davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

I purchased my car in XX/XX/XXXX and in XX/XX/XXXX went through a Chapter XXXX bankruptcy. I re-affirmed my car loan and have made every single payment not only on time but more then the minimum due. I have been a perfect Customer so when I went on line to make a payment and I could n't I contacted Hyundai Finance and was advised that they had blocked my on line access so I can no longer have auto pays or make one time payments on line. They stated that they did this b/c I had a discharged bankruptcy. Not only did I find that absolutely absurd seeing that this filing was almost XXXX years ago and they have accepted auto and online payments since then but then they also advised they terminated my online access at the end of last month with no notification. So my only option is to send in a payment ... who the heck does that anymore ... or to make one on the phone with the auto system for XXXX or with an agent for over 7 dollars. Seeing as my car payment is due today I had no other option then to do the auto over the phone option. The rude associate connected me to the auto line however it was for Kia. This is no way to treat a Customer who has made 100 % of their payments on time and more then the minimum due and on top of that to not send out any notification. I want my online access back!
Consumer complaint received 2019-08-06
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. (GA)

In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, XXXX XXXX TransUnion. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

TransUnion, Equifax, Experian Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (FL)

XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with   XXXX   XXXX   XXXX      XXXX   XXXX      XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX     XXXX     XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX  paid and closed
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (GA)

XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Consumer complaint received 2017-04-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (TX)

I have been contacting Account Control Technologies and have been on and off the phone with them for two hours trying to get my itemized statement over the phone. For one thing, they never sent a written statement that the debt sent to their agency, which is my right. The  XXXX   XXXX  office says they do not have access to it and can only mail it within  7-10 bu siness days. I have asked for how the collection fees are broken down and  XXXX   XXXX  has refused to give it to me. I have been directed to corporate offices in Ohio and California and three times have been transferred back to their office. They refuse to give me information on my account. I have asked for a written document detailing that if I have my debt paid in full before  XXXX / XXXX /  XXXX  , that it will not be reported to my credit. They have outright refused to put anything in writing outside of the itemized statement. They told me that over the phone and do have recordings of that conversation, but I wanted it in writing because I know how shady and deceptive those places are. I have been put on hold for extended periods of time until I finally hung up and called back. My call has been outright ignored  three  times when I began requesting that it be elevated outside of their office.  XXXX   XXXX  has said that they are the only office that will deal with my account and speak to me about it, but they do not have  access to my itemized account information. In the period of two  days, I have been told that they can add fees to my account while it is in their office ( by  XXXX   ) , which he was corrected and told that my college still owns the account and they have no authority to add anything, but the " fees '' and they are the ones who set the date to report to my credit ( by  XXXX  ), but then when my call was elevated to  XXXX  and then  XXXX , they would not tell me what those fees were. They said they can add up to 18.25 %, but did not have the percentage and said that was n't the only fee that would be on there. I just need my financial information and I am trying to protect myself. I have called the university and ACT is contracted through them, so they handle all accrued fees from when it is handled by them. I just need to be informed that I am paying the correct amount!!!! I need this information quickly before  XXXX   XXXX  or it will completely screw up my credit.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (PA)

I have been receiving multiple phone calls from XXXX XXXX XXXX XXXX regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked XXXX XXXX XXXX multiple times for them to stop calling my employer and they still continue.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (PA)

I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a continuation of Case #  XXXX .   XXXX    XXXX   XXXX   XXXX   XXXX  not respond, which is part of the original complaint. Very distressing, and appears intentional.
Consumer complaint received 2019-08-06
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX
Consumer complaint received 2019-08-06
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: Shellpoint Partners, LLC (VA)

I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XX/XX/XXXX and XX/XX/XXXX payments. Mortgage co., XXXX XXXX XXXX screwed up the closing and did not disclose to us to pay XX/XX/XXXX payment. We moved with the closing into XX/XX/XXXX, funding was not paid to NewRez mortgage. On XX/XX/2019, we were instructed to pay XX/XX/XXXX payment and the new terms were skip XX/XX/XXXX and XX/XX/XXXX payments. Even though NewRez mortgage received their money, they went to as far to report us 30 days late for XX/XX/XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or NewRez mortgage corrected XX/XX/XXXX 's late payment. 

XXXX XXXX
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

Dear CFPB I am an XXXX XXXX from XXXX who came to the United States to achieve a XXXX  XXXX as my initial plan. Now I am XXXX fXXXX at XXXX University, MD. 

I made my first payment for Bitcoin at Coinbase on XX/XX/XXXX and then around 30 more payments until the last payment on XX/XX/XXXX. I also bought Ethereum and Litecoin. 

I have verified my account with Coinbase such as uploading my driver license, connect with my bank account at XXXX  XXXX XXXX. At this time, I can fully control my account like send, withdraw, sell to USD. 

Importantly, my strategy is that I am a holder who buys and stores for a very long time like 5 years later, so I do not trade, buy and sell frequently. I just buy and hold. I do not check my account frequently. 

Then when the price of Bitcoin goes uptrend from XXXX to around XXXX this year in XXXX, I go check my account and Coinbase block me from fully control it. I can not withdraw, send to my hard wallet, software wallet as well. Coinbase asks me to verify my account again with Social Security Number ( SSN ). However, at the first time when I buy Bitcoin on Coinbase, Coinbase does not require me to have SSN or ITIN. At this time, I still can transfer my cryptocurrencies and fully control my account. 

I am just an XXXX XXXX who does not work, I just XXXX in the U.S for XXXX. So that I dont allow to have SSN or ITIN because I do not have the income to pay for the tax. I just buy it and hold for a very long time. I also have proof of document for my ineligibility to have an SSN from SSN Administration. 

Now Coinbase blocks me from using my coins. I believe in Coinbase and happy to pay a fee every time I bought coins as a loyal customer. This is very not fair for me if all my cryptocurrency being blocked from using which is bought from my own money. 

In addition, Coinbase did not send me any warning to my email or phone number that they change the policy for international students or customer who does not have SSN or ITIN so I can withdraw before they change it. 

I only have a valid driver license, XXXX XXXX for XXXX  XXXX, XXXX University  student id card, valid XXXX, valid XXXX and bank account from XXXX  XXXX XXXX. 

Thank you CFPB admin for concerning my case.
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: EQUIFAX, INC. (CA)

Irs called twice and told me someone is using my identity in Texas and have three houses where drugs were found and a trucking mechanic business had something to do with it there also. Saying I have three different bank accounts opened over there but dont even live never even been there in my life only at XXXX XXXX XXXX XXXX The last time on the second call after telling them they called about it and said they were going to find the criminal and seize my social to protect my identity while they catch the person falsifying my accounts and pulling out loans. The police showed up there and no one was found at the three houses but clothes and things I guess as if someone was there supposedly but told them my info and verified myself and the second time they called they just hung up as soon as I told them the same thing but I told them you already called me about this and had said it was getting fixed so I can re use my social security but on the second call they hung up and never called back.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I can not seem to get a straight answer from anyone at Wells Fargo Home Mortgage. 
What i want to know is why have i not seen any of the proceeds from them trading my mortgage? It was not disclosed to me at the time of closing. I allowed for either XXXX XXXX XXXX XXXX XXXX or Wells Fargo Home Mortgage to take my mortgage and turn it in to a mortgage back security. I assumed it is Wells Fargo because they became my Mortgage company shortly after the closing of my house. 
All i know is that my Mortgage note is a mortgage back security and that it generates a profit. That profit is to be put towards my Mortgage payment. I have not seen any of the proceeds from the mortgage back security. and i would like to know why..
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

Since   XXXX   I have attempted to make additional principal payments on my mortgage. These payments have been continuously misapplied, and in several cases, when rectified as to where to apply them  ( after lengthy phone calls ), the interest was misapplied on the next months payment, instead of the date the   payment was received  ( as the Note calls for ). I ma iled additional principal payments to the address as identified on the back on my mortgage statement and specifically stated principal curtailment. These payments were not applied to principal, instead were applied to my regular payment ( which I have auto pay/withdraw done by the mortgage company ). After speaking with   XXXX   XXXX  , they advised to mail to  three  different addresses :  one in  Fishers, IN,  one in   XXXX , OH, and most recently in  XXXX   XXXX , NJ. Unfortunately, the problem remained the same for each of these addresses ; principal curtailment payment improperly applied to next months mortgage statement. Freedom Mortgage Company states there is no way to do this electronical ly ( either on their web site or electronic transfer ), and by phone mortgage company charges a {$15.00} fee per transaction. Customer service states that additional   principal curtailment amounts can not be applied to monthly payments unless they remain same each month.  Freedom Mortgage  also failed to make tax payment ( despite having bill and their syste m showing four payments per year ) th is  XXXX , and resulted in interest being charged . Freedom has since  paid taxes and supposedly paid interest, however I am not sure until I see a statement from municipality showing account is clean ( no further interest  due ). Obviously this company can not handle simple tasks as principal curtailment and tax payments. I did not choose them and my mortgage was sold to them. All of these are violation of the Mortgage Note, as well as fraud relating to improper application of interest as required by the Note.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (FL)

Hello, we purchased a home in Florida  XXXX / XXXX / XXXX . We got a conventional mortgage with  Prime Lending. We had our current home ( at the time ) for sale and planned on paying off the Prime Lending  mortgage when the current home ( at the time ) sold. We did n't want to put 20 % down so as not to drain our saving if the home for sale did n't sell quickly. So, Prime Lending required us to have Property Mortgage Insurance  (  BP PMI ) - they suggested Single Premium Borrower paid Mortgage  Insurance  and never mentioned it was the non-refundable option. So, we paid over {$3100.00} at closing for this  one time  premium. Our PMI disclosure that we signed shows a refund  may be  possible. In  XXXX  our home sold. In  XXXX  we paid off our  Prime Lending mortgage but Prime  had already sold the note to  XXXX   XXXX . So, since our loan was paid off we wanted a pro-rated refund of our  one t ime PMI payment. I talked to  XXXX   XXXX  and they said it 's not refundable -  Prime  says they sold it so their hands are washed. If I understand it correctly, a refund is possible if the mortgage is paid off according to the  1998 Home Owners p rotection act. The insurance company was  XXXX  and even on their webpage it shows 'Non-Refundable ' BPMI is refundable under th e 1998 Act.   Can you help - am I understanding the ACT incorrectly?     Thank you
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (CA)

I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.
Consumer complaint received 2023-02-02
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. (MD)

I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (IA)

I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from me.