davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WV)

Recently applied for credit at Citibank. A letter of decline dated XXXX XXXX, 2019 was received. Application ID XXXX. Letter states reason for decline was based in part or whole based on XXXX  credit report. Contacted XXXX  and was informed that the information Citibank used in the letter was not obtained from them. Contacted Citibank and informed them of XXXX XXXX   response, and was told they had no credit representatives to speak to.
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (CA)

The company I'm addressing is ( Kia Motors Finance ) On XX/XX/XXXX my XXXX XXXX XXXX engine shutdown as I was driving on the freeway.I didn't have any warning light such as the engine light come on it just started knocking and shut off. I had myself and my daughter in the car. The next day I had my car towed to downtown Kia in XXXX XXXX there was a recall on my vehicle that had to do with the catalytic converter which it states in the recall can cause engine failure Kia has various class action suits against them for this issue they kept my car for a little bit over a month they refused to fix it because they stated I didn't have proof of Maintenance receipts which I did show them what I had they didn't accept those then they tried to give me a deal stating they will take XXXX off repair of engie ... the engine cost {$6000.00} they tried to do this secretly via text after they said they weren't going to fix it. They stated the pictures that were taken of my vehicle they found sludge but refused to show me. I was unable to work for XXXX months I ended up having to get my car back from them and get it towed elsewhere because they threatened to start charging me storage fees. After about XXXX weeks my car was repossessed and now I have it on my credit report. They also did not fix the recall on the vehicle they did nothing for 2 months and now they sent me a letter stating that they're going to sell my vehicle I was going to trade my vehicle in however they put the full price of the XXXX XXXX XXXX on top of whatever the new vehicle was so I declined. I believe there was contractual fraudulent activity along with poor service. This situation created an extreme hardship for my family and I because I wasn't able to work even though my husband does we have XXXX kids and it cost us to almost be evicted during that time.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NC)

We are suffering from a financial hardship and have been unable to make our mortgage payment for some months. This situation began last XXXX/XX/XX/XXXX when our vehicle was vandalized and has continued till now XX/XX/XXXX. Our vehicle was vandalized last XXXX/XXXX which made it necessary for us to rent a car for transportation, paying the majority out of pocket since our insurance only covered 30 days @ {$30.00} per day, Then XX/XX/XXXX our bank account was hacked and {$3400.00} was removed from our account, This amount represented the bulk of our income for the month and we had no way of replacing it. We have called our mortgage company, PHH, on a regular basis for some months to keep them informed of the situation we are experiencing. We have received a package from them to submit for consideration for modification or some other form of relief. We are retired senior citizens on a fixed income, my husband is a XXXX veteran.
Consumer complaint received 2023-04-08
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. (CA)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (NM)

World Finance Corporation WILL NOT validate a debt they keep putting on my credit report. I am completely fed up with it and reaching out to CFPB for help. 

They keep submitting false information to the credit bureaus and the bureaus wont remove them from my file. 

Please help me
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/2018, I was a XXXX-old XXXX student with barely any credit history and an income of {$25000.00} per year, most of which came from student loans. That month, I applied for a credit card at Capital One to build a stronger credit score. 

To my surprise, I was approved for a credit line of {$10000.00} at a XXXX. At the time, I thought that I would be responsible and would not use the entire credit line, so I accepted the card agreement, not truly knowing what it meant. 

Within the first month that I had the card, I had already spent {$830.00}. As time went on, I used more and more of my credit until I had none left. Today, I owe {$10000.00} to Capital One with interest. My current minimum payment is {$1100.00}. I only have a spendable income of {$100.00} a month. My credit score is now at XXXX. Before opening this card my credit was very good. 

When I opened the card, I had every intention of paying every cent of the money that I owed. I continued to feel that way until a few months ago when I could not make a payment because I could not afford it. Now, I am XXXX payments behind because they keep getting bigger and I still can not afford to pay. 

It is a predatory lending habit to extend a credit line worth almost half their income to young people with little credit history. When I applied for this credit card, Capital One knew my age, my income, my occupation, and my credit history. They knew that it was risky to give me any credit line, let alone such a large one. They attached such a high-interest rate because I was a risky lender. 

If it were not for Capital One 's predatory lending habits, my credit would not be ruined for years to come just when I am trying to begin my life. I can't make payments on this card so my credit will only get worse.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This is regarding the collection company Midland Credit Management - XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX ID : XXXX I would like to express my absolute perplex with the treatment I received on XX/XX/year> by an associate over the phone. I called in good faith regarding my collection account with XXXX XXXX XXXX, to explain my current situation and hardship that led me to the financial hardship I've been experiencing mainly since last year. This was due to both my XXXX mother and my son having XXXX. My son almost XXXX XXXX XXXXXXXX XXXX. I should not have disclosed my issues, however, I did so the agent could understand my motives for ending up in the collection, and the reasons why my situation worsened. Before I could even start my conversation, in which I intended to get assistance to make the payments on that account, the agent was extremely aggressive, threatening, and anti-professional. Unfortunately, I have dealt with collection and debt arrangements, but this was the worst experience I've ever had with a company, and very frightening. 
I have to share this because even though this happened, I still arranged to make payments online, however, due to the unprofessionalism of the agent ( unfortunately I did not record his name, but I'm sure you have the calls recorded ), I feel that this needs to be reported. After a long time with him on the phone in which I expressed my frustration with his behavior, I ended up hanging up because he kept threatening and ignoring any explanation I was given, even without needing to. 
This behavior is unacceptable, even from a collection agency. I felt disrespected as a consumer and as a human being. I felt hassled and mistreated. 
I hope the company can address this serious issue with the associate, so that it doesn't happen to other customers. 
This is the first time I have had to escalate this type of issue, and I hope this will be addressed. No one in a collection situation feels comfortable, and having an associate being so disrespectful only makes the situation beyond worse. I am a XXXX woman and mother. I should not have been treated that way.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fold, Inc. (MI)

Fold locked my bank account on XX/XX/2023. The business requested that I upload identity documents and a selfie. I uploaded them on XX/XX/2023. The business has not unlocked my account, provided a timeline for unlocking the account, returned the money that was in my account to me by check, or compensated me for lost income as a result of the freeze on my funds as of XX/XX/2023.
Consumer complaint received 2019-04-05
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: R & B Corporation of Virginia (VA)

In dealing with XXXX XXXX XXXX regarding a debt of {$270.00}. I have communicated via US mail 4 times since XX/XX/2019. In which case I have repeatedly asked for information verifying the debt. The company does not respond and are now reporting as a collection/chargeoff which is damaging my cresit. Under FCRA they are falsely reportung and redusing to provide verification of the debt. 45 days lapsed between each letter with no response. Im tired of sending letters asking for verification since legally they have to respond within 30 days AND THEY HAVE NOT and still are reporting fraudulantly
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My Student loan has been taken over by XXXX XXXX and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Consumer complaint received 2020-12-17
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. (NJ)

This is my second attempt. They said it was not even me who submitted the complaint. It has been well over 45 days and I have not yet had this issue resolved. At this point I feel like I am being played with. Can you please resolve this issue for me. I feel I am being taken advantage of and I don't like that. I did everything I was supposed too. How can They say it is not me and I did not even upload the documents the first time.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (TX)

I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX  ) on XX/XX/XXXX. Now dynamic recovery solution has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.
Consumer complaint received 2023-07-07
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. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I am a cosigner with my mother on a mortgage. My mother lived in the house and paid all of the bills, I just helped her get the loan. She has XXXX XXXX and will be moving to a facility but right now she resides with my sister in North Carolina who takes care of her. My mother cant move into a XXXX XXXX facility until this house is taken care of or they will take the house away. 

For 2 years I have been trying to do a short sale with OCWEN and have lost 3 buyers because OCWEN refuses to do the sale. Every 2 weeks they request the same documents and within 24 hours the same documents are provided to them. They do not ask for anything new just an monthly updated version of what was already given. 

I have an attorney XXXX XXXX that has also trying to get this do as well as the foreclosing attorney for OCWEN ( who works for OCWEN ) and between all of us OCWEN still will not close. 

I am about to loose yet another buyer because OCWEN giving us the run around. 

The stress that this has put on not only my mother but my sister how can not continue to take care of my mother any longer, and me because I am trying to do everything by the book instead of letting it go into foreclosure. My family is being pulled apart be this. Not to mention my credit has gone to XXXX because I have been dealing with this for way over 2 years. 

I need something to be done, please help!
Consumer complaint received 2018-04-09
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. (TX)

The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.
Consumer complaint received 2019-10-02
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MA)

As of XX/XX/XXXX I had a past due balance of {$1200.00}. On XX/XX/XXXX, I contacted Hyundai Motor Finance to make a payment of {$630.00} XXXX plus processing ). While I was on the phone with Hyundai, a 3rd party provider working with the company proceeded to take possession of the vehicle. At that time I was still on the phone with Hyundai, and when I told the agent that I was no longer in possession I was told that they would no longer be able to take a payment through my past due balance and that I would have to contact their collections department. At that point I ended the call with Hyundai Motor Finance. On XX/XX/XXXX I contacted the collection department to reinstate my loan, at that time I was told that I had past due amount of {$1200.00} and that I would need to pay that amount plus repossession & processing fees before I could reinstate my loan and regain control of my vehicle. I proceed to set up two payment from two different accounts to pay the total amount due given to me of {$1200.00}. And at that point I was told that my loan was reinstated and that I would be able to pick up my vehicle from the lot. After that call I found out that the original payments of {$630.00} that I had called to schedule on XX/XX/XXXX had already been taken from my account and that as of XX/XX/XXXX my actual amount due was {$600.00} plus the cost of repossession instead of the {$1200.00} stated by the collections agent, in violation of the Fair Credit Practices Act. At that point I contacted Hyundai Motor Finance and was told that they would not be able to refund my payment as it was done with a debit card. I was then told to contact my bank to reverse the transaction with them instead. I proceeded to contact my bank who told me that they could not reverse the transaction until it had cleared with the bank, and that I should be speaking with Hyundai Motor Finance as this was an error on their part. I proceeded to call Hyundai back, and when I asked to speak with a manger to work to refund my payment I was told they were in training and could not speak with me. At that point the agent said there was not much more they could do and requested that I ended the call unless I had further questions. Due to the over payment to Hyundai Motor Finance my checking account balance as of XX/XX/XXXX was around {$19.00}. Due to this overcharge I am unable to report to work as of Thursday XXXX as I no longer have access to the funds required to cover the cost to get to work and I am forced to take a day off at a cost of {$350.00}. I will likely need to take the same on Friday with the same cost. If I am unable to have these funds refunded to me by Monday I will not have any more personal days available to be used with my employer and risk termination.
Consumer complaint received 2019-10-02
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)

Despite several attempts to resolve fraudulent reported accounts after being a victim of Identity Theft, I have had no success working with Transunion on proper removal of the fradulent accounts reported to my personal credit profile accourding to the FCRA section 605B.
Consumer complaint received 2023-04-08
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. (NY)

On XXXX XXXX Account Name XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX