davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I paid my Hyundai XXXX lease as instructed and was told my title would be mailed to me. Hyundai claims to have sent it but I never received it over a month later. Hyundai refuses to do anything to remedy this situation leaving me with no title and no ability to register the car. Hyundai keeps offering to send a lien release or a letter of no interest but the DMV says these documents are useless. I can not get my name on a new title for the vehicle until Hyundai sends me their title. I have read several other reports of people being put through this horrific situation and never had important mail not arrive before so I am sure this is Hyundai causing this.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2021-09-09
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: EQUIFAX, INC. (TN)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (IN)

Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) Experian i very XXXX up ... .XXXX Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score.

I am getting turned down for prepaid debit cards ... its ridiculous XXXX is best or most accurate of the 3, XXXX is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
Consumer complaint received 2022-07-04
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. (TX)

The credit bureau has violated my rights numerous times under 15 U.S.C 1681. 

In accordance with the Fair Credit Reporting Act XXXX XXXX account number # XXXX has violated my rights.

According to 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.

This Account was Opened Fraudulently without a written signature to show validation!
Consumer complaint received 2020-06-11
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 disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (GA)

I have contacted XXXX  several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called XXXX and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX XXXX XXXX XXXX XXXX # XXXX. I have even sent XXXX copies from XXXX showing that they have this account reported accurately as paid satisfactory and that XXXX keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I  will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. 
Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I am a victim of identity thief i contacted the proper authorities i was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report, i have contacted the creditors and furnished the creditors with the above stated documents.
Consumer complaint received 2022-04-20
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. (TX)

Equifax ignores all my certified mail correspondence for debt validation so I can follow up they have been reporting the following items erroneously. These items are included in my identity theft report also. But company ignores all fcra laws. Also my privacy was violated I never gave anyone permission to furnish my personal information not written nor verbal. They are in violation of my privacy right according to U.S.C 1681 section 604A section 2. 

1 ) XXXX  2 ) XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX coll 6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (AZ)

FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (PA)

I returned a financed vehicle to JP Morgan Chase in XXXX after coming out of Chapter XXXX due to discrepancies in the actual amount owed. I was issued a 1099-C in the amount of {$2900.00} in XXXX. The amount was claimed on my XXXX Federal tax return. In XX/XX/XXXX I was sent a Check Reissue Affidavit by JP Morgan Chase to claim funds that had been sent to me (? ) in the amount of {$940.00} per the correspondence. I followed the instructions on the correspondence reached out to J Morgan Chase on 3 separate occasions questioning the aforementioned situation. I was unable to get any direct answer and the funds were turned over to the state of PA. 

How do you get a 1099-C and a refund?
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am very disturbed and upset that this credit reporting agency has not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I am demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

I received a levy notice last year from my bank that XXXX XXXX had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted XXXX XXXX. They informed me that they had purchased the debt from Chase bank for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with XXXX XXXX last month.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

To Whom It May Concern, The reason for my dispute is AR RESOURCES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AR RESOURCES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR RESOURCES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. AR RESOURCES is held liable as well for defamation and in the state of FLORIDA allows for serious fines .AR RESOURCES is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. AR RESOURCES has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The actions that were taken was notifying Experian and XXXX with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX XXXX and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote Experian and XXXX numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from Experian and XXXX. Second step, I have reached out to XXXX XXXX ( CEO ) of XXXX and the Ceo of Experian concerning my issues with each company and their process of handling my situation. I reached out to Experian and XXXX again and the same thing, it's been verified. Experian and XXXX informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of Experian and XXXX. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet was stolen and cause all these issues in my life and Experian and XXXX has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from Experian and XXXX, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( Experian and XXXX ). I hope you can help me
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK (GA)

I have an issue with the Discover Secured Credit Card. I applied and was approved for a Secured Credit Card. After several e- mails from them I sent in my {$200.00} security deposit. I received the card within 3 days and received a e- mail stating they could not " verify " my social security number. the company forwarded me a document to verify this through SS which I completed and returned to them via - email as they requested. During this time, they froze the card would not allow me to activate the card until they completed their process. Discover received my funds on XX/XX/2022. 
Discover decided that my paperwork was not adequate and sent an - email stating they closed my account ( never opened ) and I would receive my funds. Today is XXXX XXXX and after several telephone calls with extreme waiting times ( 30 min plus ) I have not received my {$200.00} deposit. the money was drafted out of my bank on XXXX XXXX. 
I have called several times to be told it would be 10 business days, well now it's been a month I have no access to credit and no deposit. 
My question is what happens on my credit report ( an account that was never opened and closed ) and where the XXXX is my deposit? Why has it taken this much time and why was the funds returned as they were received via bank ACH?
Consumer complaint received 2020-05-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (GA)

I currently have a VA Housing loan that was sold to Mid America Mortgage , Inc. in XX/XX/XXXX. It is a rental property and due to the COVID-19 crisis the current tenant has not paid the rent ( which is used to pay the mortgage ) in two months. I have been able to cover this payment until recently. I bought this property while I was in the XXXX right before the housing market crashed in XXXX/XXXX, the XXXX transferred me so I had to move, and still owe more than what its worth which is the reason I have to rent it. 

Due to COVID-19 protection and the CARES act I can not evict this tenant. The local magistrate will not start eviction proceedings until at least XX/XX/XXXX. 

I called this Mid America Mortgage lender for forbearance under the CARES Act, and the said that they can differ payments up to 90 days but at the end of the 90 day Forbearance period the entire out standing balance is due. They said that since this is a VA Loan they will NOT renegotiate loan terms to add the time during the Forbearance period to the end of the loan and that any loan renegotiations will have to be done at the end of the Forbearance period. 

They Specifically stated that the best way to proceed is to NOT make my Mortgage payments then TRY to renegotiate at the end of the Forbearance period. They also said that they could not send me this guidance in writing. 

All Im trying to do with this company is renegotiate the terms of my loan based on COVID-19 hardships and the CARES Act which was enacted to help. I find it concerning as a XXXX XXXX and XXXX Veteran that the company would not assist me.
Consumer complaint received 2019-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (TX)

I called in to dispute a late charge fee at U.S. Bank because I was not aware that I had missed a payment due to the fact that i had been unable to access into my acc. Earlier before, I had been granted access by a different agent into my acc. After, reviewing my account, i called and spoke with XXXX who was the first agent i spoke to dispute my charge and she attempted to make me believe that a fee could only be disputed after a payment had been posted. Therefore, if the payment showed pending, she would still not be able to do anything. She then only pressured me to make payment ( disregarding my request ). I was willing to make the full payment but i found this rationality odd. I then thanked her for her customer service and called back again. At this point, I'm speaking with XXXX who informed me that a reversal had been made on XXXX which is why she could not grant me this request. I then chose to request to speak with her Supervisor " XXXX '' but he too denied my request. He never recognized the fact that i had not been receiving the bills or that i had been blocked out of my acc to which i had just been granted. Very poor customer experience. I will be paying the XXXX XXXX dollar debt and ending my relation with this bank. I would however appreciate any help about the late fee ( its bad enough that my credit is affected due to a glitch error ). Yes, i could have called before but i was not aware my account was not up to date.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

XX/XX/2022 amount paid to merchant of {$560.00}, card ending XXXX. Billed by credit card company again for the {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount for {$560.00} had been paid on XX/XX/2022 and it had been credited to my account. I have been fighting with the credit card company and get nowhere. They said the dispute I filed with them had been investigated ( XXXX different times ) and I was responsible for the charge. I have the paperwork from the merchant and my bank stating this bill has already been satisfied.