davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MA)

Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (AZ)

I was illegally sued by XXXX XXXX XXXX for 2 private student loans in XX/XX/XXXX. I had disputed these loans with the original creditor and XXXX and requested proof of debt owed. I never received anything except a summons for court and notification that I was being sued. I had to hire an attorney to represent me and was bullied into accepting and paying a settlement on loans without proof that I owed the debt. My husband and I were in a rebuilding stage of improving our credit after having to file bankruptcy and losing our home in XX/XX/XXXX and felt we had to pay or risk losing everything again.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA (TX)

My student loan was forgiven as of XX/XX/year>. Mohela stated it would take 90 days to hit my credit bureaus. As of this writing they have not reported. I have emailed them several times to no avail.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I requested from XXXX that they reverse the late fees and interest charges for my credit card payment that was paid in full but slightly late. The late payment was due to issues related to XXXX. I thought that XXXX would be reasonable and work with me to help find a solution but they denied the request with no further consideration.
Consumer complaint received 2020-05-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (NY)

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as American Honda Finance. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and XXXX  respectively. I have had an impeccable payment history with American Honda Finance since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with American Honda Finance XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. American Honda Finance can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, American Honda Finance has  applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American Honda Finance company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that American Honda Finance issue a policy change to the American public  through the CFPB.
Consumer complaint received 2020-04-28
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. EXPERIAN & XXXX  HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX  INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! EXPERIAN AND XXXX  NEED TO FOLLOW SUIT!!!!
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (CT)

There was not a accurate selection for me to pick on my complaint. Reason for my complaint is for harassments being aloud by consumer portfolio financial. I have had this company with mine and my sons car loan for a little over a year now. my son was starting off with no credit, I didn't have bad credit, but used up all credit I had. which led us into no choice from what we were told to accept this loan for one year the to refinance. Well what they are really doing to people. Not knowing we were going to go into a pandemic and stress and financial struggle, we have still made all payments on time, or should I say within the 30 day mark at least the past couple months due to some temporary hardship due to the pandemic. well people like us can not refinance after raising credit score because they added to much to our loans> Never marked late payment on credit report> I always make sure. which means I'm not behind. I assume right. 
Well to this date i am only four days behind, ok. this company will call your phone everyday if you are a day past due by one day and everyday on. if you are 2 weeks behind but not 30 days behind they will call all your references everyday there forward. ok well today I received a phone call call from my sons father XXXX XXXX XXXX stating him and his wife both received phone calls separately from a very disrespectful demanding information on my son XXXX XXXX and myself XXXX XXXX. Now here 's the thing. due to very various and personal reasons my son has not spoken to his father in years nor talks to his wife at all. myself only keeps things minimal in the past year but absolutely no contact with wife. Which means there was absolutely none of there names nor contact information written on my contract at all, nor did any of our references had any way to have contact information on them to give due to legal reasons and when I say there is absolutely no way they were giving information on him or his wife through my references> absolutely impossibly ... 

with this said I have asked for a copy of contract today and will be looking into everything and seeing how these financial company 's are bein aloud to get away with extra fees and harassment 's calls and etc. specially on people who are trying to make a start or a new start> that shouldn't be a trap and made for people to fail. the pain and stress people are going through, terrible. 





XX/XX/2020 p.s. as of today XXXX is paid and XXXX bill is 4 days past due
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (PA)

I leased a vehicle through US Bank. The lease ended in XXXX of XXXX and I opted to purchase the vehicle from US Bank. On XX/XX/XXXX, I sent US Bank a cashier 's check for the full {$22000.00} purchase price of the vehicle that I was quoted. {$1200.00} of the full {$22000.00} purchase price was listed in my itemized quote as the sales tax collected by US Bank for the sale of the vehicle. Approximately two weeks after I mailed the full payment check, US Bank mailed me the documents necessary to transfer the title of the vehicle. Included in the documentation I received was a cashier 's check from US Bank in the amount of {$1200.00} to be used to make the sales tax payment during the title transfer. While transferring the title at the XXXX XXXX XXXX on XX/XX/XXXX, I was informed that the {$1200.00} check from US Bank was made out to the wrong entity and could not be used as payment for the applicable sales tax for the title transfer. At this point I paid for the sales tax on my credit card, completed the title transfer transaction, and destroyed the now useless check from US Bank. I have called US Bank customer service several times over the past 8 weeks to request reimbursement for the {$1200.00} sales tax, but I have been completely ignored after each call. I keep getting told to call back in a few days to check on the status of the check issuance, but no action by US Bank is actually taking place. I've been consistently assured that status updates will be provided, but no status updates have been provided by US Bank. I've paid the sale tax for my vehicle twice over at this point due to US Bank 's cashier 's check error. I am turning to the CFPB to help me escalate this issue with US Bank so that I may finally receive my long overdue reimbursement.
Consumer complaint received 2020-11-28
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. (GA)

