davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (TN)

I cosigned on a vehicle loan for my boyfriend to purchase a XXXX XXXX in XX/XX/XXXX, financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a XXXX XXXX  and was working part-time as a XXXX XXXX XXXX XXXX. Prior to that work, I worked as a XXXX  at an XXXX XXXX where patrons could have pizza parties. 
My boyfriend at the time worked as a XXXX XXXX at the Honda dealership where the vehicle was purchased. At the time, I was surprised to be able to co-sign for him since I could not even qualify to sign for my own car, because of my brief employment history, lack of credit and savings. In fact, my own car was in my Fathers name because I did not have any credit. The finance person at the Honda dealership assured me that since I was graduating in XX/XX/XXXX, that I was seen as an acceptable person to co-sign for him because I would be getting a full-time job in the near future. 
After breaking up with my boyfriend/childs father, He experienced several employment challenges including working as a XXXX. His payment of the car was sporadic and I received calls from the AHFC on numerous occasions. They informed me that I would be held responsible for the vehicle if he did not make the payments, since I was a co-signer on the loan. I informed them on numerous occasions that I was not going to make payments on the vehicle unless I was given the vehicle. 
When I applied for a loan to purchase a home, the mortgage loan office informed me that the vehicle had gone into collection. When I contacted AHFC, they informed me that they had repossessed the vehicle and sold it for {$7800.00}, almost half of what the vehicle is worth per XXXX XXXX XXXX estimates for Private Party Value leaving a balance {$16000.00} that I would have to pay if my ex-boyfriend does not pay it. 
I have attached a copy of sheet entitled, XXXX XXXX indicating that the actual amount of the charge off is {$25000.00}. Although the balance is reported as {$17000.00} over an above the {$23000.00} identified as the balance. The High credit on the loan was {$29000.00} when the vehicle was purchased in XX/XX/XXXX 
I believe that I was used by my boyfriend, the Honda Dealership and the AHFC. I believe that every trick in the book was used to finance my ex-boyfriends car because he was an employee of the Honda Dealership. AHFC never informed me that they were in possession of the vehicle. They just sold it and plan to bill me for the balance owed plus other charges. 

I am willing to pay for my mistake, but I should have been provided an opportunity to have the vehicle if I am being made to pay for it. AHFC never provided me that opportunity. 

I am going to hire an attorney and file reports with the State of Tennessee and the local District Attorneys office.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

On XX/XX/XXXX, a credit monitor company informed me that XXXX XXXX made a hard inquiry into my credit. I promptly called to alert them that I did not seek cable from their company. I have lived in a multi-dwelling unit for >10 years that contracts exclusively with XXXX XXXX. XXXX   deemed the inquiry valid for " promotional purposes. '' XXXX required that I send a form with all my personal and sensitive information through the mail to resolve the issue. Beginning in XX/XX/XXXX/XX/XX/XXXX, DIVERSIFIED CONSULTANTS INC ( XXXX ) began calling my home repeatedly until I asked them to stop calling. They never said what the call was concerning just a " personal business matter '' neither was there anything received via U.S. Mail. The result is now a bogus {$1000.00} delinquent charges from XXXX for 'unpaid bills since XX/XX/XXXX ' per XXXX XXXX for address XXXX XXXX XXXX , XXXX XXXX, XXXX ' . I promptly informed them that I never lived at that address. XXXX XXXX said the company would remove the charge from my credit. The bogus amount is now on all three of my credit reports! This could have been avoided had XXXX and XXXX applied due diligence to verify address and information a year ago. XXXX should have know the property was not one of its clients!
Consumer complaint received 2018-05-28
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: CNG FINANCIAL CORPORATION (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX5 Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXXfurther more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
Consumer complaint received 2018-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage documents are showing an audit and voluntary repurchase agreement in XX/XX/2013 from XXXX. The servicing has been transferred 2 times since then.XXXX  does not acknowledge these documents. After demanding paperwork and making previous complaints, I just recently was told of their existence .I believe we have been defrauded by all the major banks who held this property.After I questioned Mr. Cooper they transferred me to XXXX XXXX  XXXX..As of XX/XX/XXXX the loan number is the same under XXXX XXXX XXXX XXXX XXXX and Mr Cooper
Consumer complaint received 2021-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

I have been disputing my derogatory accounts with Equifax and they haven't provided a single thing for me. I recently called Equifax to get an update and make sure my disputes were going through and taken care of. Equifax informed me that they had not received a single dispute. I have sent multiple disputes so I'm confused as to how none of them made it through? There are erroneous items on my credit report that must be fixed.
Consumer complaint received 2018-05-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (AZ)

I was enrollednin university XXXX XXXX and had obtained grants and loans to pay for my college i became XXXX XXXX and the last grant installment due to me that the college git i never recieved. They wont take this account imoff my reports and is hurting me financially is on there more than once and i never withdrew from the college they withdrew me
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

For the past five years. I have had several problems with webster bank. charging me fees. The staff ordering atm cards without me being aware of this.Ive had an idenity theft problem. someone else has charged on my account. and I was charged several fees. and now have this on my credit report. i was forced to keep a saftey deposit box. I did not want.I am being charged over {$500.00} a month in insufficiant funds fees. the dates do not make sence. I have the money in the account. like deposits are being held back. this is insane every month. i know someone else has made withdrawls from our account. Ibelieve maybe someone at the bank has something to do with this. I do have a XXXX XXXX on a XXXX XXXX XXXX/XXXX XXXX XXXX CT. who has stolen all of our bank records from our home. we didnt have any of these issues untill this man came in to our lives. i have gone t the bank several times. and they are not helpful. The webster bank in XXXX XXXX CT has been nothing but a nightmare to deal with. since the manager is no longer there. Its all new staff. there rude and cant seem to figure a thing out. They dont even ask for ID. Ive tested this several times. i need someone o help with this. we are a small company. we can not afford to have these fees taken out like this. when its not justified.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I cancelled car insurance with XXXX in XX/XX/XXXX. I obtained coverage with XXXX. XXXX continued to bill me through XX/XX/XXXX and cancelled non pay. The debt was sent to XXXX XXXX XXXX Opened XX/XX/XXXX - {$140.00} Original creditor : XXXX XXXX XXXX After applying for a mortgage and being denied I contacted both XXXX and XXXX XXXX I sent a copy of my XXXX documents since XX/XX/XXXX and disputed it with TransUnion they have denied my dispute as a valid charge even thoug XXXX day the it is a XXXX balance due to having coverage with XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE :  XXXX Policy Number XXXX issued by XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for speaking with me. This letter is intended to confirm our conversation on XX/XX/XXXX regarding the status of the billing adjustment on your cancelled auto policy after receiving proof of other coverage effective XX/XX/XXXX. As we discussed, we now have on record that the account is closed with an ISO balance of {$0.00}. With this information, I will send another notification to our collections department to inform them of this. If we may be of further assistance, please do not hesitate to contact us Sincerely, XXXX XXXX XXXX XXXX Gold CSR XXXX cc : XXXX
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/XXXX, my wife sent me {$350.00} through XXXX from her XXXX XXXX account. Usually I get it a few seconds later but in this occasion nothing. The money came out of her account and the status shows sent. I wait a couple of hours and wrote to USAA and was told systems were down and it would post that day. Couple of hours later I see the payment is added the reversed out of my account. I speak to USAA again and told that they did not send the money back, it was pulled by XXXX and have my wife contact her bank. XXXX XXXX   confirms that the money was sent and received by USAA ; they did not pull back the money. I contacted USAA again and was first told that they cant do anything and they cant see the reason why it was reversed and it was probably an error or pulled from XXXX XXXX but then I told them her bank confirmed they did not reverse it, the USAA rep gave me another excuse saying they are experiencing system issues. That is how I know they are lying and now I dont have my {$350.00} in my account and it definitely isnt in my wifes. This is called stealing because it just disappeared. No notification or supposed knowledge from my bank on its whereabouts.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

