davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am currently leasing a XXXX XXXX XXXX vehicle financed through Hyundai Motor Finance ( HMF ). I want to buy out my lease according to my lease contract, however the payoff generated through their website is attempting to charge me sales tax despite electric vehicles being exempt from New Jersey state sales tax. I did not pay any sales tax to the dealership and businesses are barred from collecting sales tax on certain vehicles ( this one included ) sold in New Jersey. 

I spoke with HMF on Monday ( XX/XX/XXXX ) and explained the law and that the vehicle was exempt from sales tax and they told me there was no way for me to buy out the lease without paying sales tax. I called back again on XX/XX/XXXX and spoke to another agent who asked me to forward documentation from New Jersey explaining the vehicle was exempt. On XX/XX/XXXX, I faxed them NJ form XXXX ( https : XXXX ) and a registration and titling document that I retrieved from the dealership, showing that no sales tax was paid and that it was exempt. 

I called HMF again today ( XX/XX/XXXX ) as I have not received a correct payoff information and I was told there was no way for them to generate a payoff form without sales tax and that if I wanted to not pay sales tax I would have to go through a dealership. However, no dealership is willing to assist me in buying the car without charging additional fees not stated in my original contract.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I am XXXX XXXX a renter at XXXX XXXX XXXX XXXX, CA. XXXX XXXX hasn't lived at XXXX since 3 years ago and she said that she is moving to Oklahoma sometime.So please don't send any more of her bills over here to my step son 's apartment.
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group (NJ)

On XX/XX/2023, I checked my credit report and noticed a collection from Waterfall Revenue Group on my report for an alleged debt for XXXX. I was never notified about this alleged debt before being reported to my consumer report. This company inserted information on my consumer report without any consent.
Consumer complaint received 2024-02-23
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. (CA)

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/2022 ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Consumer complaint received 2023-01-20
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX FL XXXX has been sending me collection notices in the amount of {$6300.00} {$4000.00} and {$3200.00}. The collection has been placed as past due balances. I do not know this company. I have never did business with this company l. This company does not have any legal binding contractual agreement with my name on it. I want this alleged debt Given back to the original creditor or removed immediately.
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase transfer to a FRAUD SCAM Brokers - XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XXXX XXXX - I filed a dispute with Coinbase.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I am and have been a XXXX XXXX XXXX XXXX XXXX veteran of the XXXX XXXX. Navient, the holders of my loan did not inform me I had the right to have it forgiven under the federal XXXX XXXX XXXX XXXX discharge program. When I informed them of the situation they up it under forbearance, then when that time was up they attempted to charge me, then extended it again for three months. I just now found the CFPB is filing suit for this practice. Please have this information removed from all three of my reports until the findings are satisfied. My account number with Navient is XXXX.
Consumer complaint received 2023-06-13
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. (TN)

XXXX INQUIRY : XX/XX/2022 THIS INQUIRY WAS PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I AM WRITING TO DISPUTE THIS ITEM ON MY CREDIT REPORT THAT APPEARS TO BE INACCURATE; UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO DISPUTE ANY INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS INCORRECT. 

ACCORDING TO MY RECORDS, THIS ITEM IS INCORRECT AND SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (GA)

I first want to say, I am highly disappointed and in shock that I even have to file a complaint on a company I thought held the upmost respect and honor of a consumer 's right. I feel disrespected and taken advantage of by XXXX XXXXXXXX due to the illegal violations and fraud that have been done with my information and in the simple finance charge contract. Below I will list what happened and how I was violated. 

On XX/XX/2021 I was in need of a vehicle and decided to go with XXXX XXXX XXXX and got a 2021 XXXXXXXX XXXX XXXX XXXX XXXX amounting in {$73000.00}. at the time of this transaction, a down payment of {$27000.00} was due, paid with a credit card. According to, 15 U.S Code & 1644 Fraudulent authorized use of credit card, I was violated. Car insurance was demanded as well before the car off the lot. That totaled in {$3500.00}. The monthly amount for this loan came out to {$1000.00}. According to, 15 USC Code & 1605 Determination Finance Charge, I was violated. I was desperate and in need of a car so I didn't make a hassle. After some months, my finances started to deplete which caused a-lot of mental and emotional stress. This lead me therapy! This matter also led me to do thorough research on my federal consumer rights. And again I am upset at the disrespect and the false deception of this contract.

I know these violations as goes against the truth and lending act, yet on the contract it says how the obey the TILA but actual or in-compliance. They can go to jail and be prosecuted for this. It's tax fraud, its embezzlement it's flat out illegal. I am hurt and I want help ASAP! 

Attached is all the documents, arbitration starts now!
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I do not have an account or a relationship with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

This in regards to the Auto Loan with Wells Fargo. The interest rate was exemptionally high. Interest rate was increased & series of threats to repossessed vehicle. Vehicle is XXXX XXXX XXXX 2009.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My Citizens bank check # XXXX dated XX/XX/XXXX for {$9.00} was stolen out of mail and forged for {$900.00} and cashed at XXXXXXXX XXXX Citizens then processed and paid the check to XXXX. I discovered this while reconciling my bank account on XX/XX/XXXX & immediately called Citizens and reported it, claim # XXXX. We also filed a Police report, case # XXXX. On XX/XX/XXXX I received letter from Citizens stating " we have determined that the check in question does not appear to have been altered '' along with a form to Declare Unauthorized Endorsement-Altered. On XX/XX/XXXX I filled form out and sent in all backup bank requested to prove the alteration of check, now it has a different claim # XXXX per the XX/XX/XXXX letter. Then called Citizens XX/XX/XXXX, XX/XX/XXXX + XX/XX/XXXX. On XX/XX/XXXX my local branch informed me that the home office didn't receive my documents. So my local branch faxed all of my documents. Called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX XXXX XXXX, chairman at Citizens called me and informed me that we would not be reimbursed for the forged check until Citizens is reimbursed from XXXX, the original bank that accepted check. I asked her if anyone from Citizens has been talking to XXXX about issue and all she said was we sent the inquiry. THAT's IT! We did nothing wrong here yet we are being penalized. The forged check is an obvious forgery per everyone that looks at it, Police and Local Bank XXXX. I have not heard a word from them since XX/XX/XXXX. We just want to be reimbursed the {$900.00} for the forged check that Citizens allowed to be processed without questioning the look of the check. Please help.
Consumer complaint received 2022-10-03
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: Bread Financial Holdings, Inc. (NC)

In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BERKSHIRE HILLS BANCORP, INC (CT)

Berkshire Bank received wire XXXX XXXXXXXX at XXXXXXXX XXXX. on XXXX XX/XX/2023. Their policy states that cash deposits and wire transfers are available immediately. However, they said it had to " process '' and the funds were not available the same day. This wire was a payment for a new vehicle which I was not able to get on a Friday and I sustained three days loss of use.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian is reporting debt that has already been removed due to timeline and validation of debt. 

This is against FCRA that a creditor cant keep asking debt that was never validated in time and then placing back on my credit. 

XXXX removed this debt and follow suit actions were previously followed by XXXX and Experian now debt is back on my credit illegally. 

XXXX XXXX XXXX {$4700.00}
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

There will be instances where I go to make a routine online transaction and the bank suspects it as fraudulent activity and freezes and puts a hold on the amount of money being sent and my account. I am having to call customer service and waiting from 20 min to an hour just for someone to talk to me. This has happened numerous times and has made me consider switching banks
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

We took a second mortgage out in XXXX. The agreement was for 240 payments of {$310.00}. The disclosure statement said that would cover the {$30000.00} principal and {$46.00}, XXXX worth of interest for a total of {$76000.00}. Interest rate was 11.521 % which I hear is outrageous but we were dumb at the time I guess. I'll admit it was a bad decision. We have paid every payment to date though. 

We are nearing the last payment which is XX/XX/XXXX and I asked for a payoff. I was told we would owe over {$9000.00} if it was paid off by our XXXX payment date. No one can explain to me why we would still owe this much when we have made all the payments. In XXXX we were forced to declare bankruptcy when my husband was XXXX and we had huge medical bills. The loan was not reaffirmed but per our lawyers suggestion we continued to make payments on it. At that time we were behind a few payments but we made an agreement to make up those payments and we did it. Since then we were rarely even late, and in the last 8 years have never been late. When we were late we always paid the late fee and we have always paid any other ridiculous fees they tacked on for things like them selling the mortgage to another company or sending us documents.. 

I requested loan histories from Ocwen, this company and another previous holder of the mortgage, Litton, and I can prove that we made the payments. A lawyer is looking over those now, but has generally agreed with me that when we make these final 6 payments we will have completed the loan terms. 

The mortgage has been sold a few times. The current holder is a company called PHH or XXXX, whichever they choose to use as a name on a document. It's a subsidiary of Ocwen, which was the previous servicer. In the last 2 years they continually claimed we were late on payments, even though we always made our payments 10-14 days early online. We had to call each month to get the late charges removed. When the payments were declared late that changed how the payment was allocated between interest and principal, making us pay more interest. I finally made someone understand that after I made an online complaint and they claim they fixed this going back to when they got the mortgage. But no one can still explain why that would leave such a huge amount at the end of the loan. 

I offered to give them the last 6 payments we owe for a release of the lien but they insist our last payment needs to be some {$7.00}, XXXX more than what the sum of those payments would be. We are senior citizens and I can not just give them extra money we don't owe to get the lien cleared. We will continue to make payments while this is being resolved. But I would like them to release the lien as soon as all the scheduled regular payments have been made without that huge unexplained amount on the end. I have consulted with a lawyer as I said and he suggested I file this complaint.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

My mortgage loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX NJ XXXX properety Block XXXX XXXX XXXXXXXX tax account XXXX was trasferred to Fifth Third Bank. After that Despite being current with mortgage payments. The I have delinquency on my real state payments with the city of XXXX tax collector. I have been strugling to resolve the issue but each and every communication with fifth third their representatives have not made any serious diligence to resolve the issue and instead they have stated that my mortgage is current. After providing all information they have refuse to provide a payment evidence for real state taxes and hazzard insurance at current moment my property taxes are delincuent with about XXXX on penalty interest accumulated. The city of XXXX have provided records that shows not payments made for the entire year 2022. My home insurance policy with XXXX XXXX was never pay by fifth third neither fifth third have provided any evidence of the destiny of the escrow funds, despite several phone calls and online engagement. I find this mortgage servicer to be at best incompetent and at worst a conspirator to create this situation. They have done not decent effort to correct the situation and I have requested the escrow account to be terminated .I have requested that they pay the interest and penalties as per their legal obligation .I request the return of all the funds that they escrowed tor insurance and taxes so I can take care of those payments by other reliable mean.
Consumer complaint received 2023-11-30
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. (RI)

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State 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 an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 any consumer reporting agency if the
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I hope all is well. I purchase my vechle from a dealership working with credit acceptance XX/XX/XXXX. I choose to finance the vehicle through a consumer credit transaction. On my contract it says I can either buy the vehicle ( XXXX XXXX XXXX ), for cash or credit. It does not tell me that Iam rquired to do both. This statement also alings with 15 usc 1605 in the truth in lending it. 15 usc 1605 states the finance charge is the sum of all charges not comparable to a cash transaction. When I was at the dealership they told me a down payment was required and it was not optional. I felt pressursed to give a down payment of {$2000.00}. I consider this going agaisnt the contract because it clearly statres buy Upon reviewing the terms outlined in my contract, I observed that it states I have the option to either " buy the vehicle for cash or credit. '' It is crucial to note that the contract does not specify a mandatory requirement for both cash and credit transactions. This understanding aligns with the provisions of 15 USC 1605 in the Truth in Lending Act, which defines the finance charge as the sum of all charges not comparable to a cash transaction. 

During my visit to the dealership, I was informed that a down payment of {$2000.00} was mandatory and not optional. This information created a sense of pressure, leading me to provide the down payment under the assumption that it was a requisite part of the credit transaction. 

I would appreciate your prompt attention to this matter, as the requirement for a down payment contradicts the explicit terms outlined in the contract, which allows for the option of buying for cash or credit without mandating both. I kindly request clarification on the following : The necessity of the down payment in light of the contract 's terms. 
Confirmation of the contract 's intent regarding the optional nature of a down payment. 
I believe addressing these concerns will contribute to a transparent understanding of our contractual agreement and ensure that the transaction aligns with the principles outlined in the Truth in Lending Act. 

Thank you for your attention and cooperation. I look forward to a prompt resolution of this matter.for cash or credit, not buy for credit and pay cash for down payment or vice versa.