davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NC)

Honda Financial repossessed my vehicle XX/XX/. Prior to the vehicle being repossessed i was in contact with the lender. I called to make a full payment after giving them dates that I would be able to catch up on my payment. My private information was then sold to a repo company in which I did not sign a contract with. Repo agent went to my aunt property and also was arguing with her outside. Repo agent had cops assist in finding my vehicle. Police officers called me 3 days prior to find out where the vehicle was and mentioned they were calling on behalf of Honda Financial. When asking to speak with a supervisor its takes them 24-48 hrs. I called weds and they had someone impersonating as a supervisor call back on XXXX and didnt hear back from someone until XXXX. I explained to them I have the money to pay in full and they will not take it and told me they will no reinstate my loan.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Consumer complaint received 2020-07-30
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. (TX)

I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I went to open a checking account with XXXX XXXX XXXX  and also XXXX XXXX in XXXX Maryland ( XXXX XXXX XXXX ). I was denied based on a " Chexsystems '' report. I called Chexsystems and downloaded my report dated XX/XX/2023. Under " Reported Information '' my report says " No Information Found ''. As such I am not sure how I can be denied an account based on XXXX report if there is nothing on the report!
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

At least a Toyota XXXX through Toyota financial services. The vehicle was totaled by a party that unfortunately was shot and killed by police. Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, XXXX, and Toyota on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. Toyota never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Consumer complaint received 2018-05-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MI)

I won my claim and netspend is making up reasons why they are taking so long to return my money. My SSI payment from XX/XX/2018 they said 5 to 10 business days that's a lie .I want my money.
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Riverwalk Financial Corporation (OH)

On XX/XX/2018 I sent a letter to XXXX XXXX XXXX explaining to them That I am XXXX and my ONLY income is XXXX from Social Security, which is exempt from collections. I also sent my award letter from Social Security. I asked them to remove a collection from my credit file which is causing my credit to be poor. They responded with a counteroffer of reducing the debt 25 % of {$3600.00}. I am on XXXX permanently. I am unable to work for the rest of my life due to poor health. I called on XXXX at XXXX am and explained it to 2 different people. The last man I talked to told me he would look into it and call me back. I have not heard anything from them yet! It is XXXX. They gave me 30 days to respond and when I did they didnt respond back to me. Tomorrow will be 30 days as of XXXX
Consumer complaint received 2018-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I was looking over my Experian credit report to make sure the information was accurate and noticed a ton of inquiries that I did not make. Experian makes it fairly easy to dispute information through its online services which I have used before to dispute inaccurate information and was successful, however the website did not allow me to dispute the hard inquiries online, but instead prompted me to call. I called and spoke with a representative. I told her that I wanted to dispute the inquiries on my credit report. I had already been in touch with some of the companies that made the initial inquiry and was unsuccessful. I relayed this information back to experian to see if i could go ahead and dispute through them and the answer was no. The representative told me that they do not dispute inquiries unless I had a deletion letter from the company that made them. I received absolutely no help from them whatsoever and do not know what to do ... 

The inquires that are in question is XXXX XXXX XXXX XXXX auto ( several inquiries ) XXXX XXXX XXXX XXXX XXXX credit XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NY)

On XX/XX/XXXX our mortgage broker at XXXX XXXX negotiated a 30-day rate lock with Freedom Mortgage at 4.375 % with the cost of 1.092 % ( points ) to obtain the rate. We have written verification between us and the broker. The broker has phone records between XXXX and Freedom Mortgage as they verbally went through the process with Freedom Mortgage. 

On XX/XX/XXXX we received an email from Freedom Mortgage with secured documents to sign and verify. When we observed the paperwork our cost to close increased by over {$16000.00}. Freedom Mortgage listed in their disclosure that a cost of 3.776 % ( points ) would be needed to obtain the 4.375 % rate. 

On XX/XX/XXXX when our broker contacted Freedom Mortgage they claimed it was a " computer error '' that displayed the 1.092 % rate. There was no contact with the broker on this " error '' between XX/XX/XXXX and XX/XX/XXXX. There was no documentation sent to the broker after a verbal walk-through of the numbers upon locking the rate. We were sent documentation by Freedom Mortgage to sign, lock, and prepare to close without the primary negotiator, our broker, being notified. 

We find this highly problematic that Freedom Mortgage ( 1 ) did not notify the broker responsible for the transaction of this " error '' ( 2 ) did not disclose any error to us ( the loan recipient ) and ( 3 ) blame it on a computer error though Freedom Mortgage verbally confirmed the entire process with our broker AND avoided any contact with the broker afterwords. This contact is considered, by me, to be phone or email. 

Freedom Mortgage was contacted on XX/XX/XXXX and will not return to the agreed upon terms of the week prior. We are now paying 1.3 % ( points ) to move our rate down to 4.6xx %. This is and increase in closing costs, an increase in monthly payments, AND an increase in overall payments to Freedom Mortgage. We have a contractual closing date to meet and this tactic is basically forcing us into worse terms and greater benefit for them. 

Overall, I am concerned with the " bait and switch '' tactic employed by Freedom Mortgage when they provided terms, verified terms, changed terms, and did not disclose the change until a document had to be verified a week later. Personally, I do not believe it is a " bait and switch '' but rather Freedom Mortgage reneging on an agreed upon rate. If I were to do that with my mortgage they would seize my property. 

I am also concerned with how many others may have been affected by this " computer error '' ( if there even was one ). On any given day I could only assume hundreds, if not thousands, of people come to terms with Freedom Mortgage. If they employed the same tactic with others, were the customers aware of the change when they signed the papers? Did they feel pressured to sign because a mortgage, even at a higher rate, is better than no mortgage?
Consumer complaint received 2018-05-10
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: Experian Information Solutions Inc. (CA)

I am a hold of my experian credit reports and have noticed numerous errors on inquires that i did not authorize on my behalf. Below they will be listed numerically. 

1. XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX Please help me with this dilema as it has been stressing me out.
Consumer complaint received 2018-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 3 different inquiries i have never applied for nor have any knowledge about. 

These accounts are listed below. 

1. XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX date : XX/XX/XXXX Why is there a double inquiry for the same company? 

I dont have any accounts opened by these creditors. 

I recently received a copy of my XXXX credit report I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc. (LA)

I would like to submit a complaint against ( Louisiana Recovery Services ) regarding unknown medical account ( s ) in the amounts of {$91.00} and {$95.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Louisiana Recovery Services ) did not provided me with any type of notice regarding the account ( s ). ( Louisiana Recovery Services ) never mailed me any letters or communicated with me in any manner regarding this alleged account ( s ). I mailed ( Louisiana Recovery Services s ) a certified, registered and tracked letter via the United Stated Postal Services on or around XX/XX/2018 requesting debt/account ( s ) validation and production of documents pertaining to the account ( s ) ( Louisiana Recovery Services ) is reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not responded to my letter requesting debt validation and production of documents for the account ( s ) per the Fair Credit Reporting Act and Fair Debt Collections Practices Act but ( Louisiana Recovery Services ) continue to report the time-barred, unvalidated/unverified account ( s ) on my credit reports. Therefore, I contacted the original creditor ( s ) listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that Medicaid had paid all account ( s ) /bills.

These erroneous entries being reported by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Consumer complaint received 2022-07-23
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. (WA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions
Consumer complaint received 2018-12-06
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. (CA)

I am victim of identity theft. I reported ID Theft to all 3 credit bureaus. I had accounts/inquiries on my credit report which was ID Theft. XXXX & XXXX removed those inquiries/accounts. However, EQUIFAX did not. The investigation did not result in anything but them not removing the account. I really need this account/inquiries to be removed since they are not mine. I spoke to them numerous amount of times.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (MO)

My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child.

We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. 

I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken.

When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. 

As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. 

I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (OH)

My judgement is for {$8000.00} + 5 % annually. My debt was purchased by Cavalry SPV. I have paid {$1000.00} in total payments. They tell me my balance is {$8300.00}. They will not tell me my beginning balance. And wont tell me where my payments have gone.
Consumer complaint received 2018-05-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IA)

I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called Equifax and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to Equifax of the matter and they said they were not reporting to Equifax and informed me that Equifax is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called Equifax on this information and they told me they would file a dispute. 
I received information on the completed dispute from Equifax on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. Equifax is using the 3rd party vendor XXXX who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to Equifax, however they will not contact Equifax since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.
Consumer complaint received 2022-07-23
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. (MI)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-04-18
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: ALLY FINANCIAL INC. (MS)

Ally is reporting to XXXX monthly since XX/XX/XXXXof an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXXI was made aware of the ally account and several other accounts reporting to my credit report but only to XXXX All of the accounts that did not belong to me was from one individual however its only showing on XXXX  report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both XXXX and ally and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. XXXX  is blaming Ally and Ally is blaming XXXX. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Consumer complaint received 2022-11-03
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: Thaxton Investment Corporation (KY)

Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX  XX/XX/2XXXX XXXX