davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness
Consumer complaint received 2020-01-23
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. (MD)

EXPERIAN, XXXX, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (PA)

I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX  cards were taken out in my name 2 of them. I reported this to XXXX  and XXXX XXXX the credit card company. Synchrony found it was fraud on both cards in XX/XX/XXXX I believe it was settled. Synchrony told me that the bills XXXX  kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$1500.00} ARS XXXX Balance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00}
Consumer complaint received 2018-04-02
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Apply for a loan arm XX/XX/2018 credit report should only been pulled once and was pulled three times Ace Cash Express
Consumer complaint received 2019-04-23
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)

showing error on my credit reports listed : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.
Consumer complaint received 2018-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.
Consumer complaint received 2021-05-06
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: 3rd Generation, Inc. (CA)

On XX/XX/2021 I filed a CFPB complaint ( XXXX ) against CALIFORNIA AUTO FINANCE. It has been 72 DAYS with NO RESPONSE to my CFPB complaint. CALIFORNIA AUTO FINANCE failed to respond to my request for debt validation in 30 days. CALIFORNIA AUTO FINANCE hired a third party debt collector XXXX XXXX  to steal my identity, personal information, credit card and social security card. XXXX XXXX  sent my personal information, credit card number and social security card to at least four uninterested parties to which I have proof. They furnished documentation that clearly displays their harassment and fraudulent actions. There is no contract, agreement or validation between this alleged debt collector and me. I am the original creditor and consumer.Violations of TRUTH IN LENDING ACT 15 USC 1601 AND FAIR DEBT COLLECTION PRACTICES 15 USC 1692. I humbly request CONSUMER FINANCIAL PROTECTION BUREAU intervention and action.
Consumer complaint received 2020-11-25
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. (NJ)

XXXX is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Carrington Mortgage Service consistently will report my loan delinquent 60  days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60  days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

I am having so many issues with TD Bank and fees. I would like to first start with the issue of a stop payment that was entered in for the wrong amount. The transaction came out of my account when it wasn't supposed to come out. I was charged excessive fees because of this. The bank wanted to tell me that they had credited me back for fees in the past and we're not going to give me all the fees back for this. Recently, I deposited a check for {$210.00}. They decided to hold it for 7 business days. I had money in my account when I deposited the check. The check wasn't for a large amount. While I thought that I would be getting credit for this check the next business day. I had things going through my account and I am getting fees. I have had {$210.00} in fees this week which wouldn't have happened if the money was there. When I sent a question to customer service through the message system about when would I would receive credit for this, I got a response of the date of the hold is XX/XX/21 and funds would be available on XX/XX/21. This is another situation with information that has been given wrong or input wrong. 

Also, I had asked the bank to not pay any transcations if the money wasn't there. I wanted to opt out of overdraft protection because I did not want my account to be overdraft by a large amount if they money wasn't in there. They started sending transcations back unpaid, then this week a debit card transction that I had setup was paid and went through to for XXXX for {$350.00} nd so did an ACH transaction to XXXX for {$110.00}. The spectrum payment should have went through if the {$210.00} check wasn't on hold. 

I can't get my bills paid because I do not have any money when my check is deposited. I am trying to get this account under control but TD Bank is making all of these errors and hold my deposited and then charges me fees and then also paying transactions at there discretion to overdraft my bank for a large amount. I am fed up with this and plan to close this account when I get everything to clear out of it. I wanted to stay with this bank but I do not have the money to just keep giving away with fees.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

We paid our mortgage and they put the money into our principal instead of applying it to the mortgage payment. We have called them and they keep saying they will fix and still havent. We keep getting letters stating we missed a payment seems only way to fix this is to make another payment which we cant do at the moment and dont think we should have to since we already paid.
Consumer complaint received 2021-05-06
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. (FL)

I REACHED OUT TO THE CREDIT BUREAUS AND TOLD THEM I WOULD LIKE TOO SEE PRROF OF SOME ACOUNTS THAT I WAS NOT FAMILIAR WITH.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Oct/Nov 2023 : XXXX XXXX sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my XXXX XXXX login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called XXXX XXXX and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ 6229 monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If XXXX XXXX spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, XXXX XXXX called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish XXXX XXXX to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by XXXX XXXX. They do nothing to protect consumer 's interest.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

I am at the end of term with the auto dealer. There is an issue with the loan payments being lowered after a payments are made. the balance was XXXXand a  XX/XX/XXXX and XX/XX/XXXX payment was made in the amount of XXXX plus late charge of XXXX totaling XXXX. my balance should be XXXX, but is XXXX. The dealer stated it is daily interest of XXXX added until loan is paid out. There is a difference of XXXX. They can not explain why. No action taken.
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-29
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)

In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 I used a XXXX search to find the american express hilton honors credit card it said this : Hilton Honors Credit Card | American Expresshttps : //www.americanexpress.com credit-cards hilto... 
Earn XXXX Bonus Points after you spend {$1000.00} in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. 

I went ahead and ordered the card and spent {$1000.00} in the first month. I did not receive XXXX points. I was told on XX/XX/XXXX by their customer service that it says in the small print of the terms and conditions that they do not give any points. This is incredibly deceiving!