davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (GA)

HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % XXXX. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/XXXX. 

THE PER DIEM CAME TO MY ATTENTION AGAIN ON YESTERDAY WHEN I WENT TO SEE IF I COULD TRADE IT IN FOR A XXXX TO GET A CHEAPER RATE. XXXX XXXX STATED THAT SOMEONE SCREWED ME OVER ON THE PREVIOUS DEAL AND THAT I AM OVER {$24000.00} IN NEGATIVE EQUITY IN THE XXXX XXXX BECAUSE OF THE PER DIEM ON TOP OF THE YEARLY 8.25 % INTEREST RATE. 

I AM PAYING OFF THE XXXX THAT I PREVIOUSLY OWNED AND THE DEFECTIVE XXXX XXXX. I WAS CLEARLY UNDER THE IMPRESSION THAT I WAS CARING OVER THE NEGATIVE EQUITY OF THE CAR. 

IF YOU LOOK AT THE CONTRACT THERE IS NO MENTION OF HAVING TO PAY A DAILY PER DEIM FEE IN THE AMOUNT OF {$9.00}. I WOULD HAVE NOT AGREED TO THESE TERMS. IT IS THE SELLERS LAWFUL DUTY TO PROVIDE ALL COST THAT IS TO BE PAID IN THE CONTRACT. THE CONTRACT THAT I HAVE IN HAND DOES NOT MENTION, LIST, OR STATE DETAILS OF A PER DIEM. 

IN ADDITION I WAS UNDER THE IMPRESSION THAT XXXX XXXX WAS PAYING OFF MY XXXX XXXX XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX XXXX XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 28 DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX XXXX WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX XXXX XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to fixed this account so mant times why still reporting in my credit report? I'm not recieving any response from the bureaus. Please investigate this listed accounts below and remove it immedietely DEPT OF EDXXXX {$1900.00} XXXX XX/XX/XXXX DEPT OF ED/XXXX {$1200.00} XXXX XXXX XXXX, XXXX DEPT OF ED/XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$620.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm challenging these incorrect accounts on my credit file and asking for an investigation. Per the Fair Credit Report Act, I deserve {$1000.00} for each error. FCRA 605B mandates reporting any wrong accounts on a consumer 's report.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low XXXX. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX https : XXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my XXXX XXXX and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX https : XXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to XXXX XXXX, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

I was forced to transfer lenders from Great Lakes to Nelnet. In the process i have an email dated on XX/XX/2023 from Great Lakes stating " nothing will change '' referencing account values, removal of payment methods, quantity of loans, and interest values. However Great Lakes and Nelnet operate differently. Great Lakes maintains ( 1 ) loan with multiple " tokens '' beneath it. When you make your {$500.00} minimum payment, Great lakes applies it as appropriate across all tokens no matter their due date. Nelnet however, changed each token into individual loans. This forces a minimum payment against each new loan raising my required minimum payment ( in my case by {$60.00} per month ). This goes against the information provided by Great Lakes that nothing would change. In addition, Nelnet changed my payment method from standard to graduated without any communication from me. This new Graduated amount is still higher than what I was paying at Great Lakes. This changed after my information was transferred from Great Lakes to Nelnet.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I placed a complaint ( XXXX ) regarding fraud activity with my account in which I had been trying to rectify since XX/XX/year>. After numerous calls, complaints, claims, visiting branches, placing a fraud claim, I was reimburse some money back in XXXX. Since then, I have been trying to recover the rest of my money. Again, claim was denied even though the transactions were all done at the same time. 

The two transactions owe to me are a total of {$6200.00}, one of {$5100.00} and another of {$1100.00}. Once again, I placed another claim for the remaining amount owe to me and again claim was denied. Letter states that transactions were authorized. Transactions were transferred to an account that was already established to be fraud, an account that was opened without my authorization as a joint account which took place in California and I live in Florida. 

I was a faithful customer for over 20 years, the treatment I have received in trying to retrieve my money is unfair and unjust. This has cost me unnecessary pain and suffering. 

Attached are documents showing the transactions moved to the fraud account ending in XXXX from the actual account ending in XXXX and the denied letter.
Consumer complaint received 2023-06-16
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-06-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Collection Bureau, Inc. (CA)

1, The debt collection communication violates federal law. The debt collector, UNITED COLLECTION BUREAU, called me at XXXX XXXX, XX/XX/XXXX and left a voicemail. I complained to them about the time but they called me again at XXXX amXXXX  XXXX. XXXX, and left a voicemail. The evidence is attached. 

2, The debt doesn't exist in the first place. Per the agreement between my insurance company and the hospital, if the hospital submits claims late, they should eat the cost themselves rather than collecting from me. A statement from my insurance company is attached.
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a fully refundable flight on XXXX XXXX on XX/XX/2023 for {$720.00}. I later called the airline to cancel the flight, but I never got my refund. I called Capital One to dispute the charge, because I should have received a full refund. They issued a temporary credit, then later they received a response from XXXX XXXX. Capital One simply assumed everything the airline provided was correct, and denied my claim. Their letter of XX/XX/XXXX ( attached ) said they would reopen the claim if I provided them with additional information. I faxed them a copy of my itinerary, as well as the airline 's refund policy. These documents clearly showed that my ticket was fully refundable, and there would be no fees to do so. I received a form letter back saying they weren't going to do anything. Then on XX/XX/XXXX, I sent them another letter ( attached ), addressing each piece of information requested in their XX/XX/XXXX letter, line by line. They responded saying I did not provide the requested information, with yet another form letter. It's clear no one is even looking at the information I am providing, they just believe what the airline says. Capital One has solid evidence from me that the charge should be reversed in the form of letters and documentation. Someone just needs to read it.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I recently looked at my Credit report XX/XX/year>. I saw some hard inquires that do not have permissible purpose. 

I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I request that you promptly remove this unauthorized inquiry from my credit report. 

XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my FOURTH time reaching out to yall about these unverified accounts that are still on my TransUnion credit report. Im talking about accounts that shouldnt even be there, violating 15 U.S.C. 1681. This is unacceptable, and we need to get it DELETED out ASAP.

Now, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law to provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information on my report. This includes the business name, address, and telephone number of any furnisher of information you contacted. And youve got 15 days to get this information to me thats the law! 

Last time, yall told me in writing that you " verified '' these items. Alright, but who exactly in your company did this verification? How did they verify it? I need the name, business address, and telephone number of the person or business you contacted during your reinvestigation. Plus, I need to see the documentation you used to verify this dispute. Show me the evidence! And let me be clear : I expect to see my original contract with my signature on it. 

As of now, you have NOT provided me with any hard copy documentation showing that these accounts have been properly verified. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, you are required to promptly DELETE all information that can not be verified. The law is crystal clear on this point.

If you fail to comply, the Civil liability and remedies for " negligent noncompliance '' under Section 617 will be enforced. I am fully prepared to pursue litigation to protect my rights under the FCRA. 

I demand that the following accounts be deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Earlier this year following the loss of one of our primary income sources my husband and I applied for a loan modification. At the time of the modification request our loan was current and throughout the course of the loan which was originated in XXXX we have never been late. We were approved to enter into a trial plan under the HAMP FHA Program. As per the terms of the trial the payment was reduced to {$1500.00} with the first payment being due on XXXX and the last on XXXX. We were verbally advised by our Dedicated Loan Specialist at the time, XXXX XXXX, that the payments for XXXX and XXXX would be put to the end of the loan and upon satisfactory completion of the trial period we would be approved for a permanent modification effective XXXX XXXX. 
As per the agreement we began the trial period in XXXX however upon the review of my husband 's credit report we realized that we had been reported as 30 days behind for the month of XXXX. As previously stated at the time of the modification request our loan was current. Per Nationstar Mortgage Company because the modified trial payment was less than the contractual amount they were required to report the loan as delinquent during the trial period. This however is contrary to the servicer guidelines for XXXX and XXXX XXXX. Per those guidelines borrowers who are current on their mortgage upon entering the trial modification period should not be reported as late. 
In addition none of the conversations that we had with Nationstar or the correspondence that we received from them regarding the trial period advised that upon accepting the terms of the modification our current loan would then be reported as delinquent for the next several months during the trial period. Surely had we been advised of the repercussions of proactively seeking help during a period of financial hardship we would have declined the modification as our credit worthiness is much more important than a {$70.00} decrease in payment. 
We have contacted Nationstar regarding the matter and they have been less than efficient and expedient in providing a resolution regarding this matter. Nationstar advised that they would send out a letter to the credit bureaus rescinding the negative reporting and in addition a hold would be placed on the loan preventing any negative reporting during the trial period. After the satisfactory completion of the trial period they would retro report the loan as current. 
As to date Nationstar has only provided a letter addressing removing the negative reporting for the month of XXXX. We are still waiting for the matter to be handled fully to include any negative reporting for XXXX.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XX/XX/XXXXXXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX