davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I leased my car on XX/XX/XXXX for 36 months, due back on XX/XX/XXXX if I wasn't purchasing the car. On XX/XX/XXXX, my XXXX XXXX XXXX was stolen and not recovered until XX/XX/XXXX. XXXX, my car insurance provider, declared on XX/XX/XXXX that the car was a total loss. They requested a letter of guarantee from XXXX, being told that it would take XXXX business days. Due to some internal issue with XXXX, this request wasn't processed until XX/XX/XXXX, which delayed the timeframe for the final payment to be paid and sent to XXXX. The payment was sent to XXXX in XXXX and applied to the account on XX/XX/XXXX. This payment was in the amount of {$29000.00} and applied to my account backdated to the date of the theft, XX/XX/XXXX. I've been in contact with all parties involved ( XXXX, XXXX, XXXX ) to stay on top of any additional payments that needed to be made to settle the account and was advised that I would need to pay XXXX as a deficiency payment. This amount was not known to the Writer until the XXXX payment was confirmed on the account. I was told that this would be the final payment, and I made that payment on the account for {$330.00} on XX/XX/XXXX. I was advised that this payment would not be due until XX/XX/XXXX. On XX/XX/XXXX, I was alerted that due to a late lease payment to XXXX, my credit score dropped XXXX points from a XXXX score of XXXX to XXXX. I was told the weekend of XX/XX/XXXX that my credit was still being suppressed, but this was evidently a lie. I've since been in contact with XXXX, and they can not provide much detail to confirm why this error occurred, let alone a way to reverse the damage they've done. For the past 5 years, I've been on a waitlist to get into a COOP complex which requires me to have a XXXX or higher XXXX XXXX. All this time, I've managed to keep my XXXX score in the mid to high XXXX. I'm responsible and pay my bills on time during this extremely difficult period. Due to XXXX 's erroneous report of my account being past due, I now have an interview to move into an apartment complex that I will now likely be denied due to XXXX not doing their due diligence to keep my credit score suppressed. I was advised that the account stayed suppressed until the payment was applied to the account on XX/XX/XXXX. Though the requested payment of the deficiency payment was made timely and in the amount requested, I found that the XXXX XXXX was requesting a payoff payment in the amount of {$120.00} on XX/XX/XXXX, which I decided to go ahead and pay since I no longer trust that what XXXX is telling me is correct. All this time, XXXX has been requesting monthly payments under my lease contract. My next lease payment is scheduled due on XX/XX/XXXX, and I'm afraid to wake up on Monday and see what more damage they do to my credit score since they did not take care of this account timely and efficiently.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO Bank, N.A. (CA)

After the promo 0 % rate ended in XXXX on a balance transfer, I received a statement showing a rate of nearly 25 %. The account was current at that time and I had never missed a payment. I filed a dispute by letter dated XXXX XXXX XXXX regarding the interest rate and referring to the disclosure requirement in the truth in lending act. I withheld the interest charge but paid the undisputed amount going to principal. No response had been received so I have sent in two more letters to their dispute department at the po box BMO shows on their bills. No response has ever been received. I am getting collection calls, letters and emails from BMO in violation of Regulation Z promulgated by the CFPB to implement the Truth In Lending Act. 
Today I called the number shown on a BMO email regarding the card which connected me to a customer service agent in the collection department. She was unaware of my dispute and after two lengthy holds advised me to contact BMO 's fraud line XXXX. From my experience BMO is a XXXXbased bank which is total non-compliance with United States law and regulations.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Neighborhoods United, LLC (AL)

I have repeatedly called AHP Servicing to get them to pay my dividends they owe from XX/XX/2023 until present. I have also requested my account be closed and my principal be returned as they promised when I opened the account. I have received the same story from them every time I have called. They promise to pay but never do. It has been 8 months of receiving no dividends nor returning my principal.
Consumer complaint received 2024-02-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION (NY)

SN Servicing has come forward a a stranger to title claiming I owe them money on a void note and mortgage that were cancelled with the original Creditor, XXXXXXXX XXXX  on XX/XX/XXXX, pursuant to TILA 15 USC1635. I originally made this complaint regarding XXXX on XX/XX/XXXX. 
The details : SN Servicing Corporation ( claimant ) continues to falsely claim that they are secured creditors, and claims the property, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to be encumbered by a mortgage or deed of trust that no longer legally exist. This matter is in controversy solely because the original creditor, XXXX, failed to comply with 15 U.S.C. 1635 ( b ), by filing a satisfaction of mortgage with the XXXX XXXX recorders office, after the debtor rescinded the loan, pursuant to 15 U.S.C. 1635, On XX/XX/XXXX, by sending Notice of Cancellation ( Exhibit A ). The Notice of Cancellation Pursuant to 15 U.S.C 1635 and 12 CFR 1026.23 ( d ) the mortgage that gave rise to the right of rescission, became void upon rescission, by operation of law, thus the mortgage upon which the claimant bases its claim, is void and unenforceable. Title changed the day of rescission by matter of law, as stated in the aforementioned statutes, and as per the Supreme Court of the United States case XXXX XXXX XXXX. 

