davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TX)

I paid my car loan off with Bridgecrest in XXXX of XXXX. They were overpaid by a couple of hundred dollars over. I spoke with a rep. and ask they send my overpayment back to me also verify my present address. Several months past, no refund was not received. I called the company again, and asked what happen to my refund they say the mail came back stating no one lives at the address. We verify the address again and they stated that is what's on their records. Then I assure them, I did not received the refund. 

Please help me, I paid my debt in good faith.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (AL)

The dealership is located in XXXX alabama. Kia of XXXX. This person from the dealership claimed to be the CFO/CEO of the dealership. He proceeded to use profanity against me besides listening to my problem. Because I made a complaint to the attorney general office of alabama. There is nowhere on the complaint form to put my social security number on here. I will just give my last 4 numbers. " XXXX '' My birthday XX/XX/1958. I then told him off and hung the phone up. I will never do business with kia or buy a car from kia. I should have known from my experience with kia 20 years ago. When I had {$4000.00} down but they refused that even. So I bought a hyundia XXXX who was nice to give me a loan and the Hyundia dealership gladly took the {$4000.00}. But if i was approved. Why did I need a co-signer? The kia salesman XXXX years ago was as nasty to me as this CEO was to me. They contacted me first because it had been a year since my bankruptcy was discharged. They pull this dirty trick to get you in the dealership just to embarrass you. I will never walk into another kia dealership ever again.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX XXXX called my father about 2 weeks ago on multiple occasions and disclosed to him that they were looking for me and told him about the debt that I owe and who I owed it too. He told them the first time that he has nothing to do with my issues and to not call looking for me, and they called again. The amount of the debt is currently {$1400.00}.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (FL)

I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target  XXXX likes to use retaliation tactics to dismiss potential customers
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

SLS is WITHHOLDING insurance funds for repair to my home due to a SEWAGE backup which caused XXXX XXXX XXXX XXXX due to their delays and his exposure to sewage ( for which I will be suing after this is done ). we BORROWED money to complete the repairs that the insurance company had actually paid for in XXXX. 

Instead of putting in wall to wall carpet which bred the XXXX that caused my XXXX XXXX - we ( at greater EXPENSE ) put in wood flooring to alleviate any future germs/illness. Their unprofessional and UNKNOWLEDGEABLE inspector indicated that the FULLY finished work was not done because " carpet was installed '' ... XXXX.He also asked me if we were going to " paint a pipe access panel '' ( which he referred to as a closet ) that was NEVER painted before and has a board that covers the access - since it is a XXXX ACCESS PANEL. They have caused me loss of income for these inspections as I have to take off work when they are done, health issues for my child, undue stress, out of pocket expenses and needless delays. They continually respond with nonsense answers and have not been taking into consideration the FULLY DOCUMENTED timelines, notes and issues ( all of which I CAN DOCUMENT )
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I applied for a credit card with XXXX XXXX and they use Trans Union to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact TU to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Consumer complaint received 2023-07-24
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: CLGF Holdco 1, LLC (CO)

My wife and I have received numerous phone calls from GenesisFS Card Services over the past XXXX weeks. We blocked them as scam calls. On XXXX XXXX we received a letter dated XXXX XXXX stating that {$780.00} on a Milestone Mastercard Account ending XXXX was outstanding and demanding payment of that amount. Neither my wife nor I have had an account with Milestone Mastercard. WE only have XXXX XXXX issued in early XXXX by Bank XXXX XXXX. 

On checking my credit rating in XXXX XXXX, I find that my excellent XXXX  rating ( last time I looked ) has dropped on XXXX XXXX XXXX and XXXX with XXXX XXXX This unknown-to-us credit card account, which supposedly had a {$300.00} credit limit and a reported balance of {$780.00}, was apparently closed by XXXX XXXX  XXXX on XX/XX/XXXX XXXX for being 30 days late, owing {$89.00}. But the description on XXXX shows payments were supposedly made in XXXX and XXXX. So none of this makes sense, which is hardly surprising since this is a fraudulent attempt to get money from us ; the letter offers many ways to pay by phone or online. That I can ignore. However, it has impacted my credit rating and that is against the law. 

We have searched GenesisFS and see that there are a number of people who have been similarly scammed, but they don't mention credit ratings being impacted. 

I am XXXX XXXX XXXX, XXXX and not well. My wife is dealing with this on our behalf. We hope you can help. 

