davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, Transunion, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Consumer complaint received 2020-01-16
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. (TX)

Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!
Consumer complaint received 2022-07-12
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: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX Purchased Travel Voucher XXXX, for {$290.00}, from XXXX ( owned by XXXX ) for XXXX XXXX XXXX XXXX, using my Chase XXXX XXXX Credit Card XX/XX/XXXX The {$290.00} purchase price was charged to my Chase XXXX XXXX account Per my XXXX  Details Agreement, I had 24 months to use my XXXXXXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Due to Covid restrictions, I was unable to travel in XXXX. Due to personal health issues, I was unable to travel in XXXX. 

XX/XX/XXXX I attempted to book my XXXX XXXX XXXX XXXX at XXXX, and discovered the website was taken down, phone number XXXX disconnected. 
I researched the company and discovered that they were bankrupt. 

XX/XX/XXXX I completed a DISPUTE FORM - CLAIM ID XXXX dated XX/XX/XXXX and submitted it to Chase via their branch location in XXXX XXXX XXXX OK, including photocopies of : > my original XXXX purchase email dated XX/XX/XXXX > screen shot of XXXX webpage showing SERVER ERROR XX/XX/XXXX Received ( backdated XX/XX/XXXX ) Action Needed letter from Chase regarding my Claim, requesting further information by XX/XX/XXXX. Since I had limited time to respond, I called Chase on XX/XX/XXXX and told them I needed additional time to respond. I was granted additional time. 

XX/XX/XXXX Received DECLINE letter from Chase dated XX/XX/XXXX, indicating that " the company made their services available to me ''. 

XX/XX/XXXX Submitted formal letter to Chase requesting reconsideration of their decline, since I do NOT have access to the product I purchased : the company is BANKRUPT. 

XX/XX/XXXX Received final DECLINE and CLAIM CLOSURE letter from Chase dated XX/XX/XXXX, with same explanation : " the company ( XXXX ) made their services available to me '' and therefore my claim was denied ''. 

I believe that I met my obligation regarding this Chargeback Claim, as I notified Chase promptly upon realization that XXXX was bankrupt, the product/service purchased was still within the XXXX time period allowed, and I provided Chase Claims with documentation of my purchase and documents showing that XXXX was not a viable entity, either online or via phone call. 

Please advise. 
Thank you ~ XXXX XXXX
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

According to the FCRA, it is XXXX job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with XXXX is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked XXXX XXXX months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation XXXX could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2020-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hold a " Customized Cash Rewards '' Visa credit card issued by Bank of America. B of A has removed benefits from the card without notification. Cardholders such as myself were informed we have these benefits, many of which are insurance or some form of insurance ( e.g. Auto Rental Collision Damage Waiver ), when in fact we are not insured. In addition, the company has made it extremely difficult to learn what benefits the card actually has. This contributes to the problem and could be intentional. The difference in benefits on my card is documented in two guides I have obtained from B of A in XXXX and XXXX. These two documents specify the same effective date ( XX/XX/XXXX ) but different and diminished benefits. 

On or before XX/XX/XXXX I built a spreadsheet of the benefits offered by my credit cards so I could keep track of which card was best for each purchase. Some offer better benefits, others better rewards, etc. My then-named " Cash Rewards '' card from Bank of America was the only one that didn't have the benefits guide available on it's website. I had to call in to request it, which I did. I was mailed a " Your Cardholder Benefits Guide '' as seen in the attachment, page 1. It detailed five card benefits effective XX/XX/XXXX : Purchase Security, Warranty Manager Service, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Lost Luggage Reimbursement, and Roadside Dispatch Program. 

In XX/XX/XXXX, I thought one of those benefits, Purchase Security, would apply to a purchase I had made. I had a very difficult, lengthy and poor customer service experience ( not the issue here ) trying to find out if it would help me. I was surprised to find out that my card did not have the Purchase Security benefit though I had never been notified as such. I then tried to get a copy of my current benefits guide. It still was not available on the card website and I had yet another difficult, lengthy and poor customer service experience obtaining one. After hours of effort, one was mailed to me and it is attached starting with the letter at page 2. To my surprise, my card had been stripped of all but two of the five original benefits effective the same date : XX/XX/XXXX! I received no notification but given the effective dates, there's clearly a problem here. I brought the issue up to customer service and they said there was nothing they could do.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/XXXX, I sent the following letter to Specialized Loan Servicing via tracked XXXX mail to the address they had designated for notice of error. It was delivered on XX/XX/XXXX. The tracking number is via XXXX is XXXX. It is XX/XX/XXXX and more than 5 business days have elapsed since the notice of error was received by the servicer. Their response was due XX/XX/XXXX and I have not received any communication whatsoever, not even acknowledging receipt of the envelope. 

I sent them the following letter concerning their failure to pay my property taxes as required by the closing documents. The property taxes were due on XX/XX/XXXX and late fees and interest have accrued due to their failure. I am also now receiving letters from the county tax office threatening foreclosure and I need the servicer to take *immediate* action to pay the tax bill as they are contractually obligated to do. 

