davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MS)

I just bought a XXXX XXXX. Hyundai Motor finance is the one financing my car. I was signed up for auto payments they started out right but in XXXX they took out 2 payments one XX/XX/XXXX and one XX/XX/XXXX each one was for XXXX. They overdrafted me in my banking account. So on XXXX I called them and told them what they did. Talk to XXXX at that time at XXXX he was going to send me a refund check of XXXX it would take 3 business days to make check and up 7 days for mail to get to me. XX/XX/XXXX talked to XXXX to make sure the guy I talked to before did what he said she said that she would ask for refund cause the guy XXXX didn't send it in. she said it would takes 14 days to get to me. XX/XX/XXXX called to get update XXXX said that the refund had not been issued yet but i could have the extra payment they took out put on my XXXX payment I said ok we can do that. She told me that it would be credit to my XXXX payment by XXXX. Never happened called up there again talk to XXXX XXXX she said that the credit never went thru and she would push it thru. XXXX I called back up there talked to XXXX she said that the payment will be posted by XX/XX/XXXX. Never happened today I called up talk to XXXX a supervisor he said they are really behind and that he would get it posted to my account as soon as possible. I told him that my payment is due by XX/XX/XXXX what happens if y'all dont get my payment posted by then. He said well you have a 10 grace period before you start having to pay late fees. I said I'm sorry sir but I'm not paying no late fees cause y'all already my payment but want post it correctly. I am tired of being lied to and not having my issue fix this has been going on for a month now. I would like this issue fix asap on Hyundai side
Consumer complaint received 2018-10-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (CA)

I received two collections letters from XXXX XXXX XXXX ( aka XXXX XXXX ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CO)

I had two XXXX XXXX  accounts, I called XXXX in XXXX of XXXX to cancel after months of issues with the company and updating credit card information with XXXX XXXX, XXXX XXXX and XXXX, all employees of XXXX XXXX. Both accounts continued to have separate problems which the company was negligent in solving after several attempts. Upon initiation of canceling accounts in XX/XX/XXXX, XXXX only allowed me to cancel one account. They sent the other account to collections. XX/XX/XXXX my teen daughter received emails from XXXX XXXX XXXX stating she owed {$100.00} for the XXXX Account. I contacted the firm, requesting more information, a breakdown of charges and months. I was informed I needed to request in writing. XX/XX/XXXX I sent a letter with request for a detailed formal charges for the account. This letter was sent through the post office via confirmed mail. Tracking # XXXX. The only information was the email my daughter provided with a button that you could click on to pay. the firm had not contacted the adult either by mail or phone. XX/XX/XXXX I followed up with a call to XXXX XXXX XXXX as I still had not received any communication from them. The associate states, " you did not update your address, and you sent the mail back to us. '' this is inaccurate information, on the first call to them in XX/XX/XXXX, I verified my contact information, due to not receiving any communication from the which they stated they had attempted calling, I also sent my address in the requested letter and on the envelope. As of XX/XX/XXXX, I have not received by Colorado Law lawful account information of detailed charges being requested, even after following the correct policies requested by the company. This appears as deceptive practices.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (ME)

Eight weeks from the writing of this letter my husband and I began the process to request a corrected discharge of our home mortgage with US Bank # XXXX which was paid off in XX/XX/XXXX. The title company is refusing to close over the error despite us showing evidence of it being paid years ago. In contacting customer service multiple times over that period we were finally provided two email address to use to try and resolve the issue : XXXX ; XXXX We got a response from XXXX on XX/XX/XXXX and after several days of research they told us they could not help us on XX/XX/XXXX. They then forwarded that email to the " Non-Purged '' address and we have yet to hear despite the claim that they would get back to us within two weeks. I've sent two follow up requests to the Non-Purged box with the same results. 
This experience has been incredibly frustrating and could end up in injury to our personal finances as it is jeopardizing the sale of the property. We have had to convince the buyer to now extend twice. We do not know if we can convince them a third time. We have also filed a compliant with the office of the CEO over a week ago and have hear nothing. 

Please help us resolve this matter immediately. We need to sell this property. Thank you.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC (CT)

I have attempted to work with the creditor in an attempt to pay back said debt. I have called numerous times, and when I call no-one is available to answer questions about my account nor do they ever call back. This creditor has been practicing illegal debt practices by using deception and reporting false information in an attempt to collect said debt. This creditor failed to send notification of any alleged missed payments prior to filing a wage garnishment proceeding. The account was in dispute due to this writer requesting account verification paperwork from creditor to verify the validity and amount of debt owed. Proper verification was never sent. In addition to that, they have falsified the amount that is owed and that has been paid. This writer settled on an amount of {$2700.00} to be paid to creditor, to date {$1900.00} has been paid, and the creditor has falsified documents to deceive the court that I have paid only {$1400.00}. I have attached payments from my bank statement for reference.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (LA)

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

XXXX contacted me by phone about an utility bill for a home which I have NEVER lived in. I told XXXX rep that was not my debt, they mailed me a package with bills for a home in XXXX NY. I have NEVER lived in XXXX at such address. Today XXXX I received bill from a Collection Agency which I don't even know whey they took this debt without verifying if it was mine! I don't want ANY collection agency harrassing me for a bill that is NOT mine! I need this company to stop communication with me immediately and remove this debt from their file! This is NOT my bill and XXXX knows that! They also claim its from XXXX I lived in XXXX in XXXX This is an OLD debt past statue of limitation in NY and its also NOT my debt.
Consumer complaint received 2022-12-20
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: Creditors Bureau Associates (GA)

Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company XXXX times, and they are still holding inaccurate information on my reports. 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. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this process.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (FL)

Ingo money, XXXX XXXX, serve acct # XXXX XXXX XXXX Porte acct # XXXX XXXX XXXX XXXX ( closed now ) Been using Ingo money for years paying 5 % and now refused to serve my account
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I received a payment and as I was trying to withdraw the funds I received a message unable to process so I was trying to relink my paypal since I'm having trouble cashing in as I was doing the process many times the paypal message me that they will permanently limit my account and will not be able to use paypal I will not be able to withdraw and send payments. I was trying to email them and I was always redirect to the resolution center but no resolve button since they will permanently limit my account.
Consumer complaint received 2022-08-01
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. (IN)

n accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
Consumer complaint received 2021-04-08
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 inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Consumer complaint received 2020-08-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

1. I received an Certificate of Deposit offer in the mail from Citibank where I do my banking. 

2. Since I had an existing interest bearing IRA account with Citibank practically getting negative returns after fees, I decided to participate in this CD offer@ 2.5 % interest. 

3. My personal banker informed me she was unable to handle the transaction so I had to work with the branch bank president because it was offer from the retirement division of Citibank. As a customer of this institution wouldn't the president act as a fiduciary in this transaction? 

4. Late in the afternoon we went through an application about 7 pages first which seemed correct. After which he created an IRA transfer document with the dollar amount. I had to sign both these documents and be hurried out for closing of the bank. 

5. Assuming he took care of all the details I wrote the maturity date on the cover of the folder containing all the documents and filed it at home marked a personal calendar as a reminder when to move the funds 18 months later. 

6. I recently went to move the funds after 18 months only to discover he never established a CD at 2.5 % instead he failed to fill out the paperwork correctly and had it in an interest bearing account at .005 %. 

7. I tried every way to get this bank to remedy the problem and they refused because the incorrectly filled out transfer paper was a signed contract. 

8. Now, do I have a chance in ( Help ) to correct this {$1000.00} dollar lose? This bank Pres. is supposed to act as my fiduciary and protect my interest not pull a bait and switch on a 20+ year customer.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (AZ)

I got scammed by XXXX. It happened XXXX last year. I used Crypto.com to convert dollar to crypto to send to scammer. The scammer disappeared and my funds were lost. I contacted cyypto.com and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.
Consumer complaint received 2022-10-24
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. (RI)

A new credit inquiry appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX XXXX. I have not applied for a credit card or a loan with this institution so I suspect it is fraud.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : Equifax Mortgage SerDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC (CO)

On XX/XX/XXXX, LoanCare sent us a letter stating that they were going to be our new mortgage servicer. Our former mortgage loan subservicer was XXXX XXXX XXXX XXXX and they were transferring our mortgage to LoanCare. 

Our complaint is that LoanCare has failed to add our mortgage payment history to the three major credit bureaus ( XXXX, XXXX  and XXXX  ). This has resulted in a lower credit scores and higher interest rates for our two recently obtained auto loans and four recently obtained credit cards, as well as a refusal by another mortgage servicer to refinance our mortgage until this information was accurately reflected on our credit reports. 

We have repeatedly called and gotten in touch via the help center on the LoanCare website to have them add this information. As of today, XX/XX/XXXX they have still failed to do so which is evident by the fact that we just pulled all three credit bureaus reports for both my husband and myself and this data still is not being reflective therein. 

Most recent requests were : XX/XX/XXXX Email from a LoanCare confirming their receipt of our request that they add mortgage payment history data to all three major credit reporting bureaus. 
XX/XX/XXXX. Email confirmation of inquiry regarding mortgage account XX/XX/XXXX. Email stating they received inquiry and are assigning it to appropriate department with ticket number XXXX XXXX We emailed a picture of XXXX credit report showing no mortgage data on summary page requesting that LoanCare review the amount of time weve had the mortgage with them and report accordingly to all 3 credit  bureaus. 

There are other disputes with this lender as well but it would be too lengthy to address all of their failings here.
Consumer complaint received 2022-07-26
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: LEXISNEXIS (FL)

I have for almost a year now been in a battle with LexisNexis to remove the negative items on my report, including a bankruptcy record. They keep telling me the bankruptcy has been validated and I have requested to see how they have validated this, as I have previously contacted the courts and they have mentioned they do not validate this information. I once again emailed the courts last night for additional verification and they have replied that in fact, they do not validate this. LexisNexis is violating my consumer rights and I need your assistance to have them delete this record and stop reporting.