Thank you
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I signed up for an income driven repayment plan in order to qualify for the public service loan forgiveness program. This year when i filled out my annual certification i was told that my payment would be raising 44 %, when i did not experience a corresponding raise in my income of that magnitude. I called on XX/XX/XXXX, and spoke to a representative who confirmed that the payment amount seemed too high. She told me that she would send through the paperwork again to have it reviewed. On XX/XX/XXXX, I called back as I had not heard from my student loan servicer ( XXXX XXXX   ). I talked to a representative who said that what the first representative told me was incorrect and I would actually have to fill out a form and submit it for reapplication. While I was going through this process of reapplying I noticed that I had been set up for the Income Based Repayment Plan and not the PAYE or REPAYE payment plan. When I had initially set up my payment plan I feel I was given false information and that I was pushed to sign up for the Income Based Repayment Plan ( which has a higher monthly payment ) vs the PAYE or REPAYE payment option. I wasn't even made aware of the PAYE or REPAYE option even though I specifically asked to be put on the lower monthly payment plan. Over the course of 10 years, being on the IBR payment plan vs the PAYE/REPAYE plan would have cost me roughly {$50000.00} extra dollars. I believe that I was purposefully misled in order for the student loan servicer to collect more money from me and that I was taken advantage of because I am a young woman who happens to be a recent graduate with little knowledge of my options.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to Experian and XXXX. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't accurate.
Consumer complaint received 2023-07-24
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with XXXX and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into XXXX XXXX XXXX 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (SC)

On XX/XX/2018, I submitted multiple disputes against XXXX XXXX XXXX XXXX totaling XXXX. I paid for wedding services that was not rendered. I learned two weeks before the wedding that my vendors who were contracted by this company were not payed. South State gave a provisional credit as well. During the investigation process, I called twice checking on the claim and no additional information was needed because I had sent over all invoices paid, police report, contract, letters from Vendors indicating they were not paid etc. Someone reached out to me from Southstate in the fraud department on XX/XX/2018, asking if I contacted the company and I explained I contacted the company on multiple occasions and didnt get a response. So I asked did they get in touch with her, I was told no. Unfortunately, I received two letters a month later stating : I was denied and they took back the credit saying, they determined no error occurred and they were denying because the merchant provided proof of authorization. I was previously told they couldnt reach her. I emailed all the information from my account online as they requested. I was never asked for additional documentation Granted I sent copies of contracts, invoices, budget sheet, vendor letters showing I made payments and the letters from vendors stating they were not paid. Along with a police report. How was there no error ... .This company did not pay any of the vendors and did not show up for my wedding on XX/XX/2018. 
My denial letter said I could request copies of documents they relied on if any existed. Why yes, I called several times requesting those documents and never received them. You cant speak directly to a dispute representative they have to call you back. Never received a call back after several attempts either.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under God. I notified you about 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested. The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress. Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in XXXX XXXX XXXX. I am suffering from XXXX XXXX XXXX XXXX XXXX all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.
Consumer complaint received 2023-07-24
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: WELLS FARGO & COMPANY (IL)

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account XXXX XXXX that begins or ends with XXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX. 

In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}. 

I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site. 

On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard. 

I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised. 

On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating. 

My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity. 

It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.
Consumer complaint received 2019-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

On XX/XX/2019, I made a payment of {$160.00} to my loan servicer for one of my loans. During this time, I was also considering refinancing all of my student loans, both my XXXX XXXX XXXX loans and my private loans through Navient, into one through XXXX. On Sunday XX/XX/2019 I began filling out an application to XXXX to refinance my students loans by consolidating them. Monday XX/XX/2019 XXXX approved my loan application to refinance and consolidate my loans. 

I then called my loan service, Navient, to 1 ) get a 10-day payoff letter to provide to XXXX and 2 ) cancel the pending payment of {$160.00} so my 10-day payoff amount would be accurate. 

1 ) I was advised of the total amount of the 10-day payoff and that I would receive a letter in my Navient inbox through their website the morning of Tuesday XX/XX/2019. Navient has two separate inbox 's on their website - one for XXXX XXXX XXXX loans and one for private loans. I received a 10-day payoff letter in my XXXX XXXX XXXX inbox for an amount that is completely different that the 10-day payoff amount I was originally provided on Monday XX/XX/2019. So, I call Navient to get an explanation. I was then told it takes 24 to 48 hours to receive 10-day payoff letters ( remember that I was originally told that I would receive it " in the  morning '' ). I was also informed during the second phone call that I would be received 3 10-day payoff letters, not 1. All for different amounts that would total the single sum I was originally provided. I was also told that the previous person I talked to gave me incorrect information regarding when I would receive the 10-day payoff letter and the number of letters I was going to receive. I was then told that Navient would resend all the 10-day payoff letters I requested and it may appear confusing because I could potentially receive multiple copies of the same letter. I was also told that it would take an additional 24 to 48 hours to receive those letters, but would most likely receive them Wednesday XX/XX/2019.

2 ) I was advised by Navient that they were unable to cancel the payment of {$160.00} because their system is unable to cancel a pending payment once 24 hours has gone by, however it would take 2 to 4 business days to process the payment. Navient told me that I would have to contact my bank. I called my bank and my bank advised that I had no pending transactions from Navient. So, I put a stop payment on my bank account for Navient so if they tried to process the payment it would be denied.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I am refilling this complaint is for WELLS FARGO. I sent them letters several times XXXX ; XXXX ; XXXX regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.