davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MD)

I bought a new XXXX Hyundai XXXX from the XXXX dealership in XX/XX/XXXX, and I always make payment to Hyundai Finance since then. I always pay on time, my expected bill was {$590.00}, but I always pay {$600.00} so that I can finish paying up before 5 years loan that I was given. 

I made a payment of {$600.00} in XX/XX/XXXX for my XX/XX/XXXX payment and my account was not correctly balanced, I called their customer service representative about the mistake. Within two days the mistake was corrected. Again, on XX/XX/XXXX I made a payment of {$600.00} ( Interest was {$48.00}, Principal was {$550.00} ). From a previous balance which was {$22000.00} after the payment made on XX/XX/XXXX, {$550.00} suppose to be taken out of {$22000.00}. Therefore, my balance in XXXX suppose to be {$22000.00} minus {$550.00} equals {$21000.00}. Instead, the company refused to balance my account, they just wrote XXXX on the balance. I called this company from XXXX through XXXX, I spoke with their 5 representatives and a Supervisor, all to no avail. I decided to write a letter to their office in California, they ignored my letter. 
Thereafter, I decided to refinance, Hyundai Finance charged me interest on their wrong calculations, decided not to refund my {$550.00}, and later sent a check of {$3.00} as overage. 
I am filing this complaint to request for my {$550.00} plus the interest I was charged wrongly.
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

After reviewing my credit report I found some errors on the reporting of this closed account. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on this account. As you are aware there can only be one high balance on an account. 
You are also reporting payment history in 2019 on a already closed account to XXXX. 
Payment status also differs across all three credit bureaus. 
Late payment history is also being reported differently across all three credit bureaus This ACCOUNT HAS NOT BEEN PROPERLY VERIFIED SEE ATTACHMENT
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

On XX/XX/XXXX I contacted National Credit Systems in regards to balance against my credit due I did not receive any notification validating the debt. I don't understand how I could be owing a debt of a place I did not stay and I would not owe a debt to any place I live at due to at the time I had section 8 housing where the housing authority paid 100 % of my rent. There is a difference of filling out an application for a place of residency and actually moving in. Even if you signed a lease but never took legal ownership of the place of residency due to finding another place else where then how could this be a debt that I owe. I have reached out to national credit system due to them not sending validation Statements in which if they did it was sent to the wrong address. Also in XX/XX/XXXX I called and spoke to XXXX rep and advised that they are not able to call me due to the cease letters sent to them and the fact that they are placing a debt on my credit report they are not the original creditor in which they are violating FCRA laws. 
Also on XX/XX/XXXX after I had the 3 bureaus sent a validation letter to national credit system they sent a debt postcard and also they placed an embarrassing stamp on note on a letter they sent. It also included publishing my name on a bad debt list which was not fair without proper validation sent.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MS)

I received communication from XXXX XXXX associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center (CA)

XX/XX/2018 I did a loan reconsolidating plan with a company called XXXX Premier Student Loan Center and was promised that my student loans would be reconsolidated. However, I've used XXXX XXXX XXXX to manage my account and the money I've paid to the Student Loan Center above mentioned is not reflected in my loan repayment history. I'm quite concerned.
Consumer complaint received 2023-03-24
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I attempted to refinance and was told to not make my XXXX payment as I would be bringing it to closing. I contacted them by phone during the month of XXXX to get an update and was told, again, to not make the payment. On XX/XX/XXXX I emailed concerning my payment. They got back to me within the following day and said that yes, things were taking longer and I was to make the payment. I made the payment on XX/XX/XXXX. The week of XX/XX/XXXX they sent me an email telling me that they were denying my refinance application due to bad credit score. I then checked my credit and saw that it had fallen over 100 points due to my XXXX mortgage being late. I called the mortgage company to find out what happened. I asked how they could tell me not to pay until it was considered to be a late payment and then turn my application down due to bad credit that was their fault due to their actions. My mortgage rep told me Sometimes that happens.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank soon to be Truist charged {$38.00} do a {$4.00} transaction. 4 transaction each charge was {$38.00} each. That's a rip off. How can you charge {$38.00} to clear {$4.00} {$38.00} to clear {$10.00}
Consumer complaint received 2018-02-12
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 have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TN)

Mosiac with XXXX XXXX pressured us to buy 115 % of solar on my roof. It does not produce 115 % not even close. I turned in complaint to federal regulator. I would like the solar panels removed from my house or they can pay them off. they are now restricting my selling of my home. 
The panels failed, and misrepresented to me, I have documented proof. Also, the salesman spoke with Mosiac while we were buying them, and he stated that they will come after me if I do not pay it.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (MI)

RMP LLC contacted me on XX/XX/2021 at XXXX XXXX. I spoke to them for 2 minutes. I asked them for an itemized bill and to only contact me through mail. I explained to them that I work XXXX daily, and I was at work when they called, and I don't want to get fired for having to answer my phone. 

They called again XX/XX/2021 at XXXX. I did not get a chance to answer that phone call because I was working. 

They called today, XX/XX/2021 at XXXX. I spoke to them for 3 minutes, and repeated what I have said previously, and then asked them for their email address and informed them they were violating debt collection laws and I would be lodging formal complaints, and once again asked for an itemized bill and for them to only contact me through postal mail.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MD)

I received a call in reference to this debt and I informed the company that I am not aware of this and it doesn't belongs to me. I never heard of this company XXXX and never had an account with this company. They had stop sending the letters to me after the conservation, but now I am starting to receive letters and I just moved, so I don't know how they got my new address.
Consumer complaint received 2020-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

It's Paypal. My son opened up an account. He is a minor but that did not prevent him from opening an account and transacting. 

He accumulated more than {$500.00} due to selling clothing. He tried to withdraw to his XXXX  custodial account. Paypal is refusing because upon asking for his passport and driver 's license they discovered he was not XXXX. 

So, they have effectively stolen my son 's money. Yes, stolen. They use these funds, even though they belong to my son, to offset banking fees via FTP credits from their bank. The longer they keep these funds, the more money they make and the less money my son makes. 

This is, in effect a trap. Paypal is happy to open as many accounts as possible and report account growth in their Edgar filings, but then, only after getting money, do they do a proper KYC. 

They are fully aware that minors open accounts all the time. They just don't want to pay upfront for the KYC procedures. Honestly, it is XXXX. These are kids and they advertise on kids ' sites via their acceptance mark. 

10 years in from the financial crisis and these guys are still acting with impunity. Their customer service is designed to be so painful that most people simply give up.
Consumer complaint received 2024-02-29
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)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> Last 4 digit SSN : XXXX
Consumer complaint received 2021-06-08
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: GreenSky, LLC (NC)

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 2021-11-04
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)

I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I saw that Transunion is reporting an account with XXXX XXXX closed inXX/XX/2020 that I have no knowledge of. I have never been contacted by this collection company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and Transunion is illegally reporting false info and thus ruining my credit.
Consumer complaint received 2020-09-11
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. (UT)

XXXX XXXX  - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!
Consumer complaint received 2018-04-04
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. (CA)

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX.XXXX.18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts.

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete.

Among the particular items of focus is the reporting of the following : 1. ) XXXX XXXX  ref # XXXX  late payment history incurred due to fraudulent activities on this account.

2. ) XXXX XXXX XXXX ref # XXXX  -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, my son had initiated money transfer from his Paypal account to my paypal account. Both the accounts are tied to our individual bank accounts. 

On XX/XX/XXXX XXXX XXXX XXXX deducted money from my son 's account.

Paypal did not deposit the money into my account as of XX/XX/2020 - XXXX XXXX  PST. 

There is no phone number to call!!
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {$15.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {$50.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MO)

I have had automatic payment set up for this account for at least a year. A few months ago I noticed a larger than normal withdrawal payment. They stated my insurance had bee canceled and they were charging an additional $ XXXX for forced insurance. I provided them proff of insurance and that it had not lapsed. I was told I would have to pay the additional funds for three months regardless. Their reasoning was that they could not make an escrow analysis until then. I continued making the payments for the proper amount. The money was placed into a suspense account from which they still withdrew the forced insurance firs, leaving the payment short, and charging a late fee. Calls and emails to my " account manager '' have never been answered. The phone number given does not work. Calls to customer service are placed on hold then dropped.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have spoken with XXXX directly and have disputed the balance shown *twice* already. Rather than fixing the error, XXXX 's solution seems to be to drop back a month and report an even higher incorrect balance to Equifax. Twice they have reported to Equifax that they are reporting correctly but clearly they are not.