davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (LA)

I was told by the representative at the executive office for JP MORGAN that I would receive a call back regarding the outcome of the dispute. I've called multiple times over the last week. The car in question was due to be sold on XX/XX/23 per the written correspondence I received. I did not receive a call before that date or after. I called today only to get a voicemail. After I left the voice mail she finally called me back. When I spoke to the representative, she stated that the investigation is complete and the outcome still has not changed. I asked her well what happened to the vehicle because it was due to be sold at the end of XXXX. She stated that they extended the date to XX/XX/23 but I was never notified as the consumer of the extension by written correspondence or verbal. She then informed me that she will type up a written letter to post in response to my complaint. I asked her why wasnt I notified about the extension because when I last spoke to her, I told her that I had a new financial institution ready to purchase the vehicle. She stated that she wasnt aware of that and she only remembers that our previous financing fell through. She could not recall the conversation about me mentioning the new lender to her at all. She then proceeded to say that she submitted her letter and it should post by tomorrow on the CFPB website. Im pretty sure they sold the vehicle without resolving this issue and complaint with me after multiple attempts to alert them of the damages of constantly call, reaching out, and reporting the false information the continue to tell me via the phone.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There are inquiries on my credit report that is not mines I didnt authorize it I have over 20 hard inquiries really is that even realistic a normal smart person knows if you apply for credit and get denied there is no reason to continue applying that just make you look desperate and in need so why in earth would I have over 20 credit inquiries I'm working on fixing all the errors on my credit report so I can be financially right in the years ahead and I cant do it with all these inquiries that is affecting me from getting funding even with my XXXX credit score
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
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 (VA)

ok i have this account number with HMF " XXXX " last year i moved from XXXX to XXXX  HMF sent the title from XXXX  to XXXX  to complete the state transfer at the DMV however the title got lost in the mail according to this tracking from XXXX XXXX since XX/XX/22 and nobody did his job by confirming if anybody received this title complete mess, couple of weeks ago i got letter from the XXXX in XXXX  saying that they put a hold on XXXX  title because they didn't receive XXXX  title, i called the customer service tons of times and i honestly felt like it was a mistake going with this institution i could've financed with my bank at least when i call the customer service i will find someone who speaks XXXX, majority of the agents i spoke to should be fired for not even understanding the language of the country they serve and the rest who speaks XXXX they gave me different story eveytime literally different story everytime i call " oh we sent it already and its on the mail '', " oh we escalated it to the title dept and you should hear within whatever '', " oh we sent a request to the XXXX to request a duplicate title '' XXXX XXXX XXXX XXXX XXXX without any resolution in the horizon This is my last resort before taking a legal action
Consumer complaint received 2022-10-27
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-23
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)

I leased a XXXX  XXXX XXXX ( VIN # XXXX ) vehicle from Kia Finance. Lease ended on XXXX. We issued a check and bought the lease vehicle for {$17000.00}. We received the title and bill of sale in late XXXX. NJ the sales tax is 6.625 %. 

The Bill of Sale and Title does not reflect the sales tax paid by me. It indicates {$0.00} sales tax paid when in fact {$1000.00} sales tax was paid per their payment history documents. This amount is exactly 6.625 % of the purchase price. 

Purchase price = {$15000.00} Sales tax collected = {$1000.00} Other fees collected = {$320.00} Check Total = {$17000.00} I contacted Kia Finance on XXXX and reported the issue. I reviewed the issue and reviewed the numbers and they confirmed the amount collected for sales tax. They stated that the bill of sale will be updated to reflect the amount collected. They stated that the title can not be re-issued. They stated it would take 3 weeks for the document to be approved and mailed out. 

I called Kia Finance on XXXX since I had not received a corrected Bill of Sale or Title. The agents informed me the request was denied internally but no reason was given. I escalated to a manager at the call center since my car registration was expiring XXXX. He indicated that he has escalated the request and that I should receive the corrected documents by the end of the week. Documents will be emailed. No documents were received and my car registration has expired. The call center continuously drops my calls and I have not been able to resolve the matter and Kia has not reached out to me to provide an update. I need to register my vehicle and will need to rightfully reflect that sales tax has been collected by Kia Finance.

I will be including the following : Payment history- which documents the sales tax collected.

Check Image Kia Letters dated XXXX and XXXX Kia Title - indicates no sales tax collected on the tax stamp and on the back of the document Bill of Sale - indicates no sales tax collected Kia Paid in Full Document Kia Motors Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, Nelnet has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Consumer complaint received 2021-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not familiar with two debts which are being reported to my credit reports by Portfolio Recovery Associates. I have disputed the information in accordance with the FCRA and requested validation in accordance with the FCRA and FDCPA. One of the accounts continue to report to all three of my credit reports, while the second one still reports to two of the credit reports. I have never received any response from my attempts to validate the debt with this company.
Consumer complaint received 2021-10-23
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. (NJ)

XXXX has removed the inaccurate XXXX Account from my file. Can you please do the same. Thank you!
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I sent dispute letters to XXXX and Equifax certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand XXXX and Equifax remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

According to the Fair Credit Act my credit file has to be 100 % accurate. my XXXX XXXX  account credit limit is {$1000.00}. Experian is reporting {$500.00} on my credit file. Experian has failed to update my balance and credit limit. This is affecting my credit score in a negative way.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. 

