davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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 (OK)

I called Hyundai in XXXX oklahoma several times to cancel the extended warranty I had bought. No one would ever contact me back. I drove to XXXX in XXXX and filled out information with then and she said she would get back to me on the refund. It would first go to hyundai motor finance If I was behind to catch me up but if the account was current I would receive a check. I have not heard from them since and it's been over the XXXX weeks for processing.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Crediting Act XXXX Account Name : 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 an account without my written instructions.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

On XX/XX/2022 I filed a dispute for a transaction of {$160.00} for a fraudulent charge. Cashapp issued me a provisional credit for the full amount and stated it would become permanent after 45 days. On XX/XX/2022 cashapp put my account- {$160.00}. On the 45th day the credit became permanent and they have now went back on a written agreement on the 49th day. I have the email stating that if they didnt resolve the dispute within the 45 days then it was permanent, and they in fact didnt resolve it on the 45th day.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

Hello, I've attempted to contact Mohela six separate times over the past two months for information related to my student loans, and I've been unable to receive any type of response. I've attempted to call them directly, send them emails, and submit complaints through their online portal at https : //www.mohela.com/DL/common/contactUs.aspx. 

At this point, their inability to respond about serious financial issues feels like gross negligence on their part as a student loan servicer. 

Please contact me at XXXX or XXXX if you would like records of my attempts to contact them. 

Regards, XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!

On top of that you still expect me to pay you.

I need this account closed as paid. As soon as possible
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

Unauthorized charges Chime Ba k Account on XXXXXXXX XXXX XXXXXXXX XXXX. 
I have call and spoke with XXXX on the Unauthorized Charges several in response they told me hey would look into them and that is all that has happened. 
the following are the Unauthorized Charges with dates : XXXX XXXX, XXXX {$140.00} XXXX  Unauthorized Charge XXXX XXXX, XXXX {$440.00XXXX XXXX Unauthorized Charge XXXX XXXX, XXXX {$300.00} XXXXXXXX Unauthorized Charge XXXX XXXX, XXXX {$420.0XXXX XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$420.00} XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$140.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.
Consumer complaint received 2019-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

First, the original XXXX XXXX I attended was in XXXX XXXX ca, which was no where on the drop down list. it can be found here : XXXX XXXX XXXX I have had issues with predatory lending, specifically with Sallie Mae/Navient . When I went to the school in XXXX, I was given a loan. when I went to consolidate my loan, I was not told that part of my loan would be transformed into a private student loan. I filed bankruptcy in XXXX, listing this private loan and showed proof of unable to repay without it affecting my ability to live. at that time, I thought it was taken care of. 

Fast forward to today, I have had numerous issues with Navient and this is not the first time I have had to file a CFPB complaint against them. They refuse to offer any forgiveness. They refuse to lower the interest rate and it has grown from XXXX to XXXX. Again I had done all the steps the first time in bankruptcy to show I couldn't pay the debt. Well I filed Bankruptcy again, being careful to ensure that they were petitioned, and took all the necessary steps to include my student loans. They did not show up to the hearing and were well informed. The judge approved dismissal of all loans including student loans, and I was able to prove that It would be a financial hardship to pay this back. They have practiced predatory lending practices and the school I went to is no longer open. 

Navient refuses to discharge the debt or provide any financial relief. 
The original amount of both loans that were turned into private loans without my knowledge or consent was as follows : Loan 1 : current balance {$23000.00} Loan 2 : current balance {$8000.00} I am unsure of what else to do. I am happy to submit any information needed.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello, I have chase credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.
Consumer complaint received 2022-04-15
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: Neon Newco Corporation (TX)

On XX/XX/2022 I opened a dispute with Netspend regarding a service I paid for that I did not receive. I paid for the service on XX/XX/XXXX, Im the amount of {$2000.00}. 


The company refused to refund my money, I submitted text messages, voice recordings and a timeline of of events to Netspend of communication between myself and the individual/company. 

