davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (RI)

Summary : Hyundai Motor Finance allowed me to setup an autopay but prevented me from cancelling it online and did not cancel it over the phone. As a result, they continued to attempt to make the payment, which resulted in me owing XXXX further NSF fees. 

Details : I had a bank account closed due to fraud. This generated a return due to " Account Closed '' on my Hyundai Motor Finance autopay. Despite this, XXXX continued to attempt to charge my account and after the second return blocked me from making online payments. As a result of the block, I was prevented by their website from making changes to my Autopay -- specifically I was blocked from cancelling it. I called them twice and was told by their debt collection team ( first call ) and their customer service team ( second call ) that my autopay was cancelled. On my third call today, 5-6 months after the initial bounce, I was told that my autopay had again been cancelled. 

XXXX refused to refund my NSF fees and refused to investigate the problem at hand ( which is clearly a software/dunning logic issue ). 

Thank you, XXXX
Consumer complaint received 2021-12-15
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. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICHELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been fighting with XXXX for over a year now to finally get my back pay that is owed to me with every loop and Dead end corner you could possibly imagine they put me through I had to identify myself six times because their system is so screwed up anyway so after that year ( loosing our first storage unit AND our home ) some months I finally was able to receive my money. Everything was okay except for the fact that anytime I made a small purchase food or anything like that they would lock my card up and I had to call to get it unlocked. Then on XX/XX/XXXX I called to let them know I had misplaced my card, balance of {$18000.00}. Then the very next day I was checking my balance and it said that there was {$6000.00} left. I Asked them how that was even possible when I let them know that I had my card missing and they were sending out a new one they didn't answer me. Also that fact that how could they let a {$9000.00} transaction go through like nothing and multiple other {$1000.00} XXXX charges and bank transfers ( that wasn't my account ) not red flag it or think it's suspicious activity... So I'm waiting a couple days for my card it comes in the mail okay fine I go to pull out money and it says transaction declined I called the bank and it says I have {$30.00} left in my account that I'm not even allowed to take out so like anybody else in this world would be I was furious because why did they not put a stop on my card to begin with when I asked them and told them that my card was missing and they new these charges couldn't have been me doing the transactions because I didn't have a card they canceled the old one and we're sending a new one on its way. I have a baby that I'm going to be living in our car all because of this I'm going to lose my storage unit it's going to cost me my job because I couldn't afford gas at the time or anything. Finally on XX/XX/XXXX I was refunded back {$9000.00} out of the {$18000.00}. It was after Bank hours so I could not go into the bank to withdraw money I tried to use the card that they had sent me and they said it had been compromised again and I went through the charges on my account and the same people had gotten my account information and somehow knew every detail and personal information to my bank account and we're changing my passwords and making XXXX XXXX transfers to themselves using my name in XXXX I live in XXXX I've never been to XXXX  but they let them do it over and over again for more times actually and now they refuse to refund that money. So again my XXXX XXXX XXXX XXXX XXXX XXXX XXXX myself and my fiance have nowhere to live.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

I made the following two payments to my student loan servicer, AIDVANTAGE : 1 ) {$3000.00} - Payment via check delivered XXXX - check deposited on XXXX 2 ) {$380.00} - Payment via check delivered XXXX  - check deposited on XX/XX/ AIDVANTAGE Phone Number and Mailing Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made several calls to AIDVANTAGE to ascertain the status of my payments. 
These calls were made on XXXX XXXX XXXX XXXX XXXX 
AIDVANTAGE simply states no payments have been made to my account. I have attached proof that both checks were received and deposits were made by AIDVANTAGE.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (MI)

Started XX/XX/XXXX to XXXX XXXX Tried to get my loan reduced or removed. This company said they could help! I gave all my information ; was under the impression that my loan would be would be reduced and at a certain point, it would be written off, if it wasn't paid off ; in so many words! To get started I would pay a {$99.00} application fee, and then they calculated a payment of {$200.00} for 6 months which ended up being 9months! At that time payments, were switched to a lesser amount {$99.00} till paid off!! I have made 24 payments, lots of money, my loan has not gone down! It was time for paperwork renewal, they called and emailed, three times and when I questioned them about the {$99.00} a month, I was told it was fees, and it was part of things discussed in the paperwork! He said I should read it again! And would not give me a direct answer, to where my money was going! A week later I received a letter, stating this company is being investigated by the Federal Trade Commission! 

I will be calling them to cancel account and ask for a refund!
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been a Bank of America ( " BA '' ) customer for over 30 years. I have my primary checking account and credit card with them. On XX/XX/21 around XXXX XXXX I received a text message from BA regarding possible fraudulent charges on my BA Visa card. I logged onto my account and identified 4 suspicious charges that I know I did not make -- XXXX XXXX XXXX XXXX ( {$6.00} XXXX ), XXXX XXXX XXXX {$24.00} - XX/XX/21 ), XXXX XXXX XXXX XXXX  ( {$57.00} XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX - XX/XX/21 XXXX XXXX I filed a fraud claim. BA closed my credit card, issued a new one, and gave me a temporary credit for the charges. Yesterday, I received a letter from BA ( attached ) saying my fraud claims are denied because " these charges are consistent with past charges with these merchants. '' First, all the charges are in or near XXXX, PA. I live in XXXX, VA, and I was in XXXX, not in XXXX, on the dates of the charges. Moreover, I can document my presence in XXXX with an in-person BA credit card transaction ( Bake Shop {$34.00} ) made on XX/XX/XXXX, the same date that two of the fraudulent transactions ( XXXX XXXX XXXX XXXX  ) were made. ( See my attached bank statement ). I have tried multiple times to reach the BA 's representment department to reconsider these claims. They are difficult to reach. When I did reach someone today, they told me they could not reopen a fraud claim, but could review the charges as a billing dispute with the merchant. 

This is not a simple billing dispute. Someone used my credit card number without my authorization to make fraudulent charges with four merchants. I want Bank of American to reconsider and review these four fraud claims more carefully.
Consumer complaint received 2023-04-05
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. (PA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.
Consumer complaint received 2021-12-15
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. (LA)

I've submitted the report to Experian, XXXX, and XXXX. I've also submitted a complaint to the Louisiana attorney general ( consumer Complaints ), CFPB, and will also file against the XXXX XXXX XXXX as well. The company is affecting my ability to obtain credit by reporting false information to the credit bureau I have filed reports several times with several different people informing them that this information is false I did not have an account with XXXX XXXX. Whoever is using my information this is why I keep a block on my account unless I need to personally use my credit which is a shame. I am on the verge of filing a law suit against the companies as this is causing me XXXX XXXX, money, and personal time. Please remove immediately!
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy
Consumer complaint received 2021-12-15
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. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (KS)

I applied for a XXXX XXXX credit card on XX/XX/XXXX. I signed up for this card partially for the bonus offer of XXXX points if I met a {$15000.00} spend within the first 3 months. I met my spend in time. I contacted American Express probably back in XXXX or XXXX to check on why the bonus offer is not showing, they informed me that it would post shortly. Talked to American Express last Friday XX/XX/XXXX to check on the bonus offer. Someone informed me they would look into it but never did. I checked again on XX/XX/XXXX and was informed that I didn't qualify for the offer. This was the first that I was hearing of this. The person who I had an online chat with wouldn't offer any help beyond saying I didn't qualify even though when I applied I was told I would receive the offer and 2 other times I was told they would look into it and 1 time was told that it would post shorty. I believe American Express chose not to give me the offer after the fact.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Afni refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Afni under the Dodd-Frank Act.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-15
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN XXXX XXXX IN MY NAME. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Consumer complaint received 2023-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/2022 I purchased a program that was supposed to be mortgage leads, and it ended up being a scam so I disputed it. Capital one and XXXX had miscommunication and XXXX wired the money to the middleman company called XXXX XXXX XXXX has banned the gentleman who was scamming people, yet still has my money even though they say they do not have my money one minute and do the next. Both companies are claiming they don't have the money and this was a clear scam and now seems one of the companies are committing fraud or lost the funds. We were told I was getting the refund multiple times and never has happen. The last straw was XX/XX/XXXX when they said I would get my refund, and I somehow had my account " blocked '' that day ... ..This is an absolute mess and I have been paying interest on this charge since XXXX. I am extremely strict with my finances and have never not made my full payment, and this is one costing me money each month in interest, and reporting on my credit. PLEASE help me!!!!! Something is going so wrong and its been 10 months.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

My mother passed away in XXXX of 2022. At the time of her death, she had an FHA secured home loan, which is currently serviced by LoanCareXXXX XXXX XXXX. There have been several attempts ( via phone and email ) to reach out to the company regarding Mortgage Protection Insurance, but as of today, I have not received any updates regarding this request. The company only wants to receive payments, but has not provided me with an answer as to if my mom 's home was secured with Mortgage Protection Insurance. My siblings and I are aware that they offer this insurance and our mother confirmed that she had this protection in place as well before she passed away. The dates of communication to the company were on XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), and XX/XX/2022 ( Phone ). 

As requested from the company, my mom 's death certificate was provided and I was originally told that they would speak to me regarding Mortgage Protection Insurance once the documents were provided, but since that time ( XX/XX/2022 ), they have refused to discuss anything with me about the home, unless I am making payments on the property. I have contacted both companies as they have consistently sent me back and forth between both companies to get answers. My XXXX younger siblings and I have done our due diligence of continuing to make the full mortgage payments, but we are running out of time ( we believe ) to keep my mother 's home. We believe that this is a tactic from the Loan Servicer to stall and not provide the information that I've been requesting for a few months now in an attempt to foreclose on my mother 's home.
Consumer complaint received 2022-03-28
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

company send a Texas judicial branch certification commission certified process server to my home with threats that I will be sued for all my belonging such as personal property, vehicles and that the judge will rule against me for been such a big amount of money so I can pay-off the amount in question.