On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.
Consumer complaint received 2020-04-28
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. (TX)

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Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

Our identity was stolen and used to open an experian.com XXXX account with a fraudulent XXXX account opened apparently in our name. We noticed unusual activity on our bank with XXXX and filed a police report. Doing our due diligence we went on to experian.com to file dispute and put a credit freeze. When signing up it showed we had an existing account with an email we did not recognize. We immediately called Experian to report the fraud and the account that was stolen to utilize our credit report. Experian has not helped us gain back access to this account and we have tried numerous times to explain they opened our credit report to thieves and they have changed our address and email to only their information. They used a stolen checking account with XXXX to open this account. Experian will not do anything to prevent the thieves from gaining access to our information and only will send our credit report to the email and address on file which is obviously the criminals. We can not go on to find out what is on our report with Experian nor can we dispute the inquires or fraudulent accounts being opened. The account was opened XX/XX/2023 and we did not get any notification that fraud was happening until XX/XX/2023. We have filed with the police and FTC when we asked Experian for a phone number that law enforcement could contact them to investigate we were given the general membership number we also asked for an email to file a complaint and they refused to give us one. Experian has exposed us to more fraud and are failing to provide us protection from their own mistake and liability.
Consumer complaint received 2021-10-14
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. (TX)

So I saw an ad that they could lower my interest rate. Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another XXXX XXXX. I try calling XXXX XXXX  and they say to call the banks and then the banks say to call XXXX XXXX. Then XXXX XXXX said to call Transunion. Transunion said to call XXXX XXXX and I explained to them I have and they advised I call you guys. 

This the second complaint, the last one had expired. But I did try and call again and nothing. 
Left a voicemail to the lady that had responded to the complaint, but I dont really think itll go very far based off past experiences.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Credit Corporation (PA)

On XX/XX/2020 @ XXXXXX/XX/XXXXeastern time. I have made my 3rd attempt to contact AVANT Credit card customer service to be sent a final bill so I can pay the account in full. I was told for the 3rd time that they would submit a ticket and see what they can do. I was told that it could take up to 14 calendar days for a response. I have gone through this 3 times and have not received anything from them. In the mean time the late fees and interest continue to add up. They also continue to report to all 3 credit bureaus and now again my credit score has dropped another 30 points. All I wanted was the bill to make the payment. I have just returned to work after being off for 13 weeks I am struggling like many other people during the pandemic. I am trying to do the right thing and just pay my bills. After months of trying to settle this account I have come to a point I don't know what way to go. Is there anything you can do to help me resolve this matter. They are going to continue to destroy my credit with their late payments and charge off. All I want is the Bill to pay them. I don't think what they are doing should be legal. They are avoiding the final bill to accumulate late fees and interest no matter the amount when it is done to thousands of people it adds up. Thank You.
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NY)

From XXXX 2020 Money Lion took {$1000.00} from my checking account in {$200.00} transactions, 5 total. I would later discover a criminal used my identity to establish a Money Lion account in my name and withdraw the funds. Once I discovered this, I let my bank know and have been calling and emailing Money Lion with XXXX help in return from ML- I expect to be refunded as they allowed their service to be used for fraudulent activity and such an ineffective system to resolve account disputes. A company valued at a XXXX dollars that touts itself as a " Mobile Bank '' should be ashamed of such poor service. Most of my phone calls to ML are answered by overseas call farms that can barely speak XXXX or assist me much at all aside from assuring me I'll be contacted by the fraud department.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My student loans are through MOHELA, I am in the XXXX program. Back in XXXX I received a letter from MOHELA stating that I needed to recertify my income or else my monthly payment would increase. According to the CARES Act ( XXXX XXXX XXXXXXXX ) if my recertifacation date is before XX/XX/year> then it will be pushed out 1 year. MOHELA says that is not the case and that my payment will increase to over {$2000.00} per month unless I recertify before XXXX. I have called several times and no one will assist me or show me that actual law where this is being stated.
Consumer complaint received 2021-10-14
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. (FL)

I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Nearly 70 days ago I sent a letter identifying numerous inaccurate accounts being reported on my credit report. I asked for help in the matter and the bureau repsonded with false accustaions in an attempt to stall this process. It is clear i am being ignored and that they are taking advantage of me and the current time we are in. I have not hired a credit repair company because i dont need to. If my report is wrong than it is wrong. I dont need a credit repair company or anyone else to tell me that. I have eyes and i can read. I am demanding these items be removed. Its effecting my livelyhood. Under FCRA these accounts must be deleted.