davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX, I did a trade in with Hyundai for my XXXX XXXX XXXX to XXXX XXXX. Hyundai was to do the payoff exchange of {$1600.00}. I have proof of check that was submitted by XXXX XXXX Hyundai to Hyundai. Hyundai is claiming that I failed to make 3 payments from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have explained to them that I have made each of those payments but was sent to my old account which is XXXX. My current account is XXXX. I made these payments electronically on Hyundai Motor Finance website. I had spoken with several Representatives and Supervisors from Hyundai. I have proof of my payments and had forwarded my bank statements to prove that I did make them. I faxed and mailed these documents in XX/XX/XXXX. They were supposed to rectify this by transferring these payments to my current account. I have been told by Representatives that they have seen these payments in the system and that they will be transferring to another department to finish the process. They towed my car on Friday, XX/XX/XXXX. I had to do get a car rental in order to get to and from my job and get around the way I need to. I am current with my payments. They have been charging me late fees since XX/XX/XXXX. They also did not accept my most recent statement.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 my Amazon credit card account managed by synchrony bank, closed my account due to my 2nd returned payment. This returned payment was in result of not being able to deposit my money on time for the payment I arranged, I usually make it on time, but this wasn't the case when my community was struck by the natural disaster Texas suffered during XXXX. In addition, the frozen roads prevented me from making my usual income to support my all my expenses.
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am still waiting on TransUnion to remove these inquires that do not belong to me. This is my second CFPB complaint regarding this issue. My first complaint was XX/XX/XXXX and it is now XXXX. I need these items removed. They have had plenty of time to complete an investigation. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-07
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: Nelnet, Inc. (FL)

XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had an unauthorized transaction on my card from Bank of America. But, they don't even want to open a case to figure it out. They reissued the card and say good bye. The police told me that in this case the main thing so that the bank would start the investigation ... ..
Consumer complaint received 2021-03-07
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. (FL)

I HAVE BEEN DEALING WITH IDENTITY THEFT WELL OVER A YEAR, SOMETIME IN XXXX I WAS MADE AWARE OF 2 ACCOUNTS THAT WERE FRAUDULENTLY OPENED USING MY NAME 1 COMPANY IS XXXX XXXX OPENED ON XX/XX/XXXX {$200.00} 2ND IS XXXX  XXXX  XXXX OPENED IN XXXX {$4100.00}. WHEN I LEARNED OF THESE ACCOUNTS I UPDATED MY POLICE REPORT WITH XXXX COUNTY SHERIFF IN XXXX FL. I DID A REPORT ANNICIALLY DUE TO SOMEONE STOLE MY PURSE WITH ALL MY PERSONAL IDENTITY. AFTER INFORMING THE COMPANIES I HAD NEVER HAD AN ACCOUNT WITH THEIR COMPANY I ALSO UPDATED MY FTC REPORT AND I ALSO CALLED THE CREDIT BUREAS AND UPLOADED THE UPDATED FTC REPORT WITH ALL 3 CREDIT BUREAUS. WELL SOMETIME LATER I APPLIED FOR A MORTGAGE AND WAS INFORMED BY THE MORTGAGE COMPANY BOTH THESE ACCOUNTS WERE ON MY EQUIFAX CREDIT REPORT ( ONLY ON EQIFAX ) I FOUND IT HARD TO BELIEVE BECAUSE I HAVE A MYEQUIFAX ACCOUNT SO IM REGULARLY CHECKING MY CREDIT REPORTS, SO I CALLED EQUIFAX AND EXPLAINED THE SITUATION THE REPRESENTAIVE ASSURED ME THERE WAS NO COLLECTIONS ON MY CREDIT REPORT, SO AGAIN I APPLIED WITH A DIFFERENT MORTGAGE LENDER AND SAME THING WAS TOLD THERE WERE 2 COLLECTIONS ON MY ACCOUNT, SO AGAIN I CONTACT EQUIFAX AND AGAIN WAS TOLD NOTHING WAS ON CREDIT REPORTAND THE REP STATED SHE WOULD BE SENDING ME A CREDIT REPORT IN THE MAIL, I HAVE YET TO RECIEVE THAT REPORT! WELL ON XX/XX/XXXX I RECIEVED AN ALERT FROM XXXX XXXX INFORMING ME THAT MY EQUIFAX SCORE WENT DOWN OVER 60 POINTS SO I LOG ONTO MYEQUIFAX ACCOUNT AND MY CREDIT REPORT WAS ALL MISINFORMATION THOSE 2 COLLECTIONS WERE ON MY CREDIT REPORT AS WELL AS 22 INQUIRIES THAT ARE NOT MINES AND ALL MY POSITIVE TRADELINES WERE NO LONGER ON MY CREDIT REPORT! I CALLED EQUIFAX EACH TIME BEING TRANSFERRED FROM REP TO REP, I FINALLY SPEAK TO A REP AND HE SAYS HE CANT IDENTIFY ME OVER THE PHONE THAT I NEEDED TO SEND IN MY IDENTIFICATION AND SOCIAL. I EXPLAINED IM SURE YOU CANT SINCE EQUIFAX HAS REMOVED ALL MY INFORMATION AND TRADELINES AND PUT NEGATIVE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CALLED MULTIPLE TIMES ONLY TO BE TOLD I NEED TO PROOVE THE ACCOUNTS ARE NOT MINE, I EXPLAINED I HAVE UPLOADED MY LEASE WHERE I WAS AND STILL AM RESIDING AT THE TIME ACCOUNTS WERE OPEN I ALSO UPLOADED ON EQUIFAX WEBSITE 3 MONTHS OF UTILITY BILLS PROOVING MY RESIDENCE AT THE TIME, I ALSO UPLOADED FTC REPORT AND ALSO POLICE REPORT AND MY LICENSE WHICH ALSO HAS MY ADDRESS ON IT. AND I ALSO UPLOADED MY SOCIAL SECURITY CARD. AND STILL NOTHING IS BEING DONE, TOLD ME I HAD TO WAIT 30 DAYS FOR DISPUTE RESOLUTION. ITS NOT FAIR THAT FRAUDULENT ONFORMATION CONTINUES TO SIT ON MY CREDIT REPORT WHEN I HAVE PROVEN THE ACCOUNTS DONT BELONG TO ME.
Consumer complaint received 2021-03-07
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. (IL)

I HAVE TRIED MANY TIMES BY SUBMITTING DISPUTE LETTERS TO TRANSUNION, ABOUT BANKRUPTCY # XXXX. IN 2020 TRANSUNION TELLS ME IN A LETTER TO CONTACT XXXX XXXX XXXX SINCE THEY ARE THE COMPANY REPORTING THIS PUBLIC RECORD, SO I DID AND IN THERE LETTER ON XXXX XXXX IT STATES THEY WILL NO LONGER REPORT THIS BANKRUPTCY
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX  and transunion both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (CA)

I purchased a vehicle in XXXX of XXXX and when the pandemic hit i was out of work in XXXX. The loan company helped me with 4 deferrals and the payment for XX/XX/XXXX was reported 30 days delinquent on my credit reports. I was had on in communicating my financial concerns and I was told multiple times that due to the pandemic they would not report over 30 days late. 
This is not what took place. And I haves called and emailed complaints about the 30 days delinquency on my Crefit report and have asked to have it removed and its has not.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

The Federal Fair Credit Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Target red card is reporting inaccurate information regarding payments and closure dates. Attached is all the documents supporting my claims. Contact Target spoke with a supervisor # Taps ID # XXXX on XX/XX/2021 paid in full and closed the account! She refuse to provide me with proof! Contact Target again supervisor XXXX # XXXX on XX/XX/2021 ask her to provide proof she refuse! Target refuse my rights as a consumer!!
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX XXXX XXXX and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX XXXX Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Consumer complaint received 2021-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

Sent a letter last month requesting a formal letter stating what this debt was and who were they and I was told by them they didn't need to reply with written letter because original creditor took debt collection back. I called XX/XX/21 and they refused to give me any information on who the original creditor is and that it was my " problem '' to find that out. They keep reporting it t ok XXXX  although they confirmed through phone call its NOT their debt.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the unauthorized inquiries on my credit report for the third time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. 

