davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I presently have a XXXX  XXXX XXXX on lease. I have made every payment on time and the attached copies of checks prove it. However Hyundai continues to bill me incorrectly as to the due date AND the total payments made and amount due. 
I have tried speaking with them on over ten occasions. EVERY time, I was disconnected. Their automated attendant asks for critical info and Im told that none of it is transferred to a live person. Why put a customer through that? That in and of itself is abusive to everyone who is trying to resolve a problem. Over the past fifty years, I have dealt with thousands of financial companies/payments, and I have never - EVER come across such blatant disrespect and disregard for the customer. I have sent letters and documents supporting my case and I never was even giving the curtesy of a response. I was just on the phone with them for 52 minutes. This was the last straw, which has driven me to contact you. I was trying to locate an individual who I might send my documentation to. but a responsible party does not exist in their world. Although, Ive never contacted you before, am I glad that you exist. Hyundai Finance obviously thinks that they can do what ever they want, and completely ignore the consumer. If possible, I would ask you to act as me, so that you may gain an accurate account of what they do to a consumer. In addition to check copies, Ive attached a few dunning letters. Notice that one ( as with all previous correspondence ) states the due date as the XX/XX/XXXX. In fact my contract ( copy attached ) clearly states the XX/XX/XXXX. 
I am happy to speak with whomever may be assigned to the case.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (VA)

I had an account with GM Financial from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. Since payment, GM Financial 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 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (IL)

I recently applied for a cash out refinance with AimLoan for a rental property I have owned for several years. I am subscribed to several real estate sites such as XXXX and XXXX to get periodic updates on the market conditions in the area. Every comparable sale I could find valued my home at over {$160000.00} so I used {$160000.00} as the current market value when I applied with AimLoan. On XX/XX/2020 the real estate appraiser AimLoan hired went to the home and completed an appraisal. The results came back at {$150000.00}. The appraiser missed entire sections of the home and also attempted to use the income method to value the property based on estimated rents vs the actual rent amount I receive which was supported with the current lease agreement I sent to AimLoan before the appraisal. I called AimLoan to push back on the appraisal and the only answer I received was to go and get my own comparables which is what I did before I even started the loan process. I have been unfairly treated and this appraisal is artificially low.
Consumer complaint received 2022-10-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received documentation from XXXX XXXX  saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX  rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXXXXXX account. Look at attached documents below.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX, I noticed in my billing statements That I was being charged for a Time Share on a property that was accruing every month on the XXXX of each month {$250.00} that was never agreed upon. I cancelled that contract within 90 days of the original contract date. I called and left several messages with the company. XXXX XXXX. However I received an email on XX/XX/XXXX from the company representative stating he was sorry for the delay in returning my call, upon proof that I requested for me to use the email he had provided as a null/void Receipt and I would not experience any other monthly charges. When I called into TJ MAXX credit card to explain what had happened, that I have this card ( My TJ MAXX Card ) set up to come directly out of my checking account and I had just realized when I went to make a XXXX purchase that the balance was extremely high I receive my statements electronically once I started looking into the amounts charged monthly I was only able to go back to XX/XX/XXXX. When I called in and spoke to the lady she explained to get any information to support my complaint. That the would reach out to me and request my documentation. I did I retrieved the email I received and had it available from the company stating it was voided. and apologize for delay in getting back with me as he was out of the states for the holiday. However TJ MAXX never requested my proof of documentation, never asked me for anything, just stated the company provided them a signature of the purchase. However they failed to explain it had a 90 day period to void out the contract. I DID JUST THAT.. Instead of asking me for my supporting documents they just reissued the merchant XXXX off my credit card. WITHOUT getting to the full details from the customer ( which is I ). I have included proof of my email of null and void. However would like some resolution to this issue.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Sometime in XXXX We were approached by Chase XXXX to refinance our loan to lower rate. We currently have a mortgage again through Chase. We contacted Chase XXXX on XX/XX/XXXX to see the offer. We agreed to the terms and the new lower rate and start sending documents to XXXX XXXX ( our agent ). At around XX/XX/XXXX XXXX suggested that we were ready to move in to the next stage of the loan which will require {$500.00} deposit from our side as a " Good Faith ''. I specifically asked whether this will be refundable and XXXX said " Yes it's fully refundable unless you cancel it or after we ( chase ) approve it and we ( borrowers ) decide that we don't want to proceed then it's not refundable ''. ( Sounds reasonable ) Next day he sends appraisal person to our property and we continue to exchange over 50 e-mails with financial documents. On XX/XX/XXXX Chase state that the loan will no be approved due to debt-to-equity ratio is too high. Then we asked for refund of the " Good Faith '' deposit to which Chase state that they can't refund it since they first need to cover their expenses. And the appraisal of the property cost them more than {$1000.00}. 

I haven't read the full documents and agreements, but I'm pretty sure Chase were aware that those {$500.00} will not be refunded in any case since the average appraisal cost is above {$500.00} in California. If I knew those {$500.00} were not refundable I will not have spend the time and energy to deal with them. 

I think the product is advertised in dishonest way.
Consumer complaint received 2022-02-12
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: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TN)

On XX/XX/18 for the second time on this loan, I made a principal payment via electronic transfer. The payment was for {$3500.00}. It was applied to my loan on XX/XX/18. On XX/XX/18, it was taken off of my loan, and held in unapplied balance. They said because the balance was over {$3000.00} they had to hold the funds until it cleared my bank. I asked them for documentation where I agreed to that and they said " it's an internal policy, there is no documentation available. '' Is it lawful for a mortgage company to apply money to a loan and then the next day remove that?
Consumer complaint received 2019-06-17
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. (MS)

I had a lease account with XXXX XXXX XXXX. They had erroneously reported it as past due/charge off, due to the company being slow to come pick up the furniture when I cancelled the lease. It has been corrected and changed to satisfactory on my XXXX  report, and is not even on my XXXX reports. It still is not showing correct on my Equifax report, after about a year, and finally I decided to file a complaint since I can get no where with either of the companies. The account was closed, after the company came and picked up the furniture finally, after repeated calls of telling them to come get the furniture.
Consumer complaint received 2020-02-13
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. (AR)

My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}
Consumer complaint received 2022-02-12
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. (KS)

In XXXX of XXXX a credit card with XXXX XXXX XXXX ( XXXX ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling XXXX to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to XXXX. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. XXXX has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced XXXX  is not even trying to resolve as they have all the information needed. 
HELP!
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC (WA)

Reliant Capital contacted my significant other on his cell phone, which violates the statute on cell phone contacts, twice, he informed her that it was a cell phone. She called back we had no idea what the debt was for and she proceeded to tell him the nature of the debt, how we 'did n't want to resolve it ' when we have no paperwork at all supporting that we had a debt and this was the first contacts we have received from Reliant Capital . She used combative language with him and told us that the full balance would be charged to us there would be no negotiation. All on initial contact with someone who is not even the debtor. Reliant Capital needs to review with their client 's consumer rights and the costs to the collector personally and professionally for threatening their clients. The number she called from was this : XXXX
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (TX)

While being a customer of XXXX years I have tried my best to get my late payment removed because during the time I had XXXX and I also was struggling financially. I have reached out numerous times to contact a representative to see if I can get a deferment and was denied the option that they allowed customers to use if they experienced any problems with XXXX but instead I was denied. Even after contacting those that are part of the financial team or even the members that represent this company all they could say was they reported it accurate and not even understand why I had one late payment hat I even paid for once I was able to get myself together. The amount was {$130.00} and was credited as late as of XX/XX/2022. These were the actions that I had taken, to reach out numerous times to explain my situation and a goodwill letter after the fact of me paying. I don't want to dispute it but rather the mark be removed due to the situation I was going through at the moment.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Had an escrow overage. Requested escrow analysis to get overage for property taxes but specifically asked for payment not to decrease as the first year 's property taxes were based on the lot value and would be grossly under estimated for this year, if changed. Received check. Payment lowered. 3 attempts to raise payment have been made. XXXX ext. XXXX Discussed increasing payment back to {$3600.00} on XXXX at XXXX. He is getting with the escrow department to get payment increased after the escrow analysis. Calling me back. Never received a call. Called Back and spoke with XXXX ( dialed XXXX 's ext ) on XXXX at XXXX. Was told by XXXX to call back on Friday XXXX to follow up. Asked why they can't call me? She said that the outbound calls are automated and she suggested me calling back to follow up. Offered to send the Closing Disclosure to verify estimated taxes. No go ( I have attached for verification along with the title work- Please note that this is not my XXXX when reading ). Why is there no e-mail or messages that can be sent back and forth to track progress?
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I wrote to XXXX to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXXt card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, Transunion, XXXX and XXXX both my XXXX XXXX accounts still showed me as being late on the dates listed above.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IA)

I knew I would be having a statement coming at some point, but had not received a statement in the mail, email correspondence, automated messages, or anything. I tried to log in online to create my account but was unable to do that since I did not know my account number, so I figured I would wait until I received my first statement to set up automatic payments. 

Unfortunately, I just got a message through XXXX XXXX monitoring that I had a late payment. That was first I had heard at all about this. So I called Synchrony Bank on XX/XX/20, got my account number from them, and paid the account IN FULL the same day, on XX/XX/20. I expressed my displeasure over this with the customer service representative and he advised me to write the FCRA. I had received no communication regarding payment address, amount, account number, billing dates, etc. 

The account number is XXXX with Synchrony Bank. 

I feel this missed payment should be removed from my credit report.
Consumer complaint received 2020-02-13
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. (WA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (WA)

Equifax is reporting incorrectly a balance due of {$4300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The past due balance is much higher than the original balance. This account should not even be reporting because the date of last activity was XXXX, 2014. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. XXXX  violates the California Predatory Lending Law as well. This false reporting of not only an amount past due that is incorrect ; it is also reporting on an account that has the date of last activity of 2014. The reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.