There is addittional newfound evidence on XX/XX/XXXX, th XXXX, that this is a fraudulent claim that is being made by XXXXXXXX XXXX XXXX The real identity for XXXXXXXX XXXX XXXX  is still unknown. The current creditor is being listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as Trustee of the XXXX XXXX XXXX XXXX when I ran the search through the Sec government website, this Trust does not exist so there can not be a claim from a Trust that does not exist. ( Exhibit B ) SN Servicing Corporation is a Servicing Company that is out of XXXX, California, their address being : XXXX XXXX XXXX, XXXX, CA XXXX. A Servicing Company does not have any authority to foreclose. The burden of proof established by XXXX  which requires that, as a condition precedent, the claimant MUST have paid value for the underlying obligation ( not the assignee of the mortgage or the endorsee of the note ). At no time has SN Servicing proved that it has paid value for the underlying obligation in its proof of claim in United States Bankruptcy Court XXXX XXXX Of New York. Due To Constitutional violations per 18 USC241 and 242 and due To Due Process of law violations per the XXXX, XXXX, XXXX AND XXXX Amendments, and per UCC Violations of 9-203 ( b ) ( 1 ), This Is A FALSE CLAIM.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX : Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfers, and through XXXX named XXXX and XXXX in the total amount of XXXX USD utilizing Truists services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Truist Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Truist Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Truist Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Truist Bank was in compliance with its own policies and procedures ; ( v ) whether Truist Bank owed duties to myself, what the scope of those dutie
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (PR)

I legally changed my name through the courts, my Legal Name is XXXX XXXX I am working on building my personal credit score, and have paid a company to assist with this. We began running into issues when Experian stopped providing me with a credit report. After several attempts, and hours of research I was finally able to get an Customer Service Rep from Experian on the phone. They told me I was required to provide them with all of my documents ; Birth Certificate, SSN, Drivers License, etc, which I did. I was told it would take XXXX weeks to confirm all of the info. I called back XXXX weeks later, and after spending XXXX hours on the phone, was assured that event thought it still wasn't updated, they had received everything, and my report would automatically be updated the next day... I waited another week and nothing was still updated, so after calling back in and being transferred through several departments, they told me that it wasn't their issue, and I needed to contact XXXX, because that's where Experian got their info. Experian told me that XXXX was misreporting, and that was causing the issue... I called XXXX, and after spending several days trying to sort our the issue, and paying for their monitoring services, they assured me that it was the other way around, and there was nothing they could do to get my reports from Experian... I paid for many additional services over the last year to try and fix the issue, including My Free Credit Report, XXXX Monitoring, Fund and Grow Credit Services, and XXXX XXXX XXXX, and more, all totaling to over {$1000.00}. Nobody has been able to make any progress in resolving this issue. They can still not provide me with my report. I called Experian back, and spent several hours on the phone, moving up through super visors and speaking with different departments. They told my that the issue is that because my last name is a single letter ( This was legally done, all of my legal documents and banks show my name with a single letter last name, XXXX XXXX ) they are unable to provide my report, however if I use the name XXXX XXXX I can pull my report. They resolution that they provided me with was mailing me a copy of my report, with a name that doesn't belong to me, and is therefore rendered useless... I was screamed at by a supervisor for " Not listening and not following his directions by using the report they provided '' Keep in mind, they report the sent me is using a name, that is not mine, and I have no legal documents for... This has been an ongoing issue for over a year now, and I am at a complete loss as to how to move forward. I've been denied credit, loans, and housing, due to the fact that there is no credit report for me, when previously I had a credit report of well over XXXX.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-31
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)

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 I have no knowledge of inquiries or have given any on this companies Authorization to run my credit report Asking for removal
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is a serious matter I was never late on my payment. I always been on time. Please update and fix this matter I was never late in XX/XX/year> or XX/XX/year>. Please fix this matter update it hurting my credit and Im moving my house.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Ive requested prior that Experian, XXXX, and XXXX update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.
Consumer complaint received 2024-07-01
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)

I discovered again again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$2800.00XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$3200.00}