davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/XXXX of 2020, I was involved in a XXXX XXXX which resulted in a total loss of my vehicle. The vehicle was insured with XXXX by the time of the accident. I opened up a claim with XXXX right after the accident and apparently everything was taken care of. After the claim process XXXX submitted the loss payment on XX/XX/year> in the amount of {$13000.00} to Kia Finance ( I have a letter supporting this information from XXXX. This letter has been sent to Kia as proof and as a piece of documentation to the Bureaus ).

Kia Finance has reported to the credit bureaus that this account has been has a charge off and repossession ( which never happened ) on the months of XXXX and XXXX of 2020, after being paid in full by the Insurance Company above mentioned. This is a Insurance / Finance company deal, I have always paid my insurance bills and made payments on the vehicle on time. 
This entry is incorrect and has caused so many damages to my credit score and to my personal ability of obtaining some types of loans, credit cards, etc. over the past 04 ( four years ). 
After a several attempts directly with Kia Finance and through disputes with XXXX, XXXX and XXXX, I would really appreciate your attention to this matter.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Federal Government must act fast to pass a law on how the Financial Institutions must disclose the Interest Rates they pay on Savings and CD 's. 
It is very deceptive when institutions like Capital One advertise their Interest rates on savings and CD 's published as APY and not APR. 
APY is a function of time period frequency, and the Average consumer is not sophisticate enough to know the difference between the two rates.

The True Interest Rate must be advertised in APR, so that Consumer can compare XXXX to XXXX in selecting a Financial institution and a product to invest. 

Please use CFPB influence and act fast to get this law pass and implemented ASAP. 
Look forward to hearing your positive response on this matter promptly. 
Thank you. 
XXXX XXXX.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

On XX/XX/year>, I contacted the Pentagon Federal Credit Union so they could assist transferring {$5000.00} from my checking account to XXXX, as I was trying to pay more on the principle of my vehicle note. At that time, I was informed that a cashier 's check would be issued. After checking daily to see if the check had posted and calling Penfed to see what was the holdup, I was informed that I should give the mail system some time. 

After seeing that it was XX/XX/year>, and the check had not been posted, I called Penfed once again and requested that the check be cancelled. At that time, the agent I spoke to told me that the check would be cancelled as requested. The following day, I called Penfed again to verify that the check was cancelled only to find out that the check had been cashed through XXXX. After multiple attempts to find out why the money had not been posted on either account, I decided to file this complaint. XXXX states they never received the $ XXXX and Penfed says that they can not do anything because the check had been cashed. 

On XX/XX/year>, I filed a dispute through Penfed and was given new accounts. However, I am still $ XXXX in the hole and no one can tell me where the funds are located or have placed it back in my account. I have spoken to numerous representatives since XX/XX/year>, from Penfed as well as XXXX and STILL have no resolution. XXXX also stated that they could not help me since the check had been cashed through XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

This Response is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a collection/charged off account on my credit report but I have never received a XXXX for this charged off debt. Can you please provide me with a XXXX to accurately reflect this as a charge off for tax purposes or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Consumer complaint received 2024-10-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (OK)

I have been contacted numerous times by Sallie Mae Bank over the past 5 to 10 years regarding my siblings student loan debt. Apparently I am listed as a point of reference as someone who can help them get a hold of my sister. My sister already has payment plans set up with them and has asked them to stop contacting me and they refuse to do so. 

They are now contacting my wife, who was not known to my sister at the time she got the loans ( approximately 6 to 7 years before my wife, and I even met. ) They continue to harass me and now my wife, when the debt is not mine or my wifes and they have been requested to see communications on multiple occasions. 

I consider this harassment. It needs to stop.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I use PayPal as I have for years. I decided to open a Venmo account because they are subsidiary companies. So I go through the process and am granted a Venmo and a Venmo debit card. I attempted one transaction and they immediately froze my account. Sending an email stating they had permanently disabled my Venmo account and the funds I received were now going to be held for 180 days. They offered absolutely no info as to why my account was closed. Simply stating their AI algorithm was the reason my account was close. I opted out of their arbitration clauses immediately upon making the Venmo account due to this problem and process being such a general problem. I've contacted support over this issue. Because they closed my account my wife 's account that has also been created granted a debit card and used for over a year was closed with even less info as to what she could have done.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX SECURITYCRED XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status XXXX  SECURITYCRED ) XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Account Number : XXXX Dear Southwest Credit Systems, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX  / XXXX  ) Account number # XXXX, ( KOVO INC ) Account number # XXXX, and ( XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( XXXX XXXX XXXX ) Account number # XXXX, ( KOVO INC ) Account number # XXXX, and ( XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Carvana Group, LLC (FL)

I was in the military on XXXX XXXX XXXX  and I wanted to make a purchase of a vehicle while I was going to transition in XXXX XXXX. On XX/XX/XXXX I made a purchase on Carvana, and it was a white XXXX XXXX that was worth approximately {$40000.00}. I gave a deposit of {$3400.00} on his XXXX XXXX  debit card. I then changed my mind on the previous vehicle because the mileage of the vehicle was XXXX. I made landline with Carvana to switch to a blue XXXX XXXX that had a mileage of XXXX. I also didn't want the vehicle any longer, so Carvana attempted to send me back a refund check. On XX/XX/XXXX when Carvana sent via US mail his refund check in the amount of {$3400.00}. The refund check was sent over to my grandmother mailing address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX. I was then informed that my father moved in with his grandmother at the same location. XXXX XXXX stated on XX/XX/XXXX when I find out that the refund check was sent to that mailing address, but his father already went to a check cashing place to cash out the check on XX/XX/XXXX. I spoke with my father numerous times about giving me my funds back, but it never had been resolved. I have sent over many forged affidavits to Carvana and XXXX XXXX to be reissued funds, but I was told that I was going to be receiving funds from Carvana.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CO)

On XX/XX/XXXX I sent insurance claim checks to replace my roof to Planet Home Lending to endorse the check so that I can then endorse and deposit the check so that I can pay the roofing company that replaced the roof. On XX/XX/XXXX I called Planet Home lending and asked them what the status is. They said it was received and completion is past their usual processing time. I asked for an estimated completion date and she did not know. She said the department processing it did not know what date either.
Consumer complaint received 2018-11-04
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: CITIBANK, N.A. (TX)

There was an unauthorised transaction of {$2000.00} with a merchant ( XXXX XXXX XXXX in XXXX ) on XX/XX/XXXX. I disputed this transaction with my US credit card company. The dispute was resolved against me in XX/XX/XXXX and I made the payment. My credit card company resolved the transaction as valid. 

I approached the merchant recently in XX/XX/XXXX and learned that the merchant does not have my payment. The merchant bank made a permanent debit to the merchant due to insufficient documentation, this means they resolved the transaction as invalid. The merchant bank opened an investigation and confirmed that they credited the card holder account ( my account ) on XX/XX/XXXX.

I shared the above information with my US credit card company in XX/XX/XXXX. They sent a letter on XX/XX/XXXX which says - " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 

Summary : -- -- -- -- -- -- - 1 ) The transaction happened on XX/XX/XXXX for {$2000.00} 2 ) I disputed the transaction in a week but it was resolved against me in XX/XX/XXXX and I made the payment.

3 ) Approached the merchant in XX/XX/XXXX and found that they do not have my payment because the merchant bank resolved the transaction as invalid due to insufficient documentation. 
4 ) Approached the merchant bank in XX/XX/XXXX. The merchant bank opened an investigation and confirmed that they credited the card holder account on XX/XX/XXXX.

5 ) Approached my credit card company and shared the above information. Their letter dated XX/XX/XXXX says " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 
6 ) The merchant does not have my payment. The merchant bank says they credited my account on XX/XX/XXXX. My credit company says they did not get the credit. Who is having the money for the payment I made? My credit company can not close the investigation without addressing this.

I already opened a complaint ( XXXX ) but this is additional information to that complaint.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC I am not liable for this debt of {$980.00} with LVNV FUNDING LLC, I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested my wet signature and ID verification. 
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

In XXXX, Lowes in-store credit card began charging {$1.00} a month JUST TO PRINT MY INVOICE. The only alternative is electronic which requires me to print it myself, effectively shifting this cost-of-doing-business expense onto the customer. 

The supposed notice was never received and in any case is a fait accompli as consumers have no reciprocal rights to change terms and conditions. 

Is it legal for them to do this?
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

On XX/XX/year>, I was told that my Citi bank account is being closed and has a hold on it. I need to withdraw my funds. I have a local branch I can go to. To withdraw my funds.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of XXXX not updating my file
Consumer complaint received 2024-07-04
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

In my second complaint ( XXXX ), I asked a third party to look at the issue impartially. I didn't need a response from the company I was complaining against because they had ill will toward me. In their response, they even said, " We may close or suspend your account for any reason or for no reason. '' Such a statement allows them to open a window to harm customers. 

The grounds for my complaint are as follows : I have several XXXX XXXX XXXX. Why didn't other XXXX XXXX XXXX didn't close my accounts but only this XXXX XXXX XXXX XXXX closed my account? I have strong reason to state that this credit card company aims to abuse my situation, harm my interests, and harm XXXX 's business as well. So, I seek the CFPB or another third party to give financial protection and settle this issue. I don't want to hear any more from this credit card company. Thanks for the CFPB 's help.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CT)

This complaint to JPMCB AUTO for allowing fraudulent account on my credit report. As I checked my recent credit report, the fraudulent account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers XXXX