davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CO)

XXXX is listing the incorrect address for American Honda Finance/Honda Financial Services. The street address is listed as XXXX XXXX XXXX XXXX. The XXXX street address in North Carolina is XXXX XXXX XXXX XXXX. XXXX is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as American Honda Finance. The correct name should be Honda Financial Services. Honda Financial Services also has an address in Texas - Honda Financial Services, PO Box XXXX, XXXX, TX XXXX. What is the correct address for Honda Financial Services for communication regarding consumer credit reporting - Texas or North Carolina?
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MI)

I have had an issue repeatedly with my Target Redcard Credit through TD Bank where my payments are being made, posting on my checking account AND my Redcard, but my available credit is not being updated. I have contacted Redcard services several times and have just been told that they cant update it. When calling they have just stated that the payment, despite showing up as posted on my end, is still pending in their system and there is nothing they can do to update it. Again, at this point the funds have already left my personal checking account, been received by TD Bank and are listed as posted in my Redcard account. This has happened several times now. My last XXXX payments are currently still not reflected in my available credit. When I had this issue previously a payment that I made on XX/XX/2023 that was posted on XX/XX/2023 ( in bothe my personal bank account and Target Redcard ) did not go back on my available credit until XX/XX/2023.
Consumer complaint received 2022-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

XXXX XXXX had my mortgage and sold it to Freedom Mortgage in XX/XX/2021. I was not aware of this. I continued to pay XXXX XXXX  on time each month. The 1st 2 months it was ok because by law stating the lender has 60 days to forward to the the newest lender if I would send it to the wrong one. I live in XXXX, WI XXXX. BUT I use an XXXX, WI address for receiving all mail. XXXX XXXX was aware of this but when it got sold to Freedom mortgage XXXX XXXX  did not let Freedom Mortgage know that the mailing address had a different city & zipcode compared to primary residence. Athelstan post office does NOT deliver mail. XXXX, WI does. The paperwork did not go to the XXXX, WI Address. Hence I missing 5 months worth of payments that reduced my credit score drastically by XXXX XXXX. I found this out when I received an alert from XXXX XXXX to check my credit and found out Freedom Mortgage now had my mortgage and showed i missed 5 payments. My bank XXXX XXXX was sending my checks back to me uncashed. I could not figure this out til it was too late. Damaged has already been done. My lender who refinanced my VA loan helped me straightened it all out as to catching up with my payments YTD and who to pay now, Freedom Mortgage. As you can see with the letters I have attached they all show XXXX address. I would not have received these. I did clear this up with Freedom Mortgage once i paid the YTD in full to show up to date mortgage payments. 
Biggest thing is how can we fix my credit and reimburse the late fees and costs.?
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Garcadia Financial LLC (IN)

On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WY)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( 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 ) I am Attaching identity and proof of address.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Collection agency XXXX XXXX XXXX whom I never had an account with have failed on 2 attempts to provide written proof with my signature that I had a account with them. XXXX states on 2 disputes that the information is correct and has been verified but have not provided me with written proof. I would like for XXXX to provide me with written proof with my signature showing that I had a contract with XXXX XXXX XXXX.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Per Ditech 's response of the last dispute. 

We have found the information to be lacking in information to back the findings. We are attaching the statements for the 14 months of Interest Only payments on a Simple Interest loan. We find it hard to believe that payments over this period of time could all go to interest when some payments are clearly made less than 30 days apart. We since went through all 20 years of the statements we have collected and found these statements from XX/XX/XXXX to XX/XX/XXXX to of great concern. We have also attached the response from Ditech in the words of their own Paralegal XXXX XXXX " that the months where no principal was applied, payments were generally more than 30 days from the last payment made or past due interest was owed ''. Then states to " please refer to the enclosed payment history for breakdown of the payments applied toward principal and interest '' Yet there was no 'enclosed payment history ' for us to review. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (AL)

I RECEIVED A Copy OF MY CREDIT REPORT FROM ALL THREE CREDIT BUREAU. I NOTICED SOMEONE EITHER PURCHASED OR TRIED TO OPEN SOMETHING WITH THE COMPANY THAT I'm DISPUTING. I ASKED ALL THREE CREDIT BUREAU TO PLEASE REOMVE THIS ACCOUNT, BUT THEY FAIL TO DO SO. I PROVIDED THEM WITH A POLICE REPORT, IDENTITY THEFT REPORT, AND A WRITTEN LETTER FROM MYSELF, LETTING THEM KNOW THAT THIS ITEM WAS NOT MINE. they DID NOT ACCEPT MY INFORMATION AND DECIDED NOT TO REMOVE THE Item. The item that I asked to be removed was the COMENITY CAPITAL account. the credit limit was {$600.00}, BUT THE REPORTED BALANCE WAS {$1000.00}. THE INFORMATION FOR THIS COMPANT is " Comenity Capital. address : Loyalty XXXX., XXXXXXXX XXXX XXXX the TELEPHONE NUMBER is ( XXXX ) XXXX XXXX.
Consumer complaint received 2021-06-10
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. (IL)

Good morning. This situation has become absolutely unbearable. I've just checked my credit scores with Transunion and my score has gone down once again. This, despite the fact that I have a stellar payment history. At this point, you'll see by the screen cap of score fluctuation, I'm almost giving up hope with these people They've also reduced my credit history by one month - saying that my history is 8 months. In fact, my credit history goes back three years at this level I'm currently pursuing employment within the XXXX  field and because of this credit score it's making it difficult to approach any of the larger XXXX  or XXXX  firms. Not only that, my objective is to work within the XXXX  sector - there's absolutely no way that they'll employ me with credit score like this. Even though it's 100 % INACCURATE
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. They proceeded to list this account on my credit report and I have SCRA protection from canceling this lease so they are reporting a debt I am not liable for through National Credit Systems.
Consumer complaint received 2020-07-27
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 tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

To whom this concerns, JPMorgan Chase has not resolved a continuing issue that has been occurring since 2014, and actually caused issues where I was hired there and they ultimately declined me due to their " Security Scan '' Because of these checking and savings accounts that were opened ONLINE, as a result of identity theft. Here is the information I can provide to Chase Bank. Here 's what I know about these accounts. These accounts were opened fraudulently, there were two savings and two checking accounts opened all of which online and were fraudulent. Lastly there was credit card payments to the fraudulent credit cards from the fraudulent checking account. I did not make these credit card payments and I do not approve these payments. The checking account that was opened from identity theft, someone used to pay the payments to the credit cards that are also fraudulent as a result of identity theft. I did not authorize these checking account ( s ) nor Savings accounts opened online to be approved. These were opened fraudulently. I have never logged into chase bank because I don't have a username. In addition, I have not applied for any auto loans with your bank. These are fraudulent applications, which I have not approved nor accepted. Again these were submitted online and should be withdrawn. I want these Bank accounts and the username associated with the fraud to be closed out due to fraud. I do not have access to these bank accounts nor any access to the fraudulent credit cards that the bank chose to let the fraudulent checking account pay. These accounts were opened from Identity theft. Using an address I never have lived at XXXX XXXX XXXX, XXXX TX XXXX. At that time my Email addresses were hacked and My social security card and driver license were used. The Crook stole my wallet, and contained my email addresses. The thief also hacked the emails on file. I had to work with XXXX to get these reset. In addition, The thief opened other accounts not related to chase such as XXXX XXXX XXXX, and XXXX  XXXX at the same time as well. So it's not just chase this Identity thief opened several accounts all of which were fraudulent. All of these banks have taken care of the Identity theft BESIDES chase bank. I want to know what we can do to resolve this. I did not make any credit card payments to any fraudulent accounts. As stated the email addresses were hacked. I didn't submit any complaints to chase before these were done when the thief stole my email address as well. Please review and comply with my identity theft claim that these checking and savings accounts as well as the auto loan applications were fraudulent. In which I did not authorize and I did not authorize any credit card payments either to the fraudulent credit cards.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

