davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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 (IL)

We bought out the lease for our vehicle in full with Hyundai Motor Finance on XX/XX/XXXX. Payment was issued to Hyundai Motor Finance in the amount of {$19000.00} which included the remaining balance of the lease in addition to the Illinois sales tax owed in the amount of {$1200.00}. 

On XX/XX/XXXX we received the following documents : Bill of sale, Title, and a Illinois Department of revenue ST-556 Sales Tax Transaction Return form. 

We took all of these documents to the DMV with the goal of transferring the title and registration from Hyundai Motor Finance into our names. The DMV declined our request because they cited a lack of any evidence showing that the Illinois Sales tax has been paid. I showed them the form ST-556, however they said there is no confirmation stamp or transaction number referenced demonstrating that the payment has been made. I attempted to go back a second time, and was again declined for the same reason. The supervisor even called the Illinois department of revenue, referencing the tax return form and they confirmed they did not see the payment of {$1200.00} referenced on the form given to us by Hyundai Motor Finance. 

I have called Hyundai Motor Finance numerous times ( at least XXXX separate occasions ) since then between XX/XX/XXXX and XX/XX/XXXX and have spoken to both regular sales reps and supervisors giving them this background information and requesting a " sales tax paid letter '' demonstrating proof of payment of the sales tax to the state of Illinois. Each time I was told that this was handled by a separate " back office accounting department '' which nobody can talk to directly and that they can only send them an email relaying my ask. Each time I was promised to be given the sales tax payment proof within XXXX business days ( sometimes via mail, sometimes via email, other times via the website direct messaging ) and in the end I never received anything from them on any of these occasions. The best they could do was send me another duplicate copy of the same ST556 form which was useless. I have attempted to file complaints with supervisors, and that also had no effect.
Consumer complaint received 2017-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (WY)

On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day. 

Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN! 

NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing. 

I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter. 

This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring. 
PLEASE HELP ME WITH THIS!!!
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson, Watson & Associates, LLC (IN)

XXXX XXXX XXXX, NELSON , WATSON & ASSOCIATES , LLC AREVIOLATING THE " DODD-FRANK ACT BY COVERING UO FOR XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND OTHERS, RESPECTIVELY!
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.
Consumer complaint received 2018-03-19
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: U.S. BANCORP (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Consumer complaint received 2016-01-25
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (IL)

RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Over the last XXXX years I've attempted to have an escrow account set up with the loan serviced. First year it went from XXXX ear to through the other. This past year. I got the escrow analysis letters. I missed placed them so I go to the online portal to see if I can find the info. I can not. In XXXX different occasions I couldn't. One third occasion they stated they themselves on a call could not find the escrow analysis letter so she would start the escrow request again. Here we are on XXXX and I call for follow up from my call and nothing. The escrow analysis did not exist again. This time my insurance lapsed even thou I uploaded the bill which they sent via mail and escrow amount. I called the credit union for help because ALL mail has their logo/letterhead. They told me they could help me. My issue was with the loan servicer.
Consumer complaint received 2021-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (MO)

I have been receiving numerous calls from blcoked numbers leaving threatening harsh messages. I finally called the number left. Had to call back 6 times because they kept hanging up on me when I asked for information. They yelled and cussed at me. Refused to give me any information other than I supposedly owe a debt to Check-n-Go from XXXX, 8 years ago for a payday loan. I can PROVE I did not work in XXXX, I haven't worked since XXXX due to health reasons. I have no idea what they are talking about. All I can do is assume this a case of fraud or identity theft. 

I have called all these numbers trying to resolve this issue and was just given the run around. Nobody would even tell me how much this debt is, they just kept asking for my personal information they refused tell me anything.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NY)

I signed a credit payment agreement for {$1400.00} with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I did not receive a bill from them in XXXX or XXXX. I called them in late XXXX and told them this. Apparently they had the wrong address. I corrected it and offered to send them a payment but I was told not to by the creditor on the phone. He told me that they had to give me a new account number and if I sent them a payment it would not be credited to the right account.He mentioned that my credit could be in jeopardy. 
I received a letter verifying this that was dated XX/XX/XXXX But received no bill. I received my First bill with late fees And a letter on XX/XX/XXXX stating that they can help me with my payments if I am having problems. 
I called XXXX XXXX XXXX on XX/XX/XXXX and paid the {$1400.00} in full. The woman on the phone was belligerent. I received a letter dated XX/XX/XXXX verifying that I paid in full. My credit score has since been tarnished from this. 
I got a letter from XXXX XXXX that listed THE WRONG ADDRESS THAT XXXX XXXX   WAS USING TO BILL ME IN XXXX AND XXXX. 
MY ADDRESS HAS BEEN THE SAME FOR THE PAST 18 YEARS I am forwarding 4 letters that I received from XXXX
Consumer complaint received 2017-12-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OK)

For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. ()

My hardship begain back in 2008. Over the past few years it has been a very difficult struggle.Due to these circumstances ; I 'm now on a fixed income. As a result of me now being on this fixed income I have no savings and all of my bills are now deliquest with the exception of my mortgage. I 'm so afraid to llose my home. My XXXX income is only {$XXXX}. My monthly mortgage payment is {$1400.00} and from that amt., only {$170.00} is being applied towards the principal. Without assistnace from my family member 's I would not be able to save my home. The Lender has denied the loan. I trulu need assistance. I have no place to go at this point in my life.
Consumer complaint received 2021-09-22
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. (NJ)

