davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I had a leased vehicle from Hyundai back in XX/XX/XXXX. My lease was ending soon and was told I could purchase the vehicle at the by sending in the payment through Hyundai Motor Finance ( HMF ) online, and then sending in an Odometer Statement. 

I did this back in early XX/XX/XXXX. It has now been three months and HMF has yet to send out the title. First they said it would be sent in 7-10 business days. Every time I call they tell me that they " will escalate '' and I will hear a response in 5-7 business days. I never get a response, and call back. They tell me something different each time. 

One time they said the title was sent to me, and then sent back to them for a bad address. Another agent said that never happened, and when asked if it was a lie, they said, " Yes. '' They claim the Title Department only works XXXX and XXXX, but can not say where my title is or why it is taking so long. I purchased this vehicle and I need to get it registered in my name as the registration expires soon, but I can not do so without the title. 

One agent on the phone told me to email XXXX. I did this with the information, but they were unable to assist, and then forwarded my email to the Lease Buyout Team. I talked to this team over the phone, and they said it was Titles team who releases titles. No one seems to know where my title is or who is working on it, and there is no contact info for the Titles team.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

XXXX XXXX shut down my account on XX/XX/2020 with no warning, resulting in the cancellation of my upcoming flights and forfeit of all of my frequent flyer miles I had accrued. At the time of closure, I had a total of XXXX frequent flyer miles in my account, as well as upcoming flights booked. I earned XXXX total miles over the past 24 months, with a bulk coming from the sign-up bonuses offered on AA credit cards provided by Citibank and XXXX. Considering AA sells miles for roughly XXXX cents per mile, the loss of XXXX is {$10000.00}. AA has stated that earning sign up bonuses on multiple credit cards ( of which Citibank offers multiple types ) is a violation of their terms. I would like to be compensated over the loss of the miles I accrued via spending using their co-branded credit cards as well as the sign-up bonuses those cards offered. If AA deemed it a violation of their terms by earning sign-up bonuses on their different co-branded credit cards and Citibank still offered and solicited me to get different AA co-branded cards, I believe that is a deceptive practice that directly led to a financial loss to me.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

As of XX/XX/XXXX, I have paid my mortgage on time for the past 36 months, in which the HAMP program required and they took XXXX off each year i paid on time. ( I had ACH withdrawals ) ' My mortgage was XXXX, now its down to about XXXX and I requested the mortgage company to set up Bi Weekly payments as of XXXX payment. 

I have been paying since XX/XX/XXXX on this home and they have gotten almost double. 
They told me in XX/XX/XXXX that in order to set up bi weekly payments, my account would have to be paid 30 days ahead.. I sent the paperwork in and they sent me a letter stating it was too late the Bi weekly account couldn't be set up because the paperwork did not arrive in time. I asked if I could fax the paperwork in a make another payment to put my account up and they said yes and then changed it to being 31 days ahead.. On XX/XX/XXXX I faxed the paperwork in and made a payment. 

XXXX ( XXXX XXXX fax phone XXXX option XXXX XXXX ) took another payment and set the bi weekly payment up for XX/XX/XXXX and XX/XX/XXXX.to be exclusively watched over by her. The 1st ACH will be withdrawn in XX/XX/XXXX. 

I recieved the same paperwork again that OCWEN mailed on XX/XX/XXXX stating they couldn't set up my BI weekly because the account was not 31 days ahead and when i called and told them XXXX had physically taken out the payment on XX/XX/XXXX and I had made another full month, they stated that the XX/XX/XXXX payment had accidentally been applied to the Principal. and the account needed to be 31 days ahead to set up bi weekly payments. This is so crooked and dishonest. 

I have been in this house since XX/XX/XXXX and have paid double what its worth. OCWEN is AKA as a PREDATORY LENDER
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc. (VA)

My husband and I purchased a XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX on XX/XX/XXXX. We financed the car through a company that we thought was a banking institute. When we got behind on the payment and contacted the office, the recording stated they were a debt collection agency. We questioned them on several occasions on how were we able to get a loan from them if they are a debt collection agency, everytime the rep stated they are not a collection agency. I feel we signed the contract under false pretense with the sales rep, due to we were told the banking institution that was financing our vehicle, isn't a bank but a Collection Agency name Consumer Portfolio Services , Inc, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, the local office near me is XXXX XXXX XXXX, XXXX, VA XXXX. Per the Federal Trade Commission in XXXX the company had to pay XXXX XXXX back to consumers for falsifying information, which was done to my husband and I. We were told that if we couldn't pay our loan balance off by the end of our matured date that we keep making payments, but they spoke to my father in law on XX/XX/XXXX and stated that they could repossess my vehicle at anytime even though we're making payments. I truly believe my husband and I were scammed into using this company because we really needed a vehicle for our family. I would like for this company to investigated, because the amount of money we paid to get up over the years and it seemed like the balance never changed, which is know is against the law
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I live in Florida, and when there was a hurricane coming I got a phone call claiming to be from the federal government, saying I had nothing to worry about the upcoming disaster because my loan would be on hold. I later found out they put my loan on forbearance without my authorization. I called them after I found out and told them to reverse that. I did not complain back then because I thought this was a federate mandate. I had no idea a private company was behind this forbearance move without my authorization. They need to be accountable for deceiving their customers.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-08-23
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (AZ)

SYNCB/OLD NAVY CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. Your company are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TX)

CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Balance Owed : {$3000.00} Open : XX/XX/XXXX CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balanced Owed : {$17000.00} Open : XX/XX/XXXX These accounts are on my credit report as collection accounts, this is a result of identity theft. 

I have filed identity theft reports with FTC and I have sent certified letters to CREDIT CORP SOLUTIONS dated XX/XX/XXXX ( when it first appeared on my credit report ). 
Receipt confirmation XX/XX/XXXX at XXXX. 

The company has not responded to my request.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

i have requested inaccurate information to be deleted from my credit report and all 3 bureaus comes back verified without doing a reasonable re-investigation per 15 usc 1681i6b3 and i have attached documents below for your reference.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (TX)

THIS COMPANY RMP SERVICES CALL EXTREME AMOUNT OF TIMES A DAY DAILY. THE NUMBER IS XXXX. TODAY XX/XX/XXXX AS OF XXXX THEYVE CALLED ME 6 TIMES SINCE XXXX XXXX. MONDAY XX/XX/XXXX THEY CALLED 13 TIMES FROM XXXX. THIS IS OUT OF CONTROL I WANT THEM TO STOP CALLING AND HARRASSING ME.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Today is XX/XX/2021, and I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX-XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX- opened in XX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) XXXX-XXXX XXXX- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I  negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XX/XX/XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, all  negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I purchased a camera for my business through XXXX XXXX XXXX XXXX. I had gotten my payment down to {$98.00} a month and the balance was around {$2700.00} in XX/XX/XXXX. My statement balance now ( XX/XX/XXXX ) is {$3600.00} with a monthly payment of {$130.00} due XX/XX/XXXX. 

No actions were taken by the company. The company seems very shady in their communications. This is a ripoff on the consumer.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (OR)

Wyndham Mortgage quoted me a 3.25 % interest rate, based on specific loan details ( included in attachment ). Based on that quote, I submitted an application, allowing my credit to be pulled. The Loan Estimate given to me showed a rate of 4.875 %. This is an inexcusably large difference. There is no ( appropriate ) overlay that should allow for that large of a swing. 

Further, when I went through the quote process again, three times, to document the process and quotes, the rate changed just minutes apart, using the same exact info. 

The attachment shows a rate of 3.5 % due to printing the process three days later after my initial quote.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2021 I wrote a initial complaint to the cfpb pertaining to falsely furnished collection accounts on my consumer reports by Experian, and on XX/XX/2021 the certified mail was shown delivered with return receipt, and on XX/XX/2021 XXXX XXXX XXXX XXXX account # XXXX and on XX/XX/2021 XXXX XXXX XXXX account # XXXX got deleted from my consumer report, Experian is now in violation of 15 usc 1681n ( b ) Civil liability for knowing noncompliance and I am entitled to {$1000.00} per violation, deletion is admission and Experian deleted both falsely furnished accounts that put a financial burton on my life, ruined my credit reputation and also my life, there is 2 violations so that is {$2000.00} ive also attached the affidavit of truth invoice and proof of what i am stating is indeed true
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (VA)

On several occasions wells Fargo has charged me overdraft fees for transportation that should have cleared but they said on XXXX occasion that I over spent and when the merchant processed the payment I had spent the money or with drew it before the transaction cleared. Also, they've charged me for money that appeared in my account unbeknown to me so I'm thinking I may have received a deposit but they put it there just to charge me overdraft fees.