davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

HMFUSA has again improperly applied my payments. I called customer service and they said they have fixed it and it take 3-5 business days for the changes to apply. Once I logged back in, the problem was still there and there was an additional mis-handling of my latest payment.

HMFUSA has improperly applied every single one of my payments  since XXXX. I have not had a statement since XXXX and payments are constantly either not applied, applied incorrectly, held until past due, or applied only towards interest when I request it be a regular payment or principal only ( additional funds are applied ).

This has gone on for 8 months. This company has not made a single proper payment has has not been properly correcting issues  since XXXX. This is fraudulent. Every remedy I pursue with the company to correct issues ends up in a dead end.
Consumer complaint received 2022-12-30
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (MD)

The company ( Aargon Agency ) calls me repeatedly ( 5 to 6 times in a row ) before XXXX at times. I have asked them to stop as well as called and told them i am currently disputing as well as working on a payment plan I since i am in fact trying to work things out ), also I am asking them to give me some time and not continuously contact me which feels like harassment. I am attaching phone logs below.
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

XX/XX/2000 an erroneous auto bill payment ( from Wells Fargo checking account ) was posted to a closed personal loan account ( was paid off earlier ). The money was never " Posted '' to the loan and nobody can tell me where the money went. I keep getting passed from department to department.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

Early Warning Services has refused to provide me with a webpage that allows a consumer to request a security freeze, in violation of the Fair Credit Reporting Act 605A that says : A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; Fair Credit Reporting Act 605A also says, You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' There is no exemption in the Fair Credit Reporting Act that exempts Early Warning Services from this federal requirement.
Consumer complaint received 2022-11-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Porsche Financial Services, Inc. (FL)

On XX/XX/XXXX, I purchased a XXXX XXXX vehicle. I offered a XXXX XXXX bus in exchange. A Payoff was requested from XXXX and sent to XXXX XXXX on XX/XX/XXXX, to be paid by XXXX XXXX. The dealer promised the customer to pay before XX/XX/XXXX, as there was a pending payment. On XX/XX/XXXX, I received an alert from XXXX marking XXXX late. I go to XXXX XXXX to inquire about the payment and they show me evidence that the payment was sent to XXXX. I contacted XXXX and they told me that they had not received the payment. I went back to XXXX XXXX to investigate the payment and was told that they had to send a new check because it had been lost due to XXXX XXXX. They send a check again and XXXX receives it and it took a long time to receive it and they marked my XXXX credit as 60 days late. Today I contacted XXXX to explain the situation and they told me that the customer is the only XXXX responsible for the payment. The situation has caused damage to my credit report because they did not meet their responsibility to pay on time. XXXX XXXX expressed their apologies to me, but that they could not remove the marks. I am requesting assistance because I acknowledge that there was a pending payment and that it will be paid on XX/XX/XXXX. I trusted XXXX XXXX to send the payment. I have always maintained excellent payment with XXXX and I am surprised that they can not accept the mistakes and accept the apology from XXXX XXXX. and they prefer to affect a compliant client. I am requesting that XXXX and XXXX be removed from my Credit Report, or the Credit Bureaus account removed. I will appreciate any help you can give me as the Services I received from XXXX was arrogance in not being able to understand that there was a situation that I had no control over. I am surprised by the lack of sensitivity received, since I complied with what was agreed, it was also my second paid vehicle. XXXX XXXX staff are arrogant and have little knowledge on how to treat their clients. I acknowledge that I am responsible for all payments, but can not be held responsible for the failure of others.
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX  XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX XXXXXXXX {$1000.00}
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (OH)

XXXX payment was missed on its autodraft date and a retry payment was made before the 15 day grace period expired. Two bank statements and the trace number to prove this have been provided. I have spoken with possibly 20 people since XXXX all of whom have said they would escalate the issue, who said they see the problem because there was a change over in systems and my XXXX payment did not post appropriately to my account. The result has been constant rollover and over 4 months of phone calls. While the front line account reps have tried to help, each and every attempt at an escalation to a supervisor has failed.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I received a letter indicating that the Home Depot XXXX card had been overpaid {$540.00} probably 11 years ago when I last used the card. 
I called the company and asked that any overpayment be refunded. The refund was made. 

In XX/XX/XXXX I received a statement saying that I made a purchase of items that I was delinquent on. I have never used the card in 11 years and Citibank admits no purchase or other use has been made in those 11 years. 

I complained to their fraud department, legal department and consumer complaint department at the administrating Citibank. 
Now they have begun to call me as if I owe them money plus interest and when I ask them to investigate they have no explanation.
Consumer complaint received 2020-08-05
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. (NY)

Experian credit bureau is reporting me late for XXXX, XXXX, XXXX and XXXX of XXXX for XXXX XXXX. Account was closed XX/XX/2020. I spoke with XXXX XXXX who said they did not report me late. I provided documentation to Experian to have account information adjusted such as bank statements and the account closure letter with date. My information was not adjusted and they are stating the dispute is complete.
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MN)

I had a previous complaint for the same company XXXX. The issue has NOT been fully resolved. When I log into my account on their app it says the current amount due is {$0.00}. However when I look at the paper statement it says XXXX different amounts. It says my regular payment of {$320.00} then below it says current amount due {$290.00}. They have several XXXX XXXX XXXX XXXX links that show a phone number to call but you can not reach a human. You literally have to send an online message, then wait for a response from them telling you to call a different number with an extension. It is completely inconvenient when I'm getting incorrect info from all areas. This company is a joke. It seems they are providing incorrect info so they can charge people fees and make their money that way.
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

ON XX/XX/12 I sent a dispute to the reporting agencies and all have come back as verified. 
On XXXX I sent a Method of verification letter to the reporting agencies and didn't get any response from any of the reporting agencies. Then we received a letter from a law firm stating that we needed to respond to the court case. We sent our response to the court and refused the debt. I have not received a court response yet but we did received a letter from the lawyer saying she wanted to settle the debt.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (GA)

My father has an account with the NC State Employees Credit Union. My brother was on the account as power of attorney. After my father passed on XXXX XXXX the credit union allowed withdrawals until XXXX. I became the executor of my father 's on XXXX XXXX the same day i came into the credit and asked why these withdrawals were allowed and what were they going to do about it. I was told they would have to look into it. After no response i also sent an email. After months i was told since i did not question this with in sixty days. there was nothing they would do.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2020, I sent Equifax a letter with social security card and proof of address enclosed, allowing them the opportunity to remove inaccurate personal information and only report my correct address, name, social security number, date of birth and even my employer. I did not wish to have any telephone number listed on my report. I did not receive a response, so on XX/XX/XXXX, I sent another letter asking for the same thing since they have refused to report my correct information for months. I enclosed my drivers license and social security card as a final goodwill gesture to allow them to only report my correct personal information and remove all other inaccurate information. I received a letter which is attached from Equifax on XXXX XXXX refusing to remove all inaccurate information unless I send in Category 1 and  Category 2 documents for verification ( these are both documents I already sent, my drivers license and my social security card ). At this point I feel Equifax is operating in bad faith, refusing to remove inaccurate information. They are saying my documents must include the mailing address of XXXX, Ohio even though I live in XXXX, Ohio ( All my dispute mailings and IDs have always said XXXX, OH ). On XX/XX/2020 they mailed a letter to my correct address in XXXX, Ohio ( attached ), While the letter on XX/XX/XXXX ( after my personal information dispute ), where they refuse to remove incorrect information, they mailed the letter to XXXX, OH XXXX and not XXXX as they did on XX/XX/XXXX. I feel they are acting in bad faith and I have proof attached.
Consumer complaint received 2020-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I called because i tried to move money. They refused to move money and says my account is frozen. I have verified all information to them. Name, XXXX, SS, Special code word. They say they will send a verification to my phone and the didn't. I ask them to send it to my email, they wont. I have spend hours on the phone. They say they will call back they never do. This has been going on since XX/XX/2023. Please help!!
Consumer complaint received 2024-02-26
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. (TX)

I sent a letter on XX/XX/2022 to Experian. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?
Consumer complaint received 2020-09-27
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 have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

Could you explain this please? All you said was this! 
Company 's Response As a rule we send deletion requests to XXXX   credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX. 

Look at the file I sent you proof showing this I mean your statement do not make a lot of sense! There it is in black and white you need to remove from my credit file tsend me a copy of your E Oscar reports for XX/XX/XXXX - XX/XX/2019 for proof or delete the account!!! Thank you
Consumer complaint received 2020-08-05
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: ALLIANT CREDIT UNION (IL)

My Alliant Visa has been charged numerous times from XXXX without any form of receipt documenting what these charges were fo and I did not authorize these charges for unknown merchandise or services. I have contacted XXXX repeatedly and they are unable to provide any substantiation for the charges. 

The same thing happened with XXXX, though there were only two unsubstantiated transactions. 

I filed multiple disputes for these transactions and was contacted most recently by XXXX XXXX, who apparently refused to honor the disputes because he demanded the logically impossible from me : " proof '' that these were not valid transactions.
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Dear Sir, Ma'am Greetings, As a XXXX XXXX, and due to the Covid pandemic, in addition to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went through, I was not able to keep up my mortgage in the property located at XXXX XXXX XXXX, XXXX XXXX XXXX  I was placed on VA approved forbearance plan for XXXX months. 

However, I needed a six month-extension for my forbearance plan while I am collecting the money to become current in my mortgage. 

The VA administration issued the circulation XXXX XXXX to grant all veterans an addition six months for forbearance plan totaling eighteen months. I engaged my loan servicer ( Freedom Mortgage ) to request this VA approved six-month extension. 

But Freedom Mortgage denied my request. Freedom Mortgage said your loan lender ( XXXX XXXX ) approved Freedom Mortgage 's rejection to my request of the six-month forbearance extension. 

During my phone conversation of XX/XX/2022 with the XXXX  XXXX XXXX XXXX XXXX. She informed me that my mortgage account was unjustly referred to foreclosure proceedings. She added I and all veterans were granted that six-month extension by the Department of XXXX XXXX. 

XXXX XXXX, also, advised that I file a complaint with Financial Consumer Protection Bureau because Freedom Mortgage violated my rights by their decision. 

Thank you in advance for your help and assistance.
Consumer complaint received 2020-08-05
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: AMERICAN EXPRESS COMPANY (NV)

I have to make a dispute for my account against XXXX, they have closed my account when i try to make an order so i shouldn't have been charged or received anything..there is four transaction that american express needs to understand, XXXX  closed my account and there no way for me to make a contact to them. I can't even send them a message. I want my money back! and I hope nobody else is going through what I am this is why I am here as well. 

I'm fighting against XXXX and I hope american express could understand. For my XXXX XXXX Card 1 ) XX/XX/XXXX XXXX XXXX {$230.00} 2 ) XX/XX/XXXX XXXX XXXX {$250.00} 3 ) XX/XX/XXXX XXXX XXXX {$210.00} 4 ) XX/XX/XXXX XXXX XXXX {$280.00}