davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CO)

XXXX XXXX XXXX XXXX ( Car Dealer ) uses predatory practices towards the elderly ( my Mother ). My mother is XXXX XXXX ( and has had failing XXXX for the past 7 years. Dealer has solicited her and been talking her into taking a new car, under a reoccurring LEASE every 1 - 2 years. I live in CO and she lives in CA. She can no longer drive or take care of herself and need to move her to CO into assisted living. The payments have also incrementally increased to where she is paying close to $ XXXX on a lease of a Kia XXXX. The going rate for a lease on this car is closer to $ XXXX. Currently, she owes {$36000.00} on a car that is only valued at {$26000.00}. Dealer said they bare no responsibility and that changing out leases every year is a norm ( he indicated he did it himself, but then backtracked when I asked if he would put that in writing ). A very nice sales rep XXXX XXXX XXXX XXXX noted that there are records of their sales staff soliciting her to trade in every year. 
Here is the breakdown : XXXX XXXX a new Kia XXXX  XXXX finishes out lease ) - No issues w/ this lease. 
XXXX New Lease on XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX ( XXXX ) - Solicited for new lease on new XXXX- She signs on Total owed to terminate current Lease {$22000.00} ( will not own anything at end ) Current buy out for latest vehicle- {$36000.00} Current car worth ( XXXX ) - {$26000.00} Lease payment : {$670.00} for 48 months starting XX/XX/XXXX Multiple calls with XXXX XXXX. My husband took a trip to CA and tried to speak with the owner XXXX XXXX ( would not see him ), the GM ( would not talk to him ), and finally the Sales manager ( XXXX XXXX XXXX whom he spoke with. He claimed no responsibility and said that if she passes, to supply the Leasing company a death certificate and that they would then allow for a resolution. Also tried to insinuate that yearly car exchanges as part of a lease are the norm ( said he did it himself, until my husband asked if he would put it in writing and he backed off ).
Consumer complaint received 2021-05-12
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. (NY)

On XX/XX/XXXX I received a XXXX letter from Midland regarding a charged off XXXX  account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the death of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. Midland had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since XXXX
Consumer complaint received 2019-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I have been trying to log into my account at Lakeview Loan Servicing to check my account details and the website is never operable. I was finally able to change my password today ( XX/XX/19 ) and it brought me to the post-login screen, but none of the links work and I can not view my payment history or account details. I can verify my information over the phone but the wait time is over 45 minutes each time I call. They even have a voice message at the beginning of their automated call system that says " If you're having trouble with the website, please wait an hour and then try logging in again. '' Which, incidentally, does not fix the problem. Based on the shabby, 1997-esque aesthetic of the site, I would also assume that it is not secure against cyber threats.
Consumer complaint received 2020-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello, I called over the phone to speak to a rep with Experian to do a dispute about errors on my credit report. First I had unauthorized inquiries that the Experian agent would not dispute which said was too many and I would get an email in 48 hours to submit the disputes and the disputes that I was able to due over the phone came back the next day, first of all, it can take up to 30 days to dispute. I don't believe a real investigation was done and I lied to by the rep that the inquiries are not hard to pull because I told the rep I was denied credit she was incorrect and also I was lied to about that I would receive an email to dispute my inquiries. Experian has been very difficult to dispute you cant even dispute online because the site is always down so I am filing a complaint to have them either submit the email to be so that I can dispute as they stated or reinvestigate the disputes I did put in and I have also called the companies of the unauthorized inquiries and was stated no record was pulled from my file. So now I ma in the process of writing letters to have the errors remove as it is my right to do this but Experian is not representative of the FRCA
Consumer complaint received 2022-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

XXXX I graduated with my electronic XXXX XXXX degree. I was promised help in getting a job afterwards. XXXX XXXX college helped with my resume but that was it. I still don't have a job in my field and it's XXXX. They broke their promise on helping to put me in my field of study. It was also not fully explained how I would owe XXXX dollars for my student loans.. The company I was with was Navient. I am now XXXX  plus in student loan debt.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (FL)

In accordance with ally.com policy, an online Secure Message was sent in writing, regarding an ally.com Bill Pay failure, on XX/XX/2022. However, no reply was ever received. Thereafter, repeated attempts were made, both by phone and by Secure Message, to obtain a reply. The most recent of these numerous attempts was on XX/XX/2022. This was a phone call to Ally representative XXXX who transferred me to Ally Supervisor XXXX who stated that there would be a Secure Message reply to my XX/XX/2022, Secure Message regarding Bill Pay failure, by XX/XX/2022. XXXX XXXX 's statement was false. What appropriate penalties and compensation can the Consumer Financial Protection Bureau impose to remedy this issue for all of the patrons of this bank?
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (MD)

the Money Source finally corrected my XXXX report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-22
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)

I have contacted EQUIFAX several times over the phone and by mail trying to get them to remove an unauthorized account from my consumer report XXXX XXXX ending in # XXXX. I called Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Dates contacted XXXX XX/XX/XXXX, XX/XX/XXXX with no success. I have return receipts to prove that I have also tried contacting XXXX XXXX. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Equifax asking for my consent regarding this alleged account to place it on my consumer report. 
Equifax has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. In addition, my account was part of the Equifax Data Breach and I have filed a claim! I have spent way too much time reaching out to Equifax with no RESULTS! 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Title15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Equifax and me the Consumer REMOVE XXXX XXXX! As I am in the process of seeking legal action. This must stop!
Consumer complaint received 2021-05-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

This is a complaint against the XXXX XXXX Citibank branchs misrepresentation of promotional deposit products. In brief, I deposited {$250000.00} with Citibank XXXX XXXX branch because they represented an outdated {$1000.00} promotion which I relied upon as valid. 
-- -- - SEE ATTACHED LETTER FOR COMPLETE DESCRIPTION OF COMPLAINT ... XXXX
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I began XXXX  school at XXXX XXXX  in XX/XX/XXXX and recieved my first student loan. I began repayment of those loans after XXXX  in XXXX. I acquired more student loans beginning in the fall of XXXX when I went back to XXXX school at the XXXX XXXX XXXX. I graduated from that program in XX/XX/XXXX. 

I was contacted by a servicer after graduation, I assume because I was working for a XXXX My XXXX  is XXXX in XXXX XXXX. The person who I talked with told me that my loans will be forgiven in 10 years because I was a XXXX. I have since found out that is only true if you work for a XXXX He also assured me that it would not effect the 25 year discharge of loans I have been paying since my XXXX  from XXXX in XXXX. 

I have reached the 25 year discharge from my student loans taken while at XXXX. However, MyFedloan reported that my loans did not begin until XXXX, which does not reflect all the years I have been paying on the student loans.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX with TD Bank account # XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. My due date for payment on my account is XX/XX/XXXX as stated in the picture XXXX above. So I did the payment on this date and is showing in the payment list on the picture XXXX above. 
However I was charged a {$27.00} late fee on the XXXX. This is a wrongful charge and it has to be voided.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX 2023 XXXX XXXX XXXX XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX ( Finance XXXX XXXX XXXX 2023 XXXX XXXX  XXXX Bank ) XXXX XXXX 2023 XXXX XXXX XXXX  ( Auto ) XXXX XXXX 2023 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX 2023 2023
Consumer complaint received 2022-03-13
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. (DC)

On XX/XX/2020 and XX/XX/2020, I the consumer sent Child Support Services Division notices of ESTOPPEL AND STIPULATION OF CONSTITUTIONAL CHALLENGE to all WASHINGTON , DISTRICT OF COLUMBIA AND STATE OF STATE STATUTES WHERE No general law affecting private rights, shall be varied in any particular case by special legislation, except with the free consent, in writing of all persons to be affected thereby.

I the consumer haven't heard nor been notified in verbal or writing that I the consumer is responsible for this alleged debt. Pursuant to title 15 usc 1692g Validation of debt, there's 5 requirements Child Support Services must provide according to federal law. that's a violation of the FDCPA. Pursuant to title 1

5 usc 1692c ( a ) -communication in connection with debt collection : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of ANY debt. That's Another Violation of the FDCPA.

Pursuant to title 15 usc 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) is in serious violation also. Here 's Violation of the FCRA as well : ( 1 ), 15 usc 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 usc 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted.

( 3 ), 15 usc 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report.

Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hi so I have a card with Bank of America and on the XXXX of XX/XX/XXXX, I saw that my debit card was used at a website called XXXX and it was used three times. I checked and find out that one was used on the XXXX XXXX in the amount of {$450.00} and on the XXXX of XXXX it was used two times in the amount of {$1200.00} and {$1300.00} which I didnt authorize it. Even though I know the website my card was used at I didnt authorize that payment or buy anything from them and I dont know how someone can use my information to purchase from my account with them. I then found out that the person used my card to purchase these bitcoin and transferred it to his or her wallet account so I knew right away that someone had scammed or Fraud me so I contacted the website which is XXXX  and let them know and they told me they will get back to me And I havent heard from them. So I then decided to file a claim from Bank of America on the XXXX of XXXX and I just heard from them today saying that my claim has been resolved and can not be paid, and on what grounds, I have no idea. I have lost {$3000.00} and I have been a customer with Bank of America since XXXX and they are not willing to help me with this. Please help me get my money please. This money is for my school please.
Consumer complaint received 2021-05-13
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. (FL)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tenaglia & Hunt, PA (VA)

I received a settlement offer on a file managed by XXXX XXXX XXXX. I settled and thought the matter was solved. Turns out I had another account that was taken to court. When I called/emailed to ask about it, I was given confirmation of the other account being settled. I emailed to get details and if I could get a settlement offer. The company has refused to communicate back with me about options to settle or to even discuss the account. The representatives are never available, I've left voicemails and emails and believe I only received one call back and when I returned the call, again they were not available. 

The agent 's names are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-07-07
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$740.00} XXXXXXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Consumer complaint received 2020-12-20
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (LA)

Ive contacted Chase today because I wanted to reopen a checking account with them after what had happened last year admist COVID19. Last year, there was a bad/fradulent check deposited into my account and Chase decided to end their relationship with me permanently even after Ive explained to them that I was a victim of fraud. I was a very loyal customer and I really need to bank with Chase again, and I am hoping to ask for a reconsideration on my case because the incident was not my fault.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.