davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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: General Motors Financial Company, Inc. (MI)

My Dad, XXXX XXXX, of XXXX XXXX, XXXX XXXX, Mi died on XX/XX/2018. He had a lease with XXXX. Within two weeks we dropped off the car at the dealership. Unfortunately, the lines were down the day the salesman tried to dock the vehicle with XXXX. He did not give me a receipt. 

We didn't think anything of it because we knew the car was turned in. Then they continued charging the lease payments for several months after and have stated that my XXXX 's estate owes the remaining balance of the lease. 


We have attempted to contact GM financial on many occasions to have this resolved. Every time they say " You're set '' and yet we still have this unresolved. So I am reaching out to get this taken care of. Our father has passed away, there is no reason they should not have taken care of this. Thank you for your help.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, Experian and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to Experian XXXX XXXX and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

XX/XX/XXXX I noticed two negative credit marking on my XXXX  Consumer Credit Report from Kia Motor Finance. I spoke with an agent after multiple transfers and hold times for almost an hour in reference to my dispute. I was advised by the dispute department to submit a credit reporting dispute due to the late markings being charged from an Insufficient fund fee which was taking out and applied to the fee and not as a payment transaction. Kia 's online system allows you to view the payment transactions, but not the breakdown of how payments are applied. I requested a pay history which shows when the monthly payments posted to the file. No payment was missed. 

I was never called to advised any fees had not been paid and was unaware of any issues, even though I am the primary customer on the file and my XXXX XXXX XXXX is co-maker. 

I reviewed my credit this morning XX/XX/XXXX which decreased my XXXX score more then 30 points now that there is a 60 days delinquency now showing from Kia Motors. No payments have ever been over 30 days delinquent and it is unfair that my efforts of being a good standing consumer is now in jeopardy due to this matter I called Kia Customer service at XXXX XX/XX/XXXX to ask to speak with the dispute department regarding credit reporting and I was refused to be transferred due to payment which was due on XX/XX/XXXX has not been posted to the account. Even though it is and arrangement on the file for payment of XXXX for XX/XX/XXXX. I asked to speak with a supervisor and was placed on hold for more then 25 minutes before a team lead XXXX ( employee # XXXX from XXXX XXXX location ) took the call. I again requested a contact number or department that could asset with my dispute/complaint and he as well stated their is no number to contact that department. He advised that I should mail my complaint to Kia Motor Finance at XXXX XXXX XXXX XXXX XXXX CA XXXX. I asked how would I be able to follow up once I submitted the letter. He advised to include my name and call back number but still gave no instructions for resolution.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

this complaint is against resurgent capital. they are reporting a debt to all 3 cras that belongs to a XXXX   XXXX im XXXX XXXX ive tried to resolve it though credit bureau disputes and the XXXX but there holding tight to this incorrection.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Winklevoss Exchange LLC (NJ)

Trying to have reward forward to my checking account. Gemini ( the company ) said that that my bank is not verified when it's the same bank and same checking account I use to pay my bill. I don't understand why they just can't forward my rewards to my bank account.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth failed to verify debt. 
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Consumer complaint received 2019-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX   AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (WI)

Complaint against : XXXX, XXXX and Equifax. 
In XXXX, XXXX, my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD  XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XXXX, XXXX. 
In XXXX, XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, XXXX and Equifax sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, XXXX   and Equifax on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

My mortgage was transferred to Shellpoint. I repeatedly called and requested my new loan number and payment information. I finally got auto-pay set up successfully and the first payment was drawn. It draws it from an account that I do not closely monitor, and I set up the autopay on DAY 1 so that I would never be late and never have to worry about. In fact, I pay an additional $ of 200 to 2000 to the principal each month. Imagine my shock when I opened the mail today, and it is from Shell Point stating my mortgage is in default by TWO MONTHS. I called immediately. After waiting on hold for six minutes, I spoke with a representative. I explained the problem She CONFIRMED that YES she shows my account is in fact ACTIVE and on AUTOPAY and said she did not know why it was not withdrawing the funding, as everything was set up correctly. I said, okay, so please fix it because I am trying to refinance a house and and I need my XXXX and perfect credit to be dead on right now!!! She said she could NOT help me because my account was past due. I said, but you can see right there, it is on autopay. I can pay the amount but I want the autopay fixed and I want any late charges taken off and NO credit reporting. She said she had to transfer me. She transferred me where I waited on hold for another 16 minutes. THEN, it finally started ringing. And then it rang and rang and rang. I let it ring for an additional five minutes, and nobody ever answered. Being concerned I went BACK ONLINE and paid the two months. HOWEVER I want the autopay issue fixed, as they admitted it is their fault. ALSO thank goodness I could pay immediately, otherwise, I would not have even been able to pay the mortgage since I got a 20 minute run around!!! This company is garbage and it feels predatory. I always pay my mortagage on time and early and extra principal. The fact that their autopay has a glitch should not penalize me. I am concerned over my credit and the fact that this company can not even get me in touch with a PERSON to talk to and resolve my problem.
Consumer complaint received 2019-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I feel that I may have become a victim of predatory lending from representatives of First Home Mortgage. I placed an offer on a home in XXXX of 2019. Although the loan was approved, I chose to rescind the offer on the home. I informed the lender, via a verbal telephone conversation, I did not want my loan over {$1800.00} per month and I required down payment assistance to put down and little cash possible. He assured me all would happen. My loan ended up being placed at one of the highest interest rates available and although I did not qualify for down payment assistance, I was never told until I questioned information that was being forwarded to me. They attempted to include a second mortgage in the form of down payment assistant and disguise it as a program. The final offer from the mortgage companies company consisted of a mortgage at a slightly lower interest rate, however they insisted on depleting my saving and attempted to have me move into a home with nothing. I filed bankruptcy over two years ago and did not want to put myself in a position to lose a home, possible go into deeper debt, ruined my credit and possible lose my job. One of the requirements of my employment is to stay in good financial standing. Although I submitted documentation supporting I could not afford the loan, the lender told me well before approval the underwriter planned to approve regardless. That they would look bad if they did not approve a loan for a XXXX women and I would have no choice but to refuse the loan and owe my realtor a 3 % commission and be sued by the home owner. I was being made to feel like I had no choice in the home purchase, refuse and be sued. The lender along with the realtor attempting to use the threat of a lawsuit to scare me into a home purchase. I was never provided a correct closing disclosure document although I requested it several times prior to the scheduled closing date. I am requesting assistants in reviewing how the loan was processed and if it should have been approved at all. The underwriter requested additional information, a budget and a statement on why I filed bankruptcy. I believe the lender used a part-time job I have worked for less than two years to qualify me. I am not confident they submitted documentation reflecting this. Please see the attached documents.
Consumer complaint received 2019-04-10
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. (CA)

one account name XXXX XXXX XXXX started reporting on my equifax credit file, and i began disputing because does not belong to me, it is a fraud account opened with out my knowledge, i have disputed this inaccuracy with equifax many times but they have been ignoring my request and not been able to resolve this issue, which is very much stressful. 
please help me to have this inaccurate and fraud account removed from my equifax credit reporting agency, and since i had been a victim of ID theft therefore, i have a police report and FTC report filed, please fin attached thank you
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I have been a Citibank credit card customer for many years. Sometime in XXXX, Citibank had a promotion that it will pay {$1000.00} bonus for new checking account with deposit of {$75000.00} held in the checking account for XXXX or 90 days. 
As there is no citibank branch in XXXX XXXX XXXX I was asked to open a new account over the phone. I opened checking and a saving account in XXXX and funded {$75000.00} from my credit union using Citibank web portal. I have XXXX statement showing account balances. After 90 days or so, my online account access was blocked. When I called citibank, they said that my account was compromised and asked me to verify my account with their fraud department. I called and verified my account multiple times. My account is still blocked. At some point, they asked me to open a new checking and savings account and then transfer funds to new account. After jumping through lot of hoops and spending numerous hours over the phone, they opened new checking and savings accounts. With in few days, without any intimation, they closed the new accounts. 
On XXXX when I called, I was told that my checking and savings accounts are under closure process and within XXXX days, they will send return my funds via check in the mail. 
Its been almost 60 days, I have no communication via email or regular mail on account closure process. I called again yesterday, now they are saying that my account is still blocked and it may take somewhere XXXX days before I can get my funds. 
Here is my situations, I saved these funds all my life for my daughters college. She graduated highschool this year and I have no funds to pay for her college. Citibank does not provide any concrete answer on why my account was blocked and when I will get my funds back. Please help.
Consumer complaint received 2019-04-10
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. (CO)

Observed on my credit report from Trans Union that the company XXXX XXXX XXXX XXXX is constantly doing unauthorized inquiries into my credit worthiness each month. Called XXXX out of XXXX TX on XX/XX/2019 to ask them to stop abusive inquiries. 

They're phone system reports 1 ) I don not have a loan open with this company 2 ) that they can not find a loan application that I have made with this company. 

When prompted I asked to be placed on hold to speak with a real live person/representative. After 5 minutes the automated system reports that no representatives are available and hangs up on me. 

My guess is that these people got my information off the web and are " considering '' offering me a debt consolidation ( personal ) loan that I have not requested or authorized and do not want. 

My efforts to stop they're inquiries into my credit are prevented intentionally by their phone system. 

This is the mark of a scam or unscrupulous company. 

- XXXX XXXX
Consumer complaint received 2024-03-02
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: EQUIFAX, INC. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The accounts are listed below : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} - Late/OPEN - XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - - - was past due 30 days/Late/CLOSED - XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Friday XX/XX/XXXX I received a fraud alert message FreeMsg : XXXX Confirm It. Did you use your card XXXX on XXXX {$4700.00} XXXX 'S DISCOUNT? Reply YES/NO, STOP to end fraud alerts, HELP or call ( XXXX ) XXXX. I immediately called the bank as I didn't make the transaction. While speaking to the rep she said your account is at {$0.00} lets go through your transactions at which we did and she found that there were several transactions I didn't make. Claim was opened for acct ending in XXXX. Claim number XXXX. The charges were for XXXX and XXXX from the XXXX of XXXX to the XXXX. I called several times because allowing the unauthorized charges caused a dire situations of me being unable to feed my children. I called in today and was told my case was closed because a text alert was sent to me on XX/XX/XXXX which I never received. I also have a police report for the charges. Due to XXXX allowing my funds to be taken and then making the inaccurate decision that I made the transaction. 

Huntington bank obviously agrees with ripping off their customers.