davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HONOR FINANCE, LLC (TN)

The fiance company honor fiance company took the car to fix it cause it shut off on me on the freeway In front of a 18 wheeler. Return the car two months later still not fixed. We i had them come get the car one year ago i only olded them 3500 or less now they double the price of the car and the have the car back since XX/XX/2017. The dealership who sold me the car told me there was a recall on the air bag which was a lie the air bag was deployed when they sold me the car tried to not keep the car the same day of purchase but he at XXXX XXXX XXXX said he could have aold the car and didnt want yo refund my money before i took the car off the lot. Contact the fiance company same day of purchase XXXX was the one told me that the air bag was deployed he ( XXXX  ) at honor fiance tpld me to trade ot in but no one wanted it for a trade cause they said the car was not worth the equity of the car
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I found incorrect information on my credit report with trans union and attempted to dispute it online- after creating an account and entering information, their webpage would not load ( tried on 2 different computers ). I clicked on the dispute by mail link to download form and there was no form to download on the page, only an address to mail it to. I used XXXX to find form on a completely different page, and downloaded it. I called the XXXX number and was told by an XXXX rep that they I couldn't dispute it by phone. I asked for a supervisor and was on hold ( for approx 10 minutes ). XXXX supervisor was impossible to understand, and he was having trouble understanding me- I asked to be routed to an English speaking rep in US- was on hold for another ( approx ) 20 minutes. Finally spoke with an english-speaking supervisor ( XXXX ), who was sorry that their website wouldn't work, but I can't dispute by phone. Trans Union is reporting obviously incorrect information and impacting my interest rate, while intentionally making it difficult or impossible to correct the record. The disputed items are 2 hard inquiries : XXXX XXXX ( I don't have and have never applied for a mortgage from XXXX ), and XXXX ( 2 hits same day for 1 card, obviously an error ).
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have diligently established automatic payments on all my credit cards to ensure timely payments and uphold my excellent credit score. Bank of America was no exception, and I entrusted their system to process payments reliably. I had auto-payment set up since XXXX  with Bank of America and , till date, never canceled/discontinued that service. I was notified by XXXX regarding a XXXX score drop on my credit score based on " delinquent payment '' status on Bank of America . Upon enquiring with the bank, I was told that my automated payment had been deactivated and that I had " missed payments '' for the months of XXXX and XXXX XXXX based on my auto-payments being deactivated, which I neither was made aware of nor authorize. However, despite my consistent efforts of contacting Bank of America to rectify their error, they have refused to make efforts to acknowledge their system 's mistake and, thereby, amend the information they had submitted to the credit bureaus. 

Because of this system error, my credit score has suffered a significant drop, plummeting from XXXX to the XXXX  within a week, due to XXXX " missed payments ''. This setback jeopardizes not just my hard-work of reaching an " excellent credit '' status, but also my plans for the near future- to secure a mortgage for my first home, a milestone I've diligently worked towards. 

I have always maintained my auto-payments active, recognizing their crucial role in my financial management. It is disheartening that Bank of America failed to fulfill their obligation to process these payments promptly. As a result, I now find myself tasked with rebuilding my credit, a burden unfairly imposed upon me through no fault of my own. 

Despite my efforts of diligently paying off my Bank of America credit card, the oversight in the last XXXX months has caused a major disruption amidst significant life events. The sudden interruption in auto-payments is perplexing and concerning, as it undermines the trust I've placed with this institution. Bank of America must rectify this error promptly and communicate with credit reporting agencies to ensure they understand that this decline in my credit score rests solely on the oversight of the company and not on my financial responsibility.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Hello, My Milli bank Account got closed, And I asked why it was closed no specific reason, Then they held my money for few months before deciding to send my cashier check, They tried mailing me the cashier check in few times which it was refunded caused I relocated from my old address, After my name Was added to a po box I reach out to them to mail me my cashier check of the balance, And they told me that the check wont be sent again and it would be remitted to the State of Texas unclaimed property
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I'm being sued by Bank of America. I used to get statements in my email. However after I moved to XXXX in XX/XX/XXXX I no longer had access to the XXXX email account. I tried for a year to get Bank of America to send me a statement.

I talked to a lawyer who said my only choices is to loose the case or try and work out a payment plan.

I've been trying to get help with this is due for a long time and no one seems to help. How can I be sued when a creditor broke the contract. I did fall on hard times and trying to get back on my feet. This is the last thing I need right now.

The court date is XX/XX/XXXX. The magistrate court lied to me about me getting the case transferred to XXXX where I moved too. 

I can not get to XXXX to fight the case. I just need help. Please.
Consumer complaint received 2018-07-20
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: Fidelity National Information Services, Inc. (FNIS) (NC)

Hello, I recently discovered that there was information that was pertaining to my personal information reported by XXXX. The information was showing that I had previous account open with XXXXXXXX XXXX and also XXXX XXXXXXXX XXXX which I never did. I had disputed the information with XXXX. Once I received a final letter from XXXX they mention that I will need to contact the bank directly to get it resolved. I called XXXX XXXX at ( XXXX ) XXXX which was provided to me from XXXX. I called them and spoke with fraud department. They were not able to find any information about me at all. I also contacted XXXX XXXX  XXXX as well and got the same information. I recently got off the phone again with XXXX and they said they will need to file another dispute. based off the conversation they can't do anything about until they hear back from the creditors. I am not sure what else to do how to get this false information remove so I decided to reach out to you for further help on clearing this information with XXXX.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

My phone was stolen on XX/XX/XXXX and I bought a new phone on the XXXXXXXX XXXX XXXXXX/XX/year>. I downloaded my apps, I logged into my chime and noticed money sent to someone Ive never sent money to.. someone accessed my phone and got into my chime and when I noticed I changed my password immediately and contacted chime via call immediately. I never send money via chime to chime. I have my chime linked to my XXXX XXXX and I use it that way because majority have XXXX XXXX and not chime. I do not understand why they denied my dispute. Ive never disputed anything. I just want my refund.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/ TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 

XXXX XXXX .account XXXXXXXX XXXX XXXX .account XXXX XXXX XXXX.account XXXX XXXXXXXX XXXXaccount XXXXXXXX XXXX XXXX.account no. XXXX XXXX XXXX no. XXXX XXXX XXXX XXXX.account XXXX & account XXXXXXXX XXXX XXXX  .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


EXPERIAN WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF EXPERIAN BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED EXPERIAN TO DO SO. 


XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXXaccount no. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX no. XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX & account no. XXXX XXXX XXXX XXXX no. XXXX EXPERIAN WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

This private student loan was purchase from my original lender, XXXX XXXX, by Firstmark Services. I have XXXX issues : 1. I should have 12 months of forbearance, of which I'm on my XXXX months. They say I have 12 months available, but can only account for 10 months used. When I ask why I can't access the other 2 months, they say I must have already used them, but have XXXX record of this. I know I have not used those 2 months. They say they can not access those records from XXXX XXXX... if this is the case, how do I know they have accurate information regarding my loan at all? 

2. These loans were obtained to attend the XXXX XXXXXXXX XXXX XXXXXXXX, which has since been deemed a fraudulent school. My federal loans have since been forgiven due to the DOE Borrow Defense to Repayment application being granted. I believe the same rule applies due to the FTC 's " Holder Rule ''. 

I've reached out to Firstmark there response was first that they could not find my records on file and then " We regret to inform you that your loans are private loans and your lender does not offer forgiveness due to school misconduct. '' They did not offer any further support, advocacy, XXXX XXXX XXXX, etc.
Consumer complaint received 2023-06-12
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. (VA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

The payment history of my account has been inaccurate, and incomplete. 

In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. 
# XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I was contacted, stating I owe these people I do not know. I told them I had been the victim of identity theft. 

MIDLAND CREDIT MANAGEMEN Last reported XXXX XXXX, XXXX {$4000.00} Open balance XXXX XXXX XXXX XXXX  Original creditor Opened XX/XX/XXXX ( 1 yrs, 3 mos )
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Looked at credit reports and seen fraud and swindles all negative remarks are swindles and fraud ... XXXX XXXX Office of attorney general loan. XXXX XXXX loan. All late payment on any account.. XXXX XXXX and experian
Consumer complaint received 2023-11-22
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. (IL)

my information was sold and bought illegally because I was victim of the XXXX data breach I want these items Deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union, XXXX, and XXXX is reporting account transactions and my identifying information from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CO)

XXXX, Colorado On or XX/XX/XXXX-XX/XX/2018, I made a payment transaction using my ATM card to my XXXX XXXX XXXX XXXX credit card, Two payments were made of  {$4000.00} and {$4500.00}. The next day i look at my chase account i found out there's two large fees transaction chase had charge me, {$120.00} and {$130.00}, these transaction was considering a Cash advance transaction according to Chase bank even thou its not, i have not receive any money nor a check from this transaction and not aware about the fees involve. I've communicated with this matter on both parties chase and credit union, The chase bank refuse to cancel transaction and i ask to dispute the transaction for incorrect transaction but the dispute department would not do it. At first when i reach out with the chase bank support they told me its not a chase fees, the next day i called them again chase admit its a chase fees. The XXXX XXXX XXXX willing to work with me, i even spoken with XXXX XXXX XXXX XXXX branch manager he advice me, the only way you can get the fees granted back to your account if you can get chase cancel or dispute or work with them to refund those fees. Today XX/XX/18 i have called and escalated the issue with chase support but the same result, been point to a different person and made a series of explanation afterwards no result and promise to get a call back from chase manager, till now did not receive a call back
Consumer complaint received 2024-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

Approximately XX/XX/XXXXXXXX  I requested to have my PMI removed. I received a response on XX/XX/XXXX, and requested a BPO. The XXXX XXXX contacted me came to my home and stated, " I shouldn't have any problem '' with the removal of my PMI as the value of my home has increased significantly and my significant upgrades. I received the XXXX report which I felt was discriminatory and lowballed the value of my property at {$670000.00} with {$20000.00} upgrades and the XXXX report had significant errors related to the description of my property. Fifth Third Bank stated that I needed to be at 80 % loan-to-value ( LTV ) ratio. My property was valued at a 78 % LTV ratio with the XXXX report but I was denied PMI removal because I needed to be 75.0 % instead of the " if the origination date of your mortgage loan is between 2 and 5 years from the date of your request, the current LTV ratio must be 75 % or less. Note : If you have made substantial improvements to your property, the current LTV ratio can be 80 % or less. '' No home in the last year that is equivalent to my home has sold for less than {$720000.00} in my neighborhood. I provided evidence of this significant lowball of my home value and that I am below the 80 % LTV ratio and my PMI should be removed. My initial appeal was ignored. I certified the request for a new XXXX based on discriminatory behavior and errors in the XXXX report. I contacted Fifth Thrid again and then received a case number from the president 's office who stated they received my complaint and were escalating my complaint to the proper department. I received a letter in XX/XX/XXXX stating that I have to send information I have sent Fifth Third twice already again because XXXX XXXX " must have the following information '' I already disputed due to the dispute in value which I already sent to Fifth Thirds XXXX. They are drawing this out for no reason. Fifth Third is declining to remove the PMI for no reason. They already said I am below the 80 % LTV ratio. They are just giving me the run around now to avoid removing my PMI.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.