davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I called the XXXX credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX  Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

This debt is fraud. I cancelled my insurance with XXXX and switched to XXXX. I have proof of insurance with XXXX starting from XX/XX/2022. I have disputed this several times, called the collection company and told XXXX to cancel this policy before it sent to collections.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (TN)

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$640.00} and {$1100.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX and XXXX Balance : {$1000.00} and {$140.00} Account Name : XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$590.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress Despite my efforts to resolve this unfortunate nightmare for several months now, these three credit bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Pioneer Law Firm, P.C. (NV)

I recently paid off, after four years, a credit card consolidation debt resolution program. I entered this agreement with Pioneer Law Firm, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone number XXXX ). 

My account has been paid in full. I was informed on XX/XX/XXXX, by XXXX, that I had a balance of {$2800.00} left in my account. XXXX told me, however, that I owed {$23000.00} on the account to XXXX  XXXX XXXX, or their legal agent. So, I told her I wanted all drafts from my checking account stopped, the account closed, and a refund of the {$2800.00}. 

A week later, on XX/XX/XXXX, I spoke to XXXX. He told me the money ( {$2800.00} ) would be deposited in my account between Wednesday and Friday ( XXXX XXXX ). 

On XX/XX/XXXX, I was informed by XXXX that now there was only {$2600.00} in my account due to administrative fees. After more than an hour on hold, speaking to XXXX, then another hold, I wrote Pioneer an email explaining this situation. The last I was told was that another department had to handle the cancellation. 

Subsequently, I have received only inconsequential emails from Pioneer and played phone tag with a man named XXXX XXXX, with no resolution in sight. 

In short, after four long years, and over {$30000.00}, I have come to find out that Pioneer has only settled about {$20000.00} in debt. Our agreement was to settle over {$43000.00} in debt. Pioneer Law Firm did NOT uphold its end of the bargain. Therefore, I am lodging this complaint. I asked for a refund of what was left in my account, and I was told it was on its way. I was told that I still owe over {$23000.00} on this account. How could that possibly be? 


Consequently, I want the {$2800.00} Pioneer Law Firm had in my account when I asked them to send me a refund. And, finally, I want the {$23000.00} taken off my credit report, which is what Pioneer Law firm was supposed to be doing the last four years, While I was paying them {$630.00} a month. 


I mistakenly mailed this letter to XXXX, XXXX on XX/XX/XXXX. I will also mail and fax this information and the relevant documents to you. 


Thank you for your kind attention.
Consumer complaint received 2022-08-03
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. (CA)

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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (WA)

Im permanently XXXX with XXXX XXXXs. Im home bound and also a military dependent. I opened this bank account over two decades ago. Ive never had overdraft protection. Im good at budgeting the XXXX I get total monthly from Social Security. This morning I called to Purchase a car battery through XXXX because I have no running car. I use it for a security alarm. I sleep with my keys in case I need to push panic on my XXXX year old vehicle. My account is negative. I have access to XXXX dollars. The bank was very rude offering me the fraud number. They advised me fraud department closed XXXX. I can call tomorrow. You mean the XXXX when I get my XXXX?? From Social security XXXX?
Consumer complaint received 2021-10-26
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: Conn's, Inc. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} Conn Appliances XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-09-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MS)

In 2006 I had an FHA mortgage from Chase Home loans. My wife passed away and the day of her funeral the house was robbed. I filed a claim with my home owners insurance, but never received the check. While searching online I found that i had unclaimed funds from that robbery. The check is listed in both my name and the mortgage company. I contacted them several times over the past 6 months and finally received a form letter from them stating that they could not release the funds due to the foreclosure. i am attaching a copy of the unsigned form letter received from them. They never stated that I owed them money only that it was a foreclosure.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I made purchases with the company Coinbase during the months XXXX of 2020 and also XXXX of 2020 and for some reason on the day of XX/XX/2020 I go check my portfolio and my purchases that I just mentioned were gone my portfolio said {$0.00} and I did absolutely nothing to my account nor have I given anyone access to my account to warrant such results and I also had emails that Ive had with Coinbase about the situation and to no prevail they insisted on explaining to me that I may have used a different email in which I have only used one ever since the dates I just mentioned at the beginning of this statement.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AE)

On XX/XX/2021, a derogatory remark was placed on my credit by XXXX XXXX through IC Systems. I was not contacted about this. I had no idea. 

