davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I had Contacted Hyundai not once more like 5 x on not one but 2 leased Vehicles, Prior to this I was a loyal Hyundai Consumer for over 18 years our Daughters first Car was threw Hyundai @ XXXX shes now XXXX I leased my car with a cosigner. My uncle, XXXX XXXX, and Hyundai Salesman lost my whole deal.and I paid dearly buy putting that Vechile with a Balance of {$9100.00} which was incorrect as it was traded for another Hyundai that I ended up paying a lot more in interest cause 2 Hyundais were on my report they stated when I called this was according to Credit Reporting XX/XX/XXXX # XXXX which only cause they were Penalized this car was taken off my Credit Report but the damage was already done. 
On the second car still on my Credit Report same thing but they tried saying the Car had a scratch on it and this time they claimed I owed {$12000.00} and claim wear and tear I traded this car as well and I had it for 3 years with 17,000 miles to Kia here in Florida I spent a lot of money because I put me on the credit agencies, not once one cop of the two cars that was unfair, because Ive always been faithful to Hyundai Kia took possession of the vehicle it was mint Upon having a discussion with Hyundai the woman from Texas told me that the car again had wearing tear, as well I had to pay that {$800.00} Fee Which I was no longer responsible for the vehicle, because Kia took the full possession of it, and I financed a car through Kia that was through the roof, because of what Hyundai did to my credit report Its not just about Wrongfully putting me in the credit Bureau. It was a trickle down effect in this particular vehicle was making up and still listed in the credit Bureau as of my last pill of my credit report is XX/XX/XXXX I feel, Hyundai owes me Compensation for what they wrongfully have done when I was not in Error, Hyundai was and they got fined but I Paid dearly for Their Ignorance and I am considering pursuing this Matter to an Attorney against Hyundai for Not just hurting my Credit but for the Numerous times I have called and was told they would work out a payoff plan it goes much deeper, like my Anxiety and non Compassion they had to a very Loyal Consumer as I stated Hyundai affected Me and my Credit Score as I said the last vehicle is still on my credit report which means everything that I apply for I either get denied, or I pay higher rates, which is not fair if they had just done the Correct, Honest Way in handling all of this but their Greed Cost me a Woman who is on XXXX and on a Fixed income SSDI Any chance of getting a loan to allow me to move forward with my life So their being penalized got them out of their Jam, But has done Nothing to help Consumers who got hit in many different ways This is why I am Seeking an Attorney as I feel I should be Compensated for their Errors. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am receiving mail from a debt collection organization call resurgent capital services requesting an amount of {$120.00} on behalf of original creditor indicated as XXXX and Company and current creditor is listed as LVNV funding account listed last digits XXXX. I have never had an account with XXXX under the number listed. I also call this organization at XXXX XXXX And was informed that this debt is from 2008. Although This debt is invalid an account from 2008 is past the statue of limitation. I do not want to be contacted by this organization again
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

Ponzy scheme on behalf of XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX does not recognize me as a XXXX  member therefore funds denied. 

The XXXX family given full permission to funds. 

Inheritance of XXXX and Percap from XXXX
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$5500.00} XXXX XXXX XXXX Date : XX/XX/2021 Balance : {$32000.00} these account are un authorized accounts that are affecting my credit score.
Consumer complaint received 2018-03-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

In XX/XX/2017 I received a notice from Professional Bureau of Collections of Maryland , Inc. claiming that they had purchased my student loan debt and offered me a chance to settle the debt for a lower amount. This is not possible as 4 years ago I consolidated my student loan debt through XXXX  and have been paying it off ever since.

I sent them a letter requesting validation of the debt and never got a response. Since I have no outstanding debts and since they were unable to verify my request I can only assume that this is either fraudulent or a scam.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX  and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

I sent {$100.00} to my nephew 's bank account in XXXX, XXXX, via TransferWise on XX/XX/2021. The money has not arrived into his account as of today. TransferWise pulled {$100.00} out from my XXXX XXXX account on XX/XX/2021. I contacted the Transferwise via email and informed them about the situation. I had some correspondence with one of TransferWise representatives. I am not pleased with his responses. Here is what he wrote : " Just to summarize, are two options available. We can either wait 1-3 weeks until we receive back the payment, or we can try to recall the payment, but it might not be successful. ".
Consumer complaint received 2021-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon checking my credit report and emails I seen that my credit report was pulled for a personal loan adding an Inquiry from XXXX XXXX on XX/XX/XXXX. This was not done by me. This is an unauthorized inquiry. 

The following inquiry is XXXX XXXX XX/XX/XXXXXXXX  This was not done me.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IL)

On XX/XX/2021, I was notified that I was a victim of unemployment fraud. I took all of the recommended steps for follow-up of this issue ( contacted the Illinois Dept of Employment Security, filed a police report, placed credit alerts with each bureau ). On XX/XX/XXXX, I received an email from Netspend, a prepaid card service informing me to activate my card. I did not apply for this card and my assumption is that the application is likely connected with the fraud. 