My mortgage was transferred to XXXX/LoanCare XX/XX/19. My prior mortgage company was collecting and paying my hazard insurance. My insurance carrier ( XXXX ) sent me confirmation that my loan company was changed to Loan Care on XX/XX/19 along with the current premium that was due. It was my understanding that the new mortgage company would pay the bill since they had the funds in escrow. I received communication from the mortgage company that they were going to place hazard insurance under them on my home followed by letters dated XX/XX/19 and XX/XX/19 that the policy 's placed by them had been cancelled which led me to believe they had made the payment to XXXX as they were supposed to per my arrangement with my prior mortgage company. On XX/XX/19 they withdrew {$1400.00} from my escrow account to pay for coverage they placed on my property. I immediately contacted XXXX to find out they had failed to pay my policy and coverage had been cancelled. Upon discovering this, I immediately purchased insurance for my property and informed the mortgage company I had done so. Unfortunately due to their failure to pay my policy, I had a lapse in coverage. XXXX/LoanCare took it upon themselves to charge me for this lapse. As it was their responsibility and failure to pay my insurance, I do not believe I should be paying for this. I believe they owe me {$270.00} as only {$1100.00} of the {$1400.00} was refunded to my escrow account. I have attempted to address this with them on 2 occasions both of which took hours on the phone. I was led to believe the error would be resolved and I would be refunded. I have reviewed all of my mortgage statements and no refund has been issued for this. I believe my money was mishandled by the mortgage company and it is frustrating that I have no choice in who is managing my money that they feel they can spend my money in ways that have not been approved by me. They were given notification of my insurance being due and had ample opportunity to pay for it. They failed to do so and also FAILED to tell me that they had missed the deadline for payment and that I needed to resolve this with XXXX. I feel they have failed me in their fiduciary responsibility to handle my money.
Consumer complaint received 2018-04-02
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. (MI)

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

Around XXXX of XXXX I entered into a mortgage forbearance plan with US Bank due to a decrease in income related to XXXX. When my forbearance plan ended last year, US Bank offered me a loan modification. After submitting the notarized loan modification forms to them several times, each time they returned the papers with vague reasons why they were unable to accept them. Finally, they said that too much time had passed and I would need to reapply for mortgage assistance, which I did. 
After several weeks they again sent out loan modification paperwork which I then took to XXXX XXXX in XXXX XXXX XXXX to be notarized. Per tracking information from XXXX, these papers were received on XXXX, XX/XX/XXXX. On XX/XX/XXXX I received another packet from US Bank with a letter stating that they could not accept my paperwork and new loan modification paperwork to complete by XX/XX/XXXX. Today at XXXX XXXX my wife and I called US Bank to speak with a loan modification employee regarding why they could not accept the papers that were sent to them ( yet again ). The employee named " XXXX '' ( unsure if spelled exactly correct ) stated that it was either due to the notary not signing a paper, or that I signed in print ( I am unable to sign in cursive ). He was unable or unwilling to tell me what paper the notary did not sign correctly, and also stated that the loan modification forms MUST be signed in cursive even though I do not know how to write in cursive, and my initial mortgage papers were signed in print without an issue. 
At this point I am VERY concerned that I may lose my home to foreclosure due to the constant refusal of US Bank to accept notarized paperwork. Every time the papers are submitted, there are different excuses why they are unable to accept them. Please help!
Consumer complaint received 2022-02-17
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. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (OK)

I had 13 charges to a Google pay account I did not authorize in the amount of {$1800.00}. I disputed it with my bank who considered it fraud, but retracted the claim once Google claimed that these were legitimate charges. Google Payments sent me an email stating that " due to suspicious activity, we've suspended the ability to make payments through your account on Google products and services to prevent unauthorized charges. I have made numerous attempted to contact Google and have yet to receive a response. Please review my case so I can get closure and return the significant amount taken from my accounts.