davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I financed a new car through Hyundai Motor Finance and made our payments every month on time and paid off the car on XX/XX/XXXX. I mistakenly made another payment in the amount of {$620.00} on XX/XX/XXXX. Within a matter of days we realized the mistake and contacted Hyundai Motor Finance to let them know that there was an overpayment of {$620.00}. They told us at the time that they would send an email to the correct department and we should receive reimbursement for the overpayment within 6 weeks. About 7 weeks passed in XX/XX/XXXX and we still had not received the refund and so we called them again. At that time they said there had been an error and we would receive a refund of {$620.00} within 4 weeks. After the 4 weeks passed with no refund we contacted Hyundai Motor Finance again in XXXX of XXXX and they said that it had been denied but there was no reason given and would submit it again. About a month ( XX/XX/XXXX ) passed and we contacted them again and they told us the same thing that it had been submitted and we should receive a refund. After several months my wife and I contacted my bank to dispute the charge. After several weeks the claim was denied because they stated that I needed a letter from Hyundai Motor Finance stating that the car had been overpaid. Today XX/XX/XXXX I called and spoke with a representative with no resolution,. My wife called and was finally able to get a supervisor on the phone. She spoke with XXXX. She told her that none of the emails had ever been responded to and would not send a letter stating there was an overpayment even though the website and bank statements clearly show that there was an overpayment of {$620.00}. I called back and they refused to let me speak with a supervisor and was hung up on. It has been over 7 months and I still have no relief from the {$620.00} that should have been returned.
Consumer complaint received 2024-01-23
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. (NY)

I am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXX. This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report # XXXX for your reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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. (MI)

I've been disputing a fraudulent account that has been reporting on my credit report. The company is XXXX Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted Experian to dispute this account. 

Spoke with the customer service representative and was told to contact XXXX. I called XXXX Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. XXXX sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide XXXX with a letter stating I have only lived at one address in the complex. And as of today Experian and XXXX are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and Experian nor XXXX Credit Card has upheld this law.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MO)

Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON XXXX, XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XX/XX/XXXX claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XX/XX/XXXXthat it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I received a written response from Wells Fargo, which basically said they did nothing wrong and that in fact I never had a locked in rate. That was not true and again I was never told at anytime during the course of the application that my rate was contingent on my home appraising at {$500000.00}. I got my own appraiser, e said the appraiser that Wells Fargo used left anywhere from {$75000.00} to {$100000.00} off the value of my home. The appraiser I got also said the XXXX XXXX XXXX XXXX comparable was listed at {$690000.00} and sold for cash for {$550000.00}. That property was sold for redevelopment not to live in and was listed as a non-usable property on that tax board website, the appraiser I hired said Wells Fargo 's appraiser never checked the sale of the property, the XXXX XXXX   XXXX XXXX was a transfer of title to a business, yet Wells Fargo had that as a sale {$380000.00} when in fact the property was never sold, the Wells Fargo Appraiser never checked that either. The XXXX XXXX XXXX XXXX property other than being on a busy road isn't close to be comparable.The were numerous factual mistakes about my home as well, with regard to upgrades, efficient heating and cooling system, and size of my property, yet somehow Wells Fargo insists they did nothing wrong. How can you make a determination of value when you are not comparing to properties that are usable properties. I file a complaint with the NJ State Attorney General against the appraiser that Wells Fargo used. I want something done.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX and XX/XX/XXXX I contacted capital one bank to try and get a lower interest rate or to see if I was able to refinance for a lower payment and they said no my loan does not qualify for anything other than payment deferments now I owe {$1100.00} at the end if my loan maturity date because I gave deffered two payments already I have lost my job in XXXX of XXXX and still waiting for pua benefits I can not find another job due to medical reasons my family is getting sick of helping me keep my vehicle
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MA)

National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

I was charged {$21.00} per month since XX/XX/19 for services I never authorized via Experian. I do not have an account with them. It is not a credit card that I use and I pay the bill automatically so I haven't looked at the bill. 
I can not contact them to dispute. I have attempted both online and via the phone. I canceled the credit card.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union reported that my XXXX account is at the limit but this account has been paid down to {$580.00} is my Current balance and {$1400.00} is Available credit
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$20000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2017-12-07
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: Experian Information Solutions Inc. (IL)

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (GA)

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX   ( XXXX and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX XXXX XXXX Equifax ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( Equifax, XXXX, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX & Equifax ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$18000.00} XXXX  ( Equifax, XXXX, XXXX  ) Unauthorized Inquiries : XXXX  - XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ( 4 TIMES ) XXXX
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (OH)

I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

My XXXX account was hacked in XXXX of XXXX  and because my XXXX XXXX was tied to my XXXX payment source ( XXXX ), those who hacked it were able to charge almost {$2000.00} in fraudent XXXX trips and XXXX XXXX  ( which I have never used ) deliveries. I first reported the fraud when I received my XXXX statement. I reported it again in XXXX when more of the fraudent charges posted. In each instance, the representatives of XXXX Barclay 's told me I had to pay the entire balance, even the charges reported as fraud, or my credit rating would suffer. My XXXX  XXXX XXXX XXXX was also tied to XXXX and was used, but unlike XXXX, they informed me I did not have to pay the disputed amount. I have made a total 22 calls to XXXX since XXXX and spoken to multiple staff and had to report the fraud a total of 11 times ( since those who took the claims evidently did not know how to take the reports ). I am now on the 22nd call with a supervisor, who is looking at notes from another supervisor with whom I spoke on XX/XX/XXXX, and the notes stated I would receive a credit for the fraudlent amount. And that did not happen. This supervisor 's name whom I spoke with today is XXXX, Operator ID XXXX and the Case # is XXXX. She was very helpful but time will tell if there is follow up behind the promise to resolve this case that has been ongoing through no fault of my own, since XX/XX/2022.
Consumer complaint received 2021-11-05
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. (NJ)

For the past year and most recently XXXX of this year XXXX I have been disputing inaccurate information that was being reported by the credit bureaus transunion up till this point neither the companys sending over that information or the reporting agency have accurately and fully have addressed the problem they continue to disregard my attempts to clear my name and credit profile. I have sent numerous disputes challenging the accuracy of these accounts and them belonging to me which they dont Ive asked to be sent any information that was used to validate the alleged debts and to my efforts these have not been verified and to make things even worst are reporting names and addresses with accounts that I never opened.I dont even know how this is allowed to continue and is definitely illegal!
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recover, LLC (WI)

In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.
Consumer complaint received 2017-12-07
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. (IL)

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, TransUnion & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan C. Frank & Associates, LLC (TN)

JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.