XXXX collection has an account from esurance that was taken out by my ex-husband with a vehicle he financed in my name. In our divorce settlement in XX/XX/2020 he was ordered to take responsibility of that debt and all that related to it. I do not XXXX, I am legally XXXX, he is the one that was in charge of whatever insurance he wanted to put on there. This is not my collection, I did not open this account- it was done online by him like everything else he did behind my back. If anything its my ex-husbands and it should go on his credit report. I even offered this company to pay them the full balance to remove this incorrect account collection on my credit report and they refused to remove it. That was me being considerate and now I have to get legal over a debt that doesnt belong to me for a lousy {$86.00} but it is the principal and the violation of my rights under the fair credit act. Every dispute I have filed they have taken over 45 days to respond and my lender/loan officer is upset. I have excellent credit without this collection.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.
Consumer complaint received 2017-11-07
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: DataMax Corporation (SC)

This is the last attempt to resolve this issue, as Ive been advised by an attorney. This collection account thats on my credit from XXXX XXXX XXXX is inaccurate and I have no acknowledgment of. The address being reported Ive never resided at. I just went through a lawsuit with the collection agency XXXX XXXX about this same issue and won my case, its been proven that Ive never lived there and this isnt my debt. Attached to this form is the settlement agreement from my lawsuit with the collection agency and its showing proof that Ive never lived at the address XXXX XXXX XXXX are claiming. If we cant resolve this matter, I will be forwarding all of this over to the attorneys who handled my previous lawsuit and I will file one against them.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Jefferson Capital Systems {$520.00} XX/XX/2016 Original Creditor was XXXX. This charge was fraud. I submitted documentation showing the fraud, XXXX removed the debt from my credit report. Jefferson Capital refused to remove the debt from my credit report. The charges are fraud and need to be removed immediately. I have contacted them, I submitted a fraud investigation to all 3 credit bureaus, Jefferson Capital is still insisting this is my debt.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened a mortgage account with XXXX XXXX XXXX XX/XX/18 and my payments were {$560.00} a month. Roughly six months later my payment increased due to a change in my escrow account. I wasnt made aware and continued to pay {$560.00}. I finally was made aware by the bank teller at the XXXX XXXX XXXX, who had minimal information and advised, she would have the mortgage department contact me. The mortgage department advised my escrow account when up and advised, a letter was sent out, which I advised I never received. Later to find out the back kept my old address on file which is a property that caught fire which is the reason I was purchasing a new house. Several months later I noticed that XXXX was reporting 60-90 days late on my credit report. I made several calls to the bank and was told that the accountant department handles this and there is nothing that they can do about. Finally, I went in a spoke with XXXX XXXX in the mortgage department. She advised, she seen I had never been late, but payments were being applied to my mortgage account because it went up from {$560.00} to {$760.00}. I advised her after I was advised the payment went up, I started to pay the correct amount. Still never late but it was recorded as a partial payment because I hadnt realized that it had changed. XXXX replied, yea I see youd never been late, and the notice went out to XXXX XXXX XXXX which is your old address. It shouldnt be reported as late on your credit report. I will speak with my manager XXXX tomorrow and she will contact the accounting department to have this change made on your credit report. The following day I received a call from XXXX stating, per my branch manager there is nothing she can do. There was a late payment in XXXX. We can escalate your request to the bank president. Long story short, I havent heard anything yet. They havent even updated my address correctly, not to mention update my credit report. Keep in mind this is the only account reporting as late on my report and ha damaged my credit report with incorrect information. I have never in my life had such a horrible experience with a credit union.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I forwarded a letter to Equifax dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( XXXX ) being reported for a XXXX XXXX and DIMISSED/CLOSED XXXX ( listed twice on my report ). Equifax hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Equifax is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Equifax may result in smalls claims action.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There are multiple wrong names plus wrong addresses on my report. I have tried to correct this multiple times. This last time I have tried doing this through Experian. I was told that it could not be done on line so asked for the free credit report so as to get everything written down correctly and then was going to put everything in writing. This started over a month ago and nothing has shown up. A couple of times I have tried to contact them on line to see what is happening. I go to the " contact us '' drop down and tried to do so. Of course they are unable to help and I must call a " number ''. I try to do so, they ask a bunch of questions and eventually get to something that I do not know the answer to. We then go around a couple of a ring around the rosy and they hang up. 
Could you please get me my supposedly free copy of my credit report from Experian so that I can dispute there misinformation in writing as they demand. 
Regards, XXXX XXXX XXXX XXXX My first name is XXXX, my middle name is XXXX The initials do not stand for anything and do not have periods after them.
Consumer complaint received 2017-11-07
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: CITIZENS FINANCIAL GROUP, INC. (NC)

I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.
Consumer complaint received 2017-11-07
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. (NC)

I spoke with a representative twice @ XXXX. Once in XXXX XXXX and again XXXX XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in XXXX I then also mailed validation letters on XXXX XXXX XXXX.