davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/2019 at XXXX XXXX PST, I signed a contract with Honda Financial using the dealership XXXX XXXX, located at XXXX XXXX XXXX, XXXX CA XXXX. I obtained the following loan and the note was executed for the following conditions : Amount financed {$36000.00} ; APR 3.90 % ; Finance Charge {$4500.00} ; Total Payments {$41000.00} ; Payment Amount XXXX. Days after the contract was executed and the transaction was signed and completed, the Honda Dealership contacted me to change the terms on my loan. I explained the terms were not favorable to what we agreed and executed on. Honda Financial through the dealership stated that they would call my note and obtain my car through repossession unless I agreed to their new conditions. In order for me to maintain my job and pay my bills, I needed transport to work and agreed reluctantly to finance the car through their higher interest rate, with the same term. On XX/XX/2019 I signed, under duress of the threat of losing my new vehicle, a new loan agreement with the following conditions was executed : Amount Financed : {$35000.00} ; APR : 6.90 % ; Finance Charge {$8000.00} ; Total Payments : {$43000.00}. Although the loan amount was lowered, the total payments back due to the higher interest exceeded the original agreement by {$2000.00}. With the price adjustment and the higher rate, I ended up paying an additional {$670.00} with this agreement. I also experienced financial duress under the change that I was forced into. My payment amount increased from {$600.00} to {$570.00}, thus impacting my monthly financial obligations. In addition, Honda Financial 's actions caused my overall DTI to increase, potentially prohibiting additional lending actions from other lenders. The actions that Honda Financial Services and XXXX XXXX present a pattern of consumer harm and lack of compliance with regulatory standards. Honda financial and XXXX XXXX preyed on a consumer by altering loan terms and threatening my livelihood. I have supporting documentation to evidence this ( executed loan notes ).
Consumer complaint received 2021-08-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (PA)

this debt was made in 2016 when my sister rented the apartment and they added my name to this debt because i was on lease just to live there and i was in school they told my mom who was XXXX  and no income she could live there if not on lease, my sister paid bill in full when our mom moved to XXXX  and sent for us. now that i would like to get my own place this comes up on my credit report but all paper work in my name sister name and she just opened her XXXX  and never came up we even got all mail forward and old landlord said it should have not went to collects she paid everything i got a good reference letter gave back keys and there were no problems.. this greedy 3rdparty company wants XXXX for a XXXX bill that we were never giving nor have or had any knowledge of let alone a chance to pay nor do anything about it plus did not owe since was never on credit and now its on there for XXXX my mom sent ck and the lady said she not accepting because she told my mom to send XXXX to her account and call her cell cause she was going on vacation that same day. if you guys pull phone records and look at how she sent my mom check back you will see they are trying to scam me and add extra to it. the other lady in office said pay XXXX but the first this lady friend call her on vacation and she told the the lady who said we do not owe that only XXXX was going to lose her jobs and they were being mean so she said she wanted to talk to supervisor and then all XXXX broke out and the first lady called my mom phone with her friend in background showing off bn really nasty and rude to my mom so my mom hung up after she was bn smart and said she is sending check back certified for XXXX and wants all she asked for plus interest on top of that since my mom court her in a lie and called her out on it and tried to say that was not right to how they treated the young lady who tired to help us. on that.. we called our Law firm who said we were right and that they were being shady and to report them and we could sue them especially if not corrected and knew that their workers were scamming customers and all credit companies and they said you pay what is on your credit report and they can work out deals, so if it is only XXXX why are the adding extra when that was never disgusted was never owed that is how my sister got her own place how my name get screwed up and now she sends me a letter with my sister name on it not mine so why is it my credit report and why is she sending my sister personal information to me but addressed to my mom certified trying to ruin her business cause my mom came for her trying to scam me and letter said XXXX XXXX you owe us XXXX plus interest when we did not even owe the XXXX them and still not on credit report just a letter attached to my check saying XXXX plus what was added up to XXXX
Consumer complaint received 2021-08-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CT)

Ally Financial reports my loan balance inaccurately to the three credit bureaus which drops my credit and FICO scores. Ally also never reports my account monthly. My credit reports usually say no information or are three months behind. 

When you talk to representatives the issues arent immediately solved even after submitting disputes and waiting 30 days. Ally Financial continues to not update my account timely and accurately which has had a negative effect on all three of my credit reports. 

Currently I owe {$5800.00} on a vehicle. On my XXXX and XXXX reports Ally Financial reports me owing {$6400.00}. On my XXXX report Ally Financial has me owing {$6900.00} and 30 days late.
Consumer complaint received 2021-08-08
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. (NC)

THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (WA)

On XX/XX/2021 I received an email from XXXX XXXX of TrueAccord, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to XXXX XXXX XXXX. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX of TrueAccord responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
Consumer complaint received 2021-08-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage has failed to pay my insurance company from Escrow. When I contacted Freedom Mortgage about this, they informed me that they did not receive an invoice from the insurance company. I contacted the insurance company, and they informed me that they re-forwarded and faxed the invoice and payment information to Freedom Mortgage at the appropriate address. My insurance policy is at risk of cancellation because of Freedom Mortgage 's failure to make payments from escrow in a timely fashion. There is an excess balance in the escrow account associated with my mortgage, and Freedom Mortgage has still failed to make the payments. I may lose insurance protection and be at risk of becoming homeless due to weather, fire or any number of other catastrophic events if the bill is not paid. Additionally, Freedom Mortgage is in direct violation of its obligations to the USDA as the servicer of the USDA-funded mortgage that I have. Freedom Mortgage has exhibited a concerning disregard for their legal obligations to borrowers and the public under 12 CFR part 1024.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

Lexis Nexis is violating my consumer rights.I do not recongize this public account I went up to the court to ask them have they furnished any of my private information to any consumer reporting agency they told me that they have not. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 US COde 1681b ( 2 ) This company also had no permissible purpose to furnish this information on my consumer report and i want them to follow FCRA 15 US CODE 1681i delete this account from their records and let all other agencies they sold this information to, that they need to delete it as well..This fasley validated information is hindering my consumer report and causing me adverse action.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST FINANCIAL BANCORP (IL)

I received a letter stating my account was restricted because of unusual activity and to protect me from unauthorized transaction the bank is first financial the date on the letter is XX/XX/23 then I received a alert that this account was closed on XX/XX/23 not to mention first financial ran a hard inquiry on my credit That was not authorized
Consumer complaint received 2021-08-08
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: EQUIFAX, INC. (IL)

I believe XXXX XXXX along with XXXX, XXXX XXXX and Equifax has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe XXXX XXXX along with XXXX, Trans Union and XXXX has shared my personal information with XXXX XXXX XXXX. After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (WI)

I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with americollect. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

it was about my business and i was using to pay my bills and try many time to remove the from my credit .i am not able to refinance my home because of the credit score and it effect my whole life because my wife lost her to jobs with a family of 5 peapole i am not able to make a payment,
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I scheduled a wire transfer on XXXX early morning to a gardener contractor for some backyard work. The wire never got approved on XXXX and still shows a review status on XXXX. I was about to call ally and see whats going and only found out they locked my account without any notification. I called their support on XXXX and got transferred to their back office and answered several security questions. After the agent finally has assess to my account, she later found out she didnt have the authority to do anything and advised me to continue to wait. At the mean time I may end up having to cash out some of my funds in brokerage account just to pay for the home remodeling.
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-07
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. (PA)

Good morning, this is my second complaint, the first complaint was XXXX. The resolution on the first complaint was that transunion would reinvestigate with the support information I provided CFPB and that they will get back to me. For the last 10 days I monitored this status on Transunion site which showed, they had in fact started to investigation. On the morning of XX/XX/2021, the reinvestigation no longer appeared. I started it again on my own on their system. I called transunion to ask why they had not follow through with the investigation ( I check site everyday ), and the first representative hung up when she said she had no record of investigation in system. The called back and spoke to another representative who stated the same result. I am a little frustrated that they gave the CFPB a response to reinvestigate, and in good faith, they have not done this. It is as if they gave the CFPB the response to close first complaint. They have failed to fulfill their obligation of complaint XXXX and continue to violate FCRA requirements.
Consumer complaint received 2021-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (OH)

I called CBC LLC and asked them to verify this debt from 2 years ago. The lady on the case told me she would try get a letter sent out to my address. 2 weeks went by and I recieved nothing. I called them back and asked where the letter was, she told me the debt is to old and dont have anything to send me. I told her that didnt make sense and she told me she would have her manager call the XXXX XXXX company and have the send me the verification but she told me they might now since it was so old. She also told me to dispute the debt on my credit report. XXXX  removed it XXXX  did not and told me it is my debt and its been verified.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have asked the US Courts and XXXX XXXX to verify a bankruptcy that is reporting on my credit report. I was advised by both sources that it was unverifiable and should not be reporting. I received letters back saying that it was deleted but i still see it being reported and i know that this is illegal.
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America randomly closed my account. I had no knowledge of this happening or that it was even going to happen. If I would have been notified, I could have took the necessary precautions to make sure I received MY MONEY on time, and paid MY BILLS ON TIME! They will not provide ANY reason whatsoever as to why the account was closed. They have held my money for over 5 days. I am completely in THE DARK, as to what is going w the account, what I did, where my money is, and when its coming. This forever will be the worst bank I have ever dealt with. I have rent, bills, and insurance to pay that I have defaulted on due to this issue. I have been denied access to MY MONEY that I HAVE earned via my job. I have had my lights cut off, my internet to work cut off, and more due to this inconveniencing issue. They denied my request to go to the actual branch and withdrawal my money after proof of identity. They have hung up on me numerous times. They have argued with me. No one will help. This is absolutely unbelievable. It is unprofessional. If you ask me, it's also inhumane to treat people this way and do things of this nature during a nationwide declared pandemic.
Consumer complaint received 2021-08-07
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: Convergent Resources, Inc. (CA)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These companies have had 180 days and 4 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you