davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I bought a new Hyundai XX/XX/XXXX and traded in my old Hyundai to the dealership who in turn paid the loan off with my car and additional money I had to give them. I was told I was getting an overage check from Hyundai Finance but never received it. When I called Hyundai finance they said they sent my check to the dealership by mistake. I called the dealership and they said they never received it. I was told by Hyundai finance that I had to wait 30 days and to call back to request a new check. I called back in XX/XX/XXXX and was now told that the dealership had to call them and tell them to send the check directly to me. I called the dealership several times and no one would help me out. I finally was able to get the comptroller of XXXX  XXXX Hyundai dealership to call Hyundai Finance to let them know to send me my check. On XX/XX/XXXX the dealership finally called Hyundai Finance to issue me the check. I was told I would get the check in 2 weeks. I called Hyundai Finance today XX/XX/XXXX and was told in the notes of my case it has that XXXX XXXX dealership called to request that Hyundai finance release the check to me and then it said that on XX/XX/XXXX an email needs to be sent to a manager and no check was issued. I asked the woman why wasnt an email sent to a manager and she said that they were waiting for me to call and request this. I asked how would I know that an email needs to be sent and she didnt have an answer.

I have been getting the run around from Hyundai Finance for 4 months and have been doing everything they requested me to do in order to receive my check and every time I speak to someone there they give me a different answer and the run around. Please help me get my money from them. I am a XXXX yrs old woman and I have never had any problem trading in a car and receiving my overage check. I really need that money so I can pay some bills. Thank you very much.
Consumer complaint received 2024-03-19
Product: Credit reporting 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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime (TX)

I initially obtained a loan in XX/XX/XXXX for a car lease for a XXXX XXXX XXXX, I obtained a loan from XXXX XXXX XXXX XXXX XXXX, as of XXXX it was changed to XXXX. I am in Predatory loan and need help out ; I am XXXX upside down in this loan from XXXX they were going to report me to the credit agency for {$27.00} yes XXXX dollars. When you ask for extension, they put so much interest on the deferred payment plan. I don't think I will ever be done paying for this loan, Please Help.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (LA)

Waited until all pending payments where made closed all automatic payments for utilities and such closed my account on XXXX apparently there was transaction through XXXX that was that was late to process untill XXXX with this account the bank open a checking 's account and my name and paid this bill not allowing the vendor the contact me I received a letter from regions Bank informing me that they had open a checking 's account in my name and paid the {$40.00} to XXXX i would be charged for insufficient funds I have taking care the XXXX bill but what my concern is places that i have had a one time withdraw XXXX has me on a automatic withdrawal even though I asked them to take me off so if they send this {$260.00} bill did that account the bank will open up a new account in my name and pay XXXX XXXX I no longer desire and charge me insufficient funds if there is no law preventing this from happening I suggest you create one thank you for your time
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I received a XXXX loan and it was deposited into my USAA account but was supposed to be deposited into my XXXX XXXX Account. For weeks I was unaware the funds had been deposited. The amount is XXXX. USAA refused to give me a close date and return the funds. They are refusing to return the funds to the treasury. USAA states they dont offer business accounts but my loan was deposited into my checking account but they are refusing to return the funds to the treasury or issue me a check. USAA never sent correspondence regarding my account closing, the account freezing or anything. I was never asked to furnish any documentation. I was approved for a loan by SBA and USAA is refusing to give me the funds. I was also told that if the issuing back requests it they wont guarantee they will return it.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NY)

This is not my credit card, I never opened this account and have tried to reach out to the credit card company numerous times and have never heard back! Ive tried calling, Mailing information to the phone number/address on there website. No one is fixing this and this card account was opened fraudulently!
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (MS)

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (KY)

I purchased a dishwasher from Best Buy. It was supposed to be on a payment plan plus free delivery and installation. The dishwasher that was delivered was the wrong one- it has a handle on it ( location in the kitchen is in a corner ). I have to have a dishwasher with a flat surface- no handle. Best Buy sales clerk ordered wrong dishwasher- Best Buy refused a return. I'm now stuck with dishwasher that I have to remove handles off cabinet doors to install and use dishwasher. I filed a dispute- received a letter stating I would be credited {$720.00} for the dishwasher. Now Best Buy says they were wrong, I'm liable for charge, one even said I wasn't reading the letter correctly. I even opened a second investigation- never heard back. Also - the installer damaged my home - he left - I had to have a plumber ( local ) install the dishwasher and Best Buy ( after many many phone calls ) agreed to pay {$200.00} of the {$220.00} charge and mailed me a check. Best Buy insisted I purchase an installation kit for ( roughly ) {$30.00} - my plumber said that was fraud, not needed, didn't use kit and I returned the kit for a refund to the card. Best Buy is insisting both of these refund amounts ( {$230.00} ) is towards the dishwasher- I am liable for the rest.
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (NV)

I recently sent letters over 60 days to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging affect on my credit report and score.
Consumer complaint received 2023-01-06
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. (OH)

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. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, has violated my rights. 

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 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

Because I recently put my life savings investments into BBVA I decided to go with BBVA for a loan to purchase a new home. The escrow was supposed to close today, XXXX, but underwriting has completely dropped the ball and failed to process the documents. I just fount out I was never provided required paperwork. The processor quit her job so someone else has had to take over. Evidently it's just been sitting idle on an empty desk. It seems they are making me start over when I was told I was approved for the loan and they agreed to my closing escrow date of XXXX. The sellers have already vacated the home and let for a another state. It now appears I may loose the retirement home I am trying to purchase because they can not fund the purchase timely. The problems appear to be in their XXXX, Alabama, Office. My realtor and title officer have been working tirelessly trying to get some kind of answers, but no one cooperates. The Mortgage Officer/originator is XXXX XXXX, unfortunately he can not even get proper response from the company he works for.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with your Company dated XX/XX/2021 and I extended your organization the credit for the account no. XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Update my account to paid as agreed and remove it off collections If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

This is a {$2.00} XXXX dollar 'pump and dump COVID-19 ' debt related securities fraud which parties include Citigroup , XXXX, and XXXX XXXX . This scheme was devised by the parties to use XXXX in facilitating international debt related payments from XXXX XXXX to third parties, which criminality falls under the RICO statute, or Title 18 of the United States Code, Section 1961 ( 4 ),  statutes of transnational COVID-19 organized crime. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (AZ)

XXXX  keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 as well as XX/XX/2020 there was a total of six unauthorized transactions that were posted on my prepaid account. Amounts all being {$50.00} USD and above. The company Bank Of America has done nothing to reimburse me my lost money or even allowed me to speak to someone. All they have done was close my account and I need my funds to be available to me this is ridiculous.
Consumer complaint received 2023-05-29
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Someone gained access to my PayPal account and make several unauthorized transactions ( {$1100.00}, {$110.00}, {$100.00}, {$86.00} ) to a XXXX XXXX and PayPal is trying to tell me that, a person who is not in my contacts, and whom Ive never had any interaction with before in my life, somehow fits my PayPal activity. Every other person that Ive sent him payments to via pay pal is in my contacts list. 

I disputed the transactions with PayPal but they have absolutely no consumer protection.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I received notification about a supposed debt from XXXX XXXX in XX/XX/2020 in the amount of {$800.00}. I have sent numerous certified letters to the collecting agency, Credit Collection Services in XXXX, MA requesting validation of the debt under my rights in the FDCPA. To date, I have not received any notification or validation of the debt, only continued collection efforts.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

Hello, A friend tried to deposit money into my Venmo account several weeks ago and he said that my account wasn't there anymore. He had made multiple payments to me in the past, the most recent one that went through was XX/XX/2022. The total amount that was in my account was {$200.00}. All deposits were made from XXXX XXXX in 2022. I had set up an account back a few years, but never used it until this year. The deposits were all made this year on XXXX XXXX {$25.00}, XXXX XXXX {$25.00}, XXXX. XXXX {$50.00}, XX/XX/XXXX, {$50.00}, XX/XX/XXXX {$50.00}. I never made any withdrawals from the account. I don't find any policy that says you have to withdrawal. I was planning to withdraw yearly, but I guess that plan hasn't worked for me and I do not plan on using Venmo ever again. 

The following is what Venmo sent me when I inquired and my money is not in the XXXX  XXXX XXXX, so far anyway. A most recent transaction of XX/XX/2022 doesn't seem like an inactive account to me. I also never received the emails they are referring to. 
Thank You XX/XX/2022 Venmo XXXX You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hi XXXX, XXXX from Venmo XXXX here. I'm glad you contacted us regarding your account status and I'm more that happy to assist you. 

I've taken a look into this situation for you, and we show your account was cancelled due to inactivity and there were unclaimed funds in your Venmo account. In situations like this, we send XXXX email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. 

Since the funds have already been turned over to your state, you will need to go through Utah 's XXXX Funds process to collect the funds you had in Venmo. 

Hope you are clear. If you have any other issues in the future, please let us know. 

Best Regards, XXXX XXXX | Venmo Support XX/XX/2022 Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hi XXXX! 

XXXX here from Venmo XXXX! Thank you so much for reaching out today regarding inactivity policy of Venmo. Let me help you resolve this concern! 

The escheatment process takes place when an account becomes dormant for a time period which is specified by state law, typically between three to five years.

I've taken a look into this situation for you, and we show there were unclaimed funds in your Venmo account. In situations like this, we send two email notifications before the funds leave our system. At this time, the funds are no longer with Venmo and the account has been closed. 



Since the funds have already been turned over to your state, you will need to go through XXXX  's XXXX XXXX  process to collect the funds you had in Venmo. 



Thank you for being a valued Venmo user. If there is anything else we can assist you with please don't hesitate to let us know. Have a wonderful day! 

Best, XXXX XXXX | Venmo Support
Consumer complaint received 2024-01-22
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

As stated in previous complaint I called in to XXXX to see if the report was answered from wells Fargo the agent stated they responded so the agent agency XXXX can't find my response to wells Fargo bank. As previously I have stated wells Fargo bank has not provided the accurate information