davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

We purchased a vehicle and financed in XXXX, XX/XX/XXXX, in XX/XX/XXXX we moved to XXXX. 

We contacted XXXX in XX/XX/XXXX to change the address and request the title be transferred to XXXX so we could register and get the license plates on the vehicle. We followed the instructions as required. We were asked to wait XXXX to XXXX weeks for the process to be completed. 

We followed up in XXXX weeks and we were told there was a problem with the names on the title ( spelling ) and the XXXX  dealership had been contacted to request a replacement title. 

Called back a week later, told it was resolved and XXXX title would be processed by end of week. Requested to call back if no update in a week. 

Called back, told that the title could not be processed because name was wrong on title. There was a space in the middle of my wifes middle name I called the dealership in XXXX  and they check the State of XXXX system and was told the title was perfect. 

Called XXXX back and filed a corporate complaint. Was assigned a Customer Agent. First call was great. Took all the information and promised a resolution. She called back a week later and told us the problem was both my name and my wifes name was on the title. One had to be removed. Silliest thing Ive ever heard. 

She said this would resolve the issue. Wait a week and it would be taken care of So waited a week. Now we call and leave messages ( 4 times over a week ) and no return calls. 

We need help as we are soon not going to be able to drive the vehicle as its registration will be expired.
Consumer complaint received 2020-09-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-01
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: JPMORGAN CHASE & CO. (FL)

In XXXX  I did a deed a lieu. My first and second had to go together and be treated as one! 
This was all due to the banks falling apart in XXXX Washington Mutual was the original, Chase took it over. I did a loan government modification in XXXX and Chase took over XXXX & XXXX. A few years later I had to stop paying the first but I paid the second. XXXX loan management took the first and Chase kept the second! In XXXX XXXX had me sign a lien release for Chase and XXXX took the house and forgave my dept., Chase was not included in this and I was under the assumption it was because the loan 's went together. In XXXX I modified it they locked it and I could not borrow against it only pay it off. I thought this was all settled in XXXX when I turned the house back and then during covid and in a state of emergency they contacted me in XXXX and told me I owed them the balance due to the fact it was charged off and not discharged. Please note they were not allowed to contact me during covid and they did. They wanted a settlement, I told them we are on lock down and I this was not right. They now have put this on my credit report and I hired a lawyer to help me with no luck. My bank told me to file this complaint because now I am not able to get a new mortgage for a home in XXXX. I have all the paperwork but the original sign off in which I asked for several times and they will not send it to me, XXXX. My house was in XXXX I have more documents as well but it would not let me upload it all. I was told that this is all illegal practices, note that they crossed out the discharge and wrote release.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely Experian, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ALLIANT CREDIT UNION (FL)

On or about XX/XX/ applied for a personal loan from the business. On, XX/XX/, XXXX XXXX at the business stated my XXXX credit report file size is to large and if XXXX could be pulled. As a note, an inquiry from this business shows that they pulled XXXX on or about XX/XX/. On XXXX XXXX XXXX, I notified the named individual at the business via email on the portal that XXXX can be pulled. She replied back that she would let underwriting know. Ten days later nothing has been processed.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2022-01-11
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. (TX)

I have contacted Equifax many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information.
Consumer complaint received 2020-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from Transunion and XXXX. I  am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both Transunion and XXXX, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called XXXX but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as Transunion concern they are worst than XXXX and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (NV)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/2022
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fay Servicing, LLC (NC)

My husband and I separated for about one year when we were living in XXXX. I am not sure what year but somewhere XXXX. He moved to XXXX and bought a duplex. He lived on one side and rented the other out. When we got back together he rented both sides out. My husband filed for bankruptcy XXXX. I did not file. The apartment in XXXX was on XXXX XXXX. I dont know the address but it went under foreclosure. My husband just passed away in XXXX. Now that Im getting ready to buy a house, the finance company ran my credit report. To my surprise I was listed to have that foreclosure in my name. So I called you, and I was told to contact Fay Servicing. Which I did and the lady told me to contact you. I told her I already did. Next she told to use email to file a dispute. I did that XX/XX/XXXX. The email I got back said Id hear from them in XXXX hours. So on Tuesday XX/XX/XXXX, I called back. The woman said give till the XXXX because of the holiday they were behind. They just sent an email today on XX/XX/XXXX. The email was a joke! It asked me to send a copy of what I was trying to dispute ( which I already did ) and told me again that I should send you a letter about the dispute. I contacted XXXX XXXX NC of register of deeds and was able to make a copy of it. My name is not on it. Please help me take care of this matter.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND TRANSUNION CREDIT reports as well late payments reported in XXXX, XXXX AND TRANSUNION CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MN)

The company is claiming that i have a charter communication debt that was opened in XXXX XXXX the debt doesn't belong to me. I want proof of signature for the contract with my legal name XXXX XXXX   XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo I have a inherited IRA. I want to transfer it to XXXX. Wells Fargo requires a bank statement along with the form from XXXX in order to permit the transfer. However, Wells Fargo only will create a statement in XXXX and XXXX. There are no other remedies, they wont make me a statement even for this purpose.
Consumer complaint received 2020-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (GA)

During the month of XX/XX/2020 I was made aware of an attempt to collect a debt on my credit report. American Honda Finance XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. his was falsely placed on my credit file over 3 years ago and was successfully removed once already. The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with Honda Finance therefore there is no change to account #, or amount of debt because I've never had any business with Honda and this has been taken care of once already. This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.
Consumer complaint received 2020-09-04
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)

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2021-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

Loan depot allowed XXXX XXXX who lives at ( not the mortgage in question ) XXXX XXXX XXXX XXXX XXXX IL XXXX to fraudulently obtain a mortgage using ppp funds that she obtained using false documents and even if she didn't obtain the ppp fraudulently it is against PPP rules to purchase real estate with a ppp loan this is fraud. This info was relayed to loan depot and they chose to ignore it making them complicit.
Consumer complaint received 2020-08-28
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. (NJ)

On XX/XX/2020 I wrote a letter certified mail # to XXXX  ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (TN)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IL)

OneVanilla VISA prepaid gift card Fraud Case # XXXX What you have put me through today is beyond unacceptable business practice. This is a felony case and I will pursue this to the fullest extent of the law. I will file complaints with XXXX and FTC. Furthermore, I have absolutely no trust in sending you my passport so you will accept the drivers license provided in attachments. 
As directed by supervisor XXXX ID # XXXX attached you will find the following documents ; XXXX ( store # XXXX XXXX XXXX XXXX, XXXX, ILLINOIS ) receipt of the fraudulently sold previously activated OneVanilla prepaid Visa gift card purchase date today XX/XX/2021 time stamp XXXX Front & back pictures of the USED VISA card Front & back pictures of the package ( which was completely sealed ) My Illinois Drivers license picture ID with proof of address screenshots from OneVanilla.com proof of the VISA card ending XXXX was previously activated on XX/XX/2021 and a purchase from XXXX XXXX XXXX of {$190.00} dated XX/XX/2021 leaving a balance of {$1.00} on the card I just paid {$100.00} cash for
Consumer complaint received 2022-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NJ)

Fed Loan Servicing received documentation on XX/XX/22 for XXXX application employment qualification. Fed Loan Servicing responded with incomplete answer and did not review the material properly. This same employer has been qualified in prior attempts. Employer directly reached out to Fed Loan Servicing on XX/XX/22. They stated that there we " working on it. '' This same exact process ensued last year and required CFPB intervention for the matter to reach resolution. Their delays have had significant financial implications.
Consumer complaint received 2021-05-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (FL)

I obtained my XXXX XXXX in XX/XX/2019. At the time, I requested a lease ( I have leased countless vehicles over time, including XXXX prior BMWs ). I was provided a " lease agreement '', which the dealership referred to as BMW Owner 's Choice. I was told that this is how you lease a vehicle in Georgia. I didn't think twice. 2.5 years later I went to register the vehicle in another state. That state would not register the vehicle due to the conflict between ( i ) my name being on the title and XXXX ii XXXX the lease structure of the financing agreement. Even if they could register the vehicle, it would have required a full tax payment on the leased vehicle despite only 6 months less on the lease ( since my name was on the title ). Apparently BMW temporarily ( it no longer exists in Georgia ) created this structure to circumvent leasing laws in Georgia, yet neither BMW Financial Services nor Global Imports BMW provided NO DISCLOSURES around the implications of this, including the challenges with registering the vehicle in another state. I am now stuck in a situation where I am unable to register the vehicle. I spent hours on the phone with BMW Financial Services and with Global Imports BMW, even requesting that I turn the vehicle back in early and make the full payments through the balance of the lease term, since I can not be in a possession of an unregistered vehicle. Both entities neglected to get back to me on many occasions, due to their unfamiliarity with the financing structure they put in place that no longer existed. I have now run into a dead end.