davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX  XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX  XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc. (TX)

This medical bill debt {$5900.00} dated XX/XX/XXXX from a collection agency call Ray Klein Inc. dba Professional Credit Services was/is not mine but was a data entry mistake at the hospital. When first contacted via phone calls they kept talking about a medical bill that I had Insurance for and was already paid. But they would never send me any information on it as they said they would and hadn't heard from them again. So I thought they had found my insurance paper work. My current employer then got a writ of garnishment for {$13000.00} years later in XXXX stating that I was served at an old employer which is false and does not match my identity at all. The woman who was served was a XXXX '' XXXX XXXX year old with XXXX hair and I am a XXXX '' XXXX woman with XXXX and i still won't be XXXX till XXXX. So I went to the hospital to gather the medical bill in question and found that it was a bill in my name with incorrect and/or old information for services that I had not had with medical conditions I don't have and not the bill they were talking about before ( which they read back to me ) I had also obtained a lawyer to fight this in court as they wouldn't accept the evidence that I provided and after some time they sent a release of writ of garnishment stating to refund monies collected during garnishment after they received an email from my lawyer. So I thought they had finally cleared this mess up especially since it had been past the 6 year & 10 year statue of limitation. Then I got a call a month ago trying to collect on the debt again and I forwarded the info from the case and that should have been the end of it but no. My employer received a new writ of garnishment on Friday.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off my lease on XX/XX/2023 with Hyundai Capital. 

I received a paid in full letter on XX/XX/2023. I received the title and bill of sale on XX/XX/2023. 

On XX/XX/2023 I received a notice that my account is 10 days past due, and there is a threat to notify my credit bureau in 30 days that I have missed a payment. The account reflects as closed on XX/XX/2023. 

I am concerned Hyundai Capital has not updated their systems after being fined by the CFPB and these incorrect credit reporting actions continue : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-hyundai-to-pay-19-million-for-widespread-credit-reporting-failures/ Please help.
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My mortgage was purchased by Lakeview loan servicing shortly after my purchase of the home in XXXX of XXXX. On XX/XX/XXXX I received a letter informing me that my homeowners insurance policy was expired and that on the XXXX they would purchase a policy on my behalf at a {$1900.00} premium instead of my {$620.00} current policy. After contacting progressive I learned that the policy had been cancelled due to non-payment. XXXX informed me that they did not have Lakeview as the mortgage holder. XXXX also informed me that I was no longer eligible for a " rewrite or reinstatement ' due to their new policy of not taking on new " non-bundled business ''. I then called Lakeview to speak with them and was informed again that until I provide proof of coverage I would have to pay the {$1900.00} premium. Hours of phone calls and being transferred and hung up on multiple times, missing a day of work, Lakeview and XXXX continue to point fingers at each other while assuring me that I was not at fault but without accepting accountability. As a homeowner that pays the mortgage on time every month I have been failed and brushed aside. I appreciate that there is an avenue for me to voice my concerns. Thank you
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX an account XXXX XXXX XXXX was opened fraudulently in my name without my consent.I did not give authorization to furnish my information for this account. 

On XX/XX/XXXX a hard inquiry for XXXX XXXX XXXX  was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX  XXXX XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I had credit card fraud, for {$68.00}, I called cardholder services reliacard # asap. I was on hold for an hour. Finally spoke with someone, however, everytime I got a rep on phone, I was either hung up on by accident or disconnected. 5 hours on hold everytime I call! If course, they cant call you back, so you have to start all over again. Before they inactived my card I said let me go to atm & get the money out. I did, then went to food store & by the time I got home, another fraudulent charge occurred for {$110.00}. I called & they inactived my card & sent me another card. A week went by & I have utility bills that need to be paid. I had {$420.00} and I went to use it & was declined again! I check the app & now I was fraudulently charged now, {$100.00} 4 times!!!! I was wiped out!! Got new card & without any notification, it was inactived & without any notice or instructions sent, I was to send by fax only, Drivers license for ID, social security card & W-2 form. I had no money so I could use a fax machine at an office supply store. I had {$2.00} left on another card. I faxed 3 forms of ID. I was told it wasnt legible. It has been XXXX! I was robbed, fraudulently charged {$600.00} & I can't take out the money I have on my card! I'm stuck! I finally found a fax machine h sent 3 forms of ID & all the documents that was mailed to me in order to investigate these charges & get my money back! No notifications that they received my fax & everytime I call, I'm on hold for an hour. To then get no help & hung up on again! I haven't eaten in 2 days. I have no money!!! I lost my XXXX because of this Pandemic & this card is the unemployment $ being sent. It's only {$170.00} & I have no way to find out any information on the status of ANYTHING!! I have to call & wait an hour & pray XXXX dont get hung up on or disconnected. THIS MONEY IS TO HELP US & I WAS ROBBED & I FEEL LIKE IM BEING PUNISHED! I HAVE NO ANSWERS & I WANT TO TAKE OUT MY MONEY BECAUSE IM STUCK NOW! I HAVE NO FOOD. CAR INSURANCE WAS CANCELED BECAUSE I COULDN'T PAY THE BILL!!! HELP!! I AM GETTING NOWHERE CALLING RELIACARD CARDHOLDER SERVICES XXXX  XXXX XXXX FL XXXX
Consumer complaint received 2020-07-16
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)

Im reporting fraud on my credit report. 
XXXX XXXX XXXX is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.
Consumer complaint received 2020-09-09
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Thrifty Loans, LLC (LA)

On XX/XX/XXXX Thrifty Loans located at XXXX XXXX XXXX, XXXX, LA XXXX ask for my permission to have a payday loan fee of {$55.00} taken out of my bank account. I authorize this transaction to take place on XX/XX/XXXX. There are XXXX payday loans taken out in my name at this location. XXXX payday loan fee is {$55.00} which is due the XXXX of the month. The XXXX payday loan fee for {$55.00} is due the last day of the month. The same Thrifty loans employee contacted me again asking for another payment of {$55.00} on XX/XX/XXXX. I advised her that the payment should've been paid on XX/XX/XXXX already. This set off an alarm for me so I pulled up my bank transaction history and realize that XXXX payments of {$55.00} each were taken out my account by Thrifty Loans on XX/XX/XXXX. I immediately contacted Thrifty Loans employee by phone on XX/XX/XXXX to explain that a refund should be processed because the employee over charged me. The employee stated that her manager sent her an email and the refund was already being processed. On XX/XX/XXXX I received an text message from the same Thrifty Loans employee from XXXX at XXXX " ok my boss said instead of reversing the charge they just gon na use it on your next payment due date. '' I immediately responded and declined. I advised the employee to again issue a refund for the {$55.00} that was charged to my bank account without my permission. On XX/XX/XXXX I recieved another text at XXXX " ok I will see what they can do because it was a card payment not cash let me get with my boss. You don't come back in until XX/XX/XXXX and XX/XX/XXXX. '' I replied at XXXX XXXX again asking that the company reverse the unauthorize payment of {$55.00} that was charged to my account on XX/XX/XXXX. The employee text me at XXXX XXXX " i will reach out to my boss to see what can be done but a refund is going to take XXXX business days it depends on your bank. '' I responded " I wish the refund was processed on XX/XX/XXXX per my request. '' I have called the Thrifty Loans in XXXX XXXX, LA and spoke to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to see if she can get the manager XXXX to solve this issue. I also called the Thrifty Loans located in XXXX, LA and left another message for the manager to contact me. I was able to get the manager personal cell phone which I've called and text her on XX/XX/XXXX. No one from the company has reached out to resolve this issue and as of XX/XX/XXXX I have not been issued a {$55.00} refund.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Refuses to provided proof that this is my debt. Pursuant under FCRA they are required to provide original signed documentation providing proof that this is my debt. This company has failed to provide me with signed documentation, they just continue to harass me via mail, sending the same list of transactions with my name on it but fail to provide the correct documentation to prove this is my debt which is required by law in order for them to collect. Also they have let me know via mail that they REFUSE to reinvestigate due to me not providing new information, what information do I need to provide?, I am simply asking them to prove to me that this is my debt which is my right pursuant under the FCRA or they need to remove it from my credit report because they are now providing false information.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (MN)

I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.
Consumer complaint received 2021-08-10
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. (TN)

In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( Equifax, XXXX XXXXXXXX ). I financed the car through XXXX XXXX XXXX. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to XXXX with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of XXXX XXXX XXXX. I am trying to see what my other options are on getting this taken are of.
Consumer complaint received 2021-11-24
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. (MD)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

On XXXX XXXX, XXXX notified me that my Credit Score went from XXXX to XXXX due to incorrect reporting by XXXX XXXX XXXX, a collection agency of questionable reliability, at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX from an overdue XXXX XXXX XXXX XXXX charge for an XXXX XXXX XXXX for {$1000.00}. 
This was incurred on XXXX XXXX by a XXXX XXXX, for phone # XXXX at a private residence which is also listed as a XXXX XXXX XXXX. 
I have never had a personal account of any type with XXXX XXXX XXXX ; in addition, I hadn't lived in XXXX XXXX since XX/XX/XXXX. I have never lived at that address. All of this can be verified by my Credit History. I have an Excellent Credit Card record. I have never had a cell phone number at XXXX. 
I have done Disputes with all the 3 big Credit Reporting Services. XXXX has never contacted me in writing or by phone. I have tried to call XXXX at their listed phone # : XXXX but the phone messages are always full. I have contacted them by numerous Emails with no response to resolve. 
I have always worked hard to establish my good credit..this is a frustrating situation.
Consumer complaint received 2023-03-18
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. (VA)

I have faxed and sent by mail a FTC report, copy of drivers license, social security card and letter with my name address and phone number to Equifax on XX/XX/2023 and again on XX/XX/2023. I have two fraud account with XXXX XXXX and they needed to be removed off my report. I am closing on a house and this is causing problems. 
I have called over 35 times to the call centers that are out sourced to a XXXX XXXX and the people hang up, transfer or start a dispute on the account when they were told numerous times in the call to not start a dispute. The always have a different answer but no one can seem to see the FTC report because we are told the back office has it and are reviewing it. This has been over 18 days and still we have not had the fraud removed and by law they have 5 days.

With sensitive information and a tool that runs our financial decisions why is this overseas. We need them to remove and follow the laws and rules and cant seem to get anyone to listen.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (OK)

XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error. To date, XXXX has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the XXXX will immediately issue a refund on account of mistake if asked. I advised the XXXX that I have no objection to the issuance of a refund on the account if asked. I submitted to XXXX and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked XXXX to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. XXXX refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to XXXX  and me being liable for a double payment. XXXX continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. XXXX  has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MI)

I took out a loan with Hyundai Motor Finance in XXXX for a vehicle. I turned in the vehicle in XXXX and was unable to pay the balance due on the loan. In the fall of XXXX, I hired a credit services company to negotiate and most of my existing debts. They connected with Hyundai Motor Finance in XXXX XXXX and negotiated a settlement payoff of {$1800.00}. Hyundai was then given the routing/account number of my bank account to submit an ACH withdrawal with the agreement that the account would be paid in full. 
In XXXX, XXXX I noticed on two credit reporting bureaus XXXX and XXXX, that Hyundai was still reporting a balance due of {$2500.00}. I contacted XXXX and XXXX and submitted disputes to them. I also contacted Hyundai Motor Finance and informed them to remove the account or note the loan paid in full. 
I received results from XXXX on XXXX. XXXX, XXXX on the dispute where Hyundai Motor Finance reported that the {$1800.00} was paid and there is still a balance due of {$620.00}. 

This is false. They agreed to a settlement. I would not have provided my ACH details otherwise.