davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (TX)

Honda Financial Services ( HFS ) is using coercive tactics to obtain payment of a bill that is not accurate. HFS sent threatening letter to coerce collection funds for a leased vehicle that was appropriately turned in and terminated 5 months prior to distribution of a bill by HFS. HFS states information was not received to close account through the mail, which is false ( information was mailed ). HFS acknowledged in subsequent letters that lease was terminated but needed documentation of registration termination or license plates turn-in -- license plate turn-in documentation was provided. When contacted through customer service representative ( XXXX on XXXX XXXX ), information was provided that a pro rata share of bill would only need to be paid. Such payment was made on XXXX XXXX. Documentation of payment and all other documents supporting closing the lease account were emailed to HFS service region at XXXX. Instead of responding to requests in email to ensure account was terminated after pro-rata payment was made, HFS on XXXX XXXX sent coercive letter stating balance was required even though period of the bill included time period that the leased vehicle was appropriately terminated and turned in and accepted as a turn-in by Honda.
Consumer complaint received 2018-09-19
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. (AL)

I have been disputing this bogus item on my credit report since 2014 and have submitted a document from the dental office stating the account was paid in full, but XXXX XXXX XXXX is using hard-nose tactics. I have contacted these people several times and threatening to file a complaint with the Attorney General. Attached is the recent dispute I filed with Experian and it is vague, to say the least. The report states that from their investigation the report has been updated. The report has not been updated, and I attach a scanned copy of the report.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I made a fraudulent use of my debit card claim for {$190.00} with Bank of America on XX/XX/2018. Their claim # XXXX. I dont know how the criminal did it but he/she did not have my card. Most of the fraudulent charges were made in Michigan. The fraudulent charges are highlighted in green. I was in XXXX XXXX, Ohio from XX/XX/XXXX to XX/XX/2018 attending a XXXX XXXX college. I stayed there in a hotel for 2 weeks as the receipt shows. Receipt attached from my XXXX XXXX credit card that shows a 2 week stay at XXXX XXXX XXXX  XXXX, XXXX XXXX. You can also see from my Bank of America charges that I was in XXXX XXXX during the time of the fraudulent charges. Bank of America denied my claim.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC (MI)

I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MO)

Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. 
The company was Source Receivables.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment and derogatory marks on my credit which is negatively affecting my ability to help my that's going to hard time financially and medical reasons. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-13
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: Experian Information Solutions Inc. (LA)

In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX  once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied and received a fixed rate visa card from Bank of America,  XX/XX/XXXX - In the disclosure of the contract it specifically states the FIXED rate means that the APR " will not '' vary in accordance with the changes in a formula, such as the U.S. Prime Rate. XX/XX/XXXX BOA started raising my rate - I question them about it and their answer was " because of a change in their business practices my APR will be changed to a variable rate based on the Prime Rate. '' I have researched the original agreement, the Truth and Lending Law and XXXX-XXXX Credit Card Act and can not find any statement that says a company can change a contract regulations because of a " change in their business practices ''. The XXXX-XXXX Credit Card Act states specifically that a FIXED APR can only be changed if late payments, over credit limit, or intro offer expires. A change in business policies is not a valid reason even with notice.
Consumer complaint received 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (GA)

I XXXX XXXX XXXX applied for a loan with movement mortgage with my intentions on purchasing a loan for the purchase of my future home.. I applied for this loan on or around XX/XX/2018, and as of today XX/XX/132018 I havent closed on my home yet. I have respond to every email as well as produced everything to my knowledge that I could as well as spoke to the loan processor XXXX and the supervisor XXXX, to make this purchase as successful as possible. I made a abnormal payment of XXXX. Earnest money to secure my attempt of my purchase I have since lost my earnest money and has never been give a denial letter ... this is called to me a NEGLECT OF FUDICARY DUTIES AND I HAVE SUFFERED A GREAT LOSS. I am requesting a letter of denial as well as my XXXX. In earnest Money I have reached out to the Movement Mortage executive office several times and I have yet to speak to anyone to make this an peaceful effort I can be reached at XXXX or XXXX XXXX For more information
Consumer complaint received 2018-08-13
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. (GA)

I have a collection acct XXXX XXXX " XXXX '' reporting on Transunion this account was payed in full for deletion it was removed from XXXX, XXXX, Transunion then a few months later it reappeared on Transunion and XXXX. This account needs to be removed immediately.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MO)

I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase Inc. disabled buys and my login without any warning or due cause. Despite numerous emails and calls, no action has been taken and all my assets and money are locked out from me for absolutely no valid reason. They just send me a generic email ( probably generated by a computer bot ) that my case has been " escalated ''. I am not the only one and the internet is full of horror stories of Coinbase which has locked people 's money for no reason.

I have around XXXX  ETH tokens and XXXX BITCOIN Cash tokens that I have been holding with Coinbase. They assigned me a case number # XXXX.

I have been trying to get a reply from them since the XX/XX/2018.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (MD)

When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. 

Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. 

The number they call from is XXXX
Consumer complaint received 2018-01-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..
Consumer complaint received 2018-08-12
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)

XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (MI)

I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018
Consumer complaint received 2018-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}
Consumer complaint received 2018-08-13
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: Rocket Mortgage, LLC (LA)

On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, trans union, failed to report that the cards had been paid off, we contacted the Banks, and  they kept sending the information, transunion, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
Consumer complaint received 2018-08-13
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. (MI)

I have been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.