davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

***California Lease***** Kia Finance is charging customers XXXX tax rate on XXXX payments. The auto pay is adjusted to take the correct new tax payment, but since the bill is not adjusted customers show that they owe a small amount due. usually less than a dollar. Kia is telling customers to pay the balance due which is a huge burdon to cancel auto pay, pay the amount and re set it back up. 

When the fact is that Car leases are paid front end, not in the rears. So XXXX 's payment should be for the new tax rate. That payment would be for XXXX to XXXX. Since the bill from Kia came in XXXX for XXXX payment they are charging for the old tax rate in XXXX, By doing this all consumers are paying the higher tax rate in XXXX WHEN THEY SHOULDNT BE! Kia recognizes this but thier solution is for the consumer just to pay the extra money and then starting XXXX they can make the lower payments. This is incorrect!. even their auto pay system adjusted to the correct rate in XXXX but the bill due did not adjust.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo never contacted me about the settlement but did send a {$47.00} check with no explanation. After I contacted them they decided to give me {$500.00}. I explained I wasn't satisfied with that amount and requested mediation. I had unauthorized accounts. Open fraud someone trying to access my accounts and credit card declined. Unnecessary fees charged I opened accounts with other banks and was told to contact them if not satisfied. I feel wellsfargo is trying to purposely pay me unfairly based on time effort and money I had to spend to protect my ID and accounts. I would like fair compensation compared to others with the same problems.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

- [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX To whom it may concern : Upon inspection of my credit report, I noticed the following information is continuously being reported incorrect : My full name is : XXXX XXXX XXXX There should be no other name/aliases listed on my report. Please remove any other names/aliases you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Any other addresses are in correct, undeliverable and I have no access to them. Please remove any and all incorrect addresses immediately.

My current employer ( s ) : None There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect.

You are harming my ability as a consumer to obtain credit by putting out my credit report that contained inaccurate and/or obsolete information. 

Its my understanding that Experian has agreed to pay {$22.00} XXXX to resolve claims it hurt consumers ability to get credit by adding allegedly inaccurate and untrue information to their credit reports. 

Experian you are making my credit report which using outdated home address/ undeliverable address and multiple aliases with incorrect information to report it as high-risk for credit fraud reports. 

Its my understanding Experian company policy DOESNT oversee that theyre obligated under the Fair Credit Reporting Act to put out credit reports which are as accurate as attainable and that dont include any adverse information that is obsolete. 

It is my belief that the sole and only reason that YOU continue refusing to remove all name/aliases & addresses other than what Ive given with the documentation that validate my CORRECT full name & CURRENT & ONLY address is to flagging it as being HIGH RISK OR NON-RESIDENTIAL which benefits YOU monetarily. 

Attached is the supporting all REQUIRED documentation to validate my dispute. Please update your records accurately & send me a updated copy with my accurate personal profile information promptly. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Creditrepair.com, Inc. (NY)

I have been charged with a fee of XXXX dollars to cancel the account at Creditrepair.com. During the sign-up process, the telemarketing agent did not mention any activation fee of {$99.00} ( I was told it is monthly subscription fee ), but now when I asked to cancel the account they came up with the idea that it is in the contract and that is how they do it. Please look into this issue and let me know if you need any more information.
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has listed an account on my credit report that was previously disputed and deleted. The company has actually sent an electronic tracking to expedite the deletion. Additionally, my XXXX XXXX credit card balance is reporting incorrectly. The balance is $ XXXX less than what is reflected on my credit report.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees XXXX XXXX
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I received and attached XXXX separate letters from NationsDirect Mortgage credit research department ( dated : XXXX/XXXX/2016 & XXXX/XXXX/2016 ) verifying that my mortgage account was never late throughout the entire period my loan was serviced with them, however Nations Direct is wrongfully reporting to your credit bureau initially XXXX 30 day late on credit report submitted ( dated : XXXX/XXXX/2016 ), and since submitting the dispute with the credit bureaus my new XXXX report & XXXX report # XXXX ( dated : XXXX/XXXX/2016 ) is now inaccurately reporting XXXX 30 day late remarks by NationsDirect Mortgage, XXXX has corrected the error in derogatory information. I have requested to both XXXX and XXXX to correct all of the inaccurate derogatory remarks from their reports, as NationsDirect Mortgage has verified completely that my mortgage account was never late during entire servicing period.
Consumer complaint received 2023-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

Upon attempting to make a payment over the course of 48 hours, repeatedly received message that I would need to unlock/unfreeze my credit report prior to making this payment. Verification had already been performed via email, text message codes and customer service representative.
Consumer complaint received 2023-05-13
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: V and H Portfolio (CA)

-Collection company reporting false and erroneous information on my credit report that I owe a debt -Never notified and have no knowledge of original debt -this debt does not belong to me -company named as original creditor of XXXX XXXX XXXX does not exist -debt has been disputed with experian as accurate with no information supplied to me including original dates of debt, any signed contracts, or proof that I owe a debt to them
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (WY)

