davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/21 I took my daughter out looking cars at various dealership. The dealership XXXX XXXX XXXXXXXX ran my credit without my permission XXXX. All of inquiries where hard credit pulls. Stated to her once that my daughter had no down payment money and she was in college and we were just looking at our options. I have over 10 hard inquiries on my credit now and my score has dropped. I feel lied to and mistreated. These actions were unfair and improper business handling. I left ther under the impression that my credit wasn't pulled and that we would come back when we made a decision.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (MO)

XXXX has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XXXXper letter dated XXXX. 2. On XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XXXX, I received two letters from XXXX dated the very same date of XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XXXX and ends on XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, XXXX changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with XXXX, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that XXXX placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided XXXX with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX  the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested
Consumer complaint received 2021-04-15
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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (GA)

you meaning cfpb did absolutly nothing to correct this problem with world finance i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and world finance bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (CA)

I sent {$700.00} USD to XXXX on XX/XX/XXXX. My vendor still hasnt received it. I have submitted 3 disputes and tried to go through social media. The keep giving random excuses and then closing my claim without resolving anything.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  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 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/2019 amounts ; {$1200.00} actions that were taken ; I tell you that this account is not mine name XXXX XXXX XXXX account number ; [ XXXX ] address ; XXXX XXXX XXXX # XXXX XXXX XXXX , NY XXXX Social Security number [ XXXX the debt is not mine, please delete it
Consumer complaint received 2022-02-15
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 — 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 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 Bankruptcy 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
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Dear Sir, I had place a online bank to bank transfer for {$10000.00} from my Huntington bank account to XXXXXXXX XXXX account. I received an email from Huntington bank stating the online transfer was cancelled and the funds would be returned back to my account. 

Its been more than one and a half month and I have not received {$10000.00}. 

Thanks XXXX XXXX
Consumer complaint received 2022-07-06
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: General Motors Financial Company, Inc. (NC)

XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX  XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX  NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (OH)

On XXXX XXXX.Wells Fargo place an inquirer on my Credit report early warning.Ive never had an account with them, this is inaccurate & unverified information I have no knowledge of this, its very unfair I do not owe them any money nor was i notified and it is hindering me.they are stating they didnt have the last XXXX digits of my social security number and that they didnt receive a copy of my early warning to see the inquiry they are also asking for an account number when I clearly stated Ive never had a account with Wells Fargo nor have I tried to I do not know why this inquiry is on my consumer report Never step foot inside of a Wells Fargo bank a day in my life they sent me a letter in the mail about a week ago stating they were working on things they never asked me to call them they never asked for my social nor did they ask for a copy that shows the inquiry on my financial consumer report so their response is very untrue and I have the letter that they milk for me on XX/XX/2022 And I clearly stated that it was an inquiry with the first complaint that I made so their response Has nothing to do with my complaint I uploaded a copy of the letter they sent me to prove they never asked me for any more information I also reached out about the other inquiry on my financial consumer report
Consumer complaint received 2021-06-14
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. (NC)

There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-04-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
Consumer complaint received 2021-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (AE)

In XXXX CapitalOne approved my credit card application. 

I was unable to access the account for over 2 months due to CapitalOne not being able to update my phone number for 2 step authentication. I made several calls to CapitalOne and no one was able to change the phone number. 

On Friday, XX/XX/XXXX I decided to call again and to my surprise, I had a past balance for a card I never used ( automated system ). 

I was finally able to gain access to the account on XX/XX/XXXX using a different verification method ( 3 digit security code ) and noticed that a {$39.00} membership fee and {$25.00} late payment fee were applied. 

I wasn't properly informed of the fee, nor did any of the representatives I spoke to ever mentioned a fee being charged or that the account had a balance. 

If I would have had access to the account or been informed of a balance on the account, I would have made the payment. Additionally Capital One should provide clearer information on membership fees and when these fees are assessed. In my opinion this is a UDAAP violation.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, I tried to temporarily lift a security freeze online at https : //www.experian.comXXXX 

When I entered my PIN, the website said it was incorrect, even though I have an e-mail from Experian showing me my PIN at the time I initiated the freeze in XX/XX/XXXX. 

