davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
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. (GA)

We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-01-20
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: FORD MOTOR CREDIT CO. (GA)

We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.
Consumer complaint received 2018-01-11
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. (FL)

I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (MD)

I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. 

In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.
Consumer complaint received 2018-01-20
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: Experian Information Solutions Inc. (NY)

I have several fraudulent unauthorized inquiries on my experian credit report and i have contacted customer support numerous times to resolve this, they have failed to help me get this fraudulent inquiries that were not authorized by me off my experian credit report, XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2018-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I am contacting your bank in regards to your practices. Citigroup had wrongfully accused XXXX XXXX XXXX XXXX as a conspirator to steal from his father by making purchases by using his charge card. XXXX XXXX did not even have access to XXXX XXXX 's card and has severe XXXX. Your bank has damaged XXXX XXXX 's well-being by forwarding his information to the XXXX XXXX Police Department. Our federal agency is not inclined to release any evidence against your bank. If Citigroup wishes to see the emails, it must contact XXXX XXXX XXXX. Citigroup must write an apology letter to XXXX XXXX XXXX XXXX for accusing him for committing fraud. Citi must also notify the police and reverse all charges against XXXX XXXX XXXX XXXX. It is not illegal for a father to pay his son 's bills, especially because he has a XXXX. XXXX XXXX XXXX XXXX is a model citizen and is an ambitious college student. He did not have any credit or any liabilities. If Citi creates further problems for XXXX XXXX 's family, we will file an enforcement suit against your company. We have also advised XXXX XXXX to close his card if any further problems were to occur with your company. Furthermore, Citi must welcome XXXX XXXX XXXX into a banking relationship with the company as a compensation for the damages he suffered. We appreciate your cooperation in regards to this matter. 
Sincerely, XXXX XXXX XXXX Senior Advocate XXXX NJ CONSUMER AFFAIRS FRAUD DIVISION
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing, LLC is misreporting information on my credit reports. I disputed this misreporting to the credit bureaus however, Ocwen purportedly validated the account information. Specifically, Ocwen is reporting two mortgage loans with one account number ( XXXX ) on my credit reports ; one account is reporting 91-120 days past due and one account is reporting 120 days past due. I have never had two accounts with Ocwen Loan Servicing and believe this is misreporting is a direct result of their unreliable systems and fraudulent practices that were substantiated in the lawsuit filed by the CFPB. 
This misreporting is has negatively impacted my credit and is a direct violation of the FCRA.
Consumer complaint received 2018-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (FL)

A Dear Sir : My name is XXXX XXXX My account number with State Farm was XXXX. The account was in my diseased husbands name. 

I am from XXXX XXXX and I am XXXX years old. I am victimized with this account by State farm.My husband XXXX XXXX XXXX and I took out this loan of {$30000.00}. Unbeknown to me he was borrowing much more money that I was not aware of. He was very sick at the time and receiving XXXX XXXX.Then when he went into intensive care.I found out what he was doing I called and .stopped his borrowing.I paid an increase payment. I paid off the loan around 2013. I borrowed money from the XXXX XXXX for the amount what XXXX owed.Where I came from XXXX we grow up that we do n't have money we do n't spend and we owe money we pay no matter what. I think State Farm did wrong to me each time XXXX borrowed more money they should have notified me the spouse and it and I should signed by me also However, I signed for a small amount for help him out. No State farm people told me or explained to me that he could continue borrowing without my knowledge.I would like someone to look into this matter at this time. I would like you to investigate all the my history with State Fram business. Please look into this matter so I do n't have to live with terrible feeling about all about this acct. I paid off over {$82000.00} to State Fram I borrowed from the other bank to pay it off. Please. Check this. What can you do help me feel better with State Farm I really believe in State Farm. I always deal with State Farm I feel there are something can be done by authority. I am victimize by working so hard not being at home. I did not know State Farm and my husband could do this no matter what I paid off. Now Sate Farm should do the something like this case should change people like me from oversea work so hard and ending is disappointment. I would like see some truly caring people .I have two personal friends that are lawyers who would like to read the contract.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (MO)

On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined. 
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment. 
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.

In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This matter is regarding an auto loan, owned by Capital One Auto Finance. The loan was originated on XX/XX/XXXX by XXXX of XXXX, NJ at roughly XXXX XXXX. The dealership required me to take out a loan to avail the promotional price on the vehicle I wanted to purchase. I was told that NJ does not have a prepayment penalty and that I could make a payment at any time. Based on this I decided that I would put down {$1000.00} then pay the balance in full the next day. 

First thing the next morning ( Today, XX/XX/XXXX ) I called Capital One to pay off the loan and they told me the loan does not exist. I requested to speak with a supervisor, they transferred me over. The supervisor stated, they have received the information from the dealership but a loan number is not available so I can not make a payment. She told me I would not be able to make a payment for a couple of weeks since i did not have a loan number yet. I asked if I would be charged interest during that time period and I was told the interest started when we signed the contract. I asked, how can you charge me interest and not give me the option to pay the loan? She started to get very agitated and stated nothing can be done for a couple of weeks. 

After speaking with Capital One, I called your offices and was told to file a complaint. Everyday that passes I am being charged interest for a loan I do not need or want. It is unfair for the Capital to charge me if by the contract terms I can pay at any time without a penalty. 

On a side note, I do also feel that it is unfair for a car dealer to sell a vehicle at a different price if you do not take out a loan.
Consumer complaint received 2018-01-20
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. (LA)

I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XXXX ,2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (NY)

I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get my attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX  and attorney general. Companies can not believe they can get away with these atrocities. Grain has already agreed via a XXXX  thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on-time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on-time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the lates from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. This was a few weeks ago. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses.