davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/2019, I sent a check to Honda Financial Services in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
Honda has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by Honda Financial cashing the check for the full balance.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.
Consumer complaint received 2021-12-14
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS ONE LATE PAYMENTS REPORTED ON XX/XX/2019 ON MY BANK OF AMERICA ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS IN THE PAST WHICH HAVE AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2019-12-19
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. (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We have a mortgage that was purchased by Mr Cooper mortgage. We have been paying the same monthly payment and escrow for nearly a year and all of a sudden they increase the monthly payments by over {$600.00} a month. I called to see why and was told that they would not talk to me because the mortgage is under my wife 's name. In reality I am legally involved and have access to the account. I had to complain to they on one of their surveys to get a response. They called and apologized but would still not tell me why there was an increase. They sent material by email that was encrypted and could not be opened. I still do not know why they have increased payments so much.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no response.
Consumer complaint received 2019-12-19
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: FORD MOTOR CREDIT CO. (SC)

I found that I was a victim of identity theft after my wife passed away in XXXX. I found that the identity theft I had gone back into the XXXX. I have alone currently with Ford motor credit, I started that loan in XXXX. There were no issues at that time. I want to trade in my vehicle for a XXXX XXXX. Here is where and account was opened in XXXX by a person with the different 1st name different middle name different address different phone number different work information different email address. The police exceptionally cleared me from death of the offender in XXXX when I 1st became aware of that account. Ford has now chosen to be arrogant and wrong full and deny me any type of appeal process because they claim they have internal documents and stuff they found on the Internet that goes against a court finding and the police finding. This is not only wrong it's completely false and it's because of the identity theft that it even exists. They will not talk to me about it they refuse any type of contact they want me to spend money to go to court and hire an attorney when they are simply wrong and they don't want anybody else seeing it. They know their position is weak and they don't have any proof because when I asked for the documents they used to go against the court and the police they told me I had to subpoena it. That is wrong and it is not legal.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (IL)

For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

Since I wasn't able to setup a account for my Mom. I'm sending this complaint through on my own account I have setup through you. 

On XXXX XXXX I had my daughter to go into the XXXX XXXX 's XXXX  to purchase a hot waterheater. Since due to my XXXX I'm not able to move around these stores. The XXXX 's cashier rung mydaughter 's order up where my credit card was used and the cashier forgot to include delivery for this hot water heater to our house. The order was canceled and resubmitted which then included thedelivery charge. XXXX 's never gave a receipt for this purchase and said they needed both receipts dueto their error on how the cashier rung up the order. A extended warranty was added to the order. Afew days later the hot water heater was delivered to our house. After numerous attempts to retrieve areceipt we're unsuccessful. Still when delivery was made no receipt was given. The hot water heaterfrom XXXX 's only lasted for 2 weeks before it quit working. We tried to have XXXX 's to stand behindtheir faulty hot water heater, which was unsuccessful. We even contacted the manufacturer to try tohave them to stand behind their faulty hot water heater, this too was unsuccessful. I had the warrantyfrom XXXX 's plus the warranty from the manufacturer and neither one stood behind anything. Afterexhausting all these attempts I then went back to my credit card company XXXX US Bank ) to try to get mymoney back since both XXXX 's and the manufacturer breached the warranty of this faulty hot waterheater. I wasn't able to be given the opportunity to provide my proof to US Bank. Instead US Bankengaged into a unfair one-sided investigation which only took XXXX 's dishonest fabricated responseand sided only with XXXX 's XXXX If US Bank would have fairly investigated this claim and allowed me toprovide my proof it would've plainly showed where XXXX 's was in the wrong. Each month after USBank unfairly recharged the amounts back to me. I wrote to them disputing this. I also had this written on each of my payment tickets, along with it being written on my checks.
Consumer complaint received 2022-11-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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  Account number XXXX, 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 2022-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NY)

Back in XX/XX/XXXX, I went through a leasing company to help finance my tires for my car. Payments were to come out XXXX, which was happening, except, XXXX  XX/XX/XXXX, they tried to take the payment early due to it being a " holiday '' on the XXXX. Which XX/XX/XXXX is not a Federal holiday and banks are open. But even so I did not approve for my payment to be taken out on a Thur, when mine and my wifes payments are not to taken out of our account on XXXX. That is when the money is guaranteed to be in our account. 
So Acima, Took out the payment on a Thur. and is now trying to charge us late fees and such, I want to do the early buy out which is XXXX with XXXX payments left as per the contract. 
They want to charge me XXXX because of these fees, which is not right due to their negligence that they tried to take the money when I did not authorize money to be taken out on a XXXX XXXX XXXX I made another payment, so my pay off balance should not be XXXX with XXXX payments left.
Consumer complaint received 2017-01-30
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC (OR)

My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-19
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 — Their investigation did not fix an error on your report
Company: AR Resources, Inc. (FL)

XXXX  refuse to remove AR resources inc and XXXX XXXX in trust accountXXXX From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (AZ)

My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate XXXX XXXX and Swiss Colony accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I have a mortgage with XXXX XXXX Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called XXXX and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.