The website then said I could get a PIN reminder by uploading documentation. So I did that, on XX/XX/XXXX, but I have not received any acknowledgement that my request is being worked on, and I have not received the PIN. The credit card company I am applying to says my credit file is still frozen as of XX/XX/XXXX. 

There is no way to speak to a person at Experian by telephone, and there is no e-mail address to contact them. I think a company that is making a profit from my information should have a responsibility to allow me to contact them in this situation, in a method that is quicker than postal mail. 

Thanks. XXXX.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

When Santander bought XXXX XXXX they called in two business loans which were always paid on time. This put a big strain on my business as I needed money at certain times to purchase seasonal products. When my business began to fail I approached Santander to procure a lower mortgage rate through the HARP program. They told me they held my mortgage and because of the economy and real estate values dropping, they would not consider a re-finance. The mortgage was always paid on time and there were also several additional payments made. My feeling is that since I kept the mortgage in good standing and they were getting 6.25 % interest, they didn't want to negotiate in good faith. The business suffered some disastrous problems and as a result I could no longer make the scheduled mortgage payments. Because of these problems my marriage fell apart and now I was short an income source and eventually had to claim bankruptcy and sign the house over to an agency who took over the mortgage. 
I feel Santanders greed to retain my high interest mortgage rate led to the subsequent problems that occurred and basically led to me loosing my home and the XXXX  XXXX dollars I had already paid in mortgage payments. 
Amazingly, when I was unable to maintain the scheduled payments, Santander was open to restructuring the mortgage.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.
Consumer complaint received 2022-03-21
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. (GA)

Equifax failed to conduct a reasonable investigation into my account. ( Dispute Confirmation Number : XXXX ) In accordance with the Fair Credit Report Act everything should be XXXX percent accurate on my credit report with all three bureaus. 

The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. Also, in violation of section 623 not all of the accounts that I have disputed, notates " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Consumer complaint received 2021-06-14
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. (FL)

XXXX XXXX have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.
Consumer complaint received 2020-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

This is a continuation of complaint number XXXX. 

Rushmore Loan Management Services stated in response to this complaint that they would remove the " certified funds only '' restriction from my account and would stop withdrawing money from my account. I received a letter dated XX/XX/20 which shows that they again tried to withdraw extra money from my account ( without authorization ) and placed me back on certified funds status when my bank blocked their attempt. They continue to threaten me with these letters Even though I've never missed a payment.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (CA)

Please, I need your help. 
I have tried all the available communication channels with Arvest Mortgage XXXX, and I am reaching nothing. My credit has been affected severely because of the Arvest mistake, or they're insisting on ruining my credit.

Arvest, the company that handles my mortgage, insists on ruining my credit score and, eventually, my credit report.

Attached is a letter from Arvest ( The mortgage company ) dated XX/XX/2021, informing me that they sent a correction letter to XXXX, XXXX, XXXX, and XXXX credit reporting agencies. Arvest also informed me that my loan status would show as current. 

On XX/XX/2021, I received the 2nd attached letter from my credit monitoring company stating that Arvest reports my mortgage account with Arvest as a major derogatory item. 

I don't know what to do? 
The damage has already been done to my credit score and credit report and fixing it will take over 2 months. 
I don't believe that it is my fault or mistake. 
Please help me.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (TX)

XXXX XXXX stated that I owed them XXXX. I never received a detailed bill explaining this information. One month they just stated I owed them this massive amount and it was due to a billing error on their part for data from months prior, where they hadn't calculated data correctly. I informed them that if I had used the data they should have not allowed me to go over because I had limits in place set up with my plan to keep this from occurring, and was never notified of the increase in usage. 
It was so funny because it was prior to them switch to unlimited and they were trying to get me to negotiate a new contract. However, I was appalled by their tactics to try to wheel me in. Like we will forgive you if you sign another contract. I never did anything wrong it was their error to begin with.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have multiple accounts with Wells Fargo and have requested all my accounts be reported to me on one complete statement. I have requested for the last 3 months that my current mortgage # XXXX be added to my complete account statement checking # XXXX. WF has responded they can not provided this service - this is not true, my last 4 mortgages were added to my complete statement. WF then responded it was against the law to add my mortgage statement to my complete combined statement, this is XXXX XXXX crazy response from WF. I was then advise it would take several months, this is also a lie, my previous 3 mortgages were combined with all my other accounts on one statement the same month the mortgage was created.