davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (VA)

I have traded in my XX/XX/XXXX Hyundai XXXX for a XX/XX/XXXX Hyundai XXXX in XX/XX/XXXX. Before the payoff process was completed an extra payment was submitted to my XX/XX/XXXX Hyundai Finance Account on XX/XX/XXXX During the last XXXX months I have called up Hyundai Motor Finance XXXX times and they have been promising me to send my refund check asap, which I have n't received till now. It has been extremely frustrating and I am not sure who could help me out since the the Hyundai Finance Customer Service XXXX are the one 's who are supposed to help me, but in this case have failed to their job.If a consumer/customer like me do n't make loan payments, a financial institution would be charging us with extra fees, but there is no justice for consumers like us when a financial institution fails to pay us back. The last call I have made to the Hyundai Finance Customer Service was on XX/XX/XXXXThe customer service representative has told be that they have sent the check on XXXX. The representative also told me that it usually takes just XXXX business days to get the mail, which I have n't. Typically I would have waited for it, but this issue has been unresolved for the past couple of months and I am extremely tired and disappointed with the service of Hyundai Motor Finance that it could n't handle such a petty case.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RAB PERFORMANCE RECOVERIES, LLC (CO)

RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: EOS Holdings, Inc. (CA)

I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help
Consumer complaint received 2016-02-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Persolve, LLC - Legal - Series 2 (CA)

I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.
Consumer complaint received 2020-11-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America allowed a credit card payment I made to get reversed fraudulently. I did not make this request, and neither did any authorized users on the account, so this is due to fraud. Money from the reversed payment is now missing and Bank of America refuses to tell me where the money has gone or issue a refund to my account. I have been calling them and complaining for several days with seemingly little progress. I need access to this $ XXXX which was disappeared from my account due to negligence at the bank immediately not in 7+ business days as they have been suggesting. Anytime I call the bank I get transferred again and again until they eventually hang up.
Consumer complaint received 2020-10-28
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. (MD)

I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AZ)

I opened an account on XX/XX/XXXX buying several types of coins. I moved money from wallet to the Coinbase Vault service on the XXXX. On XX/XX/XXXX I withdrew 2 small accounts that consisted of earned money from learning about several coins. That money had not been moved to the vault. The problem began when I tried to move money from the vault to my wallet to withdraw it. The process calls for 2 step verifcation within 24 hrs. I verified both places but my account would only register that I approved one. I tried this several times over a number of days from XX/XX/XXXX on. I wrote to support XX/XX/XXXX and got response the XXXX saying they needed me to verify who I was and then let them know and they'd move my money to my wallet and give me a new vault. I did that. Then they said verify and provide selfy. So I did it again but there was no place to enter a selfie. I asked them where to enter a selfie and got no answer. I verified again and sent support a selfie. No response. I wrote several times. No response. Got an email asking if my issue was resolved I said no. No further support. I've written several times asking if they're stealing my money and gotten no response. I paid to have my bank account stop any further withdrawals. I could not sell when the market was up or use that money at a legitimate site.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc. (IL)

On XX/XX/XXXX, I attempted to withdraw {$1000.00} from an N26 checking account held by me since XX/XX/XXXX of XXXX and was denied the withdrawal from the bank. I attempted twice more in {$500.00} increments, double checked my pin, and then called customer support and was told that the settings for deposit and payment limits would need some time to change over ( this has never happened previously, nor was I informed of any change to the system ). 

On XX/XX/XXXX, I tried to withdraw {$500.00} again and was denied the transaction by the ATM. I ignored it for the time being. I went home and tried to pair the new phone I had been using for several months, with the app ( previously I had unlinked my old phone and since I barely use this card, I didn't immediately decide to update the information via the app ). I decided to hit up the online chat and was informed that my account had been suspended for an undisclosed reason and that I would be emailed by a specialist in the future. The online chat then proceeded to close the chat. I was never notified previously of suspicious activity or suspension via app or email. 

I reattempted this several times and was met with the same response. I called the support number and found that my number has been blocked with a pre-recorded message which reported the same message I had received from support ; 'Your account has been suspended and you will be contacted by a specialist '. 

It is now the XXXX, and I no longer have access to the card via the app, the card has been removed from my account and I am frozen out of my own account. Further research into similar issues shows a history of never resolving the issue. 

I also have gone to the bank that N26 uses in some way to provide financial service in the U.S. and despite the information provided on the N26 website, XXXX seems to refute those claims.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

XXXX XXXX XXXX XXXX, XXXX collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX energy debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against XXXX XXXX XXXX XXXX, XXXX for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. XXXX XXXX XXXX XXXX should be held to account for this egregious error.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

A balance due of {$180.00} appeared on my credit report in XX/XX/2020. I have disputed this twice through the credit bureaus as I have no knowledge of this account or the balance due. IC Systems simply responded that it meets FCRA Requirements. I have no idea what this charge is for. I never received a bill or communication in the mail, it just appeared out of no where on my credit report. I require proof be provided that this balance due belongs to me. I also require the delinquency date and that this be removed from all three credit bureaus for failure to provide proof that this is my bill and for failure to notify me by mail before reporting to the credit bureaus.
Consumer complaint received 2020-08-26
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: ID Analytics, Inc. (IL)

SAGESTREAM LLC CONSUMER OFFICE WONT REMOVE FRAUDLENT ADDRESSES OR FRAUDLENT NAMES OFF MY CREDIT REPORT. I HAVE ALSO SENT THEM A POLICE REPORT
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (DE)

I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.
Consumer complaint received 2015-10-19
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me
Consumer complaint received 2015-10-22
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NY)

I am a recent victim of the rush card scam. I have never in my life dealt with a company that has such low regards for their customers. Not one person has contacted me yet. I have put myself in a financial burden because of the rushcard. I can eat food, let alone feed my children. Please please please I am disgusted to the XXXX power and I want to take some legal actions. I have my next check being directly deposited. So does this mean they will take my money again. What are they doing gambling with my check for their own corporate scheme. I want my money so I can cancel their services. I have been embarrassed on so many levels. This is a joke and shame that people can do this to you without America protecting the citizens of this great nation. please will someone help me or send information about how I can take this to the next legal step
Consumer complaint received 2020-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I get a monthly XXXX XXXX XXXX check direct deposited into my wells fargo account from XXXX XXXX. I had already received one for may and XXXX. Well XX/XX/XXXX it went to wrong account. XXXX said i changed it online but when EFT was set up i submitted a form. I have a copy but they will not provide me anything with my signature changing it to an account number thati was not mine. I dont kniw it. Now XXXX sees the mistake but neither will correct it. {$640000.00} went into an account and they see it was withdrawn. I have received XXXX but I can not get XXXX because neither will do whats needed. So a electronic check with my name but not my account number. Wells fargo will not correct. I keep calling and getting transfered andexcuses. Obvious mistake but unwilling to correct. Help!
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc. (NJ)

I am a XXXX Veteran that maintains excellent payment history. I keep getting this collection flagged on my credit report by Sa-Vit Collection Agency of XXXX, NJ XXXX and the debt is not mine. I Am not the joint account holder or signed a document saying i am the responsible party for the bill they are trying to collect. To my knowledge there is no document that they have that shows me as the responsible party. Yet, they are adding my name next to my wifes name. My wife didnt speak good english and I believe she asked creditor to call me to talk about the unethical collection on her behalf. The credit company then automatically attached my name to the debt ever since. They need to remove all traces of this collection from my credit report and if they do this again, I am requesting Bureau of Consumer Financial Protection to please fine them the maximun amount for each incident they mark on my report. I pay my payments on time and it shouldnt mess with my credit score nor report and cause me damage. They continue to do this and I am requesting consumer financial protection from these illegal practices. Thank You.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (CA)

I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (OH)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allegiant Capital Recovery LLC (FL)

I was contacted by this company named Allegiant Capital Recovery Services, LLC on XX/XX/2020. They left a voicemail and I called the number back to find out who they were. I found out who they were and was speaking to an Employee by the name of Faith. Faith told me what the debt was about and I said I never received any communication from the credit card company or the Allegiant. I asked Faith on the phone to please send me proof of the debt via United States Post Office mail. She said they do not use the post office in the state of NY because of covid. She said the XXXX doesn't operate in New York. I did laugh at her and tried to ask several more times for her to send one to me by mail and she kept stating that's not how this works. I asked to speak with someone else and kept getting the same answer ( that's not how this works ). I also asked her to correct my mailing address because the one she read to me is incorrect ; its missing my lot # XXXX. The lot number is missing on the letter she sent me via email as well. I have not received anything via mail from either the credit card company or this shady Allegiant Capital Recovery Services, llc.. I said to her several times I would pay the debt if it can be validated by a simple letter, and that I wanted to speak with someone else also. She kept insisting I speak with her only and the debt was true and correct. 

I hope someone can help me with this issue. If you need more info please feel free to give me a call/text or email anytime.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC. (IL)

I came in to withdraw money from my bank account at First Midwest Bank located in XXXX Illinois On XXXX XXXX. 
The teller name is XXXX XXXX I gave the teller my id and My debit card and still remained waiting for over 15 minutes as she went to make calls and other extra things behind a closed door. I remained patient. I didnt raise my voice nor act if character in anyway and I was still denied my funds. She told me I had to wait 48 hours and I literally just took XXXX out of my account last week without these formalities for the same instance and i was late my XXXX XXXX XXXX and now Im facing these same hiccups within this company for my funds yet again.