davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
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: FORD MOTOR CREDIT CO. (FL)

On XX/XX/XXXX, I turned in my XXXX lease and purchased a new vehicle. The lease was due to end in XXXX so it was an early termination. I had automatic payments set-up for the lease on the Ford Credit site. When I was signing my paperwork I asked if the payments would stop and they said yes so I did not do anything. Come about XX/XX/XXXX or XXXX I noticed the amount was still sitting in the auto payment for the lease and I tried to stop it but could not ( all done on line ). I guess I should have called but I didn't. At that time I thought well I will get a refund since it was an overpayment and I had this happen before and got all my money back. 
Well I did get a refund on XX/XX/XXXX ( check dated XX/XX/XXXX ) but it was short. So I called. A gal by the name of XXXX could not answer why it was short and said that the " End of Terms Dept ''  would call me the next day ( the XXXX ). No one ever called. Therefore I thought I will get the $ 47+ in the mail ( but no ). On XX/XX/XXXX I called again, XXXX helped me and I finally found out ( after being on hold ) that they withheld the taxes, because they were paid to the state. I laughed and said that was a foolish answer and I wanted to speak to someone else. So XXXX XXXX got on the phone and she matter of fact told me to go to the State of Florida to get my refund of the taxes. I told her that is totally ridiculous since I did not pay the taxes they did. And, I also told her that I know for a fact that they get a number of other payments in and that when they give a refund they can certainly deduct my portion from the others. She continued to state the fact they immediately send the taxes to the appropriate states and I would have to go to the state to get the refund. I again know this would never happen. I also told her that I am a business owner and know that if they would have refunded my taxes when I called it would have been in XXXX and no foul. It would have all been in the same month. I asked to speak to the leasing department and she said she would send them a message to call me ( I doubt they will call since I do not get calls back ). As of today the XXXX, I have not heard from anyone else about this matter. I personally think this baloney and Ford Credit is either lazy or keeping the money because technically the taxes to pay my state are not due till the XXXX of the following month ( XXXX ). Where is the customer service from this large organization?
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, as I was performing a payment audit on my California Department of Child Support Services ( CDCSS ) account, I discovered 24 payments totaling {$1100.00} that were sent to a Bank of America ( BofA ) Electronic Payment Card in XXXX. Upon further investigation, BofA states that the account was never activated, and that {$0.00} was sent to California State Controllers Office, which I have since claimed. After further investigation into the missing {$1600.00}, BofA informs me that they do not keep  records for more than 7 years, so there is no way to find out what they did with my funds. 

Fact : {$1100.00} was deposited between XX/XX/XXXX and XX/XX/XXXX Fact : I never received a card ; therefore, it was never activated ; therefore, I never accessed any funds. 
Fact : BofA closed my account, but only sent {$0.00} of the {$1100.00} deposited. 
Fact : I claimed {$0.00} from California State Unclaimed Property Fact : {$1100.00} is missing and I want Bof A to pay me immediately!
Consumer complaint received 2018-09-17
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: ALLY FINANCIAL INC. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent Ally Financial and XXXX and XXXX  a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2023-02-13
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. (GA)

After reviewing my Experian, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my XXXX credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC. (FL)

this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX   XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX   XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX  report and now they have added it back to my XXXX report and my XXXX report
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Security National Automotive Acceptance (FL)

I held a small 401k account sponsored by the company. I was laid off in XX/XX/2016 and volunteered to transfer the account to an existing account. Their response was a {$200.00} fee on a {$400.00} balance Clearly I considered this to be extremely abusive and let the account stand. On XX/XX/XXXX the employer chose to terminate the account without my permission. I would have no issue but they took a XXXX % fee ( XXXX ) to simply process a check Not sure who made the profit. I assume this practice has been impacted by this practice. The company does have a history with the CFPB who found they were abusing consmers
Consumer complaint received 2018-09-17
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. (TX)

On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
Consumer complaint received 2024-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/year>, I submitted a written request to close my escrow account and have the balance refunded to help lower my monthly payments. I explained that I am struggling to make my payments, and each month I am 30 days late, my interest rate increases from XXXX  % to XXXX  %, making it nearly impossible to catch up. 

Throughout XXXX, I made several follow-up calls, and I contacted customer service again on XX/XX/XXXX and XX/XX/XXXX. Each time, I was informed by different agents that my request to close the escrow account was approved and the refund had been processed, but I have yet to receive the check. 

I then asked for my case to be escalated. A XXXX informed me that, while my request is still being processed and I do qualify for the refund, it is taking too long and was NOT yet approved. He said he would escalate the matter himself to expedite the process. 

At this point, it feels like there is no urgency from the lender, as they are benefitting from charging the default interest rate, and there is no rush to issue my escrow refund, which would help me get current on my paymentssomething I have repeatedly communicated to them.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX  XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. 
New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. 
It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.
Consumer complaint received 2018-09-17
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: SYNCHRONY FINANCIAL (KY)

There is an unauthorized hard inquiry on my credit report on XX/XX/2017 from XXXX/National Credit Cards/Airlines. When I called the number to dispute it, they were very rude and said they would not remove it. I could not get it removed from XXXX, as they said I had to call XXXX XXXX. I was stuck in a circle.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Dear, CFPB I have a pending foreclosure issue. After dealing with numerous hardships with regards to the residence, I have been trying to rectify the default issue with XXXX XXXX XXXX to no avail. Bank-servicers have been changed a couple of times and I feel its a ruse not to assist me, instead foreclose ; against the DODD FRANK GUIDELINES. l started working with XXXX XXXX XXXX XXXX, Manager XXXX XXXX, to rectify the default, after numerous conversations back and forth, XXXX XXXX agreed, stated, " I have direct contact with loan investors '' attempt to lower the ( reinstatement-amount ) to a workable figure so l could retain my home and stop the foreclosure procedures. Unscrupulously lending practices, l was suddenly switched to another loan servicer, SELECT PORTFOLIO SERVICING, inc. and instructed to deal with Manager, XXXX XXXX. After numerous telephone calls to SPS, l finally reached Ms. XXXX due to the fact, she has no answering inbox service which is unprofessional and a time of the essence issue. Ms.XXXX, in sum in substance, stated she isn't aware of any agreement, l previously made and it is not documented in file anywhere, she isn't honoring any agreement, nor does she have direct contact with home investor! submit my paperwork for modification if l wanted to, because there isn't a court date yet! l then asked to speak with a person of authority, her Manager, she stated that I could not and hang-up! XX/XX/2018, XXXX, I received a telephone call without a message an ( hang-up ) XXXX ( XXXX ) XXXX ( UNPROFESSIONAL ) I also submitted a Debt Validation letter requiring them to furnish a break-down of list of fees charged and listed and l never received it, XXXX XXXX XXXX, had errors regarding fees they where listing in their documents, l feel this is why they negotiated with me to restate the mortgage to a normal workable amount, little did l know what was planned to transfer to another servicer ; at the ninth hour.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc. (NJ)

About a year ago I was paying off old debts and XXXX XXXX XXXX had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report. 
2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by XXXX XXXX XXXX for New Century Financial. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.
Consumer complaint received 2018-08-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Freedom Mortgage Company (TX)

Our mortgage was bought out by Freedom mortgage and it has been a nightmare. I've been trying to add an auto payment option for 6 months now but it always said account was delinquent so I wasn't allowed to. Customer service is ZERO help. Finally last month it magically allowed me to add it. Problem solved right? Wrong. They now say ti was never added and that my account was delinquent. They immediately sent a negative mark to all credit reporting agencies. I paid for the mortgage the next month with the missing payment but they said it was already over 30 days late. Due on XXXX paid on XXXX   of next month. Credit has taken a major dive. I wish we had a choice to transfer out ... looking into paying the refinancing fees to get out of this awful company.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XX/XX/2018 I Submitted a requested that a Public Record be removed from my Experian Credit File. along with Incorrect Names and Addresses on my file with Experian. On todays date XX/XX/2018 I contacted Experian by phone at XXXX and spoke with a Rep by the name of XXXX he stated he cant give his ext or employee ID #. and that the names cant be removed I stated that I have submitted a photo copy of my Identification social security card and bank statement so how is it that incorrect information can stay on my file and he stated that it was verified and will remain on your report. I stated anyone can electronically submit information, I'm requesting proof of contracts bearing my signature. XXXX   stated they cant provide me that information because they don't require it from Collectors and Merchants. this is a Violation of the FCRA. XXXX from Experian stated that XXXX verified the Public Record. I have a security Freeze on my XXXX  file so its impossible that Experian received any information from this company regarding me. I feel that Experian isn't properly completing verifications on the items I am disputing.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (WA)

Ally Bank 's undesirable performance leaves us hanging and without a home. 
We have been in contact several times with customer service and supervisors at Ally Bank other the last XXXX days. We are in need of clarifying a wire transfer and holds that are placed on the transfer. The timing of the transfer was crucial and any delay would cause undue hardship as it is for a closing payment on a real estate purchase. 
We were given different answers on processing times and cutoffs by different people we spoke with. We eventually reached a supervisor, XXXX, who tried to clarify, but the damage had already been done as we were past any possible time to get it processed or verified, and no guarantee of a timeframe it could even be done. She would not allow us any contact with the appropriate department to clarify and verify the issue with firm confirmation. Instead she denied any request to escalate this further so we could move the process along quicker. Though XXXX attempted to correct the information, we were mislead on processing of security holds, fraud alerts, and the overall processing of wires but other customer service representatives, and it may be beyond the point of repair. Additionally, I am not confident in the information she provided since we already heard many different answers. This apparent incompetency at Ally Bank should be a stark warning for any customer with funds at Ally. We were not able to get a timely resolution to our issue and customer service was little help, at times making the situation worse with even further misleading information or incomplete information. We had to find out about these possible issues from our title/escrow company instead of hearing about the possible delays with wire transfers. Given the multiple calls I had with Ally and the clarification I was asking for, this information should have been made clear. 
We contacted Ally initially to help expedite the process, but the misinformation we were given caused further delays. We may lose the house we are trying to purchase, as we are now past the funding deadline, and would then be left without a place to live. How can Ally, who has control and custody over our money, give this level of misinformation with such severe consequences for us, yet no accountability on their part. This is negligent behavior.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED EXPERIAN CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY EXPERIAN CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( EXPERIAN ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT EXPERIAN CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (ME)

Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.