Netspend did not honor the provisional credit while on my dispute results, I was told to call back in 10 days. ( XX/XX/XXXX or XXXX ) I called back and Netspend told me to call back XX/XX/XXXX and that I did not qualify for the provisional credit. I could not get a clear answer on rather or not they attended a chargeback on the individuals/company account.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

ERC placed an unknown debt on my credit report. They have sent no dunning letters that I have received at my address. I do not prefer to speak with Collection Agencies on the phone as I know they will violate my rights. this is unfair and illegal. The debt in question was more than likely discharged in a bankruptcy and without basic information how can I get the correct documentation to them.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$81000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

I noticed on my XX/XX/ mortgage stmt that Gregory Funding had used my escrow account to pay property taxes on some unknown account in " XXXX XXXX ''. I have no idea why or how this happened, but we don't own any property in XXXX XXXX anywhere. I tried to call Gregory Funding regarding this mistake, and was placed on hold. The recording told me I would be on hold for over an hour and a half and that there were XXXX callers in line in front of me. After XXXX minutes, a recorded message came on and told me there were now XXXX callers in line in front of me. After a few more minutes, a message came on and told me they would save my place in line and call me back. It has now been well over an hour and a half, and I have had no phone calls. 

I am completely fed up with how my previous servicer, XXXX, and now this servicer, Gregory Funding, have mishandled my mortgage. We currently have an approved claim against XXXX for around {$15000.00} for money they stole from us through servicing our mortgage. Something needs to be done about all of these crooked servicers.
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (NY)

We had a 42 month lease which was due to terminate in XXXX of XXXX. We paid off the balance remaining in order to fulfill our financial responsibility to the lease. The car was under the allowed mileage and in good shape. The lease was terminated on XX/XX/XXXX. On XX/XX/XXXX we received the attached letter ( dated XX/XX/XXXX ) which indicates a Gross Early Termination Amount of {$13000.00} and also indicates that the amount may be more. My husband and I called Chase immediately and spoke with XXXX ( XXXX at XXXX EST  XX/XX/XXXX ). XXXX was unable to explain why we received the letter and or explain the gross early termination amount. At one point she admitted the letter must have been sent in error but was still unsure of why we received the letter. We then asked to speak with a manager, XXXX ( XXXX at XXXX EST XX/XX/XXXX ) who was also unable to explain the charges or why we received the letter. This is concerning when no one at Chase can explain why we received a termination letter in the amount of {$13000.00} with the chance that it could be even more. The letter attached is deceptive to the consumer.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I mailed a rent check to my landlord at the end of XX/XX/XXXX for my XX/XX/XXXX rent. On XX/XX/XXXX my landlord informed me that he had not received my rent for that month. I looked into it, and saw that through online banking ( including pictures of the supposedly " endorsed '' check ) that the funds for my rent had been withdrawn. The check had been endorsed by a person that was not my landlord. I immediately ( as in the same day I found out ) went to a Santander branch to file a claim. I was informed by a Santander branch manager in XXXX XXXX, XXXX that based on my description of events that I would " get my money back. '' After four months they have determined that I was liable for the funds taken from my account by way of the stolen and fraudulently endorsed check. How is the bank that allowed this deposit not liable? How is the USPS not liable? How was this check stolen, and why does that make me liable? Am I now finding out that a signed check can literally be used like cash, and I have no recourse? I would like to file a complaint against Santander Bank due to this gross miscarriage of justice on the part of their fraud investigation team. I believe that they have not exercised their due diligence in this investigation. I was also advised multiple times, as I have checked in on this investigation periodically throughout the interceding months, not to file an official police report related to my claim. I feel as though I was deliberately mislead by Santander Bank to reduce their culpability in this matter. I will be filing a police report today, but I would like to file a claim with this agency as well.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As per complaint ID # XXXX, you had finally reached the BoA and someone at there end admitted that it was the bank wrong doing which causing both time and money. Since I have received a letter from BoA, I had called left the messages more than 10 times and the person whose name was on the letter never once called back. And the last time I spoke to one of your officers is to make another complaint and make a legal approach which I dont think it is right the time to pursue os this direction just yet.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled.

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud.

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.
Consumer complaint received 2022-11-04
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: JPMORGAN CHASE & CO. (TX)

I paid {$2000.00} for a one week stay at XXXX resort in XXXX XXXX. However, I had to leave 2 days early. The resort agreed to refund the remaining balance of {$570.00}. I have a email from management authorizing the refund. Now the resort wants to charge me the {$570.00}. I have contacted the chase cradit card company but getting the run around.