davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motor Finance has a collection on my credit file being handled by XXXX XXXX  XXXX. I made an arrangement to settle the debt with XXXX where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against Kia Motor Finance because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX accounts for months. Experian refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Consumer complaint received 2019-10-19
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: EQUIFAX, INC. (LA)

The information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Consumer complaint received 2018-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts for months. Transunion refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was  advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. 
I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.
Consumer complaint received 2021-05-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

The debit card that on file was stolen and by the time i got it fixed the account went into collections. Tried to fix it but the people told me i was no longer able to do business with them anymore XXXX for XXXX
Consumer complaint received 2022-07-11
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (VA)

XX/XX/XXXX i cancelled my auto insurance policy with XXXX XXXX via phone and email to XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX a collection letter is sent to my rental property from The Receivable Management Services XXXX  ( not even to the address they have on file ) for {$71.00} for a late payment. XXXX XXXX was paid in full by my mortgage company, the policy was cancelled and insurance was provided through XXXX XXXX. Proof was sent several times and it seems like nobody is handling this the collection is still active. In reality they owe me a full year refund because my mortgage company paid XXXX XXXX while i paid XXXX XXXX after cancelling XXXX XXXX i did not receive a refund. I am less concerned about that but more concerned that the {$71.00} collection account will go on my credit report. I sent proof of insurance to all XXXX, XXXX XXXX XXXX and The Receivable Management Services, XXXX, it should not take this long to realize i do not owe this money. This is a false collection.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the late payments on ATTORNEY GENERAL-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.
Consumer complaint received 2018-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MA)

I had an outstanding loan of around {$17000.00} from discover at 9.25 % interest rate. To reduce the rate I decided to go to XXXX who offered me an interest rate of 4.9 %. From XXXX, I requested for a greater amount than required because I was assured that the extra amount would be reimbursed directly by discover to XXXX and the interest adjusted accordingly. So XXXX  disbursed my loan ( around {$19000.00} ). My balance amount in discover was then - {$2200.00} ( Minus XXXX  USD ). 

At this point discover was supposed to mail XXXX a check of {$2200.00} so that the amount would be adjusted in my loan amount. However discover has never mailed this check to XX/XX/XXXX! They showed an updated balance of {$0.00} on XX/XX/2019. Neither I nor XXXX has received this check. I called them and they insisted they had mailed a check. But could not produce any proof. They claim the process to check for any error takes 7-10 days. They have not since gotten back to me.
Consumer complaint received 2018-10-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Risecredit, LLC (AL)

XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Apelles, LLC (IL)

On XX/XX/22 I received a letter from Apelles in reference to an alleged amount due to XXXX XXXX for {$110.00}. To my knowledge, I have never agreed to do any business with Apelles. As of my right, please provide written validation of any business agreement with your agency ( Apelles ) per FCRA regulations.
Consumer complaint received 2018-10-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NCB Management Services Inc. (AL)

NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.
Consumer complaint received 2019-08-03
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of  the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL  XXXX
Consumer complaint received 2019-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

I contacted PayPal about a scam account I sent money to and because it was a personal payment they were not willing to help me or put the money on hold. How secure is PayPal if they are not willing to help you when you are being scammed through their platform?
Consumer complaint received 2019-10-19
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. (GA)

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Consumer complaint received 2019-03-28
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)

CRA IS IN DIRECT VIOLATION OF FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE etc.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Two items that on my Experian report is in collection when I have two documentation that one item XXXX XXXX was settled but still show negative on my report which should be in positive status, and paid for deletion removal letter from XXXX which also still show negative in collection. XXXX and XXXX remove both of these items, so I do not know why Experian will not update this information as all three credit bureau should be working hand in hand.
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We have tried to work on getting our FHA backed mortgage loan on track with Wells Fargo for the last six years and we can not figure out why they ignore us and refuse to help. We fell behind due to Hurricane Sandy and some financial issues. I gave Wells Fargo {$110000.00} to get caught up on my mortgage, but after they took my money, they advised that I owed them another {$41000.00} for escrow shortages and refused to bring our loan current. Also, since that time our loan has never been formally reviewed for mortgage options, even though I have complied with every request they made for documents, information and forms. 

There is also the issue of loan fraud that occurred when we refinanced our mortgage. Although we did not take out a penny from our equity, our mortgage loan balance increased over {$120000.00}!! We could never get them to explain why our loan increased and they basically stole the money from us. 

We can afford a reasonable mortgage payment, but Wells Fargo has just kicked the can down the road and now we have a sale date scheduled for XX/XX/2018. We have had a rotating series of single points of contact, but they never stick around long enough to finish the process and we have had to start over constantly. We feel that Wells Fargo is just a foreclosure machine and will take our home away and collect the money from the government since it is a secured loan. We make plenty of money to resume our mortgage payments and want to spend the rest of our lives in our home. Wells Fargo is a horrible and greedy company that has completely squashed us and our spirit. 

It should not take six years to get a formal review of mortgage for assistance options. Now Wells Fargo is basically telling us that there are no retention options available to keep us in our home. We need help to get them to do what is ethically the right thing to do instead of making us homeless.
Consumer complaint received 2023-03-20
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. (IL)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
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: Bread Financial Holdings, Inc. (WA)

I ordered curtains from XXXX and returned them. To pay for the order I used the XXXX credit card ( issued by XXXX XXXX ). I asked XXXX to put the return credit on my XXXX card which they did on XX/XX/18. I got a statement from XXXX credit in mid to late XXXX, not only NOT showing the credit ( so the account would have been {$0.00} ) but they added a late charge and a finance charge. I called them & explained that the credit had been sent on XX/XX/XXXX. They said they had no record of any credit refund from XXXX. In order to not have any negative impact on my credit I paid the entire balance. 
I then had several back & forth emails with both XXXX and XXXX credit. On XX/XX/18, XXXX, a XXXX customer service rep called me and we called XXXX credit. The initial rep couldn't locate a credit so she sent the call to a manager. He could see that, in fact, XXXX had send the credit on XX/XX/18 but it was " pending ''. he couldn't explain why it was pending-he said it was a computer bug that the company was aware of, but they only know there is a problem when the customer tells them. He told us it would have to be investigated and fixed by the IT dept and it would take 21 days. I checked online this weekend ( 3 weeks later ) and saw a refund check has been sent out for the late fee & the finance charge, but my original credit ( and pymt ) of {$100.00} is nowhere to be found. I called in again. Same scenario-got XXXX, a customer service manager, who said it was still pending. He couldn't tell me when to check back or who to talk with-just that I could call " anytime '' or go online " anytime '' to see if the credit has hit my account. And initially, in both calls, the pending credit was difficult for them to locate ( and I was told, initially, that no credit had been issued ). We are going into week 7 since the credit was issued with no resolution, and no interest on the Comenity Bank side in resolving this in a expeditious manner. Unacceptable.
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS. 
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school. 
On another note Ive always wondered is 25 % apr legal? 
PLEASE HELP! 
Thanks