davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

I called in to make a payment and got 3 different payment amounts from 3 different representatives. One told me my balance was {$1000.00}, another told me my balance was {$1500.00} and another one told me my balance was {$520.00}. When I spoke to the first representative I verbally expressed that I wanted my payment to go to the principal only and not the interest. That representative informed me that they would apply it to my principal only on a recorded line. The second representative said he would do the same thing after I verbally expressed to him that I wanted it to go towards my principal. After logging into kiafinance.com I see that my payment of {$1000.00} was not applied to only the principal as I requested on Kia recorded line. I also made a payment on XX/XX/XXXX in the amount of {$570.00} which wasn't applied to the principal at all but to the interest only. I have no other choice after this but to go to the FTC and make my complaint due to this fraudulent activity from Kia Finance America. I have also sent correspondence to the legal department and also the CFO of the company and the only response I keep getting is a computer generated letter that doesn't address the initial request within the letters I've sent. 

The Bureau found that Hyundai violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies that it determined was not complete or accurate, and continuing to furnish this inaccurate and incomplete information ; failing to provide the XXXX date of first delinquency on certain delinquent or charged-off accounts ; failing to modify or delete information disputed by consumers that it found to be inaccurate ; failing to establish reasonable identity theft and related blocking procedures to respond to identity theft notifications from consumer reporting companies such that Hyundai continued to report such information that should have been blocked on a consumers report ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also concluded that Hyundais use of ineffective manual processes and systems to furnish consumer information was unfair in violation of the CFPA. 



cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX XXXX  ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2023-04-18
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. (MA)

Communication via phone with Experian customer service last year ( XXXX ). 

I told them I believed I was a victim of the Experian hack on XX/XX/XXXX and XXXX, XXXX, due to not having access to my basic account to manage my security freeze online. 

I explained to them that I have yet to be able to access my limited Experian account via the website, which is preventing me from managing my security freeze or accessing my free credit report online. I called Experian to resolve this issue over three days and was on the phone for more than 5 hours with no resolution. It was even suggested by Experian customer service to create a new account with an email, the same way Experian customers were hacked on XX/XX/XXXX and XXXX, XXXX. 

My account has existed since XXXX ( I have provided my Membership ID and SSN ), and I could access my account in XXXX and XXXX, but customer service said my online account did not have any personal information, which I find strange. 

Also, I called today, XX/XX/XXXX, and was on the phone to resolve the issue with accessing my limited Experian account for over an hour. I was told my case was escalated before the call was dropped on Experians end. I will call back tomorrow to resolve the issue for the 5th time. 

Today, XX/XX/XXXX, I called the automated line to lift the security freeze on my credit file temporarily after supplying my data and security freeze pin during the automated process. I was transferred to customer service after verifying information via the automated system. The 1st customer service representative hung up on me. The 2nd customer representative stated that I needed an account and noted the same talking points as previous representatives. 

I asked both customer representatives to look at Complaint number # XXXX, so they could understand my frustration with Experian denying me access to managing my security freeze online and thru the automated phone system. It has been almost a year with no access or resolution to this issue. I am tired of my call being hung up and representatives dismissing my concerns ; I need to communicate with someone to assist me with this issue. 

Please resolve this issue as soon as possible because this prevents me from accessing my limited Experian account via the website.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (MA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

-- Company or Organization : COLLECTION Date fraud began : XX/XX/2023 Date that I discovered XXXX Total fraudulent amount {$300.00}.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report. 

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Consumer complaint received 2018-05-07
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)

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and Experian that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I had unauthorized transaction on my account. I needed to pay a bill and I called and let them know my card was lost and they asked me what my last transaction was on my account. I told them I paid XXXX XXXX bill. They informed me that there was multiple transactions on my account and started the dispute process. Only half of the transaction was credited back to my account and the other half was denied. The other charges started on XX/XX/year> the amount of those charges are XXXX, XXXX, and XXXX. Then the other charges on XX/XX/year> are XXXX, XXXX. Totaling of XXXX that was not credit back. I was never given an explanation and they also closed my account stating that it is to prevent other fraudulent transactions.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On XX/XX/2021 I had 5 different t unauthorized transactions on my account totalling {$710.00}. I immediately contacted chime about it and was told I had to wait until the charges posted to my account in order to dispute them. So I did. On the 10th business day exactly I get an email saying they have closed my claim and that is was being denied! I contacted the dispute department and was told that I had 2 options which were either provide more evidence or request documents that they used in making their decision but that I would still not be eligible for the provisional credit! This company is a scam and needs to be shut down IMMEDIATELY!
Consumer complaint received 2021-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

I have a mortgage with XXXX Lakeview Loan servicing LLC., I recently again had my payments raised and can not contact them. I have called and emailed them and have not had any results. Lakeview sent a letter stating that my escrow was short again due to the following reasons and why my escrow increased my mortgage payment. # 1. The projected amount at closing increases or decreases Closing was 5 Five years ago! # 2. Property taxes increase or decrease. I have a letter from my county stating my property increased in value but my taxes remained the same! # 3. Homeowners insurance increase or decrease. I spoke to my insurance agent and my insurance has not changed at all. # 4. Change insurance company I have not changed insurance company I have the same insurance company. # 5. We pay delinquent taxes on your behalf., I have not been delinquent on any taxes. So none of these reasons apply and I can not get any response from Lakeview Loan servicing LLC.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my Checking account with Bank of America account # XXXX was closed due to a check that was deposited in the amount of {$4600.00} which they felt at the time would not clear however after further investigation they could not find anything in regards to the check being fraudulent therefore the amount of {$4500.00} was released on XX/XX/XXXX to a special account with Bank of America which there after a letter shouldve been send out to me in regards to unclaimed property giving me the opportunity to claim These funds however when contacting the company Im givin nothing but the runaround and no information as to how to access the money or when I will receive it so I am in hopes that contacting you I will get elsewhere
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (TX)

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX XXXX XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CO)

In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer. 
Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness. 
When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith. 
In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers. 

It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution. 
I have documentation proving that they baited me.
Consumer complaint received 2023-01-06
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 (NY)

On XX/XX/2022, I purchased XXXX tickets with my XXXX Bank of America credit card. On XX/XX/XXXX. 2022, due to trains cancelation my tickets were refunded by XXXX back to my BOA credit card. On XX/XX/2022 XXXX transferred their BOA credit card to XXXX credit card. So my refund went to a closed account at BOA. To this day I have not received my refund. 
XXXX said that BOA accepted the refund and they can not give me a refund and that I have to contact BOA. I tried many times but BOA said that they never accepted the refund from the merchant ( XXXX XXXX Bank if America refuses to investigate my claim and since I am no longer their customer they hang up the phone. 
I have a claim with XXXX # XXXX and also a claim to XXXX, # XXXX. 
To this date XXXX  have not received a refund from BOA since they took over the BOA credit card and my refund of {$420.00} is in limbo somewhere.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

After the closing of US AUTO SALES I discovered my warranty that was paid for upfront was void. The monthly state insurance was never valid. Westlake financial is now repossessing my vehicle. I am unable to use my purchased warranty any further. Also, according to the county I reside in, my insurance was never valid. I contacted westlake once I became aware of them purchasing my loan. The representatives were extremely argumentative and threatening legal action. Their only offered solution is repossession of my vehicle. I asked to be transferred to the escalation team or a supervisor. I was denied that request multiple times. There has been XXXX communication between us auto sales since closing their doors. Westlake financial calls me roughly XXXX times per day. My entire contract was violated and now they are only offering the solution of repossessing the vehicle I paid for. I was never behind on payments with us auto sales. I have a XXXX  XXXX XXXX that was purchased in the beginning of XXXX. The most recent representative at Westlake financial laughed and berated me when I asked for the next steps or some guidance. When I requested further assistance he asked for what and stated he was unable to transfer me anywhere. He suggested I go and watch for the repo truck. I have been unable to reach anyone at US AUTO SALES for any help.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (PA)

[ Your Name ] [ Your Address ] [ City, Subject : Formal Complaint Against M & T Bank for Unauthorized Debits and Overdrawn Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint against [ Bank Name ] regarding unauthorized debits made to my account, resulting in my account being unlawfully overdrawn. 

I discovered an unauthorized transactions of XXXX debited from my account without my consent or prior notice. These transactions have caused my account balance to become negative, which has resulted in additional fees and penalties. 

I have attempted to resolve this matter directly with M & T Bank without success. Despite my efforts to seek clarification and a resolution, I have not received adequate assistance or a satisfactory explanation regarding these unauthorized debits. 

I hereby request your intervention to investigate this issue thoroughly and ensure that [ Bank Name ] rectifies the unauthorized debits and refunds any associated fees and penalties. I also urge the Consumer Financial Protection Bureau to hold M & T Bank accountable for their actions and ensure that appropriate measures are taken to prevent similar incidents in the future. 


I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue swiftly. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX -- - Ensure to enclose any relevant documents such as bank statements or correspondence with the bank to support your complaint. This helps the Consumer Financial Protection Bureau investigate and address your concerns effectively.