davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried twice now to get the bank to credit my account for fraud against me. I have asked for copies of the documents that they used to say that the charges were authorized. I didnt authorize them so who did they give the authority to to authorize use of my account and my card. They sent me a letter that states that they would be willing to send me copies and when I asked them for them they tell me that they can not send them to me.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank , N.A . has charged off my credit account but has not supplied me with a 1099C form is thus committing fraud. Is now suing me for compensation for what they have considered a loss.
Consumer complaint received 2019-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are several credit inquiries listed on my credit report which Transunion has refused to removed.  I called their customer service a couple of times and they refused to address the issue.  I did not authorize these inquiries and in turn they are causing issues with my credit scores.Here are the inquiries I asked Transunion to remove,1. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX(XXXX) XXXX-XXXX2. (XX/XX/XXXX and XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX (XXXX) XXXX-XXXX3. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX4. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX5. (XX/XX/XXXX) XXXX/XXXXXXXX XXXX(XXXX) XXXX-XXXX
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

We purchased a home in XXXX through ERA. We filed Chapter XXXX bankruptcy not on the home and that was dismissed and paid for in XXXX. We went through a mortgage help company and paid over 800 to get our mortgage through a different company due to the problems we had with ERA. This company then got us a loan modified through PHH and both companies have the same account number, and telephone number to contact them. We have received a letter from PHH last month stating that our direct payments will no longer be pulled since we filed bankruptcy on the loan. We have not filed bankruptcy on the loan and the bankruptcy has already been dismissed so we are not sure why they did this. We have been paying extra every month but now the company says our account number is no longer valid. I am not sure how a mortgage company can hire outside companies and then lie about being the same company. They have the same people working there also. Is there anything we can do about this since this company is lying and we paid extra money to get rid of them. I am attaching all the paperwork that we have received from both companies. any help would be greatly appreciated. Both my husband and I are on Social security and can not afford extra money.
Consumer complaint received 2019-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

Convergent XXXX, a collection agency, is contacting me to try to collect a cell phone debt that they previously accepted a reduced balance over 2 years ago. They tried this tactic last year and when they were told to stop because they accepted a reduced balance, they said they would not contact me again. Now they have called me on my cell phone and sent me a notice, again offered a " reduced balance amount. '' Convergent XXXX clearly does not honor reduced balance offers. They must rely on the fact that the balance was paid so long ago that I do not have document to prove what I paid and the notice they sent.
Consumer complaint received 2024-11-13
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: HYUNDAI CAPITAL AMERICA (OK)

Early in XXXX of this year ( XXXX  ) my wife was involved in a collision that resulted in our XXXX XXXX XXXX being " totalled '' by an adjuster prior to the end of that month. Hyundai was notified of this prior to the end of that month and the vehicle was released to them. The following month ( XX/XX/year> ) HMF ( Hyundai ) contacted me to say we owed our XXXX payment. After discussing the issue and that our payment for XXXX was made, they agreed that the remaining balance should be covered by their Gap insurance policy which we had purchased thru HMF when purchasing the vehicle.

Approximately 2 months later we began receiving letters from Hyundai that we owed a balance of XXXX dollars. I called and after lengthy phone conversation they agreed that since the Gap insurance was through their own company they would resolve this and I should consider the matter resolved. 
About XXXX we received more mail stating that we owed a final monthly payment on the vehicle and the remaining balance of XXXX on the vehicle. After another lengthy phone conversation with their collections and also their finance departments. They stated that they would reach out again to their Gap insurance department to resolve the unpaid balance on the vehicle. In XXXX I was notified by XXXX that Hyundai was reporting delinquent/ missed payments that had affected my credit score.

I called Hyundai again and they stated that they had not received correspondence from the Gap insurance department since XX/XX/XXXX and that I should reach out to them to get the payment resolved. I reminded the Hyundai representative that this Gap insurance was through their own company. After being put on a lengthy hold, the rep said they had contacted the Gap insurance and I should consider the matter resolved.

Today I received a letter from a collection agency attempting to collect payment for Hyundai for the remaining XXXX balance on the XXXX. 
After 8 months of phone calls and fighting with Hyundai I wish to lodge a complaint, I'm at a loss as to how to resolve this problem. Communication with this company seems meaningless and a waste of time.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

I XXXX XXXX XXXX XXXX, have tried to contact Navy Federal Credit Union about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. NFCU will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the XXXX and with out it show on my credit report which is negatively effecting me.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have 2 Loans that have been recently bought out by Loancare. I have made a total of 4 payments thus far. For some reason on my most recent bills, the first two payments made are missing in the Transaction Activity. No one from loancare/XXXX XXXX can give me an answer - and the money was in fact deducted from my bank account. I was told by a customer service rep to reach out and attach my bank statements as proof of payment which I did and then to call back. I called back and they told me I might receive a call back in 3-5 days - but if I don't, to call in a week.. I need this sorted as we paid our payments well on time. I do not want any missing payments or late payments on my credit report. I also have the payment confirmation emails dated XX/XX/2019 for both loans if you need those sent over.
Consumer complaint received 2024-11-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

Payed off lease in full last XXXX. Hyundai Motor Finance said they sent it to wrong address. Requested Duplicate title. XXXX later nothing came. Company said they requested again. Nothing arrived. Called again and Hyundai Motor Finance said it was not processed properly last time, send email to " XXXX XXXX  '' told me to wait yet again. Its been a year now I can XXXX XXXX my payed off vehicle since i can not re-new the registration since the XXXX requires a the title.
Consumer complaint received 2024-11-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XXXX XXXX a payment via mail with check and payment stub included of {$450.00} was processed by Home Depot Citibank Retail Card Services and the {$450.00} was cleared through the bank account. The payment was not applied to the account. On XX/XX/year>, I called the customer service number, and they initiated a payment research investigation with reference number XXXX and asked me to upload the front and back of the cleared check from the bank account. I did so and they said it would take up to 90 days to investigate. I assumed this ended the issue. Later on, I received a collection call. I advised the agent of the missing payment and asked that my number not be called for collection because I am at work for the XXXX XXXX XXXX 

On XX/XX/XXXX, I received a collection call while I was in a meeting for the XXXX XXXX. I called back and was advised that I needed to fax in the front and back of the check even though the investigation department already has the check. It took 3 more transfers to reach someone who promised they would stop the collection calls - but then they said they could not do it because only a special military department can do it.

Citibank is in violation of the Fair Debt Collection Practices Act and I am eligible for up to {$1000.00} in compensatory damages plus possibly attorney fees should I choose to retain an attorney. I require Citibank compensate me {$1000.00} for their violation of the FDCPA.
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Louisiana Recovery Services Inc. (LA)

I have requested proof of the original obligation and documents as well as the below I am requesting that Louisiana recovery services at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX you provide verification of this debt. 

your account nmber ending in XXXX XXXX each in the amount of {$130.00} and beginning with XXXX for XXXX dollars I requested that they Send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 

I need more details about what you claim I owe so that I can make an informed decision. 

Moreover this debt under Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act ( FDCPA ) the main federal law that governs debt collection practices see 15 U.S.C. 1692. 

I dispute the information contained in my equifax credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
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. (NY)

Issue:  Chase mishandling my XX/XX/2019dispute for $XXXX and rebilling me twice instead of refunding.Chase has been contacted  XX/XX/2019Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, $XXXX, Newbalance, transaction. The Chase dispute representative was advised that there was another transaction from New Balance of $XXXX   from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction $XXXX and $XXXX. Chase informed me that they would be issuing a permanent credit of $XXXX for the XX/XX/2019 transaction.On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued; however, this calculation is incorrect. The dispute representative cited that two credits were issued; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019transaction returns.Chase rebilled my account two additional times for ($XXXX; $XXXX). I am disputing these amounts as they should not have been billed to my account.  A refund of $XXXX would resolve this matter.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Our company signed up for a Citibank backed Home Depot Revolving Credit Card, and the card was provided to us to use.  We have discovered that Citibank is charging roughly a 10% minimum payment every month.   Most credit cards only charge 1-3% minimum payment due.   There was no disclosure of this minimum payment rate during the application process, there was no disclosure of this minimum payment rate in the mail once the card was activated.  The web site on both Citibank and Home Depot have NO DISCLOSURE of the minimum payment requirement due anywhere, not even in the credit card disclosure statement , or the current application process.   Now we are forced to pay a minimum payment which is very high and not provided prior to using and accepting the card.   Furthermore the actual credit card bill statement every month fails to adhere to the CARD ACT and does not list the account balance along with the way the minimum payment is calculated and does not include the amount of time it would take for the balance to be paid off as required by the CARD ACT 2009. Each credit card company has its own minimum payment policy however it must be disclosed.  The minimum-payment policies for Citibank for this card is simply not.  Upon contacting the bank they refuse to adjust the minimum payment rate to the industry standard and have threaten to make report any late payments to the credit agencies if these very high minimum payments which were never disclosed, are not paid.  This is fraud and I believe illegal practice.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Logged in on XX/XX/19 all I wanted was to lock my credit report, forced to put in credit card. Charged $XXXX  on XX/XX/19 for continued service I didn't know I signed up for. Canceled service once on XX/XX/19. Charged $XXXX   on XX/XX/19. Tried to cancel service again on web site received incorrect directions how to close service on website over an automated phone service and couldn't get through to a real operator.
Consumer complaint received 2019-08-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I disputed all non account holding inquiries with Experian .They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Experian violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was sent a letter stating I authroized payments and instead it was masked to hide a collection of Debt. I have no knowledge of this as it is not owed the car was totaled and this was almost 10 years ago. This seemed like a deceiving letter as if I authorized payments to an account that and not stated its a debt collection.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (NV)

On XX/XX/2024 I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with supervisor XXXX XXXX express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. HCA never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I received call from XXXX with the executive office at Hyundai to reach out directly XXXX. I attached consumer report from FTC
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunionis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the accounts permanently : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC (IN)

I am XXXX as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through loancare and XX/XX/XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XX/XX/XXXX and XX/XX/XXXX credit reports after having been removed from bankruptcy, talked with XX/XX/XXXX, not easy to get this task done, also emailed XX/XX/XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, specialized loan servicing has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (NJ)

when to purchase a vehicle, i was told my credit will only be ran by one lender. now i have multiple hard inquiry. The dealership share with out my consent from unknow soucres. 

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