I lived there XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX and moved back in 2015 due to a roach infestation. They refused to fix the problem and I moved out a month and a half early with my kids. I was paying {$600.00} to {$700.00} per month. When I moved out they sent me bill for {$3100.00}. I couldn't believe they came up with this number. They transferred the debt to Professional Debt Mediators XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX The interest and prices that they hit you with is wrong. I had a month and a half of rent to pay and I was willing to pay that but they charged me over {$3000.00}.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I went on line to pay my account and notice two of my accounts were closed without me knowing, never received a letter or nothing. I called on XX/XX/XXXX and spoke to a credit specialist at Capital One asking why were my accounts closed and he ( XXXX ) couldn't tell me. Both of these accounts were open XX/XX/XXXX/XX/XX/XXXX never been 30 days past due on never account. I been trying to establish good payment history to better my credit. These can't be right how companies mistreat consumers like me.Now it's showing on my credit closed and credit score has gone down.I needed these two accounts to build my credit up.I called again the following day and Capital One just told me to cut cards up and make sure I pay the bill mthly.Is this right?
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Placed a temporary credit freeze with Equifax after their XX/XX/XXXX data breach, on XX/XX/XXXX. Now I am trying to unfreeze my credit ( XX/XX/XXXX ) so we can apply for a home mortgage and other credit and we are unable to get through to them to lift it. Their automated phone freeze line is faulty and inoperative and so is their automated website freeze feature. I have been calling with no success either. This is a huge problem and was supposed to be an easy process. i have been reading XXXX posts, and other comments on various websites about many other people who are still experiencing similar issues well into XX/XX/XXXX. How is this not fixed yet? 

I feel like I am being taken advantage of and punished for something that is not my fault. Equifax gets hacked and our personal data stolen, and now I continue to pay the price and can't even lift a simple credit freeze so i can live my life. 

Once I can finally get through to them or lift the freeze I am tempted to cancel the freeze altogether. This has been such a frustrating, painstaking, and miserable experience that I can't even imagine trying to go through the freeze/unfreeze process again. 

How is it that they mess up, and they aren't held accountable? Consumers are still paying the price. The CFPB needs to hold Equifax accountable and ensure that their phones, websites, and staffing are sufficient and adequate to handle the vast number of American consumers affected by this scandal. What good is a credit freeze if you can't ever lift it when a life circumstance warrants it?
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

Just recieved a delinquent tax notice for my home and never missed a mortgage payment. The mortgage payment includes an escrow account for insurance, PMI, and taxes, and Planet Home Lending ( mortgae servicer ) never sent out payment. I tried telling them last year and they did nothing. Have tried calling them multiple times and can not get in contact with anyone ( on hold for over an hour ). There is interest accruing on the delinquent tax bill. Dont know what to do, I know they have the money in tge escrow account, should I pay the delinquent bill? Who pays the interest?
Consumer complaint received 2018-05-28
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. (SC)

My original complaint against Experian was on XX/XX/XXXX after I pulled my credit report on XX/XX/XXXX and saw that Experian was continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they had already sent the request to the credit bureaus to delete the account. Experian responded on XX/XX/XXXX and stated that the account was not reporting when in fact it was at the time of my FIRST complaint. I would like for Experian to be held accountable for falsely reporting information and comply with the companys request to remove the debt.
Consumer complaint received 2018-05-28
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. (MD)

I submitted a dispute XX/XX/XXXX at XXXX. At XXXX same day, I received an email that my dispute has been updated. How can there be an investigation that quick? Most companies arent even open until best case scenario XXXX. There are errors on my credit report that should be removed.
Consumer complaint received 2021-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I WAS LOOKING TO START A NEW BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Consumer complaint received 2021-02-16
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. (PA)

My name is XXXX XXXX an im submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This company is on my credit report for a medical bill that I do not recognize. On XX/XX/XXXX I  sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX, XXXX & XXXX and the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Consumer complaint received 2018-05-28
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. (NV)

Incorrect information on My report, XXXX XXXX reports dept of XXXX I never had a account with these people,
Consumer complaint received 2023-05-30
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX