davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (OH)

Received buyout quote from XXXX XXXX. As instructed by XXXX  customer service, paid the full amount in two electronic payments because their system had a limit for single payment below the buyout amount. The amount was paid well within the amount of time required for the buyout to be valid. 

Ive confirmed with XXXX  customer service that payments were received, and they also show in my XXXX  account online. It appears though that the payments have not been properly applied to buyout and the account remains active and therefore they will not release title. 

Finally, even though XXXX customer service indicates account is still active, which is why title is not released, XXXX  has reported to credit agencies that account is has been closed. Ive verified this through a credit monitoring service I use. 

The payments for the lease buyout were posted to my lease account online more then 30 days ago. I contacted them first about 2 weeks after that to determine when I might expect to receive title. This is when I first learned that there was a problem. XXXX  never once contacted me. Since then, Ive contacted XXXX  many times. I was told they do not have the ability to communicate any updates out to me, so the only way I can find out status is to call back in. Ive done so multiple times and talked to multiple people. So far everyone agrees that buyout is fully paid, they have all other required documents and account should be closed and title released. But, no one can actually confirm with department within XXXX  that is responsible for doing this that this is actually happening.
Consumer complaint received 2021-06-17
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. (MS)

On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

I had a check mail from my account on XX/XX/XXXX and it never made it to the recipient. My account was closed shortly after. The check was sent back to the bank and on XX/XX/XXXX when I got in contact with them to let them know what happened I was informed by XXXX, " a leader in Chime 's escalation department '' who stated that that a check would be expedited in 1-3 business days. I heard notihng form that date and would send an email every few days with a generif response returned. On XX/XX/XXXX XXXX informed that a check was requested on XX/XX/XXXX and that due to CoVid there may be a slight delay. I had made contact again on XX/XX/XXXX and got the response that it was still being processed. Everyday after that I emailed requesting an update and got the same response. on XXXX I sent an email requesting to speak with management about this issue that was going on and the gentleman that responded ( XXXX from the escelations team ) stated "! I truly apologize for the delay in your check, as looking over your case 's details I can indeed see no reason why it should not have been sent yet. All I'd need to send it as soon as I receive your response would be confirmation that your mailing address hasn't changed '' Confirmed with him no change and then we basically started the whole process all over again. 
XXXX wrote " I looked into your account and was able to confirm since the timeline to get your closure check has been already passed we requested to have a new one to be expedited to the address on file ; it usually takes up to 5 business days for it to arrive once it has been shipped via express, as yours did '' Using the phrase " as your did '' would mean to me that the check had been shipped via express and should arrive in 5 days. However as of today XX/XX/XXXX I am still getting that the check is in processing and has not been mailed yet. While i understand first hand the severity of the CoVid 19 virus, that is not the culprit here. The check was originally mailed to the individual on XX/XX/XXXX with no issue at all, and there should be no issue with it being sent back out to me, other than I am no longer a customer with them so they have nothing to lose by taking their time. I need the {$4500.00} that was supposed to be here 2 months ago, and I need it now. I do not have any more time to wait or I am going to lose my vehicle.
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: SLM CORPORATION (LA)

Sallie Mae violated Federal law by violating 15 U.S. Code 6802 and 1681a. They did not give me a non disclosure options as required by federal law in 15 usc 6802. They also did finished transaction information on my consumer report that is excluded from my consumer report based on 15 usc 1681a ( 2 ) Exclusions.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I am unable to request my annual credit reports from XXXX and Equifax. ( XXXX  works fine. ) XXXX wants me to mail a request form which is a hassle but reasonably acceptable. 

Equifax wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Subsequent to the Equifax breach in 2017, I asked all the agencies to freeze my credit file. 

Recently, in order to obtain credit for a home refinance, I asked all the agencies to unfreeze my file. All but Equifax have complied with my request. 

When Equifax implemented the freeze in 2017, they sent a letter stating what would be required to unfreeze my file when that time came. I complied with their letter in every respect when requesting that my credit file be unfrozen. Equifax has come back to me several times to request additional information. 

Again, I have complied in every respect with the requirements specified by Equifax when my credit file was frozen. I have even provided some additional information to confirm my identity. 

Recently I received another letter asking for the same information I have already provided ( my driver 's license ). 

I certainly appreciate the importance of confirming the identity of a requestor in a situation such as this, however, I have complied with their requirements, I have provided other information that will further confirm my identity and I have corresponded with the company several times about this matter - all to no avail ... and I still am unable to access credit to refinance my hoime.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-02-28
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to Experian, XXXX XXXX XXXX without response.
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VA)

Selene Finance took over the servicing of our mortgage payments in late XXXX, and almost immediately raised our monthly payments by over XXXX  % ( from {$3700.00} to {$5000.00} ). This was mostly due to a unilateral change that Selene made in the escrow collection agreement that led to an overall escrow shortage of just over {$11000.00} ( a {$7000.00} shortage caused by Covid-related forbearance had been distributed over 60 months by the previous servicer, but Selene opted for immediate payment when they took over the loan ; unbeknownst to us, our homeowners insurance premium had also been increased by over {$4000.00} ). After filing a complaint with the CFPB and XXXX, Selene did adjust the monthly payment to {$4200.00} ( an increase of about 15 % ) but this was only after we were several months behind on mortgage payments. We were encouraged to apply for mortgage relief, but Virginia Mortgage Relief denied our request since the purchase price of our home exceeded their maximum ( we purchased our home in XXXX  XXXX, just before the crash ). 
Having dealt with Selene for the last twelve months, we have become increasingly convinced that they have no interest in good-faith negotiation. For instance, we applied for a loan modification, but after Selene dragged its feet on our application for three months, they returned an offer with a monthly payment of {$5100.00} ( an increase of about 37 % ). Consequently, we decided that our only option was to reinstate our loan.

Pursuant to that design, we sent a letter to Selene on XX/XX/XXXX, requesting an updated escrow analysis so that we could get an accurate reinstatement quote ( we had drastically lowered our insurance premium in XXXX and notified Selene of the change ). Selene refused to perform an off-schedule escrow analysis in a letter from them dated XX/XX/XXXX, and did not order an escrow analysis even though we sent a written request on XX/XX/XXXX, via certified mail and email. Selene finally ordered the escrow analysis on XX/XX/XXXX, after I submitted a verbal request to customer service and a new email request on XX/XX/XXXX. 
In the meantime, however, Selene has resumed the foreclosure process, and we were notified on XX/XX/XXXX, that our house will be subjected to a foreclosure sale on XX/XX/XXXX.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$120.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2021 I was at the XXXX XXXXXXXX XXXX In XXXX XXXX stranded when I tried to use my American Express XXXX, and they all declined : On XX/XX/2021 I went online to pay my bill and the system would not allow me to pay American Express, so a few minutes later I saw a red dot, and the word cancelled on all my accounts, the bills were not due until the XXXX, called them to pay them over the phone, and was treated like some type of a thief the agent took the payment and said hold on, there is a note that says '' call the banking institution to make sure funds are available, I was a shame that and my XXXX XXXX jump to XXXX because of the embarrassment, the agent was asking the bank agent did I have money in my account and the bank agent was asking me, is it okay to answer, I was told humiliated and when I asked the cancellation the department why would you all do this to me since I ve been your customer for over some XXXX years, after i explained to him I had been almost killed by XXXX, and that the XXXX account that was used probably was the one cancelled by error after I had complaint to them that i never received the new debt card that had been since to me prior, so they cancelled it for me, since I was in florida with my daugther from XXXX until XXXX due to her illness. I was told that they looked at my fios score, without my consent, and they notice a lot of hits, that I had no knowledge of, I did explain to the agent that XXXXXXXX XXXX had contacted me about fraud on my account and it was handled with professionalism
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (SC)

I have made three attempts to pay my credit card through their online bill pay using my checking account number. The second time, I verified the numbers and tried again. It went pending for six days, which took me past the 30 day mark and added a late fee when they claim that the checking account number was wrong. They then instructed me that I could pay over the phone for a {$10.00} charge. They also refused to waive the late fee. I reentered the checking account number for the third time, had my wife look over it, and submitted two payments plus the late payment. It pended until it was late again. Now I am trying to get in touch with Continental finance to get this card paid off and shut down and they " can not locate my account ''.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been an Authorized User on my Step Son 's account for about 2 1/2 yrs. And The 3 credit Bureaus TransUnion, XXXX and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXX  length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I dont Know About The Inquiries 
Like.XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
Can You Please Delete It 
This one Is ID Victim
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On the XXXX of XXXX, I send XXXX usd from my XXXX account to XXXX. My XXXX  account shows that XXXX successfully received it, and XXXX customer service staff confirmed this. But XXXX claims the didn't, but doesn't even do any tracing with numbers provided to investigate the issue. I only get generic answers back. 

They say they could not receive a usd transfer as that account doesn't support it, and that's why they refuse to investigate. So even when I tell them that XXXX confirms a successful payout to XXXX, it falls on deaf ears.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2021 XXXX I walked over to wells Fargo as instructed by the representative that answered the phone. The direct branch was called XXXX. My good friend had a XXXX  XXXX and is in the hospital. My friend Mr. XXXX XXXX wrote a check to me. The representative that answered told Mr. XXXX that I can come to the bank with two forms of ID and debit card. I have now been sitting here over an hour. Whom Mr. XXXX spoke with will not speak up as the person whom he talked to. I have him on standby and then had him call the bank. The check is for {$2500.00} to me I brought my ids and Mr. XXXX called but they are not cashing it They ate not even addressing me. I am an upstanding XXXX XXXX. I am being treated like a criminal. I don't like the looks I m getting and nothing is being done. I am tiny, blonde, I have XXXX XXXX  and I feel like I am being judged. As I sit here no one is addressing me we are going on 2 hours. The check is made out to me I have ID. The check is real and not fraud. I feel this is being done because of how I look. 
I sat there fir three hours and in the end treated like a criminal. That check was 1000 % authentic. I had my IDs. The Manager came out to me in lobby after sitting there for almost 3 hours not being addressed at all. I can hear the comments and whispers yet not one employee has addressed me. The Bank XXXX comes out with check in her hand. She says to me. " I know for a fact that this check is fraudulent. You are trying to commit a fraudulent act in my bank. I am not honoring this check and we will not cash it. Then she flung the check in my face. I told her that the man who wrote the check is across the street in the hospital. I told her he needs to have some cash and was supposed to buy him some clothes. The Manager then again said the check is fraud we will not honor the check. I grabbed the check and told her the check was legit and I will be back. There were people in the bank and employee 's. I felt embarrassed I felt that I was being judged and I was treated like a criminal and I am not. 
The man who wrote the check who was in the hospital from having a XXXX and XXXX XXXX XXXX XXXX XXXX. He writes with right hand which means he cant write. I explained this to the Bank manager. The man Mr. XXXX XXXX called the bank to tell her to honor the check. She informed him that she can not cash a check without proper ID 's. I brought proper IDs. I was on the level. I was not committing. A crime and was not treated respectfully. I was discriminated and character was ( defamation ).
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NY)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.