davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (TN)

On XX/XX/XXXX Me and by Boyfriend ( XXXX XXXX ) purchased a car together at XXXX Honda where he is employed. it was a XXXX Honda XXXX  white. On our contract list him as the buyer and me as the Co-buyer. XXXX talks to me about trading in the car and I told him no that he did not have my consent to trade it in. On XX/XX/XXXX XXXX along with his Father XXXX XXXX traded in our XXXX Honda XXXX, without my knowledge or consent at XXXX Honda where he is employed. I went and talked to XXXX XXXX who is the New Car Sales Manager at XXXX Honda, and I explained that XXXX did not have my consent to trade our car in. he told me that I would have to talk to XXXX and that there is nothing that he could do. this is a direct violation of my rights as a Co Buyer for this car and loan. Im asking that action be taken against XXXX Honda to ensure that they never do this to anyone again.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.
Consumer complaint received 2023-09-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (CA)

I previously complained to the CFPB about Kia Finance of America on XX/XX/2023 about the harassing phone calls I was receiving regarding a {$140.00} debt on my lease account. I explained to them the situation several times but still received harassing phone calls daily. On XX/XX/2023 Kia Finance responded to my complaint stating that they would waive the amount of the sales use tax assessed and the two late fees attached to this sales use tax. I am now receiving more calls because they have not credited my account which they said they would apply. I started receiving these calls on XX/XX/2023 where I was called approximately 3 times during the day at XXXX XXXX, XXXX XXXX, and then again at XXXX which I picked up because I was now off work. I spoke to the representative and explained that there should have been a credit for my account and she stated that she did see that on my file and told me to have a great day. I then received another XXXX calls on XX/XX/2023 in regards to the debt starting at XXXX XXXX, again at XXXX, and then again at XXXX which I picked up on my lunch. I spoke to the representative explained the situation and asked them to stop contacting me in regards to this debt because it should be taken care of according to my previous complaint. I then received another XXXX calls today XX/XX/2023 starting at XXXX XXXX and then another at XXXX XXXX. I am at the point where I want to take this legally because it is hindering my job performance with the constant calls and distractions.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I work for the XXXXXXXX XXXX XXXX XXXX was XXXX on XX/XX/XXXX, XXXX.I called XXXX XXXX XXXX ( holder of my mortgage ) asked for a deferral for the XX/XX/XXXX payment. I was told that the investor whom they sold the mortgage denied my request because he doesn't allow any mortgage he holds to have deferments, even for hardship reasons. This seems unfair to consumers like me who had a VA loan which was then sold to a mortgage company, who then sold it to an investor. It is no longer a VA loan and I have no protection from this type of predator lending practice. 

I am seeking your help in this crucial matter for me and my family. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

I attempted to dispute an item on my credit report and XXXX is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, XXXX is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that XXXX is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the credit report.
Consumer complaint received 2021-07-20
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. (MO)

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, XXXX, and equifax and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Consumer complaint received 2018-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OR)

Hello, My loans are currently with XXXX XXXX. In XX/XX/2018 I applied for loan discharge due to a school closure. After submitting my application for this I received a letter ( see attached ) dated XX/XX/2018 stating that I meet the criteria for discharge of my loans and that my request has been forwarded to the U.S. Department of Educations Office and that I would be contacted regarding their decision. 

I proceeded to wait the entire summer without an update regarding this. During this time, I spent countless amounts of time on the phone with various departments with the Department of Education who maintained that XXXX XXXX would make the decision regarding discharge of my loans. Also, during this time, I contacted XXXX XXXX on multiple occasions with this information and they maintained that a decision would need to be made by the Department of Education and to be patient. During this time my loans were in administration forbearance. 

On approximately XX/XX/XXXX I again contact XXXX XXXX by phone. On this date I was informed by the representative that in fact a partial amount of my loans had been approved for discharge. The total amount of discharge was approximately {$8000.00} ( {$5000.00} on one loan and {$3000.00} on another ). Essentially the difference between the original amount and the current principal balance. I maintained this was not correct but she was only stating the difference between the original loan amount and the current principal balance. The representative could not explain this to me but instead only stated a special letter would be sent to be explaining everything and where this discharge amount of approximately {$8000.00} was applied. To date I have yet to receive this special letter. I am asking for assistance regarding this matter. 

Thank you,
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

I was Informed by XXXX XXXX  that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX  XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major  Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.
Consumer complaint received 2019-01-02
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: STERLING JEWELERS, INC. (FL)

Im disappointed that I disputed XXXX  and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NC)

This complaint concerns a high-Interest loan company. I acquired a secured loan with One Main Financial and paid the loan off early. My first loan with One Main was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?
Consumer complaint received 2023-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (AZ)

I was behind on my mortgage due to covid and received assistance from the H.A.F program. They contacted the Midland mortgage company to get the total amount that was late, the amount they gave was {$30000.00}. In XX/XX/2023 the H.A.F program paid that amount also an additional {$930.00} for XXXX so everything will be caught up. My XXXX statement reflected a late fee of {$730.00}. I called the mortgage company and they said it will be updated. The following month it showed the same, so I decided to write a letter to ask if it would be corrected. When I called to follow up they told me it was not showing as late. My statements and credit report is showing they still have me past due, can you please help?
Consumer complaint received 2018-08-16
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. (TX)

This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MS)

We noticed on the morning of XX/XX/2023 that our XXXX clicklist account had been hacked and used to purchase XXXX in groceries from a XXXX in XXXX, TX using the XXXX XXXX XXXX that is backed by US Bank. We contacted XXXX and they said to contact US Bank. I made a call at XXXX filing a fraud complaint with US Bank XXXX After noticing nothing done I followed back up XX/XX/XXXX in which time a temporary removal was done on XX/XX/XXXX. The charge was put back on my account XX/XX/XXXX. I called again on XX/XX/XXXX at which time I was told my fraud claim was denied. Between XX/XX/XXXX to XX/XX/XXXX I called 4 more times asking to speak with a fraud specialist handling my case with no luck. On XX/XX/XXXX i received a call from someone but missed the call. They left me a voicemail with a name and number. I called this number and left a voicemail XXXX times between XX/XX/XXXX to XX/XX/XXXX with not even a return call.
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Since graduating from school in XX/XX/2009, I have made my private student loan payments every month as required. I expected to have a monthly payment. However, the interest that is charged is a complete and unfortunate scam. I have paid nearly {$35000.00} towards interest since taking out loans ( I will add, I was only XXXX years old when I first went to college ). Now that it is nearly 15 years later, I am still struggling in paying off my loans at XXXX years old as a single parent. I have a great career and I work very hard, however there are no options to get my principal balance down and to live a normal life. I regret taking out these loans at age XXXX with little to no understanding of how it would ruin my future along with my child 's future. I make a good living but I can not live a good life. My student loans have ruined my life. Since XX/XX/2009, only about {$7000.00} have been applied towards my principal balance while Sallie May ( Navient ) have gladly taken nearly {$40000.00} in interest because Im liable for making that monthly payment. 

Navient has taken over my future and I would have been better off without an education that is this costly. No one signs up for this type of debt willingly at age XXXX nor could a XXXX year old understand what type of debt they could fall into during repayment after graduation. The daily interest accrual is unjust nor should I have been given loans at such a young age without fully understanding the nightmare I was getting into. I make my payments every month because I understand I borrowed money for my education - HOWEVER - I did not sign up for this interest scam. My principal balance barely changes every month but I keep paying a huge payment because that is my duty as a borrower. Interest should not be a chance to take advantage of consumers but give a consumer a chance to pay off their debt!! 
I don't live a good life because of Sallie Mae ( now Navient ), and neither does my child.
Consumer complaint received 2023-03-26
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. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2023-08-12
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: LendingPoint Holdings LLC (IL)

On XX/XX/2023, I notified LendingPoint, LLC that they made an impermissible inquiry of my XXXX Consumer Credit Report. My XXXX Consumer Credit Report, dated XX/XX/2023, lists a soft credit inquiry by LendingPoint, LLC that I did NOT authorize. 

I am in receipt of LendingPoints response letter dated XX/XX/2023 ( postmarked XX/XX/2023 ). LendingPoints communication is a nonsensical mess. LendingPoint refused to address their impermissible inquiry of my XXXX Consumer Credit Report on XX/XX/2023. Additionally, LendingPoint refused to provide any documentation showing that I authorized their inquiry. Instead, LendingPoint described an alleged investigation that they allegedly conducted regarding information that they allegedly furnished to an unnamed credit reporting agency. 

As stated in my letter dated XX/XX/2023, LendingPoints action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).
Consumer complaint received 2023-03-26
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-20
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. (PA)

A balance increase on one of my cards by XXXX, and Transunion decreases my score 33 points?? 
I've never seen such a thing, they do not mention that I have paid off 3 credit cards, so my score should be the highest being that I just paid over XXXX down This is unfair practice and makes absolutely no sense! 
XXXX  sees an increase of XXXX and shows a decrease of 2 points, and also does not show my payments of over XXXX being made. 
The 33 points for a XXXX increase is not fair or correct. How are people supposed to live with this constant scoring errors?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

on XX/XX/year>XXXX  a letter was sent to XXXX to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.
Consumer complaint received 2021-03-06
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. (TX)

1. ) Account Status : XXXX  is reporting this account as " CLOSED ''. And Experian is reporting this account as " PAID ''.

2. ) Payment Status : XXXX  is providing the credit bureau as " CURRENT ''. While Experian is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and Experian with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX AND EXPERIAN HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Consumer complaint received 2021-07-20
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: The CMI Group, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.