davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

My complaint is as follows : XXXX I have leased XXXX XXXXXXXX XXXX for a monthly amount of {$270.00} -The financial representative added an insurance of tires of additional cost of {$26.00} to the contract without my consent and approval, -The amount of my monthly payment increased to {$290.00} a month -I called Honda and the dealer to cancel the insurance of tires - I have submitted several complaints to CFBP ended up that the dealer sent the additional amount of {$960.00} which is covering the additional cost back to Honda Financial services. 
-I called Honda asking about the check, - XXXX  from Honda told me that she had been told by her manager that she check will be held till I return the car after the 36 months end - XXXX  advised me that the insurance is cancelled and tires are not covered and they are holding my money that I paid for the tires till I return the card back - please help me against this Fraud by Honda Honda Financial services, they are refusing to end me my money back - I never seen such thing in my life that such company is steeling the customer just like that.
Consumer complaint received 2021-07-29
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. (DC)

I am writing this due to non-compliance with the CRA ( Experian ). 


They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : XXXXXXXX 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 2022-01-01
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: EQUIFAX, INC. (FL)

Submitted to Equifax copies of fraud complaints filed in XXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, Equifax fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of XXXX XXXX and previously sent to Equifax and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

XXXX  XXXX balance is at zero and Equifax refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.
Consumer complaint received 2021-07-29
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)

At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!
Consumer complaint received 2021-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (MO)

I applied for a home refinance cash out loan XX/XX/XXXX. At application i stated my home was worth XXXX. I owe XXXX on my home currently. I was looking to take cash out, but to stay at 80 % loan to value. I got approved for the mortgage, and home was sent for appraisal. On XX/XX/XXXX I was sent documents to sign to lock in my rate and fees on the loan. The appraisal came back at XXXX on XX/XX/XXXX. The loan officer working on my file, XXXX XXXX with New American Funding, called me ON XX/XX/XXXX to say the loan came back less than the XXXX they had manually estimated the homes value at and needed to change the loan. They sent me new docs to sign which included XXXX in extra fees even though I had already locked those fees and rate in on XX/XX/XXXX. It had not been 45 days. 

I asked him about this and he said he would get back to me. It has now been 15 days and I can not get a call back from the company. 

During that time my homeowners insurance company informed me that they had not received payment from NAF and my insurance was going to lapse. New American Funding had me change my lien holder prior to loan closing. Now my insurance has not billed my current mortgage and will not because they are not listed as the lien holder. I have emailed XXXX XXXX about this 4 times starting Monday XX/XX/XXXX through today. No response. I have called him and he said there was a snafu with my loan and the vp is looking at it. It will be taken care of, but still nothing. They are stalling the loan to get outside of the 45 day lock.
Consumer complaint received 2022-03-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

Hello, I have to collections on my credit reports from a company by the name of LVNV FUNDING LLC one in the amount of {$400.00} and the other {$790.00} from XXXX and XXXX. I am unable to work due to one of my children becoming sick and XXXX. I am now forced to use his social security for me, 4 children to make a living off of I am unable to pay any of my debts old and Im just wishing someone could please help me get these debts removed. I also have collections from XXXX ( XXXX XXXX XXXX ) for {$420.00} from XXXX and one from XXXX XXXX XXXX for {$430.00} in XXXX please help me get this removed please.
Consumer complaint received 2023-01-23
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)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-07-29
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (IL)

I requested a check for a rent payment from Chime bank on XXXX. They subtracted the amount from my account on the day, but failed to send the check on my behalf. I was then sent the following email on XX/XX/XXXX : " Hi XXXX, Were reaching out to let you know that one or more checks you requested to be mailed on your behalf has experienced a delay and is currently expected to be delivered to the recipient by XX/XX/XXXX. 

If you need to make this payment urgently or have any questions about this message, please dont hesitate to reach out to us by responding directly to this emailwere here to help. 

We apologize for any inconvenience this may have caused. Thank you for your patience, and for being a Chime member.

Sincerely, The Chime Team '' This could potentially have a serious impact on my rental situation. I asked them for detail as to what had happened, where my money was for the month, and why they were only just letting me know what had happened ( 22 days afterward ). I received the following response from Chime : " Hi XXXX, After taking a careful review of your account, I was able to verify which checks experienced a delay to be delivered, they were the one ( s ) requested from XX/XX/XXXX to XX/XX/XXXX. 

I assure you the checks will be delivered no later than XX/XX/XXXX as stated in the email. What I can do at this moment is cancel the checks to have the funds returning to your account in 3-5 business days. I would strongly suggest you use the direct debit feature providing the biller your account number and routing number for an electronic transfer. 

Please confirm if you want to proceed with this option and I will do it right away. We appreciate your patience with this matter. Here are the checks affected by the unfortunate delay : LANDLORD XXXX XXXX XXXX PDT I look forward to hearing from you. 

Thanks, XXXX XXXX Chime Member Services ''
Consumer complaint received 2022-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TN)

When I signed up for payments through Edfinancial the representative stated my loans would be paid off in 10 years. Also, during Covid I told them to continue to deduct my loan payments after I got an email. I looked today at my tax documents and they have not taken 1 automatic payment since XX/XX/2020. This institution is very fraudulent and need to be sanctioned heavily.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

My mortgage loan was transferred from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my experian score today and it dropped 65 points because they reported it again called again and spoke with XXXX in XXXX escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.
Consumer complaint received 2019-12-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018, XXXX XXXX XXXX ( Notary ID:XXXX   Cert. GG XXXX, Exp.XX/XX/XXXX, Bonded by XXXX  XXXX XXXX XXXX  ) deliberately notarized fabricated documents on behalf of Mortgage Electronic Registration Systems ( MERS  ) and Bank of America ( BOA ). The mortgage assignment documents assigned from MERS to BOA thru e-recording on XX/XX/2018 have no book #, no page #, and XXXX XXXX XXXX under Florida Statute Section 117.107 ( 9 )  never identified the signer was present with notary at time of signature, Failed to Confirm the Identity of the Person Who Signed under Florida Statute Section 117.05 ( 5 ),  Notary misconduct left Substantial Portions of the Jurat of the Instrument Blank Prior to Notarization under Florida Statute Section 817.107 ( 10 ). 
Please note attachments that support my complaint.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (TX)

Fraud charges started showing up on my credit card on my Chase XXXX credit card on XX/XX/XXXX and I caught them on XX/XX/XXXX. They had charged charged over {$21000.00} while on a shopping spree around XXXX, TX, with a bulk of the charges at XXXX, XXXX, XXXX, and XXXX. 

I contacted Chase on XX/XX/XXXX to let them know about the fraud charges and we cancelled card number and they sent me a replacement. 

I received a call from a fraud specialist 2 days later. She explained to me that it was my responsibility to visit all the stores personally and investigate the fraud... I'm pretty sure the credit card company is supposed to handle this. The fraud charges were removed from my account the next day. 

Now it's XX/XX/XXXX and the charges are now back on my account and nobody has contacted me regarding why. I did not make these purchases and I should not be responsible for them. 

The document attached shows all of the disputed fraud charges- 13 in total.
Consumer complaint received 2022-01-01
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. (GA)

On XX/XX/21 I disputed online and sent a letter to Experian regarding a collection appearing on my credit report with the company XXXXXXXX XXXX  XXXX, which this collection isnt mine. Also, I contacted the original creditor several times, no answer. 

On XX/XX/21 Experian online alerts stated, The dispute for the account with XXXXXXXX XXXX XXXXXXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certi-ed to Experian that the information is accurate. 

Legally, according to FCRA any items unauthorized or unverified MUST be removed. 
Experian didnt provide any proof of this collection.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

My client has a collection from an apartment complex, but my client paid everything once he moved out. Not only the apartment complex didn't give him back his deposit, but they are also claiming extra balances and fees that my client does not recognize. Hunter Warfield bought the debt and it's been trying to collect the amount claimed. On XX/XX/2021I sent a letter asking for verification of the debt, then on XX/XX/2021, the collection agency sent us a copy of the lease contract and a separate page with balances and charges that my client does not owe. On XX/XX/2021 I proceeded to send a second letter stating that the extra fees and balances that they are claiming are not written down in the original lease contract. By today XX/XX/21 the collection agency still hasn't responded.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MO)

The same company keep putting XXXXXXXX XXXX on my account the take it off put it back now they are saying it's accurate. Have live at my address fir 7 years have never had XXXX.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (AL)

XX/XX/2021 XXXX, Experian, XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2021-07-29
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-07-29
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. (AL)

XX/XX/2021 Equifax, XXXX XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (MO)

this account has been changed from one collector to another. i have asked for proof of why they say i owe this. after asking them, they continue to send old info. or they just dont want me to know. please stop this. i dont know what company it is.
Consumer complaint received 2021-07-29
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)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.
Consumer complaint received 2023-01-23
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. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.