davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/2018 American Honda Finance have an open loan in my name which I never apply for and never Finance any car with them. American Honda Finance has a balance amount of {$9400.00} account XXXX under my name which is Fraudulent. I have submitted FTC report and Police report to Creditor and XXXX already. I have submitted fraud affidavit to American Honda Finance and Creditor bureaus to report the Fraudulent account. I request that American Honda Finance provide me with the credit application and Identification that was provided at the Dealership where the vehicle was purchased. American Honda Finance refuse to provide that documentation. Instead they provide me with my Fraud affidavit that I have submitted to them to report the Fraudulent account. American Honda stole my information from the report fraud affidavit that I submitted so they can my my information with the credit bureaus so it can show a validation in the credit bureaus eyes and CFPB eyes that the account is valid. I NEVER NEVER OWN OR HAVE A HONDA VEHICLE. NEVER PURCHASED OR FINANCE ANY VEHICLE THROUGH HONDA FINANCE. I NEED AMERICAN HONDA FINANCE TO PROVIDE ME WITH ALL PAPERWORK I SIGNED OR ALL APPLICATION I SIGN AT THE DEALERSHIP THAT THE CAR WAS FINANCE FROM. I DONT NEED AMERICAN HONDA FINANCE TO SEND ME MY REPORT FRAUD AFFIDAVIT THAT I SUBMITTED TO THEM SO THAT I CAN REPORT THE FRAUD. I BELIEVE AMERICAN HONDA FINANCE REFUSE TO PROVIDE THE CREDIT APPLICATION THAT WAS SIGN DATE OF PURCHASE OR ALL APPLICATION THAT WAS XXXX THAT DAY BECAUSE THEY STOLE MY IDENTY AND MY INFORMATION TO MATCH IT WITH CREDIT BUREAUS. I AM ASKING CREDIT BUREAUS AND CFPB TO REVIEW THE CREDIT APPLICATION THAT WAS SUBMITTED AT TIME OF PURCHASE FROM THE DEALERSHIP THOROUGHLY WITH THE INFORMATION AMERICAN HONDA FINANCE WILL PROVIDE FROM THE DEALERSHIP NOT MY REPORT FRAUD AFFIDAVIT. IF NO APPLICATION FROM DEALERSHIP OR CREDIT APPLICATION FROM DEALERSHIP CAN'T BE PROVIDED. I AM ASKING FOR THIS ACCOUNT TO BE REMOVE OR DELETE FROM MY NAME DUE TO FRAUD.
Consumer complaint received 2022-03-18
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. (NC)

I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Obtained a loan for XXXX XXXX on XX/XX/XXXX. Per the Retail Installment Contract and Security Agreement signed, " You may prepay this Contract in full or part at any time. Any partial prepayment will not excuse any later scheduled payments until you pay in full. '' I have made numerous extra payments and very large payments but before I started doing this, I had called Bank of America 's ( BOA ) customer service number at XXXX to verify that any excess payments would be applied to my principal balance since there was no option to designate this either within their online banking tool or by phone payment ; I was told excess would automatically be applied to principal. I have recently learned that this has not been the case - that instead, they have been extending the due date of my next payment which is now extended over a year out. Since discovering this, I have made 6 phone calls to BOA in an attempt get this resolved. I have also visited their branch office in XXXX, Texas in an attempt to speak to someone. My last attempt to visit in person was on the morning of XX/XX/XXXX. As I have experienced in the past, there was no sign-in sheet available and when I approached a banker to attempt to get on a list, she told me they did not use a list and also that she had no time that day, nor could she book an appointment for me and that I could call to make an appointment, but I have attempted that in the past with no luck. My most recent call to XXXX was placed on XX/XX/XXXX at XXXX and was answered by XXXX who reports that she was in the CVO department. During the XXXX minute call, she repeatedly put me on hold with no explanation and would not answer questions. She eventually placed me back at the very beginning of the call que although she had previously stated that she was going to directly transfer me to the correct department who could correctly apply my previous payments and that she would stay on the line and explain my concern. She asked me if I wanted the bank phone number and when I told her I didn't understand what bank she was referring to because I had already tried to visit the bank in person, she just put my call back in the que. She also told me she could mail me the transaction activity report from conception of my loan to today 's date, but later told me she was finding out if she could that. I had already had a previous Bank of America employee tell me during the week of XX/XX/XXXX that I was being mailed a transaction list and would receive it in 3-5 business days but did not receive anything. That previous agent also told me that she was connecting me directly to the department that would correct the previous payments and that, in the case I was disconnected, she had already placed a request for them to contact me. I was not directly connected, I was simply placed back in the original call que where I tried unsuccessfully for 12 minutes to get connected to a live person ; there was also no follow-up contact from Bank of America as promised.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

Complaint : American Express / American Express XXXX XXXX - Purchased XX/XX/XXXX Originally purchases on-line vis Amex XXXX XXXX Purchase via my Amex Card... 
XXXX Card was delivered then lost. 
AMEX XXXX  Ref Number ( Case # ) XXXX Amex Receipt Number XXXX ( my receipt ) After many attempts and after being told by Amex XXXX that replacement was sent on XX/XX/XXXX none has been received. Told it takes 30 days. Have waited more than 30 days still no response. Contacted today XX/XX/XXXX and was asked to start this process again... 

Can you help
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (ID)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXK XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX bankruptcy discharged Reference Number XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (NE)

I have told this company before that this number is to NOT be called but yet they still insist on calling over debt I supposedly owe. This morning XX/XX/2022 at XXXX XXXX they called. I told the lady that I was on the do not call list and she was confused.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have had fraudulent activity where someone tried to apply for XXXX account XX/XX/XXXX and XXXX XX/XX/XXXX. My credit report is frozen, filed a police report, sent to TransUnion but they say the dont have it and wont remove the hard inquiries.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The bank rearranges my account balances reflecting in less money than what I calculated at the time am I spending. When fees are dropped from my account for example like returns, they are not reflected in my account but supposedly my money was refunded. That lack of reflection in my account and the rearranging of transactions lead me to believe that I had overspent and bank has charged me an overdraft fee. Then things later I still have an overdraft fee but my account has finished pending and I have money in my account but Im not able to dispute that overdraft fee. The bank is stealing money from people who live paycheck to paycheck like the majority of Americans. Leading the majority to believe that they have to pay these overdraft fees because of the banks systems through the online banking account access.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent due to XXXX. From the beginning XXXX was unlawful because they accessed my credit report without valid permissible permissible. XXXX based their permissible permission upon attached incomplete and undated application that even states incomplete applications would not be processed. But XXXX went forward with the fraudulent loan. I filed attached sheriff 's report but XXXX would rather deny and try to extort some payment from me as seen in attached settlement letter. Experian doesn't regulate and protect my information but just passes the buck on XXXX. Shame on XXXX and Experian.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

On Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.
Consumer complaint received 2019-08-08
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. (MO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/XXXX XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (WI)

I have a Truist bank account that I only really use once in a blue moon, because my parents can quickly transfer funds over in case of emergency. I transferred {$4500.00} into the account on XX/XX/XXXX, and attempted to use those funds to pay a XXXX bill. The payment was bounced back twice ( most recently on XXXX, I believe ), with the reason given that the account had been closed. If I log in to Truist 's website, my account shows an available balance of slightly over the deposited amount, and makes no indication that the account is closed. 

I spoke with Truist customer service today ( XX/XX/XXXX ) and learned that my account had been placed in " inactive '' status due to me not using it for over a year- which is probably true except that I had successfully deposited {$4500.00} last month - and the ONLY way for me to remedy this would be to physically walk in to a branch and request a temporary debit card. The nearest physical branch is three states away, so obviously this is not an acceptable solution. Truist has effectively deprived me of several thousand dollars. I'd be fine with it if the inactive status didn't let me transfer the money in the first place. I'd even be okay if I had to call and have someone manually override the system. But this is unacceptable.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I discovered that I had an outstanding bill with XXXX collection   agency. Upon calling to resolve the debt, I discovered an attempt was made to pay the debt. There was allegedly an error with the original payment method and I was allegedly contacted about the payment method error. I did not receive this contact but nevertheless paid the debt last month when I found out about it. I've called XXXX repeatedly to confirm they have reported my account as paid in full to EXPERIAN. XXXX confirms they not only reported it but have received confirmation from Experian that the collection account has been removed. IT HAS NOT BEEN REMOVED. I have waited weeks to see if it will be updated and continued calling XXXX to confirm. It is utterly impossible to reach Experian to inquire about this. 

Experian has not updated their records, however somehow they have alerted me to a " new late payment '' but when clicking there is no evidence of the late payment and the collection amount due remains as outstanding. I have tried ceaselessly to contact Experian. The Experian customer service line is an absolute joke. If you call the number on their website nobody ever answers and you are taken through automatic prompts and placed on hold, only to be hung up on. This is insanity. If I didn't know better I would assume Experian is a fraudulent company with nonexistent customer service. I implore someone reading this to attempt to speak to a representative. It is impossible. XXXX. I can not believe this is how credit reporting agencies are allowed to function. This is completely unacceptable. I understand gears run slowly when multiple agencies need to update their records. However, this is affecting my livelihood and is an unacceptable situation. If Experian has reported to XXXX that they have removed the collection account, why does it remain as an outstanding bill? And why is it impossible to reach anyone to discuss this. I have a limited time table to work with to resolve this matter because I've already taken the hard hit to my credit trying to secure a loan. I have a small window to resolve this matter and have my credit re-run to secure a better loan rate. THIS IS UNACCEPTABLE.
Consumer complaint received 2022-03-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Direct Account Management (CA)

XXXX XXXX at Direct Account Management gathered general information from me on XX/XX/2022 at XXXX XXXX and said I was pre-qualified for an income based loan forgiveness that worked with the Department of Education . It would save me about XXXX XXXXXXXX of interest. After 60-90 days, my loan at XXXX ( my current student federal loan service ) will reflect {$0.00} and I will make 6 monthly payments of {$200.00} that would go into escrow during the transition period. After that, I would make 240 payments of {$230.00}. This is a total of {$54000.00} of my loans. To continue this income base loan forgiveness, I need to provide 2 recent payment stubs annually. After explaining the payment options, which seemed too good to be true, he sent a document via text. He said I needed to sign and initial the document sent to my phone. I said I needed time to review the document and he said its the standard contract nothing I should worry about. At this point I felt pressured. So he started sending me other texts like his direct line to ensure me its fine. Once I signed the documents, he said I need to provide 2 recent payment stubs by this weekend to fully submit my application. Also, he read a summary and asked me to acknowledge my understanding. I was uneasy when I said yes and very vulnerable thinking I was actually getting help. After I speaking with him, I called back immediately on his direct line to cancel and he said that if I feel uncomfortable that he would walk me through the FASFA website. Luckily, I received another call and had to end the conversation. I have not spoken with XXXX since then and I feel very uncomfortable with the Direct Account Management service. I feel very uneasy. They have all my personal information, including social security #, credit card, home address, name, date of birth, and he created an XXXX account for me. I have a copy of the documents I signed, which seem to be a power of attorney, that I can provide. 

Here is the text he sent with his contact information : It was a pleasure speaking with you today and I am very happy I could help. 
Feel free to respond here on this Texting Only line - or if you wish to call me please Dial my direct line which is XXXX. Do not forget to turn in your POI at your earliest convenience. Take care! XXXX XXXX, XXXX XXXX XXXX. 
Email - XXXX Fax - XXXX
Consumer complaint received 2022-03-18
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. (FL)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) - Permissible purposes of consumer reports ( XXXX ) ( XXXX )
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

Amex Serve prepaid has allowed an unauthorized transaction of {$2300.00} to be debited from my account on XX/XX/2019 from a merchant I have never used before. I saw the police report filled out the proper paperwork and still have not received my provisional credit I have been a customer with them for over 7 years and my VA XXXX and Social Security come here monthly they are not trying to do anything to rectify the situation
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have repeatedly applied for a loan modification from the servicing company.In XXXX of 2021, I was informed that I had been been approved for a modification, but that the appraisal company was unable to contact me to conduct a valuation of the property, so my file was " cancelled ''. I have applied and re-applied since then without success or assistance. I am XXXX  and I feel that the servicer has consistently given me the run-around due to my poor English skills. 
I am submitting this complaint and am will be retaining an attorney as well.