davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

I am an XXXX year old widow. My late husband, who passed away in XX/XX/XXXX, did most of the business transactions for our household. I owned a XXXX XXXX XXXX, which I did not like. I had previously owned a XXXX XXXX, which I liked very much. So, I went to XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX and asked if they could help get me into a XXXX XXXX. 

When I left the dealership that day, I had : 1 ) a brand new XXXX XXXX XXXX with a selling price of {$21000.00}.

2 ) a loan in the amount of {$42000.00} from Kia Motors Finance.

3 ) monthly payments of {$640.00}, which is nearly 1/2 of my monthly income ( primarily Social Security ). 

I am not a sophisticated business person, and in hindsight, this appears to be a transaction which the car dealer and Kia Motors Finance should have known was doomed to fail. I believe the car dealer and Kia Motors Finance took advantage of my lack of knowledge about automobile finance, and I am now facing repossession of my XXXX XXXX XXXX.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Chase Holding Funds On XX/XX/XXXX I went to my home bank in XXXX, Georgia and spoke with the lead teller, -- -- --. I informed her my visit to the bank was because my account was restricted. XXXX asked if I filed as an XXXX or XXXX XXXX. I told her I filed as a XXXX XXXX and that I have a listed dissolved XXXX, to show proof of business since XXXX. As we waited for my documents to be approved, she ensured me that the government was holding my funds. -- -- -, with a very condescending voice, wanted me to know that Chase was not involved in my account being frozen. I informed her ; I was able to withdraw funds on XX/XX/XXXX. She rudely responded, You should not have been able to pull those funds out. I was automatically met with poor customer service and treated like I was at a check cashing business and not my personal bank. 
XXXX -- -- - informed me that the legal department would not accept my documents ( Schedule C, loan documents ) and to call the SBA and ask for an EIN number dated before XX/XX/XXXX. I tried to explain that the Small Business Administration does not assign EIN numbers and filing as a schedule C ( XXXX XXXX ) my social security is my tax ID, which is written, as such on my schedule C. According to section D : Employer ID number ( EIN ) ( see instructions ) If you do not have an EIN, leave line D blank. My business qualifies as an eligible entity under the CARES Act : An individual who operates under as a XXXX XXXX, with or employees, or as an XXXX XXXX.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TekCollect Inc. (FL)

TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX TEST, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!
Consumer complaint received 2020-11-30
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: Credit Plus Inc (SC)

On XX/XX/, CREDIT PLUS add a hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX 
On XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
Please laminate hard inquiry efforts, remove and notify all credit bureaus such as XX/XX/XXXXand XX/XX/XXXX to delete an account immediately. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-11-03
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. (CA)

I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
Consumer complaint received 2021-10-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: POPULAR BANK (NJ)

I have a cd with bank named POPULARXXXX  that has matured on XX/XX/2021 I want to close and transfer this cd to my external checking account bank will not close the CD producing all sorts of excuse. plEASE Kindly take necessary action. 

Name of the bank : POPULARXXXX BANK PHONE XXXX MY EMAIL : XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, Equifax and XXXX  are failing to remove these inquires.
Consumer complaint received 2021-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I requested a refinance loan from Rocket Mortgage. We came to agreeable terms. 
My Loan Officer went on vacation. While she was gone my loan was rewritten to include a 25 year loan instead of a 30 year VA Loan. This increased my payment by {$300.00}. Also my percentage rate jumped from 2.87 to 2.99. The president told me it was because my credit was bad.

I cancelled this loan before my loan officer returned. When she returned she wanted to know why I cancelled. She tried to go in and rearrange it back to where it was.

I told her what the president said about my credit and she told me that VA is more forgiving about credit and it didnt really matter. So my rate was raised because my credit wasnt good enough, but, but it didnt really matter with VA anyways.

My loan was reconstituted, except for the raised percentage rate of 2.99 % instead if 2.87 % So it looks like a quick shuffle to raise my rates.

From the # 1 Lender in the Country.
Consumer complaint received 2021-05-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (IL)

I have been trying to get Well Fargo Auto to correct two thing on my credit. The most important one is the charge off on my credit report because the balance was paid in full. I brought my car in XXXX, I was paying late after got injury work lost my job and had to go XXXX, but I caught up on my car loan it was pay off in XXXX my original amount of car payment amount was approximately {$900.00}, which I paid as agreed. But I was wondering why I havent received my title in XXXX. So Well Fargo Dealer Service said I still XXXX in Interest which I didnt know until i got a letter in the mail state that my account was sent to a Collection Agency called XXXX XXXX  XXXX .So I agreed to the Collection agency {$100.00} month and the fifth payment was to take the remaining balance, which was approximately for {$180.00}, they took out electronically for five months. I received my title XXXX, It even states on report my credit record that loan was paid in full. I was shopping for car a in XXXX at XXXX ran my credit and we saw that it said was paid in full/charge off. So the dealer and I called Well Fargo about issue and told me and dealer that my loan was paid in full and that they will fix the problem, remove It from my credit and send me my title in 10 days and they did send my title. So when I went to XXXX XXXX and traded in my car, with the title in hand. it still pop up again on my credit. So XXXX call them and ask how do u have this car as a paid in full/charge off and she has her title Theres is no way if her car loan was charge off she wouldnt have her title. He told them Im trying get her in a new car, but banks are going to give her a hard time. They said they would fix then. Then we ask why are there two Well Fargo on her credit report one said pay in full the other said paid in full also, then charge off. Then  theres two loan that are different, but its the same information. Again they told me it would be corrected. On top that why hasnt the credit bureaus remove from my report and its 13 year old. I call and filed a dispute with all three Credit bureaus and they did nothing. I have called Well Fargo myself and they couldnt explain what happened. Then Wells Fargo said that the partial number showing on my credit report dont exist.
Consumer complaint received 2020-11-30
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: HYUNDAI CAPITAL AMERICA (SC)

On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a letter regarding inaccurate info and unknown things being on my credit report to EXPERIAN 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-08-12
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. (IL)

Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.
Consumer complaint received 2021-11-02
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: CL Holdings LLC (CA)

I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. 

XXXX even erased my transaction history, to hide their tracks.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Vivix Credit Solutions (NV)

I went to XXXX XXXX over a year ago not sure of the dates to do debt consolidation. I did not use their services because I was able tor repair my credit on my own. They call me every week to try to get me to use their services. I asked them several times to take me off of their list but they continue to call me and leave voicemail messages. This is clogging up my voicemail as well as it 's annoying me because I asked them several times to stop calling me but they will not. The phone number is XXXX.
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

At XXXX XXXX ET on XX/XX/XXXX, I got an email that my XXXX Litecoin ( roughly {$5500.00} at that time ) from XXXX has been deposited successfully into Coinbase. Right after that, I got onto Coinbase to sell my Litecoin. However, the limit sell order I made did not go through, and instead was in a " pending '' state for over 20 minutes. After that, it was reverted back into an " Open '' state, which obviously meant that it did n't go through. I then tried to cancel that order, and that was when I got restricted. Not only could I not sell out my currency to USD, I 've also been locked out of my account. I 've sent in numerous support tickets and also called their customer support line ( 2 hour hold ), but no one gave me any reasonable response, and my money is still held hostage.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.XXXX XXXX XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION.

-Please remove from my report 2.Citi XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-08-07
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. (MO)

XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX XXXX I requested a loan or cash promotional to chase 0 % APR for a year This caused that I started receiving interest charges in my statements. 
Called the bank on XXXX and a representative told me that as long as pay my purchases plus the minimum payment I wouldn't receive interest charges. 
That happen the next month I didnt receive interest, but the next statement I did. 
Called again the bank on XXXX and spoke with an specialist that didnt explain well what I needed to do for no receiving interest charges, she said to pay the full balance, but I answer what about your promo of 0 % apr ; at the end she ended hang up on me without solution to my issue. 
I continued receiving monthly interest charges the next months. 
I called the bank again on XXXX and an specialist explained that new purchases cause interest from the first day because the terms changed after I requested the loan. 
What I requesting from Chase Bank is to remove the monthly interest charges they charged me, because they Never explained clearly the change in terms and when I spoke with two representatives they gave me wrong information or didnt explain clearly. 
They promised to send me a letter explanatory of this which I didnt receive. 
This is like the Bank offers you a promotion but they change you the terms in order to charge you interest which didnt happen before when you didnt have the promotional. 
Bank should gave you these change of terms in writing or be more direct and specific that this would change other way clients wouldn't be aware of this.