davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA (PA)

I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.

Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.

To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.
Consumer complaint received 2018-04-09
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. (IL)

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
Consumer complaint received 2018-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (MA)

Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.
Consumer complaint received 2018-04-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Leopold & Associates, LLC (NY)

In XX/XX/2017 I was hand delivered a legal Foreclosure Notice by a debt collector in New York State. The Plaintiff is identified as XXXX XXXX XXXX XXXX XXXX ( XXXX ). The debt collector is identified as the " law Firm '' attempting to Foreclose on my property. 

I am questioning if the debt collector bought the debt can he legally use the bank 's name as the Plaintiff on the Foreclosure document? 

Second question is if he didn't buy the debt, must he obtain authorization from XXXX  to pursue the Foreclosure action in court or can the debt collector file the Foreclosure document on his own and be the beneficiary of owning the home if his court case is decided in his favor? 

Clearly, foreclosing on a home is not collecting a debt, which is monetary. 

I'm in court right now, since XX/XX/2017, fighting the Foreclosure.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.
Consumer complaint received 2018-04-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

I applied for a modification and OCWEN told me I wasn't eligible for a Modification but that I did qualify for a shared something or other. I was told by several other companies that I DID qualify for a modification, but at the time I was afraid of losing my home so I went with OCWEN 'S horrible horrible offer, I will never ever get my home paid for or be able to sell it to anyone because of the mortgage as it stands right now. I am to pay for years and years and years, 30 of them and at the end I still have a balloon payment of the XXXX that I currently owe, how is that possible or fair? Also, XX/XX/2016 they reduced my mortgage by XXXX and sent the irs a XXXX for cancellation of debt but then they added that same amount back into my mortgage. When I first had the loan servicing with Ocwen, my loan was XXXX now my mortgage balance is like 274,000.00 and I  don't understand why, I have asked them to explain it to me, I have asked them to fix the cancellation of debt because you can't have both, you can't cancel a debt and then add it back into the loan without fixing it with the IRS. Ocwen is also reporting negative things to the credit bureaus and I am current. I asked them to fix it and they just blew me off by sending me a payment history which is when I learned about the debt cancellation mistake. Plus there are all these fees that they charged for inspection and other things that have never been done. They have never ever inspected my home.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc (CT)

On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BB&T CORPORATION (VA)

We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. 

XXXX XXXX The account number with BB & T is XXXX
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have applied for a credit increase with my XXXX credit card XXXX. Capital one denied me several times. Capital one reason was I was making low payments which is not true. My current balance is {$590.00}. My credit limit is {$3500.00}. I always make payments on time and way above minimum. No late payments. Excellent credit score. I want a significant credit increase based on my excellent credit worthiness.
Consumer complaint received 2018-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MI)

I tried to transfer money to myself and my brother while visiting overseas. Xoom kept cancelling. I called Xoom multiple times as instructed in their cancellation emails. I even provided them my copy of US passport and my bank statement. Xoom said that you have fulfilled our requirements but we still can't help you.

I tried again last night and still same issue. When I called them this morning the Xoom representative could not give me a satisfactory answer. I asked them to escalate it to someone who can either resolve or give me a valid reason. I am still waiting.
Consumer complaint received 2018-04-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams, Rush & Associates, LLC (TX)

I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, Chase closed all my credit card accounts both personal and my 1 business card. When I called them after have my card declined, they said your account is closed when I asked why they said they cant see anything further and they will transfer me to a supervisor who may be able to help. The supervisor got on the phone, after explaining the reason of my call, she pulled up my account and said chase doesnt take closing customer accounts lightly, youll receive a letter in the mail in the next 10 business days describing why your accounts where closed. I asked if she can tell me over the phone, she said she doesnt have that information and it will be provided in the letter. I got the letter for my personal cards, and the letter said my accounts were closed due to unexpected activity. This response left me puzzled. Ive been a loyal chase customer since Id say 2012 or so, never had a late payment, never missed any due dates and used chase as my primary credit card. After I received this letter I called 3 different times to see if I can appeal this decision and each time I callIed they told me my information was no longer in the system and they couldnt not pull up my account. Not to mention, the closed my one business card as well 3 weeks later. For this card, there was no letter, no explanation, no nothing.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.