davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.
Consumer complaint received 2024-11-22
Product: Credit reporting 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)

OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

I know that Under 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX # XXXX
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called TranUnion ( XXXX option XXXX then XXXX ) on XXXX/XXXX/16 and spoke to a XXXX in the consumer relation department at XXXX in regards to all my inquiries being removed and added back on. XXXX stated to me that I need to talk to the creditors who reported the inquiry. I explained that I already did and I also explained that I sent TranUnion a copy of the correspondence and explained that I was a victim of fraud and he sees the alert on my account and still refused to help me. The previous advisor removed the inquiries because of the fraud and now it 's back on there. Please help they do n't care about the consumer and the damage this has done to my credit profile.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I took a friend to wellsfargo bank to open an account, during that process I went out side to take a phone call, during that time the bank manager ask me friend all kinds of inappropriate questions about me. I feel like I was profiled for no reason. Then months later I go to the same bank and I needed help so I waited for a teller to get off phone as I waited that same manager aproched me and asked me if I needed help I told him no and that I was fine. Then basked again I told him no I will wait for someone else ..then he proceeded to demand that I let him help me in firm voice that made me not even want help anymore I jus wanted to leave at that point ..so I left and 3 days later I went back to bank to take out money to pay my rent and they then told me that my account was frozen..I asked why and no one could tell me, I then called the toll free number and spoke with several wellsfargo reps and supervisers, still no one could tell me why my money was being held..they all said I had to speak to a bank manager named XXXX which is the guy who has been harassing me , come to find out threw many phone calls, he is the one who put the hold on my account! It was done for personal reasons all because I refused his help and he took it personal ... And it 's almost three weeks later and I still ca n't access my money ..I have XXXX children that I ca n't feed and several bill that are over due because of this man abuse of power ... I need answers!!!! Thanks
Consumer complaint received 2016-09-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

I 've been harassed by this company for 3years. They removed funds from my XXXX account, and they 're still harassing me. The gentlemen basically threatened me today, disclosing information that 's none of their business. The number that called was XXXX, and I 'm on the " do not call '' list.
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (TN)

On my Experian credit report I disputed   XXXX   XXXX   XXXX    account and it was deleted in   XXXX   XXXX  . It showed back up on my Experian credit report around   XXXX   XXXX   XXXX  . According to FCRA rule  1681i I should  have been infromed by a 5 day letter which I never received. So on   XXXX   XXXX   I called Experian and asked to verify the dispute and the deletion which they did at which time I informed them about rule  1681i  and at which time the lady could n't find any information on the 5 day letter being mailed so she put me on hold back and forth for about 20 minutes at which time she took my phone number and said her supervisor  XXXX  would call me back on it shortly after but I never received the call from her. I called back she was in meeting lady said she would send document to remind her to call again never heard from her.They could not come up with any information on them mailing me the 5 day letter of reinstatement. So I want this item deleted from my credit report as according the FCRA rule 1681i the process they were to follow was n't and should be deleted.        15 U.S. Code 1681i  - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information  may  not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.    ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.    ( iii )  Additional informationAs part of, or in addition to, the notice under clause (  ii  ), a consumer reporting agency shall provide to a consumer in writing not later than  5  business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ;  ( II  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and  ( III )  a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2017-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (HI)

XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them
Consumer complaint received 2017-08-20
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: CITIBANK, N.A. (FL)

I have noticed that on my recent credit report I have several inquiries by the same company, which I have NOT authorized. This is from XXXX XXXX XXXX. Last year I opened a credit card with them but they should not be doing hard pulls on my credit every few months. When calling them I was told that they do soft pulls regularly and that I should n't worry but I told them that they keep doing hard pulls instead. Their response was to go back to the credit agencies and dispute with them, because they do not provide this service.
The following are my hard pulls : - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

After 4 years of trying to obtain a modification from Wells Fargo - ( as explained in my other complaint - XXXX ) unsuccessfully, I am now reporting all and any attempts by Wells Fargo that delay, undermine, confuse, and or subvert and sabotage our attempt to reclaim our home. After 2 months of working with XXXX Home Mortgage Preservation Specialist ( XXXX XXXX ) and sending redundant documents which where then denied were received on several occasions, we have just today been notified of a NEW Specialist, which will start the process all over again. This will only increase the arrears and I believe this to be deliberate. 
There is no question that we are now in a position to pay a reasonable mortgage payment and that has been proved continually. These constant machinations to detain conclusion is damaging, against the law and there is no good reason for constantly switching specialists.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JMD,LLC (CA)

The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX
Consumer complaint received 2017-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

This is in regards to DMI mortgage/http : //www.dovenmuehle.com. A simple payoff statement has been requested XXXX XXXX. Not received, requested another XXXX XXXX. I still have not received a payoff statement as requested by mail twice. Issued a notice of error via certified mail. They have not contacted me in attempts to resolve the issue promptly. I have received a mortgage payment receipt from them this month. Proving no issue with address or demographic information. DMI has failed to provide a payoff statement.
Consumer complaint received 2017-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My name is XXXX XXXX XXXX. recently I checked credit wise online and found a loan for XXXX dollars from XXXX XXXX. I never got a loan or bought anything from this company or leased anything from this company. I am in the process of diputing this information
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Arbitration — 
Company: Blackrock Mitigation Group LLC (PA)

Blackrock Mitigation has people calling me, my work, my mother, my step father, ect. Threatening to serve me papers and saying if I am not there, it will count against me in court and that I will be shown as missing a hearing. The lady I spoke to on the phone said herself the gentleman calling me should not be saying these things. They refuse to inform me of who the man is or how I get a hold of him as well.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore loan services company repeatedly neglected to renew my wind insurance coverage then enstated their own coverage and charged my escrow XXXX for 6 months premiums. Hours on the phone since XXXX 2016 with the help of my insurance broker I got my own insurance reinstated but they still charged my escrow that XXXX dollars. For " my security '' that do n't do emails. Almost impossible to track my communications and faxes with them. I had to pay inspectors to inspect the house because they let my insurance lapse. I feel this may be a common practice for them to collect some extra revenue. It seems criminal to me. I 've never been blatantly lied to and ignored so bad in my life. Please help and make sure they 're not doing this to other people as well.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2016, I received a letter from USAA requesting additional documentation that could confirm my military service to ensure access to USAA 's products. 
( I did not request any services from USAA and I have not been in the service ) I called them on XX/XX/2016 - someone applied for and was granted a debit card ( Account # XXXX ) using my personal information. ( Currently - my credit is frozen in all XXXX credit monitoring services ). USAA agent said they do not do credit checks if someone opens a debit account. This illegal account is now locked. This fraudulent account was applied for and approved online.