loan that does have XXXX  but does not require secondary approval by a XXXX  company. This is beyond frustrating at this point.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (NY)

I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.
Consumer complaint received 2023-09-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BC SERVICES, INC. (CO)

I received a text message around the end of XXXX stating they were trying to collect a debt I texted stop and no more texts came I received the documents on XX/XX/XXXX that stated the debts for collection. I called XX/XX/XXXX at XXXX XXXX and arranged payment. I told the company not to call or text but to contact me only in writing and provided an email and address for them to use. On XX/XX/XXXX at XXXX XXXX  I received another call from them telling me to call them. When I called the number back that they provided for call back XXXX they told me it was an automated call and they cant stop those. They said that they wont call themselves but cant stop automated calls. I know this is a violation of my rights!
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

A merchant accidentally charged me twice. I disputed the duplicate charge. Axos has blocked all transactions on my card from going through while the dispute is ongoing. They will not send me a replacement card, or unblock my account. When I try to transfer funds from this bank to another account so I can access they money, they are denying the transfers. It has now been almost a month and I can not get money out of my account. 

I have tried multiple times to call their support numbers, staying on hold for close to an hour. Each time, I end up getting directed to a different department and it goes in circles.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have tried to access my on credit report through TRANSUNION but it will not let me. I have tried to contact TRANSUNION numerous times but there phone service keeps disconnecting me.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/19 a check was deposited into this account for {$3000.00} but only posted to the account for {$1000.00}. This is the second time since XX/XX/XXXX we have had a problem with Chase and a keying error and they didn't fix the first issue so we don't really expect them to fix this issue on their own although we will also be contacting them. This is extremely irresponsible of them to continuously make these kinds of errors and there is no accountability for the errors they make.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

CREDENCE RESOURCE MANAGE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-07
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a perfect credit history. Good credit score. Excellent salary of XXXX XXXX annually. Capital One consistently denied me an increase and only has ever ONE TIME increased my limit after I submitted a CFPB complaint. XXXX and XXXX have never done this. I get immediate results as well. I feel they discriminate against women and minorities by this practice and charge me a higher interest rate as well with no basis for the higher rate and no basis for not increasing my limit. I've even offered evidence of salary.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/23 I requested a refund of {$13000.00}- which was a return of my money that was paid for a Cruise. I owe them NO MONEY ... they owe me {$13000.00}. I believe this is usury, I would like to but my money in a place that makes money not let them make money off my money. PLEASE HELP ME GET MY MONEY BACK IN A TIMELY TIME FRAME. Todday in conversation with XXXX and BofA she said it would be at lease XXXX more weeks before they would send a check. I also had a refund witrh my XXXX XXXX XXXX for the exact same reason. I canceled a Cruise and they refunded my money directly to my bank in XXXX business days.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXXXXXX  I report to fraudulant charges for {$23.00} and {$24.00} that were made on my account to an out of country XXXX ( XXXX ) account. My debot card was cancelled and I was sent a new one and those charges were reversed by XXXX on XX/XX/XXXX and an investigation was opened. On XX/XX/XXXXXXXX  XXXX reversed their decision and charge me the {$23.00} and {$24.00} stating they found no fraud. I called XXXX on XX/XX/XXXXXXXX  to dispute the charges. They told me that they denied the claim because I had past transactions with the merchant that had gone undisputed. I asked for the exact dates of these alledged charges and they could not provide them and I was unable to find them in my transaction history myself. They allegedly reopened the investigation because they could not explain the denial, but on XX/XX/XXXXXXXX  recieved a letter stating it was still denied. I called XXXX again on XX/XX/XXXXXXXX  and asked for further explaination. I spent an hour on the hold while the customer service representative went back and forth with his supervisor to " get an explaination '' for the denial. At first he said I was denied because of past transactions with the same merchant but could not give me dates of these transations. After another 40 minutes on hold he came back and said it was denied becuase " the transaction was made from a device I had used before ''. This is because my card number was stolen from a fake website that I thought was legitimate, but was not. I reported it minutes after is happened and it was clear that the charges were foreign as they had foreign exchange rates attached them. I asked XXXX to send me the detailed investigation documents and they representive on the phone kept saying " The letter was already sent to you ''. I explained that I do not want the letter saying I am denied, but I wanted to investigation paperwork. He kept saying it was sent, and I have not received anything of the sort nor is their reasonly for denying my claim reasonable. I am asking the CFPB investigate this situation seeing that XXXX is unable to give an adquate explanation for their denial of my claim nor are they providing me with any doucmentation with details. I can be contacted by phone at XXXX or my email at XXXX. Thank you in advance for your assisitance in this matter
Consumer complaint received 2019-01-06
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: LendingPoint Holdings LLC (IN)

To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in 2022 I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my 2022 taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on 2XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. I have went to court XXXX times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.