davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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)

This new complaint is in reference to complaint # XXXX I called consumer finance on XX/XX/XXXX because the email be low said the company had responed Review the companys response to your complaint. 
The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone.Thank you for participating in our complaint process. This complaint is now closed. 
I could not open the complaint XX/XX/XXXX consumer finance customer service said would mail me a copy of the complaint response, it is XX/XX/XXXX sill havent gotten it. They read me the response said Hyundai Motor Finance agreed to refund my {$390.00}, I called Hyundai Motor Finance XX/XX/XXXX spoke to XXXX in customer service he said two checks {$290.00} and {$100.00} was mailed on XX/XX/XXXX. I still have not received any refund checks no email no text no phone call from Hyundai Motor Finance no communication at all, this issue started XX/XX/XXXX with me trying to get a refund on money Hyundai motor Finance owes me, I am a senior XXXX yrs old on a fixed income very frustrated and disappointed in the way I have been treated. I had to provide the documents to support my claim, Hyundai motor Finance has disrespected and used their power and control to dismiss this complaint as irrelevent. Im just asking for my money nothing more 2
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MN)

I added XXXX bucks threw XXXX to my rush card on th XXXX of XXXX. The company says everything is working but I ca n't get threw. When I do they tell me there is nothing they can do. I really need access to my funds
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Disputed with all XXXX bureaus in reference to several accounts. XXXX student loans showing late payments and XXXX collection accounts. All XXXX bureaus repeatedly show different information. Requested information directly from the creditors and nothing received it 's been well over 2 months. If the companies are not responding to me directly then they would not respond to a 3rd party.
Consumer complaint received 2016-05-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

Today is the sixth time I have tried to access my safety deposit box at this US Bank location ( XXXX XXXX XXXX, XXXX XXXX IL XXXX ). I have been successful in accessing my box XXXX attempts. The staff states they are unable to access the vault, ( that was the reason today why I was not allowed to access my box ) but other employees of the bank have stated that is not true and the vault was working. 
Also, the one time I successfully ( XXXX XXXX, 2016 ) accessed my deposit box the employee stated, " let 's not fill out the paperwork if you 're going to be quick '' and did not check my ID or fill out the required form to access my box. I believe there is possible fraud happening at this bank and employees may be accessing safety deposit boxes without consent or knowledge of box owners. I am attempting to empty my safety deposit box at this time but am not being allowed access to it.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC (IL)

When I was going to get gas I swiped my card and come to find out that it was denied. I then checked my phone and found it was put on hold. I called Rushcard only to find out that the option to speak to someone was no longer there. They changed their automated system did not send out an email about it and now there 's no way for me to talk to a customer service representative now. I tried writing their ticket department and told them that my card was put on hold. They took a day and a half to respond and then told me they looked into it and found that it was on hold and told me to call their customer service line that has absolutely no way for me to talk to an actual person. That is why I am filing this complaint
Consumer complaint received 2017-04-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (FL)

They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... 

They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. 

Company is Midwest Recovery, and they can not be reached.
Consumer complaint received 2022-02-09
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX our name ] Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

Since the inception of my loan XX/XX/XXXX with XXXX and XXXX XXXX I have never had an Escrow account and I have always paid my homeowners insurance and property taxes. 
Just to give a little background ; I had a mortgage with XXXX since XX/XX/XXXX, effective XX/XX/XXXX the mortgage was serviced by XXXX XXXX XXXX XXXX, with no issues with the transitioning of the loan, my monthly payments of {$380.00} was due on or before the XXXX of the month without receiving additional service charges. During XX/XX/XXXX, I was informed that Seterus will be servicing my mortgage loan starting in XX/XX/XXXX. Unfortunately, since Seterus has taken over the loan, the transition has been a nightmare for me. The proper documentation ( statement of account with loan account details ) was never received. The Notice of Servicing Transfer and Welcome letter was not received, hence I was not given the proper information as to where to send my monthly mortgage payments of {$380.00}. 
Prior to XXXX XXXX, XXXX, I did not receive a statement from Seterus stating the amount of the loan or the transfer amount for verification purposes. Since the first notification nothing was ever received from Seterus. On XXXX XXXX, XXXX, I received a call from a Seterus representative stating that I was delinquent. I informed the representative ( XXXX ) that I was not made aware of where to send my payments, or the transfer loan amount. I further stated that I have the funds in my checking account, and the funds were transfer on XXXX XXXX, XXXX, in the amount of {$770.00} to Seterus, which represented XX/XX/XXXX and XX/XX/XXXX mortgage payment. I was charge late fees from Seterus, not due to my error but theirs for not sending out the proper documentation for me to pay my mortgage ( on recorded line, a representative stated that I was not mailed out any letters ). 
On XXXX XXXX, XXXX I received a Escrow Account Statement for my loan, which stated that I will be paying {$660.00}, I contacted Seterus and made them aware verbally that I am responsible for my property taxes and insurance. I was informed to send fax a letter stating those facts. I did on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX, the representative further stated for me to continue to make my monthly payments of {$380.00}. I have made my monthly mortgage payments of {$380.00} and Seterus is not apply my payments and has put me in default. My credit report has been hindered, Seterus is stating that I am 31 days past due, I have spent hours on the phone with their representative stating that they are going to apply the fund properly. I have be threaten with foreclosure. Seterus needs to be evaluated with their business practices. I have lived in my house for 15 years and had no issues until Seterus has taken over my loan servicing mortgage.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OK)

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over 7 yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOGMAN, INC (CT)

My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month. 
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes. 
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Alliant Capital Management LLC (NY)

Received a call from XXXX asking to verify delivery of legal document. When called back a recording states, " you have reached the location verification division please call XXXX. When that number is called it is the phone number of Alliant Capital Management XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX - XXXX Compliance - XXXX XXXXXXXXXXXX. 
I have determined it may be or posing as a debt collection company. I have no debt, no failed loans perfect credit.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I opened an account with coinbase to buy crypto coins and kept putting money in from my XXXX XXXX  and after a year in XXXX of 2021 my account was locked and i finally got a hold of coinbase on the phone and they say they locked my account someone had transfer my coins to there accounts but that is all they told me then they told me i had to prove it was me to get access to my account i did that many times and they continue to tell me to prove i proved with my license and other ids I had over {$4000.00} dollars in it in coins they stole and still to this day it is locked and they avoid me i reported to bbb they tried to contact the coinbase company but no luck so they told me to contact your office
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC (MD)

I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove or these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00}.
Consumer complaint received 2017-02-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. ()

In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

I have been trying to obtain a loan modification for over nine months. I requested copies of my loan documents because I believe that I did not receive and/or sign all of the original documents. I believe the good faith estimate was never provided to me and was later forged. There also may be other loan documents I did not sign. I have requested the loan documents at least 5 times. They will only send me a copy of the note and mortgage ( which is available at the registry of deeds ). They refuse to provided the rest of the loan documents and say my request is overly burdensome. I have explained why I want the copies and they still refuse. In addition, the lender has done everything possible to try and say I do n't qualify for a loan modification. First they would n't accept my income, then when they finally did, they said I did n't pass the Net Present Value Test. I did n't pass the net present value test because they used an inflated fair market value for my home. When I showed them their valuation was based on a drive by BPO and was inaccurate, they said I made too much money and my payment would n't be XXXX % lower than my original payment. I asked them to ask the investor to waive that requirement. They have refused to request that from the investor.