davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

Attached please find the important information pertaining to my case. 
NOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California. 

1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so. 

On XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did. 

KIA Finance America is charging me {$14000.00} for Early Termination Fee. 

2. On XX/XX/XXXXXXXX  I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

There is a fraudulent account reported on my credit file. Account Name : JPMCB Card  Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (GA)

A correspondence purporting to allege a debt claimed by : Zwicker & Associates, P.C A written notice was sent as a response to Zwicker & Associates, P.C to their Fair Debt Collection Practices ' Act notice that Zwicker & Associates, P.C are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that Zwicker & Associates, P.C " cease and desist '' collections activities prior to validation of purported debt and that Zwicker & Associates, P.C must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Ny truck was broken into on XX/XX/XXXX at XXXX XXXX in XXXX. I filed a Place report the next evening because 1 Chase Debit Card Ending in XXXX, One Chase Debit Card Ending in XXXX and a Chase Credit Card Ending in XXXX as well as an insurance card, misc items were stolen, including a note book with my pin numbers and password. I also contacted Chase on XX/XX/XXXX about the stolen cards. The Gentlemen who took my report, apparently filed it under lost, even though I clearly stated my notebook with pins and passwords were stolen. I found out 4 unauthorized transactions were made, so I was given a credit on each account XXXX of XXXX and XXXX, He account had {$400.00} taken from it. which was reversed the next day. I called and spoke to a representative who said that it was misfiled and she then took all my information again. I was told that I should go to my local Chase Branch and send a copy of the police report, via fax, the branch would do. An Officer called me and she thought my 'chassis ' was atolen but explained no CHASE cards. She sent me the police report. I went to Chase and faxed over. I called chase and was told that wait 3 to 5 business days for them to examine report. Called back, on XX/XX/XXXX and was told they had not received reports. Give it another few business days. No reports. I received a letter XX/XX/XXXX and then XXXX from account XXXX and XXXX the claim would be closing due to pin number being used. I called and they said they only had paperwork on one account, I needed to resubmit for the other. I kept telling everyone I spoke to that my Pin number was in the notebook that was stolen. So were all my passwords not just for Chase bank but my XXXX all those things. When I went to leave for Chase to resubmit paperwork, found XXXX with no envelope in mailbox. Drove to chase, resubmitted police report. Called Police to update report as neighbor seen someone near my mailbox around XXXX, I did not know this until I returned home. I left I believe around XXXX, not positive. My Neighbor XXXX XXXX who again seen this person as he walked by while we were on the phone. I called Police officer with info, she stated not to jump to conclusions. His Wife seen same person near my fence calling my dogs name. I called Chase was told to call back Saturday for Update. Called Promptly Saturday XXXX and was told to call Tuesday. They told me they did not have information for one of the accounts again to resubmit both for investigation. I did. Meanwhile They have taken the money back out of my account AGAIN because they say my pin was used, even though i explained my pin and password book was stolen and it clearly is explained in police reports. I am overdrawn and chase keeps saying since your pin number was used on the transaction and WAS not written on your card, it must have been authorized. I have explained over and over multiple times my password and pin book was stolen from my truck. I am a victim of identity theft. PLEASE HELP!!!
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX. I sent a wire to title company on the date of XX/XX/XXXX. 
After a few hours I was told that it had been completed. Two days later however the receiving bank still has not received it. 
I spoke to MULTIPLE call agents, In the online banking department and in the fraud department to figure out what was going on. Absolutely No one informed me that my wire was being held up because I needed to verify my fathers identity. Not only his identity but his place of birth and nationality. Why? because his name was in the memo. Only my fathers name was flagged and not my husbands. My fathers name is XXXX XXXX and my husbands name is XXXX XXXX. I absolutely feel like it was held up due to the discrimination against my fathers name. 
I was on the phone with your customer service representative for over XXXX hours trying to figure out what was going on and all I was told was that it was completed. When I asked to be transferred to the wire department I was told that they would not take my call. So I hung up and immediately called them directly and thats when they informed me why it was being held. After 3 days of calling and XXXX hour long phone call NONE of your other representative told me this. ABSOLUTELY NONE. I went into the bank today to verify as i was advised to by your representative and AGAIN i was told the same issue that they have no idea what is going on and why. My funds still have not been released, They can not provide me with a Federal Reference number that I have requested MULTIPLE times. 
If I had been told by any of your representatives that the reason my wire was being held up was because I needed to verify my fathers identity and his immigration status I would have done it IMMEDIATELY. 
I was wiring funds to a title company. The fact that your company chose to hold my funds and flag my wire simply because of my fathers name is absolutely discrimination. There was absolutely no hold or verification needed for my husband whose name sounded white. But since my fathers name sounded XXXX it was held. 
Your customer service representative have been less then helpful and ive been given the run around for 3 days! 3! This is absolutely ridiculous. I was scheduled to close on my house XX/XX/XXXX and send the funds to close on XX/XX/XXXX! Had I known the reasoning behind why it would have been resolved the same day but absolutely NONE the customer representatives are on the same page and can tell me where my money is. Im told by one representative that its completed just to be told by the wire department that its flagged and I need to verify my fathers identity.
Consumer complaint received 2024-05-21
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: OneMain Finance Corporation (PA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress and will continue to do so until it is resolved.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC. (MD)

We closed XX/XX/2023 with New American Funding ( NAF ) on our VA loan and VA renovation loan that we were told by the NAF Loan Broker that we had to combine together and not separate them and apply for the VA construction loan later. We selected a contractor and NAF dispersed the first draw of over {$100000.00} to them in XXXX XXXX to request permits and start the needed renovation. The contractor has not requested the permits needed or did anything else to start on the needed renovation and NAF has not required them to provide updates or receipts. 
We are both are retired XXXX veterans, and we can not live in the new VA loan house until the hired contractors renovate it completely and to date, they have not started, and we have to pay to mortgages that is causing hardship.
Consumer complaint received 2023-11-01
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX in credit reports is a violation of federal law, its illegal to have it on there. 

XXXX. My court cases are not lines or credit or credit based, those should not be on my report thats also a violation of federal law. 

XXXX. I did not go through with bankruptcy, my attorney had me file but we cancelled it before it could be finalized so clearly I never went through with it. They just decided to add things to my report in 2023 from years ago that is trying to sabotage my report and XXXX suing Experian for it. They are trying to mess with my life and I wont stand for it XXXX bringing them up on fraud charges, the information is not credit based and should not be on my credit report.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (ME)

My yearly taxes were due in XXXX of XXXX in the amount of {$1300.00}. The company states they paid {$440.00} on XX/XX/XXXX which was late cause they are due on the first but the Town is stating that they have not received this payment and I still owe full payment. I asked for the receipt of the {$440.00} to show the town but the company will not provide that to me. I get the run around, as of now I have a lien on my property all kinds of money in my escrow and my taxes aren't getting paid. When I look ahead to XXXX of XXXX the same scenario is going to happen cause they only seem to have XXXX going out for my taxes in my escrow analysis even after talking to them about it. I also just received a letter about my house being foreclosed on by the town on XX/XX/XXXX 2024
Consumer complaint received 2024-04-21
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. (OH)

On XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX XXXX Acct Number : XXXX reported late payments to my report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not to be included on the consumer report yet this information is being reported to my report.
Consumer complaint received 2023-09-01
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)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXXXXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX : {$520.00} XXXX XXXXXXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX  {$990.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00}
Consumer complaint received 2023-12-05
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My mortgage escrow payment is {$400.00} per month, totaling {$4800.00} per year. This escrow account in non-interest bearing. 

My taxes are {$100.00} twice a year.. Property taxes will increase in the future, date and amount undetermined at this time. My property insurance is {$550.00} annually. This amounts to {$770.00} per year. 

I am overpaying into escrow {$4000.00} per year. I have requested the mortgage lender to remediate this amount, as of my call today ( XX/XX/2024 ) they are unwilling to. 

This excessive escrow payment prohibits me from using these funds or to recognize a reasonable interest rate of return. 

The Mortgage Lender is Lakeview, XXXX XXXX  XXXX, XXXX  XXXX, VA, XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX XXXXXXXX XXXX XXXX  replied back with a letter stating that the account is closed from their active collection files but the collection still remains on my equifax credit report. since the account is closed. i want the account removed from my credit report immediately thank you
Consumer complaint received 2023-07-27
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. (PA)

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 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 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NY)

After reviewing my EWS report I notice a XXXX account I am not familiar with. I notice a XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.
Consumer complaint received 2023-12-05
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. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Fail to comply with the fair credit act, the law keep the credit report updated on the monthly basis as the law requires Fail to comply with the fair credit act, the law keep the credit report updated on the monthly basis as by law requires, failed to verify my credit card balance failed to verify my credit card balance The law requires my credit card, information and credit card usage to be updated on a monthly basis as the law requires Experian failed to keep my credit card information up-to-date since the first dispute that I found on my student loans in XXXX, XXXX and XX/XX/2023 Requires that I found one dispute. I will not comply with no mail. I never gave you permission to send out my personal information against my will, without my consent that is against the law. 

You dont do what the XXXX you wan na do with consumers credit reports. If I never requested my credit report, you shouldve never sent it out without my consent on my permission as the law requires. 
Do your XXXX job verify this XXXX XXXX or remove it and fax of the fax you can not verify because its not accurate information you XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (AR)

I recently received notice from my current employer pertaining to a Writ of Garnishment filed in the Civil Division of the XXXX XXXX XXXX XXXX XXXX  This was electronically filed on XX/XX/XXXX. My company received the Writ more than 45 days after filing. 

An original disputed debt from XXXX or before was made known to me, during which time I contacted the debt collection agency and requested original documentation. I never received documentation, but continued to receive multiple phone calls after the collection agency was told to cease and desist. This case was closed per the circuit court public records. 

The debt was apparently sold to Absolute Resolutions, who in turn has filed for the Writ of Garnishment with their attorney 's XXXX XXXX XXXX XXXX XXXX. I have not received any original documentation of the debt, with verified signatures. Nor does the debt show up on any of my credit reports. 

An affidavit of the above information is being filed with the Circuit Clerk of XXXX XXXX XXXX  on this date, XXXX XX/XX/XXXX. Pursuant to Fair Debt Collection Acts in Arkansas, this debt would have been considered past the statute of limitations. 

Furthermore, if the court were to find me liable for a debt which has not been proven in a timely manner, it would cause catastrophic financial hardship.