davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (NE)

I pay my Chase Sapphire Card in full, every month, without exception. At times, I end up paying a few days late due to travel/work. Because I pay in full, I call and ask at time of payment for a refund of any late fees/interest ( if any ), and they have 100 % of the time obliged ( for obvious reasons ). XX/XX/2016 this happened again, and I was told on the phone that the late fee/interest was waived and I paid the remaining balance in full. As it turned out, they only waived the late fee, so I in actuality did not pay in full, kicking off a series of monthly interest charges. This happened XX/XX/XXXX and XX/XX/XXXX as well as I was traveling for work/holidays over the due date. I again paid in full and called and they said the fees/interest were waived. It only now has come to my attention that the interest was never waived as told, which means my payment " in full '' was short an unknown interest payment, allowing them to rack up hundreds in interest fees ( that I thought were waived ) on purchases that were paid in full. When I called them, they said they could n't do anything, EVEN THOUGH THEY HAD TOLD ME FOR MONTHS that those fees had been waived ( and therefore I was paying in full ).
Consumer complaint received 2015-09-03
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MO)

on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.
Consumer complaint received 2015-09-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (LA)

Debt was mistakenly put on my credit report. I paid the debt to take it off my credit report. The original creditor has contacted the collection agency to stop but they cashed my check for payment and have failed to remove it from my credit report. 

Now I 'm out money and they are messing with my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2020-04-17
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)

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$450.00} {$450.00} No. of Months ( terms ) : - - High Credit : {$450.00} {$450.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (GA)

Issue was resolved earlier and now company is reporting a past due balance again. 
has been disputed multiple times on XXXX XXXX 2014 was issued a debt cancellation letter and XXXX but gm financial still refuses to update credit file to reflect no balance owed and reporting a past due balance.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (OR)

I financed a vehicle with Hyundai Motor Finance ( HMF ) at 0 % interest. I have since moved states and my new state requires I re-title the vehicle in my new state before I can register it. I first attempted to follow HMF 's directions online to upload a request for XXXX XXXX to title in a new state in XXXX. After several days of delays, they updated the online status to say the XXXX address was invalid ( it was not, but it is a newer DMV office ) and that they needed a completed Title Application. I completed that and uploaded it on XX/XX/XXXX. The status changed to " Pending '' with no additional notes or information. I finally called on XX/XX/XXXX after not hearing anything from HMF, and was advised they needed me to mail the physical copy ( despite this not previously being a requirement ). Considering this information was never relayed to me, I asked for a supervisor for further clarification and why two and a half weeks had passed and he said HMF asks all customers to call them for a status. This is not stated anywhere despite his insisting that it is always requested. This is exactly what they display online : " We are processing your state title transfer. Please reference the status tracker and checklists below to stay up to date on where we are in the process. Expected timeframes can vary. Please allow 6-8 weeks for the process to be completed. For more information please visit our FAQ section. " At this point it feels like they are purposely delaying assisting me with my state title transfer in hopes that I'll pay off my 0 % loan so I can get my title and register my vehicle.
Consumer complaint received 2022-07-20
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. (MD)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These XXXX cases are currently in legal litigation/court, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX XXXX and XXXX $ I have attached ftc report and information about the accounts attached I have also police report of identity theft with XXXX police department XXXX NC I ask that these accounts be removed immediately and fix my credit profile to reflect its correct status due to consumer financial laws
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (NV)

We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing , LLC and I entered into a loan modification over a year ago. And have been making regular monthly payments for over a year now. However, Ocwen only choses to credit the payments it decides to deposit on the dates it decides to deposit or in some cases returns back the funds. I send a payment but they never credit it to the account. Ocwen also does not report payments that were made and credited to the account correctly or at all to to the credit agency 's. Ocwen now wants to try to foreclose on my property, but will not except payment from me. Then a new modification Ocwen sent just over a month ago, was signed and sent back with payment. Ocwen accepted the funds only to return them ten days later and file a foreclosure. 
Furthermore Ocwen since the original modification was completed over a year ago has been holding {$45000.00} in my escrow account. Two months of ecsrow is all the that can be held in an escrow account by law. Ocwen is holding over ten times that. 
Ocwen needs to credit my account the escrow overage amount of over {$40000.00}. 
Ocwen is also holding a {$10000.00} insurance claim check they refuse to endorse and mail me for Hurricane damage to my roof. Finally Ocwen is also charging me {$2300.00} a year in flood insurance I do n't need because i am not in a flood zone. And refuses to credit back the insurance payment even though Ocwen has acknowledged the property is not in a flood zone. 
I have been dealing with Ocwen for a number of years and have found them to be XXXX of the most corrupt financial institutions in the nation. I have every intention on continuing to pay my mortgage, but how can i do that if Ocwen will not except my payment. I hope to resolve this problem and the many other discrepancies on my account as soon as possible.
Consumer complaint received 2023-12-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EQUIFAX, INC. (MI)

My information was sold and bought illegally because I was A victim of the Equifax data breach. I want these items deleted from My credit reports effective immediately. I am attaching proof that Equifax Has admitted that I was in fact a victim of this data breach and Equifax Has done nothing.
Consumer complaint received 2021-03-28
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. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2015-05-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fenton & McGarvey Law Firm, P.S.C. (IN)

I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
Consumer complaint received 2017-09-26
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. (IA)

I continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme XXXX as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2016-03-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (FL)

On XXXX/XXXX/XXXX, I called because I noticed fraudulent charges pending on my prepaid gift card issued by U.S.Bank. I provided all of the information and they froze the card. They said I would need to call back in 3 weeks in order to dispute the charges. I called on XXXX/XXXX/XXXX to dispute the charges, as requested. I provided all of the information they requested in a fax to their dispute department. I called again on XXXX/XXXX/XXXX to confirm they had received everything that they needed as I had not heard anything back. I talked to a representative named XXXX, and he said that they did have everything, and to call back in 5 weeks to check on the status of the dispute. I called on XXXX/XXXX/XXXX to check status and was told everything was still pending and to call back in a week. On XXXX/XXXX/XXXX I called again and the representative said that all charges had been found in my favor and my refund of {$49.00} was being mailed to me at the address given, and to expect to see the card within 2-3 weeks. I called again on XXXX/XXXX/XXXX as I had not gotten my card and was told that the dispute was pending until XXXX/XXXX/XXXX! How was the dispute found in my favor on XXXX/XXXX/XXXX when it was supposedly pending until XXXX/XXXX/XXXX? U.S.Bank has very shady and deceptive practices on refunding customers for fraudulent charges, and I request that my replacement card be issued as the representative on XXXX/XXXX/XXXX said she requested immediately for the amount of the disputed transactions for {$49.00}
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I have come into difficulties paying my mortgage. The cost of living has gone up. Also my wife has been receiving help for a drug addiction problem. I have a XXXX year old XXXX daughter and a XXXX year old son. Since my wife has gone for treatment a lot of things fell on my shoulders. Finding out that she was not paying pills during active addition. Having to take care of my children on my own. And my hours were reduced at work. There has not been any over time availabile. Ian very afraid to have to move my daughter to another home or worse even another school. My daughter becomes XXXX when her environment has had to many changes. I simply need 6 months to get caught up. I asked my mortgage company for help and they said no. That I have not been in the home long enough. ( I 'm sure it has more to do with the fact that they are selling my mortgage in 30 days! ) they say I have to pay {$700.00} in 30 days or get forcloused on!!! The one thing they said they could do is accept {$300.00} and RAISE my mortgage to {$2400.00} for the next 6 months!!! Is that suppose to be helping me in any way!?!?!? I just want to keep my family in my home!!!!