I have reached out to Netspend several times - by phone and email - and I can not get any assistance or response despite my informing them that this is an act of fraud. The reps insist that I provide them with my card number ( which I don't have ) or social security number ( which I don't feel comfortable giving ) and was told I could not be helped without it and was even hung up on. Even when I finally did provide a social security number, they still didn't help. I continue to get regular emails from Netspend addressing either myself by name or someone else 's ( probably the criminal ), which lets me know that in addition to being non-responsive, they have taken no action to close this account despite my many requests.
Consumer complaint received 2021-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NJ)

I booked a trip to XXXX as bundle package ( air and rental ) through XXXX for payment I chose the affirm loan to make monthly payments. I realized the flight was incorrect and immediately cancelled the trip and rebooked it the same day with the same payment method. When I went to pay for the trip I had to 2 loan accounts. XXXX only booked the plane ticket in the initial reservation and left the rental. So I am being charged for 2 rentals even though I only utilized one. I was called 3 times I was sent to customer service representatives outside of the United States I was told a supervisor would contact me and no one has to this day and this situation has been goin on since XXXX. I tried to dispute the charge with affirm the loan company and they did nothing as well and kept sending me notifications that they were going to report this to my credit report. So I ended up paying for something I cancelled and never used to protect my credit.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this immediately!
Consumer complaint received 2021-08-14
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. (VA)

I already reached out to Equifax for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

My student loans are covered under the CARES act extension in XXXX. My servicer is Great Lakes. I logged in to my XXXX account to check my XXXX Score and noticed that the score had dropped about XXXX points. There are no changes anywhere that would cause this and then I remember that my student loans and gone out and back under CARES. 

When I looked at the status, the loans show under 'deferment ' not 'administrative deferment ' which means the status indicates I requested they be placed in deferment. I did not. 

Great Lakes was sued over this once already : XXXX XXXX XXXXtrXXXX XXXX XXXX XXXX I contacted them today and asked them to modify the reporting and they will not.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MI)

On XX/XX/XXXX, Midland Mortgage Co. Issued me pay off excess check in the sum of {$1300.00}. I notified Midland Mortgage Co. That I did not receive the check nor was it cashed I was told that I could not receive a replacement check by Midland Mortgage Co. representatives. My claim was made well within a 5-year period requried by federal law. I have contacted Midland concerning this matter consistently throughout the years. The retention of a copy of this check was verified as recently as XX/XX/XXXX when I spoke with Midland Mortgage Co personal concerning this matter supervisor XXXX XXXX was made aware of the conversation. 

My wife found the misplaced check which was never cashed, and she contacted Midland Mortgage Co. in an attempt to resolve the issue. Mrs. XXXX presented check numbers and other identifying information to Midland Mortgage Co in hope that this would assist in resolving the matter. She was rudely laughed at by a Midland Mortgage Co. representative and told the company would not issue another check which constitutes criminal theft. I have formally contacted multiple departments via mail and fax at Midland Mortgage Co. on numerous occasions. In a call that occurred in XX/XX/XXXX a customer service representative confirmed she could in fact see record of the check for {$1300.00}. The representative stated she saw no signs of the check amount in the unclaimed funds account of Midland Mortgage Co. In response, I stated that you also should be able to verify that the check was not cashed, and she agreed. I have kept detailed written transcripts of conversations with Midland Mortgage Co. concerning this matter as well as the physical check copy. I am prepared to pursue legal action if the company will not respect my attempts to resolve this matter amicably.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NM)

My loan was sold, to someone who has not contacted me, and I was just given notice. My payment next month is with a new servicer, of which has not contacted me, and when I contact them, they refuse to give me any information. How am I supposed to pay, when I don't even know the loan number for the account with the new servicer. I have XXXX, and do not need the stress from XXXX. If you look up XXXX  in the dictionary, it says see a banker. They should be fined for playing games with a person with a XXXX.
Consumer complaint received 2021-01-22
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: Credit Plus Inc (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I chose to get a parent plus loan for my daughter of {$3500.00}. It was time to repay the loan. I also had to reapply for income driven repayment plan and my payment went from {$250.00} to {$890.00}. When I called to ask why the increase was so high Navient stated that it was because I consolidated my loans with the parent plus loan. I explained to Navient that this was recommended by Navient. The CSR I  spoke with stated that I shouldn't have listened to the recommendation. I also was told that I could go to income driven repayment program but that it would eliminate me from the forgiveness plan which I have been a part of for over 5 years.
Consumer complaint received 2022-04-28
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: EdFinancial Services (MI)

I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with EDfinancial XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 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 XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a HELCO where the draw period ended in XX/XX/XXXX. The HELOC became amortized at that time. Months before, I requested Bank Of America agree to reduce the amount of the amortized payment, possibly amortizing the amount over a longer period. 
In 10 years I never made a late payment and did not ever want to be late. I just want to repay the loan, making a payment I can afford. 

Bank of America rejected this, stating I had shown no need for this request, and did not fit their delinquency program requirements. 

In a mostly boiler plate letter, the representative, XXXX XXXX, said if circumstances changed, reconsideration may be available. I sent her a letter on XX/XX/XXXX, showing a change in circumstance. Not hearing from her, I left a voice mail on XX/XX/XXXX and again on XX/XX/XXXX. Still not hearing from her, and having no main phone number to call, I left a message on the voice mail of XXXX XXXX, letting her know I knew this was not the correct extension, but hoping she would have the courtesy to call me back and refer me to the correct person. Again, she has not called me back. Apparently, the only way to get Bank of America to respond, is to file a complaint.