davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP (TN)

I received a letter from Honda Financial regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with HF that they sent the report to XXXX  on XX/XX/XXXX. In the letter attached, it clearly states that HF is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my experian.com account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that XXXX  and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called XXXX  on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that Honda Financial did not send them any information to clear up my records. I went on for 6 1/2 hours going back and forth with HF and XXXX! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with Honda Financial. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to XXXX  today. The agent informed me to reference this number when I called XXXX. Again, once I spoke with the agent from XXXX, he would not accept, confirm or deny the AUD # and continued to direct me to contact Honda Financial to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been treated by this company saying I did bank fraud when I did not. I wrote a letter explaining that I lost my job due to covid and I got an email saying they will contact my new employer and sue me for bank fraud and I never did any type of fraud
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I paid my Citibank the entire balance of my account. I mistakenly over paid the amount due and my account ( which is currently closed ) has a negative balance of XXXX. I have requested to have have the funds returned and the Citibank is holding the return for an unspecified period of time. Citibank had confirmed that funds have been received by them but they still refuse to refund the outstanding balance inspite of repeated attempts to have them wire the funds to my account.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through XXXX XXXX. The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through Transunion to have it removed but they did not remove it.
Consumer complaint received 2020-11-12
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. (MS)

I filed a complaint before getting a response from cfp that the problem was addressed XXXX  transunion and XXXX  are continuing to report wrong address es for iledge debt I sent letter to the address given by the credit agencies and again the letter was returned because it was unable to be delivered because address does not exist. I asked that each credit agent delete this inaccurate information from my reports
Consumer complaint received 2020-08-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (OR)

Have been trying to get Aidvantage to put me on the SAVE plan since early XX/XX/year> ( I was approved on the fedloan.gov end at that point and Aidvantage was supposed to have that updated on their end shortly after ). Every time I have called since then they claim they need to put me on forbearance while they add me to the plan and it would be updated the next month, only to come out of forbearance not in the SAVE plan. This seems intentional at this point since I have been trying to get them to correctly put me on the SAVE plan for the last 6+ months. Getting ahold of Aidvantage to even speak with them is also an ordeal as the wait times often exceed an hour and have been hung up on immediately on multiple occasions.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

See attached. I received a text message about an alleged debt by credit collection services. They gave me the option to stop contacting me and I text stop and they text me again. They are in violation of my consumer rights I want them to cease and desist as pursuant to 15 usc 1692c ( c ). I requesting that pay me {$1000.00} for civil liability due to the fact they are harassing me, they are not adhering with the fdcpa. I never even gave them consent to even contact me. They need to cease and desist and pay me {$1000.00} for violations.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (UT)

Last month ( XX/XX/2022 ) I had requested and paid for a appraisal to cancel my PMI since it is now past the 80 % XXXX requirement. I paid on XX/XX/XXXX, and received a appraisal a week or so later. I called on XX/XX/2022 to see if there was a status update since I had not heard anything back yet and was informed by Arvest that my request had been cancelled by the investor. They also stated that I would need to apply again. I had not been denied and have not even seen any results from my appraisal. They had just flat out cancelled the request without sending me notice or refunding me the funds used to pay for the appraisal. I have a high confidence that my appraisal was going to allow me to cancel my PMI and that Arvest is just delaying as much as possible so that i continue to pay needlessly PMI out of my escrow. I have tried to contact the PMI department at arvest but have been unable to connect. I have requested they call me by both my personal email and by a in-house email from one of their customer service agents and have not heard anything directly from that department. Not that anyone can control where there loan was sold, but if its bought by them I would suggest trying to find other options or being aware that they are frustratingly unhelpful.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

XX/XX/2020 Ally Bank made me an offer of 1 % interest bonus on all deposits in XXXX. I deposited {$10000.00} in XXXX. I called numerous times in XXXX XXXX XXXX and XXXX to verify this promotion, every time I was told my bonus 1 % would be paid by the end of XXXX. I called in XX/XX/2020 and was told they would investigate my account due to many errors with my and other accounts. I received a call on XXXX XXXX and was told that my account was not eligible. I followed all rules of the promotion and did not withdraw the {$10000.00} until the waiting period was over.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I sent out a certified letter to Experian Credit Reporting stating that personal identifiers that they are reporting on my account are incorrect. Along with my letter I submitted half a dozen pieces of proof that the information, such as multiple incorrect addresses and multiple incorrect names, do NOT belong to me. I received a response on XX/XX/2021 via their app that only a phone number had been removed. XX/XX/2021 I sent out a second certified letter asking for the misinformation to be removed with several different pieces of proof that the personal identifiers they are reporting are incorrect. XX/XX/2021 I received a response via their app that my account had been updated, but no misinformation was removed.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ASTA FUNDING INC. (NC)

I am being called by this debt collection company multiple times a day, every day of the week, and early in the morning/late at night. The calls are automated and a partial voicemail is left each time. I do not have any outstanding debt that I have failed to pay. The call is listed as Robo Caller by my cell phone company. I want this company to stop harassing me.
Consumer complaint received 2022-12-14
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. (MI)

My name 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 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. 
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. 
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform  and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices. 
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (VA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
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)

I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the accounts.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

I received a copy of my credit report and there was a collection account from Helvey and Associates. I had never received any communications from this company, so I didn't even realize it was on my credit. 

I sent Helvey and Associates a letter via certified mail on XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX ) which they received XXXX XXXX, 2020. I requested validation of the debt and supporting documents from the original creditor as proof that I am indeed the party they are asking to pay the alleged debts, that they possess documentation and full accounting of the amount the alleged debt that can be presented as evidence, that the debt collector ( Helvey and Associates ) produce documentation from the alleged creditor authorizing them to contact me and pursue collection of the alleged debt, and that they have a license to collect debts in Ohio. 

I also requested : date of last activity on the alleged account, any and all documentation from the " original creditor '', proof of any/all obligations by way of transactions between Helvey and Associates and myself proving evidence of their authority to report, much less attempt, to collect allged debt. 

Helvey and Associates NEVER responded to my request for validation. They continue to report the account to the credit bureaus even though they never validated the debt within the time allowed by law.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (NY)

XX/XX/2020 I purchased a plane ticket and travel protection insurance from XXXX {$270.00} and {$46.00} totaling {$320.00}. Due to a medical emergency I was unable to travel and contacted XXXX to cancel my flight and get a refund for the {$270.00} ticket. They cancelled my flight and refused their obligation to refund my ticket. I tried for several hours to resolve this with the creditor to no success. I then filed a dispute with Keybank prepaid card services by telephone and the agent categorized my dispute incorrectly and in addition to that issue I had moved in XXXX and did not get any requests my mail for further info on my complaint. My claim was subsequently denied. After learning of this error I called and re-opened the complaint and submitted all my supporting documents by mail and fax on XX/XX/2020. I received another denial letter from KeyBank stating that my claim is denied and that no error occurred which is a flat out lie. I don't think my claim was given proper consideration because this decision is so blatantly unfair. I did not receive the services for which I paid in either the travel by airplane or the travel protection insurance and I did not receive a refund for either. If Keybank properly investigated my claim and the evidence I provided I believe they would issue me a refund of {$270.00} for the plane ticket immediately if not in addition to the {$46.00} for the travel protection insurance which I did not receive. I have copies of the original purchase receipt, insurance policy, and charges to the debit card issued by Keybank as well as a doctors note serving as proof that I had no choice but to cancel my trip and am happy to provide that to your agency.
Consumer complaint received 2020-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.