It is perplexing and deeply concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 

Given this is my third attempt to rectify this matter, I demand an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

on XX/XX/XXXX, I called my lender asking for a one or two month extension on my auto loan. I have never once been later nor have I requested a previous extension for this loan. Before even explaining my situation, I was advised by the rep that they werent giving extensions for covid ( this was odd to me, as every other lender is bending over backwards to assist ). I then advised that I needed to request a one or two month auto extension due to unexpected vet bills, and was advised " well thats a first. '' She then stated that this wasnt really a valid reason and that normally extensions were only given if I was in the hospital or lost my job. I stated that I was facing a short term hardship and needed the extension. She then advised me that they only grant one month extensions. After some calculations, she advised that to defer my {$430.00} payment, it would cost me roughly {$350.00} to which none of this would go towards my loan, it was " just the cost to defer the payment. '' I asked how the Bank could charge me for my hardship, as I have never been charged for an extension with any other lender. She stated that it was just their rules. To benefit off of a customer hardship and make them pay for financial assistance is horrible and takes advantage o a customer in a time of need.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

My Mortgage payment was submitted to Selene Finance  which is location is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/XXXX. XXXX to start my Trial Modification Plan. I have been making every payment on a timely base every month. Then my Mortgage payment was transfer to XXXX XXXX XXXX and I have still making my payments timely. I have requested from Selene Finance more than four times to please send me a copies of my 1098 for the following years XXXX, XXXX, XXXX, XXXX and XXXX. I was giving only XXXX, XXXX, XXXX and XXXX 1098 tax papers. I have called Selene many times please fax and hard copy me the missing XXXX 1098 tax papers so I can file my taxes and clear up this situations. Selene Finance is trying to tell me that I miss paying the whole year XXXX mortgage payments and this is why it missing. Then I was told I would get a copy though email and hard copy. I have been waiting since XXXX of XXXX and still have not received the information requested. I need this information to complete my income taxes so I can refinance my house.
Consumer complaint received 2021-03-06
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. (PA)

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX 29,2021, Feb.01,2021 and XXXX.2021 with no response and it is past the 30 days
Consumer complaint received 2021-03-07
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Motor Finance changed my account number without consulting me or giving me notice. I continued making my payments, but the payments were evidently going to my old account number instead of the new account number of which I had no knowledge. After they contacted me to collect a debt on XX/XX/XXXX, I explained I had made my payment. After some investigation they apologized and said they would fix THEIR error. I continued making my payments to the now correct account number, but I am getting several calls a week saying I have not made my payment and they are collecting a debt. This has now happened 3 times with each time the issue being resolved and notes taken. I am now receiving letters that I am multiple payments late. This is not the case.
Consumer complaint received 2021-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Complain # 5 against Loancare LLC once again they are adding more XXXX fees/escrow increase or basically whatever they can come up with to charge more. I have not bothered to call because in the 4 complaints prior I get nothing but XXXX XXXX excuses and lies. My mortgage payment is {$750.00} a month that's what I sighed for. After the last complaint they dropped to {$820.00} which we just paid due to frustration. For XXXX its now increased permanently to {$870.00}. For XXXX taxes I went online and paid all of my taxes IN FULL to XXXX county. Loancare refused to stop including taxes for XXXX. THIS MEANS THEY ARE SITTING ON A SURPLUS OF XXXX DOLLARS IN ESCROW THAT WAS OVERPAID. so there is absolutely NO reason why there is any deficiency or why once again our payments increase. They do this every few months they send in a new more incompetent employee to " re-analyze '' our payments. So once again I get to send in another complaint to CFPB and the Attorney Generals office. I'm just curious at what point does the Federal government step in? Any questions? see complaints 1-4. Thanks
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020 I received a phone call and a letter from XXXX XXXX XXXX that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the PayPal credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.