davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 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 US DEPARTMENT OF EDU XXXX XXXX
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2015-03-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Greetings, On XX/XX/XXXX, I made a payment of {$570.00} to Hyundai Finance for my XXXX XXXX XXXX. On XX/XX/XXXX, I leased a new XXXX with XXXX Hyundai. They informed then that I shouldn't have made the last payment, and that my lease had been paid off via the new lease agreement. They said that It would take a month or so before I'd see a refund, and to contact Hyundai Finance if it didn't show up in a reasonable amount of time. 

After not receiving any refund checks in the mail, I finally contacted Hyundai Finance on XX/XX/XXXX. They apologized for the long delay and said that they would have the check sent to me via XXXX  in XXXX business days. It never came, so today XX/XX/XXXX, I reached out to them again, and they said that they were going to escalate and open a case, and that I was going to have to wait another XXXX days for someone from their management team to reach out to me. This is absolutely ridiculous and very unacceptable.
Consumer complaint received 2022-07-20
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. (NC)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-08-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, Transunion, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, TransUnion ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, TransUnion closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
Consumer complaint received 2019-02-21
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. (PA)

I was erroneously charged lease termination fees for a lease that was rejected in an approved modified chapter XXXX XXXX plan. XXXX and XXXX removed the collection from my account ; however, Equifax refuses to remove the erroneous information.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Affiliated Acceptance Corporation (TX)

Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.
Consumer complaint received 2024-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: DISCOVER BANK (OH)

I am writing to request assistance with my current loan bill numbers with Discover loans - XXXX and XXXX XXXX XXXX - XXXX. The current arrangements on payment amount are higher than what I can currently pay. Unfortunately, I was scammed {$250000.00}, and the FBI is currently investigating the incident as a fraud case. I have attached the necessary documentation to support this claim, and you can reach out to the FBI agent in the letter attached to verify. 

Due to unforeseen work reduction, I can no longer pay the amount requested. This is solely due to the reduction in wages and the effect of the scam on my finances. The current economic situation and inflation are only exaggerating this condition. 

I have the followings requests for the duration of the FBI investigation : a reduction in my monthly payment, a lower interest rate and assistance toward monthly payment. I do not want to stop sending payments. 

However, I have XXXX  parents and XXXX  children who are solely my responsibility as a single parent. The cost of living has created a negative drain on financial resources not present during the original payment calculations of these loans. 

I look forward to your assistance in reducing such a high payment amount that does not match a reasonable payment total.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO. (CA)

I leased a XXXX XXXX XXXX. In XXXX, I was attacked at work and caught XXXX caught in addition to the attack. I became XXXX and required XXXX XXXX. I am still recuperating. 
XXXX offered me XXXX forbearance for 3 months in XXXX. I accepted. This extended the lease by three months. I have paid the payments faithfully. 
When the lease expired, I explained to XXXX that I could not sign a one year additional lease because I was unsure of the disposition of my XXXX case. I agreed on four months. But when they sent the paperwork, it was a one year lease. 
XXXX says I signed a other lease but I did not. It was not as we agreed. 
My payments are current but this morning they towed my truck to an impound yard 40 miles away. They gave me no notice. 
I had to keep large items in the truck such as cases of my dog 's food. When I needed things, I would get help to bring it into the house. 
My son was XXXX  in XXXX. There were sentimental items I kept in the truck because I used them at his memorials. 
I was in the XXXX  XXXX XXXX from XXXX with a XXXX of XXXX. 
My daughter is XXXX with XXXX right now. She can't help me. 
I was struggling to make the {$420.00} payment with insurance on top of that but the payments are current. I rarely drove the truck due to my XXXX. I was hoping someday to be well enough to visit friends and family again. 
I feel XXXX was very unfair to consider my XXXX XXXX as 3 missed payments a year after the plan terminated. I am unable to get my personal property at this time as they took it so far away. I believe XXXX violated their commitment to the Forbarence plan and disrespected me as a XXXX person. 
I've sacrificed to keep my credit in decent shape during this disaster and I'm afraid XXXX will put a repossession on my record. 
Thank you
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was charged {$62.00} for a recurring payment, which I had called the company and told them to cancel my service Since I did not have that much in the account I was charged {$34.00} by the bank. I noticed that the charge had been attempted 3 times, it was on the third time that they had paid it and applied the fee. If there wasn't enough money in the account why did they go ahead and pay the charge? Then charge me a fee? They did it again on XX/XX/XXXX for a charge of {$5.00}. And again on XX/XX/XXXX. They did not pay the {$5.00} charge but charged me {$68.00} for {$5.00}! Then they went into my other XXXX accounts and took out {$20.00} from my savings account on XX/XX/XXXX and {$140.00} from my Liquid account on XX/XX/XXXX to cover their fees. I called twice to get this resolved and was hung up on. I did find out that when I opened the other accounts I agreed to have money recovered out of my other accounts, NO I did not! If I had known that I would have closed them all. And now I was charged another {$34.00} fee for a {$10.00} charge on XX/XX/XXXX. So my account is now - {$43.00}!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S. Dept. Of Education. 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 a account without my written instructions
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I contacted XXXX  and told them my address is XXXX XXXX XXXX XXXX XXXX SC XXXX and my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX yet they told my 47 companies are reporting my address and XXXX XXXX XXXX XXXX which is across the street and these companies send mail to XXXX XXXX XXXX XXXX not XXXX XXXX XXXX and I have never address anything XXXX XXXX XXXX XXXX Need help correcting this. One the company One main is reporting me with a repo and charge off when the car was total in XXXX of 2018 it was not my fault XXXX XXXX did not pay car off until XXXX or XXXX and then they charge it off in XXXX and sent me a bill in XXXX for balance how backward is that. I would like for it to be corrected because it cant be both totaled and repo/charged off
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (PA)

I check my credit monthly on creditkarma.com just to make sure nothing unusual pops up. When I saw a debt for comcast I disputed it. Over the last XXXX weeks I 've been trying to contact Enhanced Recovery to verify the debt and show proof of return to XXXX. However if you get in contact with someone they immediately hang up. Also they have a pre-recorded message that just loops and eventually hangs up.
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Green Square Company LLC. (UT)

I have been contacted by a company that goes by the name of Premier Recovery Group. They are stating that I owe money to an online loan company that wired money into my account in XXXX of XXXX. I told them that I 've only taken out a loan from an online company once and it was in XXXX and I paid the company back in full. I told them that I would look through my bank statements. I went through my bank statements and only had deposits from the company that I worked for. I called the company back to verify the bank account and then told them that there was never a wire into my account. They said that money was wired to my account and asked how i wanted to settle. I told them that there is nothing to settle other than the fact that I never received a loan at that time and that I was happy to send them my statements. The person gave me a fax number that was disconnected. I called back to ask why I received a disconnected number and to ask for their agencies license number. The person told me I was given the wrong fax number and that he did n't have the license number and was n't where aware there was one. I asked him to transfer to someone that could give me that information. The person over operations said she was not able to give that information and that it was private. I told her that is all I needed to know. I checked the second fax number it is also disconnected. This company is a fraud.
Consumer complaint received 2022-02-03
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. (PA)

Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the XXXX XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at Transunion and XXXX XXXX, Vice President, Consumer Protection, XXXX, XXXX XXXX, Chief Customer Officer, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.
Consumer complaint received 2015-08-23
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VA)

For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.