davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OK)

I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX  as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate. 

In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract. 

My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report. 

We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially. 

I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (KY)

I am trying to get a loan and when I went to my mortgage person they have pulled my credit and told me there was nothing they could do because my current mortgage was reporting a bunch of late payments throughXX/XX/XXXX -XX/XX/XXXX.  However I have proof that I made all of the payments and I pulled my payment history to show it and it shows every payment being made on time. So I have tried to call OCWEN and each time I get routed to a voicemail and never get anywhere. I am at my wits end and am pleading for someone to get this resolved. My pay history is matching the account number of the credit report that shows me in error so they match up. Please help get this resolved. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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. (NY)

I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX twice explicitly without my consent.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OR)

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, Sallie Mae, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. Navient decided to discharge the debts owed to them. Navient is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. Navient, sallie mae, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Consumer complaint received 2024-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: HUNTINGTON NATIONAL BANK, THE (VA)

We sold our home and paid off the loan. I called the bank and learned a refund was issued to both my ex husband and myself as we were both on the loan. I requested a copy of the cancelled check be sent to me and i never received it. I asked the bank to pay me my portion of the check and the person spoke to refused. I noted I had a court order and he still refused.
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

I am unable to use this XXXX gift card. It continually declines transactions. I can't even use it to buy XXXX dollars worth of groceries for my family. I called the company, but they just keep telling me to try using it again. This is outrageous. It actually seems as though the company is intentionally making the card decline charges so that they can keep the money I used to purchase the card. The card currently has {$250.00} on it. I would like a refund of {$250.00} in addition to the {$4.00} fee I paid to purchase the card.
Consumer complaint received 2022-07-14
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. (KS)

XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX. 

XXXX XXXX - Closed XXXX, XXXX XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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 2021-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

A call from of XXXX & XXXX back in XXXX of XXXX. For a debt from back in XXXX, I agreed to make {$50.00} dollar payments a month and signed an e-contract online. Due to fraudulent action, my current bank card was canceled by my bank. Trying to keep with the contract I tried to contact XXXX & XXXX, via the contact number given to my bank, on XX/XX/XXXX of XXXX, via the number on the bank statement. That number belonged to a car dealership in XXXX Georgia, ( I've called this number three times thinking that I dialed the wrong number ), not the so-called law firm. The woman at the dealership told me that they have been getting calls from a lot of people asking why they have been taking money out of their accounts ... She flat out told me that it was a scam. My bank is even now trying to recoup the {$100.00} that was paid to them. So today XX/XX/XXXX, XXXX, I get a call from XXXX XXXX for breach of contract I tried to explain to her I'm in procurement and that every company must provide a legitimate number that belongs to the vendor when doing monetary transactions. The woman XXXX XXXX stated that the number on my bank statement belonged to a contractor and how was she supposed to know that they had changed their number? ( Serious red flag here ). I told her that I wanted to make sure that they were legitimate and not a fraudulent company and until then they would not be getting any more money from me. At this point, she actually started arguing with me as to why I did not contact them via the number on the contractual agreement XXXX both numbers should be the same or at least lead to the XXXX & XXXX law firm ). I thought it was kind of fishy when back in XX/XX/XXXX, I was told only to call back to the number on the contract agreement. 
I reiterated that I just need to make sure that they are legit. That's when she proceeded to tell me that they will sue me for the old debt and breach of contract for non-payment. 
I did XXXX the name of the company before I went into contract with them, it seemed legitimate until the bank statement kept showing the number for the car dealership as the contact number for this so-called law firm. besides that everything is done online and the document link they use only lasts for a short while so that you can not access the document unless they resend it to you if you did not download it. on top of that, I've never received a statement from this company. 
They also have 3-4 different 888 numbers for contact. According to a website called XXXX, there have been many people who have been scammed by these people. I've never received a billing statement from this company. even during the conversation tonight she kept referring to the contract agreement when I mentioned how they wouldn't send me any document of verification. The website does not look right either.
Consumer complaint received 2018-05-24
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. (CA)

Experian has placed a credit freeze on my account for no reason. I didn't make this request but have been trying to get it cleared for over 10 days now. When I try to call them the phone system hangs up and I can not get to a representative. This is a unethical method to get me to join their program to get Experian program to remove the credit freeze. I need help to get this resolved as so far they are not being helpful and have been avoiding any type of request made via mail or phone call.
Consumer complaint received 2021-07-13
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I was recently as of 3 days ago, made aware of a lawsuit with Wells Fargo my mortgage loan provider opened in 2015 regarding failure to approve loan modifications. I had applied for a loan modification along with any other assistance available and I was informed I had to wait 12 months- on 2 separate occasions prior to the what I assume foreclosure. I called Wells Fargo in XXXX as I was trying to compile my financial records to clean up my finances and upload to XXXX for help. I was informed my mortgage was paid in full so I assumed that meant they got the asking price. I asked for the information pertaining to my loan and foreclosure and I was directed to XXXX XXXX XXXX who provided me the attached documents. I had zero knowledge of this paperwork etc. until I received it and I asked XXXX   about it and they told me to review it would be a waste of time as XXXX XXXX XXXX are a professional company who does this all the time. I also have had consistent issues with identity theft since last XXXX which included my computer, ID, birth certificate, medical records etc. and believe my phones given to me by different people when I had them were also stolen and hacked. I believe most recently I even was hacked last night and today as thats how I stumbled upon the class action after asking a friend why the deed to the house was still in my name after so long but had random names I have never heard of before on my paperwork. 

Is it possible we meet to discuss? I can be reached at XXXX or XXXX ( though I believe that address was the one hacked ), it would be best to call, meet live or email XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (OH)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-07-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (WA)

This dept shown more than once on credit report and does not show last payment date making very old collection look new. This account shows as XXXX this was dated back in XXXX. This was a voluntary repossession which was charged off in XXXX by old loan holder. They received their vehicles back sold at auction, marked as charge off, then still show as balance owed. This is causing me a huge hardship and holding me back from furthering myself in life. They have never provided documents to prove this dept is mine. I feel as though if this was an account of theirs they should have something to prove so I can confirm if this is valid or not. This is reporting on my credit report two times all with balance owed. I have tried many times to try and get answers/ resolve this with no help. I have also hired a credit repair company who disputed twice with no response in time and they still refuse to remove. When the credit repair company started the process this was on my report more than twice with different account numbers all with the same balance amount so this has been falsified many times by them. 
This dept is approaching the time to be deleted and as a courtesy I would like to request they delete this early for the hardship this has caused me with the falsified information. XXXX and I have grown up worked hard to build our credit and have tried to over come this since we were very young and couldn't afford much back then and just want this cleared and marked correctly. I would have not know this was on my credit many times with newer dates showing if I had not hired a credit attorney who brought it to my attention. So please help us with getting this resolved due to the long frustrating battle we have been going through.
Consumer complaint received 2018-11-27
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. (NJ)

XXXX  was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

This Visa gift card continually declines purchases. I just tried to purchase groceries, and it declined again. When I call the company they keep insisting I try the card again. The company appears to be intentionally making it so the card does not work. I just want my money returned now. This has been very frustrating.
Consumer complaint received 2022-07-27
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IL)

Log of calls : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX And this goes on and on for the last 4 months. I have contacted the company. No one at my number owes this company anything and never has. I have talked to them on the phone and emailed them. Call is from Allied International Credit. Never owed this company or anyone they collect for money. Never on my credit report. I have turned this in before with no relief.
Consumer complaint received 2018-11-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (CA)

A company called Real Time Solutions is a Debt collection company that was sold a debt by XXXX  XXXX XXXX. I had issues with XXXX XXXX XXXX regarding the validity of the debt, date opened, payment issues that they didn't rectify along with predatory practices of non-disclosed fees, and failure to process payments. They were paid the original loan amount but due to interest, hidden fees, and poor processing practices, along with virtually no consistency regarding the management of the account. Reall Time solutions simply changes the debt date whenever I attempt to file a dispute with a credit bureau. This way the debt will never be removed from my report and will always be inaccurate.
Consumer complaint received 2018-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (NY)

This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress. 

I am a recovering victim of ID Theft which arose from a stolen wallet in XXXX and on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts. 

On XX/XX/XXXX I wrote my first letter to Barclays Bank Delaware. On XX/XX/XXXX I received a response from Barclays Bank ( see attached letter ) which does not consitutute validation. I wrote again on XX/XX/XXXX and informed them that the account was unknown to me and that I requested full validation for the account including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to Barclays Bank of Delaware made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed Barclays Bank of Delaware that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Consumer complaint received 2022-07-27
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)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX