davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

I obtained a credit report for the purpose of taking out a mortgage on XX/XX/XXXX, I was notified that I have two late payments reporting from American Honda Finance in XX/XX/XXXX and XX/XX/XXXX. This surprised me since I set up automatic payments with American Honda Finance. I have tried multiple times to discuss this with them to have this corrected. I have fallen on deaf ears. This greatly impacts my credit worthiness.
Consumer complaint received 2016-03-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MD)

I am a Rushcard holder. I have no idea why. I have bank accounts. I will close my Rushcard account after I get my money. I received a text stating my card had been blocked for suspicious activity and to contact Rushcard. I called them immediately and upon me calling, I started receiving text stating I am being issued a new card and it will be in the mail in 7-10 business days. I began asking what was compromised and a better explanation and the rep is short with me and tells me that it comes from coporate. It has been 7 days, I still do n't have my " new card ''. They did n't even offer me the option to expedite the card! I get paid tonight and will not be able to access my funds. This will be a deposit of over XXXX. I have XXXX children. I work everyday. I called again today and XXXX, the floor supervisor in customer service told me to wait until Monday and at least my money is on the card and I should n't be upset. And if I want to get a lawyer to go ahead. I then called XXXX customer service who told me, someone will call me back in 2 business days! I am very disappointed. I told my family members about the service due to THEM not having a bank account. I should have never opened a card with them. That Fee holiday is XXXX. They should be ashamed. Please someone do something.
Consumer complaint received 2015-10-23
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (CA)

Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to
Consumer complaint received 2023-03-30
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/ Balance : {$1300.00}
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead.
Consumer complaint received 2018-03-15
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: AMERICAN HONDA FINANCE CORP (MS)

ON XX/XX/XXXX, A HARD INQUIRY WAS MADE BY HONDA FINANCIAL SERVICES ON MY CREDIT REPORT. I DID NOT MAKE THIS INQUIRY NOR DID I AUTHORIZE ANYONE ELSE TO MAKE THIS INQUIRY. XXXX XXXX IN XXXX XXXX, MS WAS WHERE THIS INQUIRY TOOK PLACE. I SPOKE WITH GENERAL MANAGER AND THE FINANCE MANAGER AND BOTH AGREED TO HAVE IT IT REMOVED FROM MY CREDIT REPORT. ONE MONTH LATER IT WAS STILL THERE. I CONTACTED BOTH OF THEM AGAIN AND WAS INFORMED THAT ONLY HONDA FINANCIAL SERVICES COULD REMOVE IT, NOT THE DEALERSHIP. THEY GAVE ME A CONTACT NAME AND NUMBER. I CONTACTED SEVERAL DIFFERENT PEOPLE OVER THE NEXT 3 MONTHS. I FINALLY REACHED A MAN WHO SUPPOSEDLY WAS TOP OF THE FOOD CHAIN IN THAT DEPARTMENT. HE SAID HE WOULD TAKE CARE OF IT. I FOUND OUT THROUGH ANOTHER WOMAN IN HIS DEPARTMENT THAT HE DEMANDED HIS NAME AND NUMBER NEVER BE GIVEN OUT AGAIN. HE REFUSED AFTER THAT TO HAVE ANY CONTACT WITH ME. AFTER THAT ANOTHER WOMAN IN HIS DEPARTMENT TOLD ME TO CONTACT THE LEAD HONDA FINANCIAL SERVICES CUSTOMER SERVICE SUPERVISOR. HER NAME IS XXXX. FOR NOW. I SPOKE WITH HER SEVERAL TIMES IN XX/XX/XXXX AND SHE CONTACTED CORPORATE LEGAL IN CALIFORNIA. THEY TOLD HER TO CONTACT EACH ONE OF THE CREDIT BUREAUS AND HAVE IT REMOVED AND IF I HAD FILED A POLICE REPORT ( WHICH I DID XX/XX/XXXX ) TO SUBMIT THAT AS WELL AND THEY GAVE HER THE CODES TO USE SO THAT ALL 3 CREDIT BUREAUS WOULD COOPERATE. SHE DID NOT GET A RESPONSE FROM XXXX ... .THEY SAID THEY WOULD RETURN AFTER THE XXXX HOLIDAYS. XXXX WAS VERY RUDE AND TOLD HER THEY NEED A LETTER, A POLICE REPORT, ETC AND THEY WOULD NOT ACCEPT THE CODE TO REMOVE IT FROM MY REPORT. XXXX WAS UN-COOPERATIVE AS WELL. SHE SAID WE WOULD TRY AGAIN ON MONDAY, XX/XX/XXXX AFTER THE XXXX HOLIDAYS. I CALLED HER THAT MORNING AND STILL AS OF THIS DATE ( XX/XX/XXXX ), I STILL HAVE NOT RECEIVED ANY RESPONSE FOR THE 15 + CALLS I HAVE MADE TO HER. ON XX/XX/XXXX I CONTACTED CORPORATE LEGAL IN XXXX, CALIFORNIA AND SPOKE WITH SEVERAL LEGAL TEAM MEMBERS WHO ADVISED ME TO REACH OUT TO ( XXXX. ) CUSTOMER SERVICE SUPERVISOR AGAIN AND REMIND HER OF HER COMMITMENT TO HELP ME RESOLVE THIS ISSUE. I CALLED AGAIN TODAY, XX/XX/XXXX. I  LEFT A LENGTHLY MESSAGE AND STILL NO RESPONSE. I DO NOT KNOW WHAT ELSE TO DO. 
I DISPUTED THIS HARD INQUIRY WITH ALL 3 CREDIT BUREAUS AND THE LETTER I GOT BACK STATED THE INQUIRY WAS CONSIDERED FACTUAL AND ONLY THE CREDIT PROVIDER COULD REMOVE IT. 
THE GIRL IN THE XXXX XXXX MADE THE INQUIRY ON HER COMPUTER AT HER KIOSK. AT FIRST SHE DENIED IT THEN SHE SAID SHE DID IT AFTER GETTING MY HUSBAND TO GIVE HER MY SS # FOR IDENTIFICATION PURPOSES ONLY. NOT FOR CREDIT INQUIRY OR CREDIT WORTHINESS. I REPEAT I WAS NOT THERE. I HAVE NEVER BEEN THERE AND DID NOT AUTHORIZE THIS INQUIRY NOR DID MY HUSBAND. 
PLEASE HELP ME ... ... ... ... .I WANT HONDA FINANCIAL SERVICES/ AMERICAN HONDA FINANCE OFF MY CREDIT REPORT
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTSTAR MORTGAGE CORPORATION (TX)

Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments
Consumer complaint received 2023-03-30
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Collection Bureau of America Ltd. (LA)

There is not an option to choose for what it is that I am filing this complaint about. I disputed this account twice and and when I called to remove the dispute verbiage on the account telling them I no longer dispueted the information, XXXX and XXXX removed the comments within 3 days, XXXX however, stated that because the company had placed the verbiage on this account that it could take up to 30 days to have this done and they recommended that I call the collection agency and request for them to remove the verbiage from my report. When I called them on XXXX at XXXX Central Standard time, I spoke with a lady named XXXX. I asked her what the procedure was to remove these comments, and she stated that unless I paid the debt, that the comments would remain on my credit until it was paid in full. i know that this is illegal.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

I found my Wells Fargo checking account {$1200.00} ( figure rounded ) overdrawn! After some research, I found that on 3 occasions, my account was overdrawn when a stimulus was deposited, so I was issued a temporary credit. All three were reversed and charged back to my account yesterday along with 3 overdraft charges of {$35.00} each. 
Since I was unaware this happening, not notified in advance and never authorized these credits, is there anything I can do? I spent hours on the phone today with the bank, being transferred 4 times and placed on hold up to an hour at a time, was " accidentally disconnected '' once but told there was nothing I could do each time. This will cause my daughter and I to be evicted and XXXX by the XXXX when rent os due. Do I have any options? 

Thank you,
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

Sent numerous letters, in 2020 to Vance & Hoffman LLC. Stating that I am a victim of identity theft and that they must cease and desist all attempts to communicate with my in any attempt to collect a debt that I have no knowledge of and all are to discontinue from reporting false and misleading information to XXXX and XXXX and any other credit bureau that exist. 

Vance & Hoffman LLC - XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D2 Management LLC (AZ)

I was contacted by phone by a company called D2 Management in, XX/XX/XXXX about a {$980.00} debt that I owed. They stated my wages would be garnished because of the amount of the debt, but, I could stop wage garnishment by paying a {$200.00} settlement amount. They emailed me the Final Notice with IRS CODE 26 U.S.C. 108 : US CODE SECTIO 108. So with in XXXX weeks I paid the settlement of {$200.00} and the company emailed me a settle letter. It wasnt until XX/XX/XXXX, as all of the new internet scams starting happening that I realized, the debt collection notice and phone call I received could have been a scam too. I instantly checked my credit reports from XXXX, XXXX and XXXX. No where did I see the debt amount of {$980.00} from D2 Management or a payment of {$200.00} to D2 Management. So then I called D2 Management and i spoke to XXXX. When I asked him, who the original creditor was, he stated " XXXX XXXX, you already know that infomation. '' He refused to provide me with any information about who I originally incurred the debt with. He did n't even give me a time frame or date.
Consumer complaint received 2023-04-03
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXXXXXX XXXX, XXXX. has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This collection account is also being reported with several different open/closed dates as well as different balances which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXXXXXX XXXX XXXXXXXX. has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (CA)

i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!
Consumer complaint received 2016-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (PA)

This is a parent plus loan. This loan was was opened with XXXX Bank in XX/XX/XXXX. I think I may have converted it from Sallie May to this because I was led to think that I had to. The original amount of this loan was {$18000.00} but I still owe {$18000.00} as of XX/XX/XXXX. I had some difficulty paying through some of the years and I think some months some payments were deferred. I can hardly imagine that I still owe almost as much as the original loan after all these years. I am now retired and this is a great hardship on my wife and I. I hope, some how, there is some relief I can get from this loan.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

I signed up for a " free '' credit report at the Experion website. I was advised that my credit card would be charged {$1.00}. Next thing I saw on my XXXX statement was a charge for {$21.00}. I contacted Experion yesterday, XXXX/XXXX/2015 and was told that I had signed up for credit services from them. I told them to my knowledge I had not and did n't want the services. They agreed to cancel my membership but refused to refund the {$21.00} they charged on my credit card. I called my Bank ( XXXX XXXX XXXX ) and they advised that due to an agreement they have with Experion they were unable to file a dispute for me. I have since researched this on the Internet and it appears that many other people have been taken in by this " scam ''.
Consumer complaint received 2018-03-15
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. (IL)

I have a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

On or about XX/XX/XXXX, XXXX XXXX  handed over processing of the XXXX XXXX credit card to Barclays Bank, where it is now the XXXX XXXX XXXX XXXX XXXX. As part of this transition, payments made to XXXX bank were to be credited to the new Barclay accounts, and new cards were issued. 

My payment of {$2100.00} to XXXX, which was sent electronically on XX/XX/XXXX, was accepted on XX/XX/XXXX and credited to the new Barclays account. You can see this transaction on my Barclays XX/XX/2022 statement listed as - {$2100.00} with the Description of " PAYMENT - THANK YOU LANG*! XXXX ''. However, on XX/XX/XXXX, a transaction of {$2100.00} was posted to the new Barclays account with the Description " / % m ''. Needless to say, I did not authorize this transaction. When I called Barclays about this mysterious transaction, they said that my payment had been returned to me because it occurred after the transition from XXXX to Barclays. However, no payment was ever returned to me through my bank, and to this day I have received no refund. My bank ( XXXX XXXX  XXXX confirmed that the payment was successfully processed electronically and gave me a confirmation number. My XXXX bank statement also confirms this. 

Since the XXXX of XXXX I have called Barclays at least 7 times to attempt to get this resolved. I even contacted XXXX bank ; they were sympathetic and said they had heard about this problem from five other customers just on the day that I was talking to them, but that it was a problem that only Barclays could resolve. I have also sent electronic messages to Barclays through their message center and supplied them with all the information they have requested, including FAXing ( per their instructions ) evidence of the bank statements and confirmation of electronic payment. Still, on my last phone contact with them today ( XX/XX/XXXX ), they seemed to have no idea what was going on, and one customer representative even hung up on me. They also refused to give me a case number or confirmation number on my call, and I refused to hang up until they at least provided me with a call center employee identifier so that I could track the call if needed.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Rhode Island Student Loan Authority (NJ)

While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.