davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (FL)

The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account. 
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance. 
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information. 
The satisfaction letter have been forwarded to hyunday. 
They acccept my payment, they must remove the balance as account is considered paid
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

This is the second time my card has been used for FRAUD and wells fargo has denied both of my claims. SCAMMERS CAN EASILY STEAL YOUR CARD INFORMATION AND CREATE ANOTHER TO STEAL YOUR MONEY!!! THIS HAS HAPPENED TO ME MY ACCOUNT HAS BEEN USED FOR ONLINE PURCHASES AT XXXX AND XXXX AND WELLS FARGO DID NOTHING BUT DENY MY CLAIM THE DAY AFTER I FILED IT!! THIS IS FRAUD AND AS A FIRST TIME CUSTOMER I DO NOT FEEL PROTECTED. I WILL BE CHANGING BANKS.
Consumer complaint received 2024-11-01
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-18
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: JPMORGAN CHASE & CO. (PA)

I have a credit card account with chase showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

I demand immediate blocks and future blocks from all these items that are on the FTC affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all fraud account and inquries
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I have continuously over the last 2-3 years communicate with this servicer on how my Income based repayment plan is calculated. I have continuously sent in documents ( W-2 copies and pay check stubs ) to make sure my monthly amount is calculated correctly. I have followed up on everything the servicer has asked me to do. After following up with the servicer 's requests of documents I continue to get requests from them. My Income based repayment plan is not calculated correctly ... my monthly bills continues to rise by XXXX each and every year which in return is making in hard to make the monthly payments. I continue to communicate with the servicer about not adding any amounts of overtime to my overall income because I do not get overtime on a regular basis. I continue to request them to base my monthly from a 80 hour pay period in which I work. Sometimes I work over when needed but not all the time or regularly. The servicer has a very disrespectful customer service team that are unwilling to spend the correct amount of time to make sure the customer is being treated with dignity and respect. I spoke with a manager when calling in to the servicer about my issue whom took the time to look at my problem of complaint and she came back to the phone and stated that my IBR had been calculated wrong and that it would take 2-3 weeks to correct and for me to keep calling back to get my final monthly payment. This process is not appropriate and unlawful for the customer. I will continue to file a complaint with other agencies until my payment plan is corrected and the correct amount is charged to me monthly. My IBR plan went from XXXX a month to XXXX in a 12 month time period. That is a significant added amount that I can not afford monthly along with living expenses.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I was a victim of a XXXX XXXX XXXX XXXX scam on XX/XX/XXXX. I was convinced by an imposter, posing as a Citibank fraud investigator to XXXX {$2500.00}, in 4 amounts, to a Citibank investigation number, which turned out to be a phone number in the XXXX. 

Citibank has declined to reimburse me, despite being a 27 year loyal customer AND all the changes in XXXX policies that were instituted in XXXX. These changes were in response to a congressional oversight investigation, led by Senator XXXX XXXX. 

XXXX XXXX has been after the 7 large banks that own XXXX to reimburse their customers of imposter fraud, and in a report from XX/XX/XXXX accused the banks of breaking their promises to their customers and potentially violating federal law by not refunding victims of rampant fraud and theft on XXXX. 

I have reported the fraud to Citibank, and am on my second appeal, after 2 denials for reimbursement. 

Further, as I am XXXX XXXX XXXX XXXX, this is now considered XXXX abuse/fraud. 

I hope and pray the CFPB can assist me in being reimbursed. This is causing my family considerable financial hardship. I am feeling first violated by the imposter and secondly violated by Citibanks refusal to help me.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (CT)

I have been trying to get a payment plan Ive been impacted due to the covid 19 and having financial hardship ally has not been in compliance with the CARE ACTS on XX/XX/XXXX I was able to put two month a behind only if I paid XXXX by XX/XX/2021 and than other XXXX by XX/XX/2021 which isnt really any help Im in need of a payment they also report to the credit bureau late payments three times and XXXX lowered my credit score Im trying to get back on track but its causing a distress on me. Please help
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

XX/XX/XXXX I accepted a 34 % savings deal on an account that's on my report that had an original balance of {$710.00} with Portfolio Recovery and I submitted the full payment amount of {$460.00}. In multiple areas on their site they explain they will delete the tradeline account from all XXXX bureaus after payment. When submitting my payment an emphasized note popped up stating my account will be settled, paid in full and deleted from my report within 30 days. The payment for {$460.00} was taken from my account XX/XX/XXXX and payment was successfully completed without issue. The same day after receiving payment, instead of deleting the account they incorrectly updated the balance to " {$250.00} past due as of XX/XX/XXXX '' stating I still owe {$250.00}. I disputed with the credit bureaus that I have access to and provided documentation, no change. Then I emailed Portfolio recovery directly asking them to be truthful on my report and honor their promise to delete their account and provided them with proof of payment. They didn't even acknowledge their receipt of the email. I then reported the issue to the XXXX, this helped... somewhat. XX/XX/XXXX Portfolio Recovery updated the account AGAIN, instead of deleting the account as promised. The account balance was reported as a XXXX balance, with remarks : >Account Paid in Full was a Collection< Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION< But the account is still reported as opened which makes no sense. This wasn't the deal nor what our mutual agreement stated. Portfolio Recovery guaranteed deletion and instead is being purposely and unnecessarily cruel after I paid off the account. I'm trying to recover from identity theft and things are hard enough without this petty behavior making things harder and more time consuming.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

Around XXXX XXXX, USAA informed me that a person named XXXX from XXXX, Texas compromised my checking account. Then on or near XXXX XXXX, I received a call from USAA ( shown on caller-ID ). I followed the instructions of what I believed was USAA representative. From XXXX XXXX, this individual was conversing via phone and having me do what I believed as notational transactions in XXXX wallet. I had never used XXXX wallet and was not aware that actual financial transactions were viable. USAA FRAUD DIVISION conducted an investigation and to my knowledge, no loss on either side. Unfortunately on XXXX XXXX, my USAA account was suspended. I called and was informed that in 60 days, my checking and credit cards with USAA will be canceled. 
On or about XXXX XXXX, I called USAA to report what I believed to be a fraudulent act. I requested immediate, change to my debit and credit cards. I feel that I acted as a reasonable prudent person as this issue. I have no recourse and all my 2 payroll checks are being direct deposited in the USAA ACCOUNT. I have no access to my cash nor will any of my bills be drafted from the USAA checking accounts. 
This can cause grave harm to my financial standing and lost of my superior credit rating
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On ( XX/XX/2024 ), I sent a letter to ( PORTFOLIO RECOV ASSOC ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PORTFOLIO RECOV ASSOC ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Consumer complaint received 2019-09-05
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)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days
Consumer complaint received 2024-02-16
Product: Credit 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: WELLS FARGO & COMPANY (PA)

Wells Fargo, via its app, engages in opaque practices that harm the consumer. These include : No payment due date showing, and pending transactions not appearing. These are designed to extract interest from unknowing customers and relying on their good will. No other credit card app has these issues, and I have several credit cards from different issuers.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Commencing on XX/XX/year>, I fell victim to a scam operation orchestrated by an individual XXXX XXXX ( the Fraudster ). Money was transferred from my NFCU account in the total amount of XXXX USD. I am a victim of a non-delivery scam. XXXX XXXX reached out to me over XXXX saying she sells " fanny packs ''.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (UT)

Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

Thanks, XXXX XXXX
Consumer complaint received 2021-06-26
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: FC HoldCo LLC (GA)

1 ) On XX/XX/2021 I sent the attached debt violation letter to Flagship Credit Acceptance pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in FullXXXX XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

Flagship Credit Acceptance is in violation of 15 USC 1692 for the following acts : Flagship Credit committed fraud by ignoring the cease and desist.

Flagship Credit Acceptance failed to provide the amount of the alleged debt.

Flagship Credit Acceptance failed to provide the name and address of the original creditor. 
Flagship Credit Acceptance continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
Flagship committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and XXXX )
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : SYNCB/VRZN XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX