davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

Thank you for any assistance I may receive. 

**My husband & I refinanced our home with a loan origination date of XX/XX/2020 for {$110000.00}. 
**Our first payment was due XX/XX/2020 but could be paid until XX/XX/2020. 
**We submitted our first payment of {$930.00} to XXXX XXXX via our local financial institution ( XXXX XXXX ) through an electronic transfer XX/XX/2020. 
**The money was deducted from our checking account appropriately.

**CMG Financial has not been able to locate this payment & required us to make another payment, which we did on XX/XX/2020 for another {$930.00} + {$9.00} fee. This 2nd payment has been received but the 1st payment is still not located. 
**I ( XXXX ) has spent a lot of time online & via phone calls trying to help XXXX locate the XX/XX/2020 payment. On XX/XX/2020 I submitted the ACH Transmittal Form from our credit union to XXXX as was requested for verification and tracking of the XX/XX/2020 payment. I was told that this would be answered by XX/XX/2020. I submitted the ACH Transmittal Form a 2nd time as well. I again contacted CMG Financial via phone and online today ( XX/XX/2020 ) and there is still no resolution and our XX/XX/2020 payment has not been found or recorded. Per online documentation, we still owe another payment of {$930.00} now when actually our next payment is due XX/XX/2020. We have just sold our home and are due to close escrow XX/XX/2020. I am concerned that our very good credit is in danger of being harmed and that a correct payoff amount will not be given to the title company that will be paying off our home after the sale. 

I have been unable to resolve this situation and our initial {$930.00} payment electronically transferred to CMG Financial is still not found and credited to our account. I have spoken with numerous persons, even supervisors, but without resolve. The entries for help to CMG Financial online say this situation has been " solved '' but this is not the case. 

We have made two payments but only one has been recorded. We are hesitant to make another payment at this time but that may harm our credit if we do not. 

My husband and I would appreciate any help to get this situation quickly resolved. We have tried to be patient and wait for CMG Financial to do their job but we have lost confidence in them. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC. (AL)

I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. 
Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. 
I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I got a default judgement against from another state XXXX Ga. claiming I owe them XXXX to a court in XXXX. I do n't she got a way that mess I have never heard of XXXX XXXX in my a debt that has been since XXXX plus I have insurance. now back to XXXX XXXX they false statements like charts trying to compare me to a XXXX or XXXX XXXX old in training on job in XXXX to XXXX trying to prove their false point. I 'm so sick of these XXXX  someone needs to them they are garnish me as I 'm typing I need seriously I 'm been harass by them through mail I 'm suffering from XXXX of the XXXX my mother I do not owe these people period thank you. sincerely XXXX XXXX my XXXX XXXX XXXX my email is XXXX
Consumer complaint received 2017-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I reconciled my checking account XXXX XXXX, XXXX and found {$520.00} missing from my checking account for XXXX and {$0.00} missing from my XXXX reconciliation. I opened my account XXXX XXXX. I explained to Capital One employee 's XXXX XXXX, XXXX at a branch and spoke to their customer service on the phone. And explained to them that they need to find and put the missing funds immediately into my personal checking account. They have refused to do so. 

They refused to provide me with an email address, fax number or mailing address to send them my reconciliation findings when I spoke with them over the telephone. I explained to them they are committing embezzlement, strong arm robbery of my funds. I went online and found the fax number off their website and faxed the attached documents to them XXXX XXXX, XXXX.
Consumer complaint received 2021-01-18
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 reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via XXXX.
Consumer complaint received 2017-11-06
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. (IL)

I contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my Equifax report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally Equifax is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, XXXX  and Equifax are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.
Consumer complaint received 2017-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (SC)

I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (PA)

On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.
Consumer complaint received 2021-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/2021 I made an online purchase at XXXX using the online platform Affirm. On XX/XX/2021 I received email notification that my installment loan had been confirmed. Approximately two days later XXXX contacted me by phone and stated I owed hundreds of dollars in unpaid sales taxes. I have made several purchases in the past using Affirm, and my sales tax has always been applied at time of loan confirmation. I always knew exactly what my loan total was. That being said, and due to the unprofessional manner of the call, I declined owing any sales tax and insisted on cancelling my order. The caller then aggressively stated that he would waive sales tax, that he wasnt cancelling my order, and then hung up. I checked the status of my order online and it showed that it was in transit to a local facility and that it would arrive between XXXX XXXX. Against better judgement, I left it alone and waited to be called once the order arrived to the facility, as stated on the XXXX website. It is now XX/XX/2021, I have no furniture, can not reach anyone at XXXX, and the status of my order online has not changed. I have contacted Affirm regarding this issue and their process is very slow. It is to my understanding I have 15 days to submit my proof and documents of what happened and then it will take an additional 15 days to review them. Thats another month! Ive done some digging on XXXX and it didnt take long for me to discover that this company is a sham. I can not believe they are still able to conduct business. The thousands of complaints on XXXX  is whats happening to me word for word. Even the call about the unpaid sales tax. I am so disappointed in myself for not doing this research prior to making the purchase, but I felt Affirm was reputable platform with safe businesses. Affirm has opened a dispute regarding my concerns, but I no longer trust them either. Im afraid if they are able to contact XXXX, they will simply tell them my order is enroute and that will be the end of it. I do not want to conduct business with XXXX any longer. I have not received any goods, nor have I made a payment on my loan ( per Affirms policy ). I should be able to get out of this purchase. Please help. And please investigate XXXX.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Lexis Nexis is reporting a Bankruptcy that do not belong to me. If not removed i will be filing a civil suit against Lexis Nexis if not removed immediately. Under the FTC and Fair Credit Reporting Act, Lexis Nexis is Violating this law by reporting incaccurate information. Im unable to qualify for Credit because of this. I feel under privileged because of this.