I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/XXXX  It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

On XX/XX/XXXX my mortgage servicer, NewRez, responded to a CFPB complaint that I filed on XX/XX/XXXX ( Complaint IDr-XXXX ). 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX they did not provide full or adequate information as to why my mortgage statement for payment due on XX/XX/XXXX showed a payment due amount of {$0.00}.

NewRez needs to respond to 1,2, 3,4,5,6, and 7 below. 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX CFPC complaint they, state ..... 

On XX/XX/XXXX, a refund was issued to the trustee in the amount of {$1600.00}. However, in a deep review of the homeowners payment history one of these payments were mistakenly counted in our bankruptcy payment ledger.

1. What was exact dollar amount that was allegedly counted in the bankruptcy payment ledge?

NewRez states in their XX/XX/XXXX response to my XX/XX/XXXX CFPB Complaint It has been determined that this inadvertent error is the cause of the billing discrepancies which has caused the homeowner to continually receive billing statements reflecting the wrong amount due. This error has been corrected and as a courtesy Newrez has advanced the funds needed to correct this error. This correction has made the next contractual payment due the XX/XX/XXXX installment of {$940.00}. Enclosed for your clients reference is a copy of the XX/XX/XXXX billing statement 2. What is the exact dollar amount of the funds that were allegedly advanced?

3. How were the alleged advanced funds applied to my mortgage account?

4. Why was there no documentation provided showing how the alleged advanced funds were applied? NewRez needs to supply the documentation showing the exact dollar amount of the alleged funds and exactly how the alleged funds were applied to the account.

NewRez attached a XX/XX/XXXX, statement- 5. Why does the statement continue to show that I owe a {$0.00} dollar payment?

6. Why has NewRez not provided any documentation showing the alleged advancement of funds to our account?

7. NewRez needs to supply documentation showing the exact dollar amount of the alleged advancement of funds
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

XX/XX/XXXX Collection Debt showed up on my credit report for unpaid {$810.00} XXXX account that was not mine. Originally reported by XXXX XXXX XXXX to Credit Bureau. Disputed XX/XX/XXXX and removed XX/XX/XXXX after XXXX XXXX XXXX discovered it was not my account. 
XX/XX/XXXX alerted via credit alert of score drop, the same Collection Account appeared from Franklin Collection SV. 
Disputed account through XXXX and called Franklin Collection SV XXXX XXXX XXXX XXXX, XXXX, MS XXXX Phone : ( XXXX ) XXXX Balance Date : XX/XX/XXXX Balance : {$810.00} Operator said debt did not appear to be mine and gave me email address for formal dispute letter which I e mailed XXXX XXXX XXXX I emailed another letter after they replied to XXXX that under investigation this account was mine in which I have been requesting documents supporting their claim that this is my account. 
Franklin Credit SV has not provided any documents of supporting evidence but each time I contact them, they report to FICO Credit Agencies FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX.

FRANKLIN COLLECTION SVCS INC has flagged your account as UNPAID ( D ). 
XX/XX/XXXX with XXXX FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
Franklin Credit has not responded with any supporting documents for collection, communication response of any type regarding this collection and I do not have any information which would even allow me to try and remedy with XXXX.
Consumer complaint received 2021-10-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (CA)

this is the third time NCA has received a debt I no longer owe to collect. this is ridiculous, and has to stop. they are referencing NCA account # XXXX I have called them and they hung up on me.The debt was included in my discharged bankruptcy
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (FL)

When I had a problem with my employer and the all was deposited in Regions Bank. My last Social Security check was direct deposited in XXXX of 2020 and they closed the bank account without refunding the amount of {$2300.00}. I will be homeless in 7 days unless I can get my money. 
Thank you for your help.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day  over 60 days later i have not received a response a respose yet I feel ignored of my disputes. The law stated in section 611 failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will be forced to file for litgiation due to the stressed u have caused me. My information was also impacted by the XXXX data breach and probably reached the wrong hands. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
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. (TX)

I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.
Consumer complaint received 2020-04-22
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. (GA)

( 103 true Identity theft ) I am a victim of identity theft XXXX confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX Experian Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've had a Walmart account since XX/XX/XXXX prior to them selling to Capital One. I always paid them on time. I never had any issues. From one day to the next I noticed that they marked me 30 days late on my account. They changed their payment address and didn't notify me. I had no way of knowing about the change or where to send my payments. 

I called and disputed the late and they said they would look into it but nothing has been done. It doesn't seem fair to punish me as a consumer for making my payments as I always did. If they had notified me of the change I would have not had any issues making this payment. Now, because of their negligence, I have a 30 day late on my credit which dropped my fico score immensely and I may possibly lose my home if I do not get this corrected for my loan. 

Please help me get this resolved as soon as possible. 

Thank you.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA closed my checking account, over 14 year account by a unauthorized phone call without any notice or communication with me, I am a veteran and very unhappy that they have left me with no access to my funds, said they mailed the check to my address but that I can't reopen my account, I have my bank loans with this account and have several deposits going to this accounts. I am not sure why they can do this!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have sent these companies on multiple occasions my new mailing address as well as physical address. They refuse to remove any other addresses associated with my account. I've attached a copy of my license and my current utility bill below.
Consumer complaint received 2021-10-23
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: U.S. Auto Sales Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld systems has called my mother number repeatedly and more than 2 times in one day. I have repeatedly said to not contact my mothers phone NOMORE. We are in the midst of a global pandemic that is affecting millions, and they call asking about money. not only is that rude but its against the law in this current situation