XXXX i was charged off an existing account with Wells Fargo Bank in XXXX OR for {>= $1,000,000} US i was left insolvent. It was made a case number created in XXXX of XXXX. I was directed by my law firm XXXX XXXX to the US treasury in Washington DC. I was directed to Sam.Gov and help it in the proceedings details.I held it as a Fixed Asset It was changed to a US Federal Grant Assistance Admin Art.III.S2.C1.6.6.2 Associational Standing Federal Consumer Credit Protection Act I used Proceedings Details as a service of proceedings. I filed an article 246 in the XXXX constitution in reasonable time to the void date. To intercept the authority of parliament. And grant it back to the states in the organization needed to finish. Sam. Gov directed me to negotiate with the bank. That same day i received some checks in thew mail. From a Wells Fargo NA in XXXX XXXX. By that time it was clear to me What Wells Fargo needed. everything I spoke to with the Gentlemen that day. I have accomplished. I have reduced the burden of proof and the burden of assets to the value of the {>= $1,000,000} US in the charge off from insolvency. Filed the XXXX to XXXX in the XXXX. 15 USC subchapter V 1692k 1692l registered agent was brought in as an Attorney in Fact for my franchise supplemental ands supplanted was filed in the Article 246 close LLC was opened in Wyoming. It is illegal to add a date to a mortgage deed. The XXXX XXXX XXXX  had to be done that way in Sam.Gov with me 34.1-2A-404a Equal Access To Justice Act Sam. Gov made it a US federal grant assistance admin. I linked the account number with the Wells Fargo NA. I filed the XXXX financing statement with the four corners rule that it appears to be right on it's face. XXXX the addendum and XXXX 3 assignment to Q-56, Q-57 and Q-58 the four corners was made in a timely frame 2 CFR 200 FFATA as amended by section 6202 ( a ) supplemental funds section 5367 and I am acting as a financial provider 1026.15 ( f ) ( 1 ) ( 2 ) 28 USC 1333 ( 1 ) ( 2 ) for the franchise dispute resolution in a XXXX reject remedy standard for XXXX was sent in route Friday XX/XX/XXXX Am requesting that the Notary and information be correct for the US Federal Grant Assistance Admin for Wells Fargo Bank I have to give a Notary Public i had to build the trust and the mortgage to correct my situation. Please allow my identity here to be what the bank has. I talked to them here at CFPB yesterday of the day before and my information wasnt correct in the CFPB my personal information.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (FL)

I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!
Consumer complaint received 2023-05-13
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. (FL)

According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NC)

XX/XX/2023 I called the customer care line provided by Avants website ( XXXX ). I told the agent I lost my card and they transferred me to another representative, the next representative said they would have to transfer me as well, stating they'll they were having technical issues as the reason. The representative eventually hung up when I asked why. I went back to the Avant mobile app, to where I see my card number has been changed. I call and ask why, this representative tells me the new card was issued and sent already. I found this to be odd because I was requesting that my card be sent to a new address. All my mail to the address on file with Avant is to be forwarded to my po box in NC, I assumed I'd wait. I waited for the card and all I found is that my card had been used at a gas station in XXXX, NY. I'm currently located and scheduled for work in Virginia Beach, it's impossible that my card was activated and used to my knowledge.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (LA)

This business is knowingly reporting that I owe a debt of {$810.00} to a company that is no longer in business. Also after I requested a debt validation from this company I was told that the contract for the services that were purchased was signed before I was even old enough to legally sign a contract. I voiced this to this company and they were forced to delete this information. Now months later they are knowingly reporting the same information. I want this permanently deleted because it is defaming me and also negatively affecting my ability to obtain credit in my name.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc. (VA)

I have an account with Kickoff bank which I realized is a BIG mistake. First, on XX/XX/XXXX, I realized that someone made 5 unauthorized charges on my account. It is very hard to find a number to call, they do not advertise a number. I finally got a number and got through to a woman with very broken English named XXXX who refused to help. I repeatedly asked for a supervisor and XXXX said numerous times that we dont have any supervisors. That is the most UNPROFESSIONAL AND UPSETTING RESPONSE BECAUSE MY CARD WAS STOLEN. The charges are as follows : XXXX XXXX : {$1.00} XXXX XXXX XXXX XXXX XXXX : {$19.00} XXXX XXXX ( 2nd charge ) {$19.00} XXXX XXXX : {$10.00} As Im typing this, someone continues to try and use my card. What is upsetting is XXXX refusal to help. Someone is trying to drain my account and I got ABSOLUTELY NO HELP FROM XXXX, nor would she allow someone else to help me. I want my funds back and I want this done IMMEDIATELY. I do not appreciate speaking to someone who barely speaks English and yet refuses to help me. My card number must have been stolen and she refused ANY HELP. Any further damage to my account is because of XXXX. She should be fired. You should have help for your consumers that are seeing fraudulent charges.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.