davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

My mother passed 4 days after buying out her lease from Hyundai. Been attempting to receive the title from Hyundai Motor Finance XXXX XXXX, with help from the credit union that the loan is through. Its been 3 years and no title. I sent all the info that Hyundai wanted. Even have a ticket number. Was promised by XX/XX/10 the title would be faxed to the credit union. And nothing. Please help. I have know where to turn to.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX XXXX business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely XXXX and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money refunded to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. One of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam that has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Navy Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal ; but in this case I had no choice, as I tried to negotiate with the " merchant. ''
Consumer complaint received 2019-11-07
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. (MO)

Experian added a consumer statement that I did not request, that caused me to be denied credit today. I have included it below. I asked them to provide permissible purpose for the inquiries on my report in the form of a signature which they did NOT do, they chose on their own to add the statement below instead of following the law and providing what I requested. 

XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (SC)

We purchased a 2018 XXXX XXXX XXXX XXXX On XX/XX/XXXX for XXXX and being charged a 26.59   % interest rate due to low credit score. Payments are XXXX a month for 72 months and will have paid XXXX XXXX dollars for this car when its paid in full. Outrageous interest rates for subprime borrowers should be illegal and its predatory since neither of our credit scores were that good but this is highway robbery. Even in 2 years we will still owe more than the car is worth and this particular lending company has been sued for predatory lending already. What recourses do we have?
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX XXXX account on my Experian credit report is inaccurate, I was never late on my payments, delete the account.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent a XXXX Letter to XXXX via XXXX asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an XXXX letter to try to resolve the matter. Equifax did not do their due diligence in correcting matter. XXXX  intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX  account is old and requires removal from my credit report. I have made over XXXX disputes in reference to this matter. To no avail Equifax verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Equifax stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. the Equifax report numbers are XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-04
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)

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-11-11
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)

Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

XXXX I paid off {$160000.00} from my Citi credit card so that I could qualify for a mortgage. Citi last reported my balance on XXXX so I expected this to be updated and my credit score reflect this large payoff by XXXX. 

I contacted Citi XXXX, they stated it should have updated within 7-10 days which was their normal timeframe. This rep could not tell us why a payoff 3 weeks earlier did not reflect after that much time and hung up on us. I called back and was told its actually going to update when our biling cycle closed out XXXX at midnight so to wait until the next morning. No change the next day, called a third time and spoke to several members of management. Citi now states that they take a full 30 days from my statement date to report new balances to the credit bureaus, so they are single handedly preventing me from getting a mortgage because they will not report my new balance until XXXX. Not to mention the first 2 reps lied to us. All other cards I paid off such as XXXX XXXX, cXXXX, home depot reported payoffs within 1-2 weeks of XXXX. 

Why is Citi allowed to take my money immediately but it takes up to 59 days for them to correct their information with the credit bureaus and allow me to move forward with getting a place to live? They should have to pay for every day I have to stay in a motel or in my car. 

I was told they sent a dispute report today but they gave a turnaround of another 8 days. I am just hoping that by reaching out to a regulatory agency that you can help me avoid being XXXX and possibly have Citi adjust their policy of taking so much longer than all other card companies I've worked with to do the right thing. 

Best, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (MN)

I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SLM CORPORATION (NY)

This bank is horrible to me I didnt even use my card I lost it and saw a fraud charge large amount they refuses to help me when I called them to report this that I had lost my card and found a charge I didnt even begin using my account Im a new cardholder and their giving me this experience and hard time they refuse to refund me my money its nit fair I should be liable for this charge it was unauthorized but they tell me they dont have a zero fraud liability and I reported this promptly
Consumer complaint received 2021-07-01
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. (CA)

experians upload service when i input experian report number XXXX times out and suggests mail. 
this evidence attached will resolve cfpb XXXX and XXXX against experian ; also all disputes on XXXX account number XXXX and cfpb complaints XXXX against XXXX XXXX XXXX and cfpb XXXX against XXXX credit mgt. 

XXXX is using changed account numbers to avoid the deletion of their collection account.it is creatively intentional as they try to extort monies, avoiding what account is described by the attached document, the same account they agressively try to collect for.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (RI)

I have made a transaction of {$8000.00} on XX/XX/XXXX using Citibank online banking with option 'Add funds ' where I have put my XXXX by XXXX XXXX bank XXXX account credential to withdraw amount from this saving account. The amount {$8000.00} has been debited from XXXX XXXX account on XX/XX/XXXX but the amount is not credited back to my Citibank checking account. 
I got an email from Citibank on XX/XX/XXXX that the transaction has been failed and the money will be credited back to my saving account within XXXX business days. Its been more than XXXX weeks now but I haven't received the money back to my XXXX XXXX account. I have called XXXX XXXX and Citibank customer cares for more than XXXX calls ( every XXXX days XXXX and every time I get response that this will be resolved within XXXX hours which is not done yet. 
XXXX XXXX bank representative says that since you authorized this transaction so the fund was released so need to check with Citibank. When I call Citibank, they say the fund was not released by XXXX XXXX so need to check with them only. 
In order to resolve this I conferenced them together ( XXXX bank representative and Citibank representative XXXX on call on XX/XX/XXXX and that time XXXX from Citibank said that the problem is with Citibank and we will resolve it from Citibank side but this is not resolved yet even after passing 1 month since that call. 
Since this is very big amount and I am not sure where is my money so I am currently depressed and not sure when will I get my money back. 

Request you to please ask them to return my money of {$8000.00} back. Thanks. 

XXXX, XXXX # XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit is reporting a fraudulent account on my credit. I didnt open this account, nor did I authorize anyone to do so on my behalf. Please remove this account from credit file as it doesnt belong to me
Consumer complaint received 2017-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.
Consumer complaint received 2016-01-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd. (TX)

On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is another notice of claim brought against TransUnion. TransUnion has inquiries listed on my consumer credit report that are in violation of 15 U.S.C 1681b. These inquiries are unknown to I the consumer and must be deleted. Consumer has put TransUnion on notice of this fraud alert. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer will file continue to file complaints against TransUnion for the improper and unlawful dispute processing tactics. If these inquiries aren't removed within 4 days, consumer will alert the AG, FTC, as well as file suit against the reporting agency for false reporting. TransUnion must provide my signed signature authorizing a consumer credit transaction as source of furnishing these inquiries. TransUnion has yet to provide any evidence of extension of credit establishing these inquiries.
Consumer complaint received 2021-07-01
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. (FL)

I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX  XXXX. XXXX  XXXX has reported to the credit bureaus od XXXX  and experian that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.