davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (SC)

I paid my car payment with GMC Financial for XX/XX/XXXX payment on XX/XX/XXXX. It was the 30th day, but it wasn't past 30 days. I was reported 30 days past due. I also called and made payment arrangements for the XXXX payment and stated that it will be past 30 days and I would pay on XX/XX/XXXX. I did pay today. It is very stressful dealing with anxiety from COVID 19, not being able to receive income from second job to help pay bills and worry about credit reporting 30 days late when my XXXX payment was entered on XX/XX/XXXX, that's the 30th day. How could I be reported 30 days past due. They sent me a letter stating that nothing was reported late, but I am looking at my XXXX credit report online with XXXX and it is showing past due. Also, I thought according to the Care Act,  if I made arrangements with my credit, they could not report me late. GM Financial reported me late for XXXX also. I was not late in XXXX and they told me that I would not be reported late in XXXX. GM Financial have been reporting incorrect information or no information at all since I have had this account. I am also reported late in XXXX and XXXX but I was on an extended payment plan and was told when this became in effect that I would not be shown 30 days late. I have been written letters that have not aligned with my credit report status. Something has to be done about this.
Consumer complaint received 2020-07-16
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

LOWES CREDIT CARD/SYNCHRONY BANK HAD REQUESTED AND CONVINCED ME INTO AUTOPAY METHOD OF PAYMENT, SINCE I DO TRAVELLING KIND OF JOB AND, SOMETIMES OCCURS THAT I DO NOT RECIEVE MY STATEMENTS. 
I NOTED AN UNENDING/UNRESOLVED CONTINUED PAYMENTS FROM THE COMPANY, EVEN THOUGH AUTO PAYMENTS WERE MADE DIRECTLY FROM MY BANK ACCOUNT - XXXX  XXXX XXXX. I CALLED THE COMPANY, AS I WAS VERY MUCH CONCERNED AND TROUBLED THAT A SMALL AMOUNT REMAINING OR OWED COULD LAST FOREVER. 
I DISCUSSED WITH A FEMALE CUSTOMER SEEVICES, RELAYED MY CONCERN/PROBLEM. SHE TOLD ME THAT, BACK IN 2008, AN INTREST FEE WAS APPLIED TO MY ACCOUNT, AND THAT WAS WHY MY PAYMENT GOT EXTENDED. I INFORMED THE COMPANIES REPRENTATIVE THAT I HAVE AN AUTO PAYMENTS ARRANGEMENTS, AND I DID NEVER GOT REMINDER LETTER OR AN ALERT TO NOTIFY ME OF THE PROGRAM ENDING SOON. I WAS NOT MADE AWARE OF THE ABOVE PROBLEM, AND WAS CHARGED INCREASED RATE, ON A SMALL AMOUNT THAT I COULD HAVE PAID OFF.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

XX/XX/XXXX my father passed away. I asked GM Finacial for a brief extension or payment deferment due to death of an immediate family member. I made up the deferred payment XX/XX/XXXX. But according to my credit report it was listed as a missed payment that month. And on my transunion it says I missed a payment again in XX/XX/XXXX when that lease matured in XX/XX/XXXX.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (MD)

Approx XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX I Attempted To Contact XXXX And Acima Credit FKA XXXX XXXX XXXX About An Account Thats Reporting Inaccurately On My Credit Report And Have Received No Real Assistance In Resolving This Matter
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Check was sent by my bank on to arrive XXXX like all previous payments. It was not applied to my account - after several calls to HMF, I made a payment online on XX/XX/XXXX so as not to be late and filed investigation with my bank. The bank investigated and found the check was deposited by Hyundai Motor Finance on XX/XX/XXXX. I called the Hyundai Motor Finance and they asked I fax a copy. I faxed a copy on XXXX and I have confirmation ( attached ) - I called on XX/XX/XXXX and they said they did not receive it. I talked with a manager that refused to give his name and disconnected and provided no help in resolving this
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

There contacting my employer a department I dont work in are customer service department telling reps to email me and I dont work on that side of the business there also calling from 50 different numbers while Im working. They had a customer service rep email me telling me to call one main
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I don't have Hyundai motor finance or XXXX XXXX  any longer. They are still lowering my credit score. The account I had with Hyundai motor finance was canceled when I upgraded my at the time vehicle ( XXXX XXXX XXXX ) which at that time I used XXXX XXXX  for the XXXX XXXX. The account with XXXX XXXX  has been paid in full in XXXX if XXXX. I no longer have any affiliation with either company and I want my credit score fixed.
Consumer complaint received 2020-08-20
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)

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : TRANSUNION : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX, XXXX XXXX XXXX THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Consumer complaint received 2020-08-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (IN)

When the CARES act was passed in response to COVID-19, on XX/XX/XXXX I notified my Mortgage Company, Village Capital and Investments, of my desire to enter into a forbearance plan in accordance to the CARES act. Village Capital granted my request as required by the CARES act. However Village Capital has NOT reported my mortgage status as CURRENT as required by the cares act. They have reported to the credit bureaus as account in forbearance. The language in the CARES act explicitly forbids this status reporting. Village Capital must report the account as CURRENT. Village Capital has refused to fix this error.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

I became aware of this fradulent account in XXXX. 

Since XXXX I've been trying to work with Discover, asking them to validate this information and provide me with any information they have that they believe shows them that this account belongs to me. 

Since that time, they've sent me reams of card statements and have made claims that they've conducted investigations where : 1. They approved an account but didn't open in for 6 weeks. 
2. They responded to a stolen credit card and provided the account holder a new one. 
3. They didn't mail account statements the first time around, they emailed them, but won't share the email address that was used to deliver said accounts. 
4. They claimed they called me and talked with me to verify the accounts, then claimed that they talked with me again in XX/XX/XXXX ; which they couldn't have because I suspended my cell phone access in XXXX when I left DC to go work on a senatorial campaign ( info with which I've shared ). 
5. I've provided them with an ID theft affidavit with police report number from FTC, yet they still continue to report this account to XXXX. 

All I want is to see the information that I've requested since XXXX ( I've attached the most recent series of correspondences ) and help them clear up this matter. The fact that they won't share this information concerns me because then they are willfully sharing incorrect and damaging information about me
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC (TX)

Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

XXXX XXXX is attempting to collect money from you on XXXX 's behalf. But you don't understand why you owe XXXX ... So you ask : " Hey XXXX, XXXX says i owe you money. What is he talking about? '' And XXXX says : " I have no clue what he's talking about. You don't owe me anything. '' You would feel like XXXX is trying to scam you right? Well this is how Convergent Outsourcing is trying to collect {$340.00} from me " on behalf '' of XXXX XXXXXXXX. 

My relationship with XXXX XXXX XXXXegun with me being under my moms account, to the best of my knowledge. Since then, I've gone off into my own account but some how traces of her [ now closed XXXX XXXX XXXX account continues to pop up on my side. After a plethora of phone calls with XXXX XXXX in regards to financial mishaps, my mom and I NEVER walk away with a consistent answer to what the problem is exactly. So after seeing Convergent Outsourcing on behalf of XXXX XXXX report a derogatory mark on my credit, I was befuddled!! 

On the morning of Friday XX/XX/2021, I speak with XXXX, VA XXXX XXXX rep XXXX XXXX XXXX ID : XXXX ) about this matter and as he thoroughly combed through both me and my mom 's account histories, he was unable to find any past records of outstanding debt. Correct me if i'm wrong ; but if i owed XXXX XXXX  at XXXX point in time, once they sell that debt to to Convergent Outsourcing, do they burn all records that say I owe them money? I dont think so, to my knowledge. So XXXX with XXXX XXXX says my account shows no records of outstanding debt ; current OR PAST!!! 

The same day immediately after speaking with XXXX XXXX  rep XXXX, I reach out to XXXX, TX Convergent Outsourcing to help me understand why theyre attempting to collect non-existent debt, according to XXXX XXXX XXXX speak with XXXX, TX Convergent Outsourcing rep XXXX XXXX XXXX XXXX id JRO, thats the rep id he gave me ) and he's very vague and inconsistent on why I originally owed XXXX XXXX XXXXoney. He says I owe {$220.00} for a phone but doesn't have any details to describe this phone. He says I owe {$100.00} for a phone bill but doesn't have any details on when and what this phone bill is about. He says I owe {$23.00} in taxes and it's made up of a {$20.00} late fee and {$2.00} for something else he can't explain. I ask the same question you're wondering ; " XXXX, where does the other {$1.00} come from '' ... I have yet to get a clear justification for that figure. 

In conclusion, if I owed XXXX XXXX ... cool! Convergent Outsourcing acquired the debt so it's fair for me to pay what I owed. However, it is absolutely UNFAIR for me to pay Convergent Outsourcing for a debt of {$340.00} that XXXX XXXX  says, they have NO record of me ever owing. Especially if neither parties can give me specific details on the debt ; like a specific phone, a phone bill date range, where the random {$1.00} of my supposed " debt '' came from.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

In XX/XX/XXXXI went to XXXX XXXX XXXX XXXX for about 2 years. I got a student loan to help me. I have been trying for nine years to get a decent payment to pay this loan back. My loans in the beginning was about 6 or 7 thousand dollars. Then I got a letter saying that my loans were divided into four loans at 6.8 % interest. I tried to consolidate, they said I couldnt because of the Direct loan. Im paying very high interest rates. Im getting nowhere, I owe around {$28000.00} and it just keeps going up. I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that if I didnt pay more money they were going to garish my wages. I called these people and ask about consolation, so they did that in XX/XX/XXXX this year, sent me a letter saying that I pay XXXX a month until XX/XX/XXXX. In between those times, I had to send my income tax return, check stub, all the documentation they ask for. Theyve sent me a letter every week saying they need this or that. So, I went online to XXXX  I found out they were fake, so I dont have a clue as what I need to do. I work with the XXXX XXXX, XXXX XXXX. since XX/XX/XXXX. I was hoping I could get loan forgiveness with XXXX XXXX after 10 years. Im XXXX years old, Ill be on Social Security in 2 more years. Ive never made a lot of money all the years Ive been working, I just dont know if I can pay my bills and most of my check going forward student loans. All I would like to do, have a payment that I can afford and pay every month because theres no way I can get this paid off before something happens to me. 
Thanks, for listening
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Hello - this is my second complaint regarding this issue with coinbase keeping my funds locked in a vault that I do not have access to. 

In the initial CFPB complaint, XXXX, coinbase responded with an apology and {$15.00} on XX/XX/2021 with a resolution of moving the funds from my vault to wallet under the existing support case. 

Now as of XX/XX/2021, coinbase closed my support case XXXX without moving the funds from the vault to my wallet, as promised. 

This seems like clear retaliation for opening a CFPB complaint.
Consumer complaint received 2020-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to  drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XX/XX/2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 XXXX  ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.