The letter follows : To : Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX, Colorado XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Account/Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The parcel ID for tax purposes is XXXX XXXX. The tax account number with the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX is XXXX. 


Escrow Errors : I have been notified by XXXX XXXX and the XXXX XXXX XXXX that your company failed to pay the following expenses from my escrow account : o Property taxes ( total due {$5500.00} ) : XXXX XXXX, {$330.00} ( due XX/XX/XXXX ) XXXX XXXX, {$1500.00} ( due XX/XX/XXXX ) XXXX XXXX, {$89.00} ( due XX/XX/XXXX ) XXXX XXXX, {$3600.00} ( due XX/XX/XXXX ) o Interest charges due to SLS late payment of taxes due : Interest has accrued due to SLS not timely paying the amount owed.

I expect SLS will pay the interest accrued due to late disbursement from my escrow account. I expect that SLS will not debit my escrow account for the following amount due. 
Interest owed to the XXXX of XXXX due to the late payment is {$150.00} as of XX/XX/XXXX. 
o Proof of these charges and their non-payment is attached as a subsequent page. 
Please disburse {$5500.00} from my escrow account to the XXXX of XXXX immediately. 
Please pay all interest due to the city ( {$150.00} as of XX/XX/XXXX ) due to SLS error. Do not charge my escrow account for the interest accrued due to SLS non-payment. 

If you need to contact me, I can be reached by email at XXXX or by phone at XXXX. As a last resort, I receive mail at the address referenced above. 

Sincerely, _________________________________________ XXXX XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (TX)

DEAR : DEVILLE ASSET MANAGEMENT I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent account. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.

I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : DEVILLE ASSET MANAGEMENT / XXXX XXXX  Opened : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX REF : XXXX
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (NJ)

In accordance with the Fair Credit Reporting act 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 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.
Consumer complaint received 2018-03-05
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: SYNCHRONY FINANCIAL (CA)

There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
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: BARCLAYS BANK DELAWARE (NY)

I have previously disputed this account yet delinquencies still reflecting on the account. This account is enrolled in autopay so there should be no reason for reported delinquencies. I attached the screenshot of my payment that is enrolled in autopay and confirmation email that the payment was received. The reported late payment should be removed from my report immediately. I am requesting that the error be investigated and corrected.
Consumer complaint received 2020-03-10
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: CITIBANK, N.A. (FL)

I received a new Citi Aadvantage Platinum Select card a couple of weeks ago and tried to use it and it was denied. Had to pay a {$7.00} atm fee to make the purchase and opened the Citi app and it said something was flagged for fraud. I called the provided number and the representative asked for a landline to call. I do not have a landline phone and they also asked if I had a Citi checking or another Citi credit account, which I do not. Finally, they asked if they could contact my work number which is not possible since all of our work calls go to a general switchboard. 

After these options were exhausted they stated that they would be mailing me a letter for verification and that will take 7-10 business days. They would not accept any other form of verification and now I am left without access to my account for this amount of time and can not even see what he possible fraud may be to take action. I asked to cancel the card and they said I was unable to do that at this time due to the fraud alert.

It is unacceptable that I can not know about the details of potential fraud and can not verify my identify without having a landline ( which is really common now ) or having another account through their bank. I attempted to speak with a supervisor but was not connected and the employees I spoke with would not give any identifying information I could share with a supervisor about the treatment. 

Now I have potential fraudulent charges on an account that is less than a month old that I have to wait almost two weeks to resolve. CitiBank has terrible customer service and puts your financial and personal data at risk by being lax enough that somebody was likely able to breach an account that is less than a month old and then blocking their customers from being able to take action.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My mortgage payment due by XX/XX/XXXX was received by Flagstar Banks lock box on XX/XX/XXXX. As of Monday, XX/XX/XXXX, my check XXXX for {$1200.00} had not been posted to the acct nor had the check cleared my checking acct. XXXX with XXXX. She said she would have someone in Cash Applications call me to discuss. As of XXXX today, I have heard nothing.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TN)

In XXXX of XXXX I received a call that my student loan account was past due {$200.00} and needed to be paid. I never received a phone call or email until after the account was past due. I called Fed loan services and explained this to them and I was told that they sent me a notice through their online portal. The problem with this is I didn't even know the portal existed so had no way of knowing my loans were due. Fed loan refused to change the late payment statuses on my accounts. I was also unaware that my student loan was not simply one account but multiple accounts from different loan years. Fed loan also did not defer my payments for the first six weeks of XXXX even though I am a current student. The problem with these late payments is that I was never properly informed they were due until it was to late. I am in the process of buying a house and now that Fed loan is reporting my accounts had late payments I can not get a housing loan with any late payments in the past twelve months. All because of me not being contacted until the payments were past due of {$200.00} I am being denied housing.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. 
Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;