On XX/XX/2021, I noticed that XXXX XXXX YET AGAIN sent an account under my name to another debt collection agency. I have previously disputed this same amount ( {$170.00} ) twice before, to which the account was removed from my credit. 

On XX/XX/2021, I contacted the debt collection agency via email requesting that they validate my debt. I have confirmation that the email was delivered to the Consumer Affairs division of the agency. 33 days later, and no communication has come from the debt collector.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NV)

Back in XX/XX/2022 Pnc bank contacted me to tell me there were closing my account and it would be closed by XXXX XXXX and that I would be receiving a check with my balance. I have called multiple times to get answers on why they havent closed it. I have over XXXX sitting and its been over 4 months since they held my funds and wont close the account after they said they would. It is a crazy time with Covid why would you be holding my money for so long. I have spoke to multiple ppl only for them to say they will escalate it and the escalation person doesnt give me answers either. I need my money. Now.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I have been locked out from online access and my debit card is restricted. The only way they can remove it is by texting a number in my name. I have a XXXX phone in my name. Not prepaid. Every time I call to resolve the issue the rep says the number isn't good AND CALL back with a phone in my name. The phone Is in my name. I asked how do they verify and they said public records.I then searched the number on XXXX and like expected it came back to my name address and dob.I also did the same in the XXXX listing. It has been 4 plus months that I have been denied access to my money in my account. A rep advised me to go to a branch and they could help but unfortunately there are no branches within 4 hours of me. My last resort was mailing my XXXX phone bill and screenshots of the public record showing the number is associated to me. I haven't heard anything .Citi has had my money on lock for months. There internal system is flawed with verification because the phone I have is not a voip its a cell phone with XXXX that has a monthly plan in my name.
Consumer complaint received 2021-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.
Consumer complaint received 2021-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (ME)

On or around XX/XX/2021 I, XXXX XXXX, XXXX, wrote and submitted a dispute letter with Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, concerning medical debt in the amount of {$1200.00} reported to the XXXX major credit reporting agencies. This letter was written after two failed attempts at contacting this company by phone to dispute the debt and the collection associates refused to speak and hung up. This debt was incurred by no fault of my own, i do not owe it, I did not give permission to ARS to collect my medical records nor did I sign a h.i.p.a form, nor did i enter into any written, verbal, or electronic contract with ARS at any time concerning this debt in any way. They were instructed to delete and remove this debt from the XXXX credit reporting agencies and my personal credit report.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (MN)

Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account.
Consumer complaint received 2021-09-18
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 opened a PayPal account with the understanding that I could send and receive payments from my online business to my bank account with PayPal and I thought the their service was reliable. The first 12 orders that came in through my business on XXXX to my PayPal account was held and they said I needed to provide my ID and shipping information for those transactions which I did. The next day after providing those information my account was permanent banned by PayPal and I was told that my money will be held for 180 days after which I will be able to have access to it. I was very confused and tried to contact PayPal support line to atleast explain to me what was going on or talk to me but I couldn't and still hav n't been able to reach them over the phone. Their customer Service told me off ( I will link a screenshot of the conversation ) and their support line has been unaccessible. My entire business depends on those funds and I am currently unable to pay my staff because this.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

On XX/XX/2021 I ordered a product online. They invoiced me the same day but for {$100.00} more than advertised. The email was a no reply email, so I went online to get the contact info for the company to cancel my order before it shipped. The company I emailed, that was on the products website replied that it was not their invoice that was emailed to me and they don't show any orders from me. I promptly contacted Chime to let them know there was a problem with the charge. They gave me a provisional credit bu on XX/XX/XXXX, they reversed the provisional credit of {$190.00} without valid explanation. I have emailed and called speaking to 2 different reps, none able to help me. This charge is legitimatly fraud as I don't have the product and I have no way of contacting the company however Chime won't protect my money or me as a consumer and credit my account and debit the company making the charges. So right now I'm out {$190.00} without a way of recouping the funds. Can someone help me get Chime to protect my funds against this fraud?
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (PA)

On XX/XX/XXXX we received a letter from CKS Financial, a debt collector. They said I owe {$1700.00} to XXXX Bank for a XXXX account. My husband and I thought it was spam because we never had an account with XXXX Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a XXXX Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly 200 points. My credit score is usually over 800. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to XXXX Bank customer service and found out that it was a XXXX  XXXX loan and not a XXXX XXXX credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to CKS Financial to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

XXXX Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from XXXX Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
Consumer complaint received 2022-08-12
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. (LA)

I XXXX XXXX XXXX, disputed errors with Equifax that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Equifax Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA