davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (NC)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (HI)

I have disputed the late payments on XXXX XXXX  XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (FL)

Attempted to contact XXXX XXXX XXXX, transferred to multiple departments with no resolution. Each department claiming this dispute is not theirs to resolve. Spoke to 3 representatives but none were customer service friendly but instead acted like debt collectors. Overages were not past due. Auto lease turned in early under SCRA. The finance company is prorating milage on monthly basis. This procedure is not mentioned in the lease contract. Contract is vague but at best indicates proration could occur on an annual basis. I leased the car for 7 months and acquired XXXX miles in that time and Toyota is prorating over milage fees on a monthly basis.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXUSC XXXX a ( d ) ( XXXX ) ( A ) ( a ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report are NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to XXXXUSC XXXX A ( d ) ( XXXX ) ( A ) ( I ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, XXXX status and any other derogatory information deleted from my consumer reports effective immediately.
Consumer complaint received 2022-08-16
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: Bread Financial Holdings, Inc. (FL)

Have made several attempts to the 3 credit reporting agencies along with CCB/ XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the CCBXXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/XXXX there were 2 payments of {$310.00} taking out of my checking account from Hyundai Motor finance. On XX/XX/XXXX I called and told them that was a mistake, only one payment was supposed to be taken out and I would like the other one refunded. On XX/XX/XXXX the refund processed and I was told it would take 16 days to get it by check. After waiting a Month, I still never received the check. I called numerous times and everyone in the department kept giving me the run around. One agent told me the checked was mailed out, and then another one told me the check was still being worked on my their processing department. XXXX XXXX I told Hyundai Motor Finance to just apply that refund to my XXXX balance so the month of XXXX will be paid for. Again I was told okay, they cancelled the refund and emailed the processing department so they can apply it to XXXX. As of XX/XX/2020 they still havent applied the refund to my XXXX statement! Theyre trying to tell me I owe them {$170.00} or around that amount. Also no one still can give me an answer on why its taken 2 months and still nothing has been done.
Consumer complaint received 2023-03-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have 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 furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

My father passed away on XX/XX/XXXX. There was no will. I informed his mortgage servicer, XXXX, on or about XX/XX/XXXX. At that time, they requested various documents -- death certificate, etc., which I submitted via the e-mail address they provided me. Nevertheless, the company proceeded to foreclose on the home. I paid {$6400.00} from the estate on or about XX/XX/XXXX, to reinstate the mortgage, and I set up auto-pay to keep the mortgage payments on track. The first automatic payment of {$760.00} occurred on XX/XX/XXXX. Around this time, XXXX informed me by mail that the mortgage was being transferred to PHH. Also around this time, I was informed by mail that the lender placed insurance was cancelled. In correspondence dated XX/XX/XXXX, PHH informed me by mail that it was attempting to collect a {$1100.00} " collection cost. '' This is a bogus charge. I have tried on multiple occasions to speak to customer service. After hold times of 20+ minutes, I give up. I am unable to access the PHH online system and have been unable to get through to technical support due to excessive hold times. On XX/XX/XXXX, I sent an e-mail laying out my concerns to two e-mail addresses that were contained in correspondence. I have received no response. I have accepted an offer to sell the house, and I don't want issues with the mortgage company holding up the sale. Monthly payments continue to be withdrawn from the estate account although the payment amount is now {$730.00} for reasons unknown to me.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (NJ)

I had been working with a XXXX approved Housing Counselor since XX/XX/XXXX, assisting me with my request for mortgage assistance. I was approved for the New Jersey XXXX XXXX XXXX XXXX which provided monthly payment assistance for several months. However due to the severity of my medical condition ( XXXX ), I had fallen behind on my mortgage and loss my job. I was able to obtain gainful employment and requested the Housing Counselor 's assistance with an application to the mortgage company for a loan modification on XX/XX/XXXX. I received a Summons & Complaint from the lender 's attorney in XXXX of XXXX, In which the Servicer is the plaintiff. Due to application documents expiring, an updated application for modification had to be re-generated. An updated submission went out on XX/XX/XXXX. Due to the severity of my medical condition it has delayed the process for me. On XX/XX/XXXX, The XXXX inquired of my son 's income information. In a letter of explanation, I responded that my son is not on my mortgage we only share a bank account. On or about XX/XX/XXXX I received legal notification from the lender 's attorney motioning the court to substitute a new plaintiff. I have not received any communication from The servicer or the new purported Plaintiff indicating there has been a change in servicing or change in investor with regard to my loan. There had been no determination regarding my application request for modification with the servicer. I would ask that the CFPB conduct an investigative inquiry in to this matter for me. Thank you
Consumer complaint received 2020-09-15
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. (CA)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my ident ity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gav e you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (UT)

Charges on account that wasnt correct around {$500.00} dollars and it wasnt me. They said it was me and wouldnt give me my money or replace it. It doesnt even match my spending habits and this also happened to XXXX XXXX XXXX my niece, her aunt XXXX XXXX XXXX They keep charging late fees that I feel forced to pay and it wasnt even my charges. Please help. Thank you for your time. 

XXXX XXXX The bank was Bank Of The West
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RMA Credit Association (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that RMA CREDIT ASSOCIATED has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-06-12
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)

WAS PAID BY INSURANCE COMPANY PROVEN REMOVED ONCE AND PLACE BACK ON MY ACCOUNT REQUEST DOCUMENTS 30 DAYS AGO TO PROVE THAT ACCOUNT WAS MINE CLAIM HAPA LAWS WILL NOT ALLOW DEMAND THEY REMOVE IMMODERATELY
Consumer complaint received 2020-09-16
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: U.S. BANCORP (MN)

I found this negative account on my credit report that I had no recollection on. I found out that this account was opened under my name when I was a minor. I contacted US Bank to dispute this and have them remove the account from my credit report. They haven't looked into my dispute all they responded was they don't know what I'm disputing.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (GA)

I have Sequium them that I do not owe this debt and to not call me any more and they continue to call me several times throughout the day. 

I block the number and they continue to call me from different numbers. 

I want the harassment to cease
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (FL)

I contacted U.S. Bank to payoff my vehicle close to lease end and I submitted all requested documentation on XX/XX/2020 ( documents were overnighted to the Bank ). After multiple calls with the Bank, they stated the account was paid-off on XX/XX/2020 and the title would take about 5 business days to be released and sent to me. Today XX/XX/2020 they are changing the story telling me the title will take another 10-15 days to be processed and sent to me. I clearly stated I was in a time crunch and provided a cashiers check so that the process would move along faster. Additionally, I requested an overnight of the title with my own XXXX  account and none of this helped. 

Every single time I contact the Bank, all representatives have different answers. Completely unacceptable.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under XXXX5 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CO)

I have bought and sold crypto on XXXX for over a year, not large amounts most under 3k at any time. I have never had an issues withdrawing from my account. I sold bitcoin  two days ago and can not get m y money back to my banking account. I have been verified the whole time my account has been open and never had a issue. I have emailed and can not get a clear answer or one that makes sense. I would like to withdraw my money to may bank.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MO)

On XX/XX/2019 we applied for a loan modification with Selene Finance. The document stated that all documents needed to be in by XX/XX/2019. A complete package was in on XX/XX/2019 and was sent to underwriting. On XX/XX/2019 loan modification was denied because a down payment of {$15000.00} was needed. We appealed and on XX/XX/2019 Selene Finance called and said it was approved but no letter would be sent out until the {$15.00}, XXXX was paid. Selene Finance sent a foreclosure letter on XX/XX/2019 and the sale was XX/XX/2019. The sale was postponed until XX/XX/2019. We were in Chapter XXXX and the case was dismissed on XX/XX/2019. The attorney for the buyer of the property wrote a letter stating that the sale was XX/XX/2019. The borrower was given a breach letter on XX/XX/2019 for {$82000.00} and changed the amount to {$110000.00} on the date of the sale. They charged {$24000.00} in interest for 10 days. 
An appeal was filed within the 14 days allowed for a bankruptcy appeal.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/2020, I received the report from XXXX after the investigation in my credit report by Comenity Capital XXXX XXXX during the pandemic, XX/XX/2020, under the care act, that resulted in my favor, however they did not removed that from my credit report. 
I already have an ongoing dispute and investigation with this company though the consumers financial protection # XXXX for the numerous attempts of chartering me late fees and reporting late payments having no problem to get the monthly payment though my bank account that is set up, working and active with them witch have being used with no problem several times. 
I have continuous and several communications with them though phone and secured messaging, witch I documented everything sine they chose to deceit by stating that I didn't do certain thing conduct them self in an absolute unprofessional manner leaving me as a consumer with a sense of possibly not defend and assert my rights.
Consumer complaint received 2019-09-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

Urgent Please help Complaint against Real Time Resolutions On XX/XX/XXXX We received a letter from Real Time Resolutions. 

Back in XXXX we filed Bankruptcy and we thought this loan had been discharges. This company now come out of nowhere to try and collect a debit and threaten me and my family, that Real Time Resolutions may have the right to invoke a foreclosure based on the terms of the security instrument encumbering our property. The Bankruptcy attorney we used is no longer in practice. On the back of the letter Real Time Resolutions sent, it states under " Washington Residents '' ( We Live in California and they have no amount under this state ) we owe an amount of {$130000.00} that is higher than what they have in the front page which is {$83000.00} and it is a lower amount. We are concerned and stressed out since this is our primary residence. Not sure if this company is legit. 

On the question you asked if we tried to fix the problem I answered yes because I reached out to them to see what we can do. I have also requested proof of ownership of our loan and proof of loan purchased from XXXX via email to. 
XXXX XXXX at XXXX or XXXX Phone : ( XXXX ) XXXX fax : ( XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC (NY)

I had a credit card with XXXX a computer I bought for XXXX Unfortunately my hours at work got cut and was not able to pay the credit card. I then received a letter from asset recovery solutions llc. I immediately called because I know collections ruins your credit even more. They told me they were collecting debt for the XXXX credit card, and I set up automatic payments to pay off the debt thinking I would improve my credit by paying what I owed to XXXX. About two weeks later, and after I made my first payment, I received a letter form XXXX saying my debt was a change off and bought by this company. This company was deceptive, and used unfair debt collections efforts. They lied and made me believe I was paying XXXX. Never once they said I my debt form XXXX was charged off and they bought the debt form XXXX. Im only XXXX XXXX XXXX and a XXXX XXXXXXXX. I want to make right by XXXX and this company took advantage of me. If I was told this debt was charged off I wouldve called XXXX  and try to work something with them. All this informations should be disclosed to me. They were not collecting for XXXX  as they lead me to believe. Please help me resolve this issue so they dont further ruin my credit. Thank you