davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP (IL)

Old National Bank took over First Midwest Bank earlier in the month. I have literally spend 2-3 hours on hold. Customer service does not exist. Today 's hold as of now XXXX hour and XXXX minutes! My XXXX account was put on hold. I am unable to pay for my kids housing at college, due tomorrow! All three will now be late and I will be penalized. I went to local branch to resolve, the manager could not??? I have NEVER talked with any customer service person at Old National Bank. It is now approaching XXXX and I see they close at XXXX.
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I sent to Toyota Motor Credit Corp a billing error notice on XX/XX/2022 evidenced by tracking number XXXX XXXX XXXX XXXX XXXX. Toyota Motor Credit Corp never responded to the billing error and 2 complete billing cycles went by and consequently Toyota Motor Credit Corp forfeited the amount indicated in the error. However, Toyota Motor Credit Corp repossessed my vehicle and ultimately violated Federal Consumer Law. Toyota Motor Credit Corp is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice. The act to repossess my vehicle is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition. The act to repossess my vehicle is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Ultimately Toyota Motor Credit Corp has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Hello my name is XXXX XXXX XXXX I contacted your company informed you guys that it was personal information on my report that did not belong to me you told me submit FTC report okay so I have attached that to this complaint I really need you guys to remove this inaccurate information for me thanks These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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 This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Consumer complaint received 2022-07-27
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. (MI)

I sent letters to TransUnion was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXX XXXXXXXX Balance {$73000.00} XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed
Consumer complaint received 2022-07-27
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. (AZ)

in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hello, I was using the MoneyGram service a few times and it was always a huge problem to get money from them.

It takes days, sometimes weeks to get the money.

Even the senders are suffering to get it back. 
The internet and their XXXX page are full of complaints and XXXX is suing them now. 
Here is the article about it https : XXXX? XXXX My parents sent me money from XXXX because I lost my job and can't pay rent. 
It is urgent. 
And they are not giving me money trying every possible way not to give it to me. 
Now they want my not XXXX speaking step-dad to call them from XXXX to fix the problem. 
But problem was created by them. 
I checked this morning about money availability and their webpage said go get it. 
I went. 
And there is a XXXX. 
I have a screenshot of their answer that I've got the money and can get it at any location. 

Because it is not the first time, I checked their XXXX page and it is full of complaints and swearing bout their service. 
They are con-artists indeed. 

Please, help. 

My family is loosing apartment and has to go on the XXXX  with XXXX years old daughter. 
I need my money back. 

Thank you for helping. 

Best. 

XXXX XXXX
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a cashier 's check to my Bank of America account, and noticed a hold was still in place two days later, even though it was a cashier 's check drawn on a reputable XXXX bank- XXXX Bank. I contacted Bank of America customer service and was told the hold could not be released. I escalated my request, and was told the hold could not be released. I was told " a cashier 's check is considered more risky. '' I asked, " more risky than what? It's a check drawn from the funds of a bank. '' The representative said " more risky than a regular check from a checking account. '' Though I explained the nature of a cashier 's check, the representative was unable to do more that repeat her statement. 

In addition, the check was for under {$5000.00} and I have hundreds of thousands on deposit at Bank of America. 

Bank of America is fraudulently claiming these funds are " risky '' so that they can hold the funds and collect interest on them in the interim. I understand risk of fraud, but they know these funds are guaranteed, or certainly have the power to find out two days after a counter deposit. Banking clients should be the ones collecting interest on our own funds- especially when they are clearly guaranteed by a banking institution, not Bank of America. They are hiding behind a veil of policies that are actually a money-making scheme. 

This should be investigated.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (MD)

I am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NC)

I have info on a company that is being swept under the rug. I have searched for info to submit a complaint on the XXXX  website, but after reading the current complaints, I am not the only person going through this plus nothing is being done. This company needs to nationally be called out for it's fraud. I bank with credit karma. I received a direct deposit and they locked my account. No fraud, no nothing. Turns out, I am not the only one that has a complaint on this. They are not a credited XXXX company, which o didn't know. But they are apparently taking people 's money and never giving it back and telling us all that there is no department to contact via phone, only by email. They never return your emails or follow up on why your money is locked. This issue is causing a lot of people to become homeless, jobless, and behind on bills. I will be glad to give you all the info you need to put this company on blast so that we can make them speak and return our funds. PLEASE HELP
Consumer complaint received 2022-11-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I must have had a Wachovia account back when I first began working when I was of age. I then closed my account and moved to XXXX I believe in XXXX and have been with them ever since. 

My wife, my sister and I all in the same day today- XXXX XXXX got phone calls from different numbers with the same message reporting as a woman named XXXX , saying theres a complaint open against me with a case number XXXX. 

I called the number back and spoke with a woman at XXXX extension XXXX and she told me that I can pay {$700.00} in overdraft fees from Wachovia now to avoid legal action which will result in me paying over {$3600.00}.

I find this hard to believe that if this were true I would be all of a sudden contacted XXXX  years later. But I would have paid the amount anyways and not let it get this bad.plus Ive had countless in depth credit reports done for me in the past and if this were true this would have shown up.yet it didnt. 


When I asked the woman for proof of the charges she said that it was mailed to me XXXX  months ago- yet I did not receive anything in the mail. I asked for it to be emailed to me and they said that I would have to pay a notary {$10.00} per document to get it. Which I find odd bc if Im being charged anything I should be given some proof of that.

Anyways she was a little upset I did not pay right away and said good luck.
Consumer complaint received 2024-12-16
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 (CA)

I have made three separate requests to Kia Finance to complete a state title transfer so I can register my vehicle, but they have repeatedly failed to fulfill their responsibilities. 

First Request : Kia Finance sent the title to the wrong address, delaying the process. 
Second Request : Despite assurances, they failed to mail the title altogether. 
Third Request : Again, they failed to send my title as promised.

Over the past 6 to 7 months, I have made more than three dozen phone calls to Kia Finance to resolve this issue. Each time, I have been reassured that my title would be sent to the XXXX and that the matter would be resolved. However, their repeated failure has left me unable to register my vehicle. 

As a result of these delays, I have had to spend over {$1000.00} on temporary permits while waiting for Kia Finance to send the title. On my most recent call, I was told that my title would be overnighted to expedite the process, but shortly afterward, I received an email stating that it would actually take an additional three weeks. 

This situation is unacceptable. I have spent a significant amount of time, money, and effort trying to address this issue, but Kia FinanXXXX has consistently failed to act responsibly or provide meaningful solutions. I have also filed multiple complaints directly with Kia Motors, but nothing has been resolved. 

I am requesting the XXXX XXXX XXXX assistance in resolving this matter and holding Kia Finance accountable for their negligence.
Consumer complaint received 2022-07-27
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. (PA)

XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.
Consumer complaint received 2022-07-27
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: AMERICAN EXPRESS COMPANY (PA)

I applied to an American Express Gold card on XX/XX/2022. As part of the process, I was notified by the website that it would require additional information for income verification. My credit received an expected inquiry for the application. 

I received the XXXX Request form on or before XX/XX/XXXX. I submitted the document on XX/XX/XXXX. After submitting the document, I continued to receive around three more XXXX requests in the mail identical to the original. I submitted another one on XX/XX/XXXX, assuming there was an issue with the first XXXX. I had no contact with the company at this point. 

On XX/XX/XXXX, I received a second hard inquiry on my credit report that was unauthorized. I discovered this on XX/XX/XXXX, and I called the customer support line to get more information. I was told that my original credit inquiry expired, and they automatically ran a second one without my consent. I was further told that the IRS should be returning the transcripts they requested shortly, so they should be able to make a decision soon and to call back in about a month if I did not hear anything. I was annoyed by the second inquiry, but I was willing to accept it if I received the decision I was waiting for. 

On XX/XX/XXXX, I called customer service again after not hearing anything about the application. On the call, I was told that my application was no longer valid due to it being inactive for 6 months and if I wanted to continue the process, I would need to apply again and receive another inquiry to my credit report. Further, I was told that my original XXXX form did not return from the IRS and that I *might* not need another XXXX if I applied again, but there was a possibility of having to submit the form again. 

At this point I requested to have the inquiries removed from my credit report because the application was never processed and it was entirely out of my control. Further, the second inquiry was not approved by me at all. I was told that was not possible and I requested a callback from their floor manager. 

On XX/XX/XXXX, I received the callback from the manager. They apologized for the situation and said that they will remove the inquiries from my credit report. Further, I was told that if the IRS returns the transcript at any point, I would receive a call from American Express to re-pull my credit to process the application. 

As of today, XX/XX/2022, both inquiries are still on my credit report and I have not heard anything from American Express.
Consumer complaint received 2022-07-27
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. The XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # XXXX. 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. 

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!
Consumer complaint received 2022-07-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX 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