davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

I had a newly leased vehicle with HCA Exchange ( KIA/Hyundai Motor Finance ) . The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the KIA finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The HCA Exchange company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, XXXX and XXXX. I have a letter from my insurance agency to HCA, it reads " Contact was made with HCA Exchange INC on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Carvana Group, LLC (OH)

I tried to extend my credit and conduct a consumer credit transaction and finance a vehicle through Carvana.com and their requiring a down payment separate from the finance charge which is supposed to be included in the finance charge which is the sum of all payments pursuant to 15 usc1605. I contacted someone to try and resolve this issue but no one seemed to hold authority to resolve this matter. They willingly and knowingly misleading me through false representation which is in direct violation pursuant to 15 usc 1611 & see 15 usc 1692e.
Consumer complaint received 2018-09-16
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)

While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX someone opened up a XXXX account in my name and ran up my credit and never paid the {$140.00} owed to XXXX XXXX XXXX. I tried disputing it on Equifax but they want a ten digit # I do not have.
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (AZ)

I paid for an appraisal and never received it. When I went to cancel the appraisal a couple days later link sent to us XX/XX/2021 XX/XX/XXXX I requested to cancel appraisal and switch lenders no further correspondence about this occurred until I reached out to the finance office other than trying to get me back on board with XXXX XXXX Taylor Morrison Home Funding , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX Here is my contact after I submitted payment XXXX XXXX Client Coordinator XXXX Taylor Morrison Home Funding XXXX XXXX | XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I spoke to someone at the office I believe his name was XXXX XXXX XXXX ) he called me back after I left a message since I could not reach anyone regarding where said appraisal was or refund he said they show no record of the appraisal being completed
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (IN)

My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I tried to pay off an account currently charged off with Bank of America upon paying them off I was told they I can not be provided a letter only a confirmation number the letter has to be mailed which is absolutely unacceptable and I have never heard of such thing from a bank as well as they had no explanation of the amount that was due either
Consumer complaint received 2022-09-28
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit reporting Act XXXX Account # XXXX Santander consumer has violated my rights 15 U.S.C 1681 Section 602 A, States that I have a right to privacy 15 U.S.C 1681 Section 604 A, Section 2. States A consumer reporting agency can not furnish A Account without my written instructions
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A. (MI)

My mother died in XX/XX/XXXX. PNC was notified in XX/XX/XXXX/XX/XX/XXXXbecause she had a XXXX and was unable to care for herself and her bills. She was placed in a XXXX XXXX. They contacted us and said they would come out and view the property to take back in their debt with her. They came out to the equity home ( her trailer ) and emailed us that they were not interested in it. I informed them that she is not able to pay her debt that she was very ill. It was then sold to the county because mom could not pay for her taxes, XXXX XXXX, medical care and bills. She required numerous medical needs because of her very unstable health, most of which I had to help with as her daughter. She died in XX/XX/XXXX. Upon her death, I informed PNC that they had been harassing her in the XXXX XXXX by sending her numerous statements and letters after telling us they were not interested in repossessing the colleratal in XX/XX/XXXX. They said they would stop but it continued. My mother continued to read their mail and was terribly upset. I had asked many MANY times for them to stop sending to her. They continued. She had a very bad XXXX XXXX and XXXX XXXX XXXX. She ended up having XXXX XXXX, then another. The PNC letters and statemetns continued and to this day.
Consumer complaint received 2018-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (UT)

XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.
Consumer complaint received 2022-09-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc. (IN)

We continue to receive request to collect debt from a XXXX mortgage with XXXX XXXXXXXX XXXX ( Account number XXXX ). After our bankruptcy in 2015, XXXX sold the mortgage to a debt collector, XXXX XXXX XXXX ( Account XXXX XXXX ) after receiving our discharge paperwork. XXXX XXXX XXXX continued to harass us for full payment and late penalties after we provided discharge paperwork and instructed them to contact our attorney with further questions. They then sold the loan to RightPath Servicing ( Account XXXX ) who is now harassing us after receiving a letter from us stating that the mortgage was XXXX in bankruptcy and threats to report them to CFPB.
Consumer complaint received 2022-09-19
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 (OR)

I am filing a complaint against Venmo because they have frozen my account on their platform due to " security concern '' about 14 days ago. I confirmed with Venmo via email, and phone multiple times that the transactions were ones that I was attempting to make and they confirmed the transactions that caused the freeze. The transactions that triggered my account to be frozen were one transaction that happens monthly ( same amount, same time, same person ) and the second was payment to a Venmo approved business. When speaking with a representative on the phone they agreed that these transactions should not have resulted in my account being frozen. 
I have no ability to remedy this situation and continue to be told that some one will reach out to help me solve this issue, still waiting for that to happen. 
Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen with in a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. 
This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues with in 24 hours. A company that has been operating for 13 years and grossed over {$850.00} XXXX last year alone should maybe invest more in the actual customers ability to utilize the platform.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

Wed, XX/XX/XXXX - USAA put our accounts ( XXXX of them ) in " credit only '' status, essentially freezing use of the accounts. They claim this was initiated by their fraud team. I called that day and was told by XXXX XXXX that I would have a response or my accounts would magically be unfrozen within XXXX business days. 

XXXX XX/XX/XXXX - wait ( they say they can not do anything more until XXXX business days have passed since the request was made ) XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though XXXX of the XXXX accounts have been cleared ) XXXX XXXXXX/XX/XXXX- I call Member Resolution to inquire and they " submit another request to the fraud dept '' and tell me I have to wait XXXX MORE business days XXXX  XX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though I did call Member Resolution again anyway and got nowhere ) XXXX XXXXXX/XX/XXXX - I call and am AGAIN given NO information and am told to wait XXXX more days. 

XXXX XXXXXX/XX/XXXX - XXXX withdrawals are being bounced, checks are bouncing, etc. Furious, it has been XXXX full weeks, so I call again today. After XXXX minutes on the phone with a " XXXX XXXX '' expert ( my XXXX one ), I am again told that there is nothing they can do except submit an electronic request for the fraud team to resolve it " within XXXX business days ''. 

There is supposedly no way to put me in contact with the fraud department, and they will not let me talk to a supervisor or someone " higher '' up the chain. They claim the fraud department works first-in first-out, but that is clearly not true since XXXX of my accounts were unfrozen within a few days. I have had no access to my primary checking account and my son has had no debit card for XXXX days.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. XXXX immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. XXXX reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

Well I been getting my XXXX check deposit on my chime account and all of a sudden when I went to check see if I got my check on the XXXX I always get it on the XXXX and when I check my chime for my XXXX check and try to take money off my chime card the ATM declined it and when I try to log into my chime account after my XXXX check was deposited chime closed my account And I can't called them and see why they closed my account after I got my XXXX check u have to have a account to call them
Consumer complaint received 2018-09-08
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. (SC)

I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Consumer complaint received 2022-06-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Acct # XXXX and XXXX, 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 an account without my written instructions This account also shows inaccurate information as it is reporting 2 different kinds of account number.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

My daughter and I have applied for a new Mortgage Loan for purchasing a house in the greater XXXX area from Quicken Loans. The pre-approval was quick. However, after we entered into a contract for a house, the problems started. The lender asked us to upload certain documents. The lender has a site where we have to upload the documents and we uploaded the documents that were asked for. However, it seems the lender keeps on losing the documents and asks for the same documents or new documents periodically. I have already asked them to give me a complete list of all the documents they need. We have also started emailing them the documents But, the request keeps on coming every few days. The information they are asking for can be obtained from other documents we have submitted. I am concerned that the lender is discriminating against us because we are XXXX  and employing delay tactics.
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX These are bills which were financed through the charity of the Hospital and through The emergency indigent support for patients whom don't have resources to satisfy emergency medical care.
Consumer complaint received 2023-02-21
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$3200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Hawk Inc (SC)

Company harassed my ex girlfriend via social media about my account which is very unprofessional and a breach of trust. My ex girlfriend should not know what is going on with my personal business. New associate felt because she knew my ex girlfriend she could provide her with my information via XXXX.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NH)

Received my only credit card prior to a 2 week XXXX vacation to reduce possibility of fraud while abroad. Returned home and waited for the statement, it came the next month with a late fee. I called the company and said we are getting off on the wrong foot - you sent me a statement that was after the due date - with a late fee. Chase would not budge. On XX/XX/18 I paid the balance in full over the phone with a chase representative ( {$3800.00} ) and closed my account with her over the phone due to their dishonest business practices. 
I receive a statement for {$31.00} on XX/XX/18 ( no XXXX statement sent ), again indicating that I had a {$16.00} balance and they attached another {$15.00} late fee on, after they closed my account and took my final payment over the phone. 
I find their business practices unfair, dishonest, and I believe the public needs to have the ability to protect themselves from these XXXX dollar corporations with unfair practices. As a veteran, I have moved over to XXXX for a credit card and have had none of these occurrences. 
We as individuals in the country, are literally becoming economic prey to these big banks.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (SC)

XX/XX/2020 Santander Consumer USA was sued for misleading subprime loans in Sc I was award an amount and according to the settlement my loan associated with the lawsuit had to be removed from all credit bureaus, Santander has failed to remove the item off my credit report after serve attempts. Attorney XXXX XXXX will take over if this matter isn't fixed.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MA)

After my lease was bought out by the dealer a got a new car from, Ally Financial still billed me for another month of the previous lease. After numerous calls, they finally agreed that the car was not under my possession anymore and that they will send me a check for the amount owed. I was given a reference number for the check and was told that I would be receiving it in the next couple of days. After 2-3 weeks I followed up with them and they said that they could not process the reimbursement because my account was closed and they could not get access to my information anymore.
Consumer complaint received 2022-06-06
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. (MI)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX, XXXX XXXX XXXX  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 2019-01-10
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)

I check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

Received email on XX/XX/2022 from American Education Services with faulty and misleading information including IN BOLD or HIGHLIGHTED text that makes the message appear super misleading, faulty, and fraudulent about student loan forgiveness and then directs consumers to apply to re-finance their student loans at what would most likely be MUCH HIGHER INTEREST RATES with HIGHER monthly payments.