davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (OH)

On XX/XX/XXXX I submitted a consumer complaint under complaint ID XXXX. In that complaint I advised Kia motors XXXX that an erroneous claim was sent to the credit reporting bureau that I was 60 days late on my auto loan that had auto draft set up. I was originally told by Kia that it is a kia policy to automatically turn off auto pay for the very last payment to ensure that the full amount gets paid. After complaining that I was not properly notified of the termination of auto payment I submitted the aforementioned consumer complaint. In that complaint I was told by Kia the following : " While XXXX is sensitive to the concerns of XXXX XXXX, there seems to be some confusion as to XXXX XXXX Autopay plan. Autopay is a monthly recurring payment system that customers can sign up for on XXXX XXXX XXXX. The customer sets the date of withdrawal and determines the number of payments to be withdrawn. On XX/XX/XXXX, XXXX XXXX set up Autopay to withdraw a total of sixty three payments. The term of XXXX XXXX contract was for sixty six payments, two of which were made prior to his creation of the Autopay, leaving one payment unaccounted for. " Kia is now reporting that in fact they did not turn off my auto pay as a standard practice but that there is an unaccounted for payment because I selected one less payment of the terms of my loan. 

I counter that claim with proof that two payments were made on XX/XX/XXXX. This payment is not being accounted for and was done in error which I previously complained about. Attached is proof in the form of a bank statement from my personal checking account that auto-drafts were made from showing the 2 payments that were made on XX/XX/XXXX. 

Furthermore, attached is my payment history document from Kia. This document shows that as of XX/XX/XXXX I had made 65 payments of the 66 payment loan term. As Kia mentioned in their XX/XX/XXXX consumer report response : My final payment was due on XX/XX/XXXX- Meaning I had one payment left ; that was eventually paid on XX/XX/XXXX in order to close the account. Including the XX/XX/XXXX payment and the 2 payments that were made on XX/XX/XXXX that actually means I paid kia 67 payments of a 66 term loan. 

Kia, please review your accounting records in respect to my checking account records and you will see that I made all 66 payments to Kia before the maturity date and yet Kia sent a false claim to the credit reporting bureau that I had a late payment.

My desired resolution at this time would be to withdraw the late payment claim from the credit reporting bureau. I am not even fighting you on the extra payment in the amount of {$350.00} that I made. I just want the claim removed from my credit report. If needed, I will even send you a copy of my checking account showing all 66 payments before the loan maturity date. If the late payment claim is not removed, I will be forced to take litigation.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-15
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. (NJ)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2016-12-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (OH)

My EX took funds without my knowledge and concealed it via mail fraud, the amount is in excess of XXXX. 
PNC Bank is aware and has done nothing to hold XXXX XXXX accountable for such electronic criminal identity theft of me and economic harm.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DailyPay, Inc (IA)

I started working for XXXX XXXX XXXX XXXX in XXXX. When Began working for them, I didn't have any money. So my employment offered a service called dailypayXXXX, which it would lend you half of your daily pay. If I made XXXX dollars a day, the service would lend me XXXX dollars. The rest would go to my bank account. I used the service for my first check. They took XXXX dollars from my check and i received XXXX dollars at my bank. I didn't borrow no more money, the 2nd check out of nowhere, these people took XXXX dollars out of my second check for know reason at all. I called them and their receptionist became defensive. By them taking so much money out of my check i had to use the service for third time. They took double the money out of my check. Finally out of my fourth check, DailypayXXXX just took XXXX dollars out of my fourth check really stealing my money. I went to my employer about this, he is looking into it, and the XXXX XXXX XXXX  told me to contact you guys. I can't pay my bills. I barely can pay my rent. XXXX 's is coming up and cant by anything for my kids. This company is a scam and a thief. Please look into it, I have the proof to show the stealing. If you need it.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2022-11-22
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: Paypal Holdings, Inc (TX)

XXXX is debiting my bank account without permission and in what seems to me unethical at best, possibly illegal. 

After 12 years using Paypal, they " permanently limited '' my account for reasons they refuse to disclose. Hundreds of thousands of dollars of business transactions were done over the years. Frustrating to not even know why this happened. 

First complaint, they have basically seized {$43.00} left in the account for XXXX XXXX ( XXXX ) and claim they will only release it after 180 days. XXXX MONTHS! 

The real issue though is that on the XXXX of XXXX I had transferred {$260.00} to my bank account with XXXX XXXX. This was the proceeds of sales activity, minus all Paypal fee costs. I do not owe XXXX any money. The {$260.00} cleared my bank and became available as a completed transaction on the XXXX. 

A few days later they terminated my account and then placed into motion an ACH debit for {$260.00} in my bank account. I called them and they basically said while I did not owe them money they could and would do this and hold the money for XXXX months, then maybe transfer it back to me. 

Paypal has no legal reason to do this other than their size allows them to abuse people. They claim it is to protect themselves from non-shipment of sales items or chargebacks, but they also will not allow me to remove the bank account from their site. Any chargebacks would come back to the bank account in any caser so this is a lie to simply take money from people. 

Further, while the {$260.00} ACH shows on my bank account, the charge does not appear on my Paypal transactions. The {$260.00} has been debited from my bank, but not reflected on my Paypal balance nor in the transaction history. They have cloaked or hidden it, which seems almost criminal to me. 

What would stop Paypal from placing ACH charges on my bank account at any time, in any amount? Very abusive. Why is this legal? Help me. I have already filed a claim for fraud with my bank, but as of yet they have not replied to me.
Consumer complaint received 2022-03-15
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. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/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 XXXXXX/XX/XXXXXXXX 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 ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND XXXX AND EQUIFAX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION
Consumer complaint received 2022-03-15
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. (AL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : All three XXXX, equifax, XXXX  Account XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.
Consumer complaint received 2016-12-13
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: Onity Group Inc. (CA)

We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Consumer complaint received 2019-12-06
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. (CA)

two account XXXX  and a XXXX XXXX accounts are reporting under my name, which do not belong to me, these are inaccurate information reporting under my name, i have made a complaint any times with the XXXX  and equifax. 
please help me to have these stressful situation ends. i have also filed a FTC report and sent to bock agencies many times. 
XXXX is reporting discover and a wells fargo account and equifax is reporting a bankruptcy that i had never filed. 
please help me in this situation. 
thank you
Consumer complaint received 2019-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Opened account XX/XX/XXXX with promotion for {$100.00} bonus given to account holder with two direct deposits of at least {$250.00}. Promotion fine print will be attached as PDF document. 


The terms of this deal, quoted from the contract, read, " you are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last six ( 6 ) months ''. 

I was the owner of a Bank of America personal checking account closed 7 months prior to the opening of this account. I satisfied all terms and conditions of the deal. 
XX/XX/XXXX and XX/XX/XXXX direct deposits satisfied the requirements of this deal. 
Bank of America owes me {$100.00} at this time. I have notified Bank of America of this and they refuse to pay, stating they have paid me a bank account bonus in the past. That is not relevant, as that is not part of the terms of this contract. Bank of America would be in breech of their contract should they continue to refuse to pay the debt owed for reasons they are making up after creation of the contract.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (OK)

I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I applied for a quick trip card with XXXX XXXX XXXX XXXX for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX   payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (OR)

Using Wise ( formerly Transferwise ) I began a transfer of around {$4000.00} USD into XXXX Pesos on XXXX XXXX, 2022 using a business account. 

-It is important to note that setting up the business account cost me {$31.00} USD and it required me to provide proof of address of the business, ID 's of myself and account details for my business. 

The next day, on XX/XX/ 2022 and after XXXX hours that Wise received the money they asked me again for proof of the bank account transfer and proof of ownership to this bank account ; I submitted them immediately. After XXXX hours of submitting it Wise sent me another email asking for the same details : I uploaded them again and called their customer service line ; they told me that I uploaded the documents in a wrong place but they've found it and will take care of it ( I did not wanted to argue but there is only XXXX place I could upload information ). 

XX/XX/2022 still no news about the transfer. I called again and they told me they would take a look into it. After this, a button to share the status of the transfer appeared on my end and it was shared with the receiving end ( the estimated time to deliver the transfer was at most XX/XX/XXXX ). 

XXXX XXXX, 2022 after another unproductive call to the customer service line another set of documents were requested over email and the web app. They ask again for proof of ownership of the account and again for an ID which i submitted. They confirmed they've received the documents but should wait XXXX hours. 

XXXX XXXX, 2022 the button to share the status disappeared sending a very troublesome communication to the receiving end. Delivery status changed to undefined. I cancelled the transfer and asked for reimbursement. 

After this I called every week to customer service without effectiveness. My money is still on Wise 's hands for a month now and with no clear date to when will I get it back.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ACQ Holdings, LLC. (MO)

I was served by XXXX XXXX County back in XX/XX/XXXX, I never received anything from this company prior. I called XXXX XXXX XXXX the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted today XX/XX/XXXX by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.
Consumer complaint received 2022-08-04
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden name!
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.