davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Dakota Financial, LLC (TN)

XXXX XXXX XXXX XXXX I purchased equipment with XXXX XXXX XXXX when the seller was speaking to me I asked him how much the interest rate is? He said once you sign a contract with Dakota financial you will get an interest rate. I trusted him but what he was saying was wrong because he need a money. After signed the documents I didnt see an interest rate on the paperwork. I asked him again I dont see any thing on the paperwork he said again you will getting it once you come checking the truck and Dakota financial said first of all you have to come check the truck and the will shows the rate I trust him again. Thereafter I talk to dakota on phone call they said no interest rate on the paperwork we can shows if you agree with your seller. I left them I get back home in XXXX, TN from XXXX, MO. After getting back home I ask the seller to send me the down payment I paid to them he said no they changed their minds you can come back to pick up the truck they will put to interest rate, I ask asked him how much interest rate, he says I dont know they will let you know so now i request for payoff letter to see how much I owe them because I ask them again how much interest rate they told me again they are no interest rate and principal amount on the paperwork truck was {$89000.00} I paid {$23000.00} And monthly payment is {$2900.00} I pay on time But they gave me a payoff letter of {$110000.00}. before this they supposed to finance me {$66000.00} if you ask them where they $ XXXX {$23000.00} for Down payment total is {$160000.00} For the truck cost {$89000.00} and down payment of {$23000.00} What is the mistake i have done to get this penalty of the bank like this, please help me. Truck I bought it was as is I spent a lot of money to fix I work for 1 or 2 weeks and the truck is breaking down so Im so tired because the insurance need me truck as well my familys members Personal bills at home, I am not happy because I am going to stop my business, my job I like because of Dakota financial they told they will take it to the Auction and report me ni the collection but I dont fail to make a payment for my truck it because of them need more money from me I will work for someone else and everything will be okay. 



Thank you for your support
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (MN)

I leased a XXXX XXXX XXXX on XX/XX/XXXX. Lease ended XX/XX/XXXX. I contacted lease company ( Hyundai Capital America d/b/a Hyundai Motor Finance Company ) and obtained the payoff to purchase my vehicle for the residual value established in the lease agreement in XX/XX/XXXX and to pay any charges or fees related to the lease and to complete the purchase. On XX/XX/XXXX, I was instructed by two ( 2 ) representatives of Hyundai Capital America ( Lease termination and purchase division ) to send a certified check, via overnight delivery, in the amount of {$21000.00}. I was told this was the total balance due to payoff vehicle, close account and obtain the title. I did as instructed and sent the certified check along with a cover letter. The certified check was received by Hyundai Capital America on XX/XX/XXXX ( per USPS tracking receipt ) and cashed on XX/XX/XXXX. 

I have called Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to determine the status of my title. Each time I called ( I kept contemporaneous notes of each call ) I was told that the account had not been processed, there was no one I could talk to except for the representative ( different each time ) that answered the generic XXXX number, they would send an email to " another department to expedite the process '', that they would call me back in no more than 5 business days with a response ( no return call ever received ) and deliver my title to me. 

As of today, no title has been received and no explanation has been provided for why they kept the money they told me was due to purchase the vehicle and have not provided the title to me in more than 108 days.
Consumer complaint received 2022-09-23
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. (NY)

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX  XXXX NY XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I purchased a vehicle from XXXX XXXX XXXX. Afterwards i noticed that there were 2 hard inquiries on my credit report. One from the dealer and another one from XXXX XXXX which financed my loan. When I asked the dealership about this they mentioned that the dealer need tk pulll credit for privacy policy. First of all I dont understand why they need to pull credit for privacy policy when they are not lending money and secondly they did not take my proper authorization to pull credit and never mentioned that there would be 2 pulls. They are blatantly stating that I filled application when I explore asked with the salesperson that there wont be any pull and definitely not two. I feel cheated and defrauds and it has impacted my credit. These kind of dealership and there so called finance directions have no idea about lending laws and they are playing around with peoples credit
Consumer complaint received 2019-05-09
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: SUNTRUST BANKS, INC. ()

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX,  XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America Credit Car was used in XXXX, to purchase a ticket. 

I been firing for this fraude, for over a year send Fax of prove that wasn't me, i send a screen shot of a XXXX receive and XXXX XXXX of my day in California the day of the purchase and they just send letter asking me for more information. 

I don't know what to do, is to much money and to much time fighting for this department, i already know all of them because its been a year of talking but i don't believe they could do something real to help me. i really need that money. 

I was never notify from the credit card department that my credit car was used in XXXX in XXXX.
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I have submitted complaint ID XXXX and received a response that Chase did not recognize me as their customer. My concern is that Chase is not exercising ordinary care in honoring checks that are presented to be debited from our accounts or in addressing errors made by Chase when brought to it's attention. I identified 3 instances, two for which I am authorized on the account. I will attach the documentation so that Chase has the account numbers and can verify my authorization. I have already confirmed with Chase subsequent to receiving the closing of complaint ID XXXX that I am authorized to discuss these accounts. The third is my mother 's personal account and she will be submitting a separate complaint for it. 

First error - Chased honored a single check number # XXXX twice and didn't catch it. Copies attached ( checking account number on the check copy. ) Second error - Chase submitted a loan payment to the issuing bank twice. I made 5 loan payments that day - 3 from a XXXX XXXX XXXX operating account and 2 from a Chase operating account. Chase submitted the 3 XXXX XXXX XXXX loan payments twice. When I brought this to Chase 's attention at the branch where I made the payments, I was initially dismissed and was told they could not do anything. I escalated this through our commercial loan contact, but it was mishandled every step of the way and I was never given a satisfactory answer as to why this only happened with my XXXX XXXX XXXXXXXX accounts. They stated it was a duplicate batch error, but if that was the case the Chase accounts should have been debited twice as well. You'll notice that the check number was not submitted to XXXX XXXX  XXXX with the duplicate debit. Copies attached ( Chase loan numbers in the memo section. )
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (MN)

I recently became aware of a delinquent reporting for a credit card I had a long time ago that Wells Fargo just decided to close one day ( payments had always been on time ). 
This report had not shown up on XXXX XXXX, so I was not aware of the issue until I was applying for a mortgage. 

I immediately contacted Wells and was referred to their Attorney. 

Within a few days, the attorney and I concluded an agreement that was signed by Wells Fargo for payment of the account. 

I sent a Cashiers Check for the full amount of the agreement to the Attorney, The Attorney then paid Wells and wrote me a letter stating that the account was now paid. 

However, the credit reporting agency will NOT accept verification from " a third party '' stating the verification of the account payment MUST come from the reporting entity ( Wells Fargo ). 

When I contacted Wells, they refuse to provide any documentation to me. 
They said Wells automatically updates credit reports on a QUARTERLY basis and I would have to wait until that happened. 

I explained that I just need a letter / verification that it has been paid, so I can close on a house by the end of the month ( 9 days until the end of the month ). 

I then talked to the mortgage company -- they of course were surprised at Wells Fargo 's response. 

So I called them again. This time I spoke with a person named XXXX. 

XXXX said they NOT help me but would treat this " just like they do for for everyone else ''. I would need to just wait until Wells Fargo processed things through their system and reported it in a month or so. 

The fact that I stand to lose a considerable amount of money by not closing on time, was of no importance to her. That was JUST TOO BAD. 

She repeated and rudely stated that they NEVER provide letters or documentation. 
She stated there is NO LAW that forces them to do and she was not going to do anything to help. I asked if I could have the credit reporting agency contact her -- and she said NO. they would not talk to anyone or verify it with them. 
Again, I could contact or report it to any body I wanted, but she would not do anything to help and there was no law in the country that could make her do it. 

She repeated that Wells Fargo treats everyone the same and you just have to wait for as long as it takes. 

She agreed that she could see that the payment had been made. And it would be reported within the next few months. Have a nice day.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Regarding ID for Complaint regarding Nationstar Mortgage XXXX ( also and now known as " Mr , Cooper ''!! Complaint Number XXXX. 
Sorry I am a XXXX year old XXXX Veteran and I could not find a way to add to the above referenced complaint!! Also I am NOT a computer Guru and don't have the money I wish I had way back when all this started with nasty old XXXX XXXX XXXX that goes all the way back to 2008 when we had the terrible 2008 Financial Collapse that I understand was caused by the Stock Market and the lenders after the repeal of the Glass-Speagal Act that allowed all these people to enter into securitization of loans and all the resulting corruption, racketeering, and fraud that has continued to this day. 
Anyway I hope you will attached the enclosed ( attached file ) I did not get attached in the initial complaint as I just got a new computer after my old one collapsed and I have had to learn XXXX XXXX!!! UG UG Thank you very much and I sure hofe that the new Director XXXX XXXX will be more fair, understanding and willing to recognize that over 20 million people like me have lost their homes needlessly and actually reach out to help people after all this. Thank you and semper fi.
Consumer complaint received 2019-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC (SC)

I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.
Consumer complaint received 2019-05-26
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. (TX)

I checked my credit report this year and found several accounts and Inquiries that are not mine. my information has been used in a scheme to defraud me and has made me a victim of identity theft. I have tried to contact the credit bureaus but was unsuccessful in removing these items from my credit report. My finances are in jeopardy and my rights have been violated.
Consumer complaint received 2019-05-31
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. (CA)

On XX/XX/2019, I sent a letter and information via certified mail to XXXX, Equifax, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, Equifax, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXX XXXX, Equifax 's, and XXXX 's method of verification and it came back verified again. 

XXXX, Equifax, and XXXX failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, Equifax, and XXXX all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I took a look at my credit report a few months ago and seen XXXX accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.
Consumer complaint received 2022-08-30
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)

XXXX, XXXX, Equifax XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

To whom it may concern Beneficial has sold our loan to XXXX XXXX around 2 years ago. Before finishing up with taking off the deferred interest home loan & side loan. We would get repeated phone calls from Beneficial that we were missing a payment. When we would go to the branch office with proof of payment, They would have no idea why we were contacted because the computer would show us current. We also have many statements that show full payment being made, but minus part of the payment and it showing up in deferred interest. But showing paid in full and never showing or saying that we were delinquent. Just before selling the loan Beneficial told us the deferred interest that we asked about was for 35 missing payments on both loans. When we tried getting information about the missing payments they would just hang up on us. When they finally did talk to us, It was just to tell us the loan was sold and they could not talk to us. We are wanting to refinance. But refuse to pay money we dont owe. {$49000.00} off home loan & {$7700.00} off side loan
Consumer complaint received 2022-08-16
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. (GA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX- {$1200.00} XXXX. XXXX XXXX- {$3400.00} XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX- {$1700.00} XXXX. XXXX XXXX- {$1500.00} XXXX. XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

To whom it may concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of XX/XX/2022 is reporting to be over 30 days late. 

I contacted the company Ally Financial and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.
Consumer complaint received 2021-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC. (TX)

I have contact XXXX Loan company here in XXXX Texas. I told them that I had my identity stolen and someone opened an account in my name. I submitted a report with the police station and contacted the company. At this point I told them that I would just pay it to get it gone from my credit report. Each month they add on {$5.00} and the account is closed and in collections. It is ruining my credit and it's not even mine. My responses were just so that I can get to this page to give explanation.