davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (CA)

I am currently paying over 18 % APR with my car that was purchased from XXXX .The auto loan that they chose for me is Exeter Finance .I have been making payments on time and due to my high APR, I have been trying to pay it off as quick as possible .The first few payment I made over phone calls, I paid sometimes {$1000.00} .sometimes {$2000.00} .My monthly auto payment is {$390.00} something .I told the representative to pay my monthly payment and then put the rest of money towards my principal reduction .The first few times it was done right .And not until recently that I made my payment again and told them to again put the rest of money towards principal, they failed to do that .And I checked my online account, they did not do what I told them to do .The {$1600.00} that I called over the phone to make two payment was supposed to all go to principal, But they did not do it at all .I at least called 5 times to talk to them about fixing this issue and they all told me they will fix it and they would have their manager do it and I would be able to see that on my account reflecting the correction within 24 to 48 hours.But nothing ever happenedThey still did not fix it and I was so upset that I called again asking to talk to the manager .Again, no surprise the manager promised me she would fix it and asked me to come check back in next 2 days .I gave it 6 days and today I checked back my account again, they still did nothing .I was so upset and do not want to trust them ever again because of the worst experience I ever have with customer service I am paying still up to today the interest rate that I was not supposed to pay .They are robbing their customer so that this way they can get more money that they actuallly should not have been making!!! EXTREMELY UPSET WITH THIS COMPANY!!!! WROST FINANCE SERVICE THAT ONE CUSTOMER CAN GET!!!!!!
Consumer complaint received 2021-02-10
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. ()

Im a double citizen ( XXXX and Usa ). 
I live in XXXX since my birth. 
I know i have some account in NY, NJ and maybe in Florida becouse my father open for/whit them. 
My father is disappear and I need to know where exactly I have these accounts. 
Im not able to creat any account in SSA and Experian ( and similar credit score provider ) becouse the online service doesnt permit me to create nothing becouse I dont have any american address. I live in XXXX. I need to get controll and check my credit account. May you please help me? How can I do to get controll on my financial life? Thank you.
Consumer complaint received 2023-01-11
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. (PA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions
Consumer complaint received 2021-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (WI)

My home was put into forbearance due to the covid pandemic and loss of employment. Now the forbearance has ended I have asked for mortgage modification or hardship h.u.d. assistance. However I have been denied these options by the phone operator. She told me I have 2 options to pay the XXXX forbearance amount or a short sale. This is unacceptable, I should not have to file bankruptcy to protect my home.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2021-08-13
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: CAINE & WEINER COMPANY, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX  # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Account was settled for {$570.00} on XX/XX/2020 with XXXX XXXX Solutions for my Kohls/Capital One Account. The collector removed this collection from my credit report as promised however several attempts have been made to get Kohls/Capital One to update my balance. The balance has not been corrected and I have contacted Kohls more than once and disputed with the credit bureaus. Since Kohls stated they do not have the information. I have faxed the form and also requested the Collector to send to Kohls.
Consumer complaint received 2020-07-18
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. (GA)

XXXX and Trans Union, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Consumer complaint received 2021-08-18
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

Ally Financial called on XX/XX/XXXX and XX/XX/XXXX Called me by my name, regarding a family member. This is not my debt and I do not appreciate the harassment. Calling back gets me no answer and I will have to wait for a call to have to request that I am not contacted, which never works. 

I AM NOT THE CONSUMER and it is alarming that they would expect me to offer information about ANY other consumer. Or that my information, including my name, would be hounded down.
Consumer complaint received 2017-09-08
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. (TX)

On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal charge me 2 return ck fees.. the bank transfer {$20.00} to pay my credit card payment with out me authorizing the transfer. My account was short do to this payment. I have money in another account tht could have covered the payment. the bank does not allow for the customer to cover the payment before applying fees. Other banks give a customer 24 hours to put the money in your account to cover a check.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I opened a new store credit card account at Best Buy ( serviced through Citi ) on XXXX XX/XX/2020. I then charged a purchase of {$4000.00} to the card. My intent was to take advantage of a promotion they offered for the first purchase on a new store card and then pay off the balance in full when the bill came, following the appropriate grace period. However, before I even received my credit card in the mail, I received the bill on XXXX XX/XX/2020. The due date on the bill was XXXX XX/XX/2020. I was shocked that they had only given me only 19 days ' notice to pay the bill. I called them on XXXX XX/XX/2020 to see why I was not given at least 21 days ' notice / grace period to pay the bill, and I requested an extension that would give me sufficient time to pay before interest and fees would start accruing. However, they refused to change the due date, asserting that they were in compliance with the law. Upon further digging, I learned that as soon as I made the purchase, they closed the billing cycle on XXXX XX/XX/2020 and then mailed out the bill, expecting me to pay immediately, without sufficient notice. This is clearly an attempt to surprise new customers with large bills and short due dates to force them into a position where they can only make the minimum payment on a large purchase, so they can charge high interest rates in perpetuity. This is predatory lending at its worst.
Consumer complaint received 2022-08-13
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)

On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

In the spring of XXXX I read about the Public Service Loan Forgiveness Program and the possibility of some if not all of my student loan debt relief. I contacted my loan provider at the time ( Department of Education ) and was told that in order to qualify for the Public Service Loan Forgiveness Program I would need to consolidate my loans into a Direct Loan program and change my payment plan. I did this and on XXXX of XXXX all of my loans where consolidated and then managed by XXXX XXXX/Navient. I was told that the payment plan I was in qualified towards this program and all I had to do was make 120 on time payments, which I have been paying for four years. In XXXX of this year ( XXXX ) I submitted the paperwork to the government to see where I stood in the program and at that time the servicing of my loans was transferred to XXXX XXXX XXXX. I just got off the phone with XXXX # XXXX at XXXX and as of today, XXXX XXXX, XXXX, the 50 payments I have made since XXXX XXXX do not count towards the PSLF program because I was not in a qualifying repayment plan. I am very upset by this and feel that I had been taken advantage of by XXXX XXXX/Navient and misled by the information given to me over four years ago.
Consumer complaint received 2022-11-22
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. (TX)

Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2020-04-27
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. (TX)

Was buying a XXXX XXXX XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. XXXX XXXX XXXX Shows a XXXX XXXX XXXX. Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Told to dispute my credit Wrong escrow analysis which caused my mortgage to be late. 
Made over payments for several years Arbitrarily raised my mortgage payment XXXX XXXX told me to dispute my credit report, adjusted mortgage back to original payment.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

Hello, I got an email yesterday from Equifax asking me to enroll in TrustedID XXXX due to the hack into my information. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the XXXX number. When I called, I got a message saying it is not a working number.
Consumer complaint received 2020-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX, I mailed a settlement letter to XXXX XXXX, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from XXXX 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( Experian, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the XXXX account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. TransUnion has honored my request, and therefore I will need to file a complaint against Experian and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received an email from XXXX notifying me that my XXXX card has been closed. I called XXXX and they said the account was closed due to inactivity, and that a letter was sent to me on XX/XX/2018. I had intentions to use the card for any upcoming medical expenses, and thankfully Ive not had any medical expenses throughout these years. I do not believe this is a sufficient way to notify someone that their account will be closed as mail can be lost and/or stolen and I never received an email or phone call from them. Due to the account being closed by XXXX, my credit score is now being affected.
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

I have a Bussiness under my company name XXXX XXXX XXXX, XXXX i advertised my vacation rental apartment through XXXX XXXX Website A guest came and Stayed in my vacation rental and paid to someway Payment by his american express XXXX XXXX card then the guest decided to dispute the charges and Scam me after he checked in, american express processed a dispute in the favor of their Client of course and reversed the payments with home away payments my account which under my name with home away payments are Negative and they are threaten me by collection which will hurt my credit They send an email and called on the phone threatening me by suing and hurting my credit XXXX
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc. (AL)

Franklin collection is reporting collection multiple times days away from each other as if its a new collection.I requested to have this debt validated as I advised them and the credit bureaus that this is not my account and have never had this account.
Consumer complaint received 2021-06-15
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: Affirm Holdings, Inc (CA)

While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned Affirm and I have no idea who they are. I called Affirm. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with XXXX. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! XXXX XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (AZ)

The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report unauthorized inquiries on my credit report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX