davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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 (KY)

I paid off my lease for my XXXX XXXX XXXX in XXXX XXXX by obtaining an auto loan through my preferred local bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The payoff process with Kia was exhausting to say the least. No one could provide a payoff statement and the only option I had was to use the buyout ( or buydown ) statement available to me online. Once the payment was mailed and delivered, it took over a month for the lease to reflect in their system as paid in full. I then experienced issues when requesting a hard copy of the payoff statement to provide to XXXX for completion of the loan. Eventually XXXX was able to accept a copy of the transaction history and a paid in full letter that took several months to obtain in itself. 

The next, and current, issue at hand is regarding the title. As previously stated, the loan was paid in full in XXXX XXXX. The title was not mailed to me until XX/XX/XXXX, which does not appear timely. Not only was there a delay in receiving the title, but also the title was not properly notarized. The title I received was dated and stamped by the notary and all information was completed, with the exception of the notary 's signature. The notary signature is required by my county for processing of the title. XXXX requires that they be listed as the lienholder on the title, as well. 

After several weeks of back-and-forth conversation with Kia 's escalation team and customer service, it was finally determined that I was incorrectly advised that a new title would be sent to me and that I would need to send the title back to the Title department for corrections. I was told that I could request the document be overnighted back to me once signed. I agreed and mailed the title back to the Title department via XXXX 2nd Day Air to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, TX. The tracking number is XXXX and I paid {$25.00} out-of-pocket for this. 

The title was delivered on XX/XX/XXXX. It has been confirmed that this has been received but is still being processed. I am told every 2 weeks to call back in 5-7 business days for an update. I can not contact the Title department directly. No one can email me. No one can call me. The agents can only submit requests and I am left with nothing but hope that the process is completed in 5-7 business days. 

Not only is this process exhausting and frustrating, but also very stressful. XXXX has stated that we are in breach of our contract and they will be accelerating the debt owed ( {$38000.00} ). Additionally, the county has informed us that the taxes for the vehicle will be approximately {$2300.00}. 

As a middle-class family, we do not have this amount just sitting in our bank accounts. We are in the process of building a house and have XXXX small children. An acceleration of debt would negatively impact our credit score, causing us to be unable to continue construction on our new home.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mortgage Research Center, LLC (AZ)

Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over 30+ inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

my mortgage is with Flagstar Bank. I have tried for months to work with this company to resolve the forbearance issue and make payments. This company has denied the loan modification request, backlog my forbearance amount the end of the loan, refused to provide any help so I don't lose my home.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Using my Social Security Card, i opened a credit account with Synchrony bank creating a opened end consumer credit plan. The account showed an excess of {$1.00} resulting in a phone call with Consumer relations Corporate Specialist XXXX XXXX XXXX, extension XXXX. When i spoke of 12 CFR 1026.11 - Treatment of credit balances ; account termination she said she understood exactly what i was saying. She lied to me, she didn't understand the law and she didn't fix any billing issues. She said she cant compensate me when i never asked for compensation. I asked that any amounts owed or held for my behalf be credited to my account, any unearned insurance premiums or rebated be credited to the account. The law states upon my requested this is to be done. Why is the law being looked over synchrony bank? The company admitted to not sending me the correct billing statement, but they have not made an effort to cure the credit balance that is in excess of {$1.00}.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-24
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. (GA)

I submitted another dispute with Eperian on the XXXX of XXXX, and as of today the XXXX of XXXX, the dispute is still under investigation. Every time I dispute with them, this always happens, and they ended saying somehow the fraudulent accounts on my credit report belong to me because it's on my report, and I am responsible for it, and make me subscribe to their monthly fees just to have access to my full recent credit. By law they had 30 days to investigate.
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP ()

Vehicle loan was paid off XX/XX/2021 by check delivered via overnight carrier, together with a letter detailing where to send title and lien release. Nothing was received. Did some research and discovered Florida is an electronic title state, so it made sense that nothing was received in the mail. Planned to sell car in XX/XX/2021 and discovered lien was never released. Have spoken with 3 different US Bank employees, each of which acknowledged the loan is paid off. One said I would receive a paper lien release after 3-5 business days, one said the lien release was being researched, and one said she would talk to some people and get back to me, which she has not done. I have called her and she has not returned my call. 3 weeks have passed since my first phone call to US Bank regarding this matter.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

We decided to buy a fridge from XXXX 's and applied for a credit card. Got approved, purchased the fridge and the third party delivering the item did not want to deliver it in the house, for some reason. So, we told them to return it back to the store, which they did and we thought that was the end of our calamities with XXXX. The card was never charged and we never even received it, but soon I got an email that we owe the card company ( Synchrony-Lowes ) {$5.00} for something. We never received the statement so we did not know what the charge is for. A few weeks later we received another email that we now owe them {$12.00} which includes now a late fee and they reported it to the credit agency. Needled to say, our credit score went down. 
To add, I tried to pay XXXX XXXX bucks, just to avoid the headache, but I could not because we do not have a card and I stayed on the phone for hours. This is a legit scam and we got ripped from Lowes, from Synchrony, and got reported to XXXX. 
I hope you can do something about this. If you need more info, we will gladly send you the emails, because somebody needs to stip those guys
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (NC)

the message is for exeter finance. i was the victim of fraud and id theft and i called the company about this so that they were aware. i explained to them that i want the account closed due to this. they refuse to do so, and i will be getting the NC DOJ involved sooner or later. i sent them a copy of the ftc id theft report and a copy of the police report.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (LA)

I have been using CoinBase to buy, sell, convert, send, and receive cryptocurrency. In a recent audit of my transactions, it appears as though CoinBase has been charging me hidden fees for conversions from one coin to another when the transaction pages clearly state that there are no fees.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

We attempted to purchase a dog. However the dog was never recd chase informed us since we used XXXX they could not file a claim. We used online banking with them to pay for the dog. 

I have 3 transactions with email and letters with proof of the purchase. 

I am asking for funds to be return XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX I have proof of requests they made.
Consumer complaint received 2022-01-08
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. (TX)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX DEBT ; Credit Managent LP
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (OH)

There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over XXXX inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. 
XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (MA)

Hunter Warfield has called several times on different numbers and they never acknowledge e who they are with. I can not pay a bill if I am not sure who they are with. I do not owe this bill either. They refused to stop contacting me and they used different numbers so I am not able to block their number
Consumer complaint received 2021-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Good day, My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX, Ohio in XXXX XXXX. My Mr. Cooper / NationStar loan number is XXXX. I was awarded {$10000.00} from XXXX XXXX  XXXX Ohio to bring my mortgage currrent and pay my mortgage for 6 months, from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, Mr. Cooper / Nationstar did not accept the funds before I completed my trial modification, resulting in an increase to the principal of my loan, and an extension to my payments. I have contacted Mr. Cooper / Nationstar, several times, and no one can explain what is going on. Save the XXXX Ohio keeps saying that Mr. Cooper / Nationstar will not accept the funds. This is a FHA mortgage loan, so they should have accepted the federal funds. It seems like Mr. Cooper / Nationstar is trying to force my home into foreclosure. I am also a claimant in one of the class action lawsuits against Nationstar that they keep appealing, and delaying compensation for the wronged customers.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I deposited a check which I failed to read payee info, and presumed was made out to myself and the additional person on my insurance policy for a claim. On XX/XX/XXXX I attempted to use my debit card multiple times, called Citibank to ask what my balance was they stated it was positive tried to utilize card again. Finally called for the second time during a short period of time and was told my account had a fraud alert hold on it. I was never notified, not via text, email, phone call, nothing! I went down to the branch as advised by customer service or whoever was in the fraud department. Branch said they couldnt do anything they had to call fraud, which he did I provided more documentation than they needed and supporting documents as well only to be told NOPE sorry. I called my insurance company to notify them of the situation and placed a stop payment on the check so that they could reissue a check made only in my name since Im the only registered owner of that vehicle. Received a phone call today XX/XX/XXXX from my insurance company that Citibank has already cashed the check and theyre unable to reissue payment. I called Citibank, they said I had to go down to the branch Im not PLAYING that game again. The fraud department has already called my insurance to verify that this is in fact a LEGITIMATE check and its mine yet theyre withholding funds. I had someone from fraud state they would hold my account indefinitely and not close it, to which I asked about legality and they said it was legal for them to do! I cant get my insurance to reissue payment because this check Citibank has in face already cashed, and they wont let my account out of fraud alert because XXXX only knows why! I already went down to the branch, youve already called my insurance company and theyve in fact stated this check was FOR ME! What is the problem?
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (TX)

Good evening i have new exhibits to submit. i am requesting the description of reinvestigation of the procedure from Equifax who claim these accounts are verified im currently being violated by Equifax! they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Walmart/Synchrony Bank credit Card keeps taking payments from the wrong bank account causing overdraft fees. I changed the payment information from one bank to another in XXXX and while it shows the proper information on the website they still try to take the payment from the old account causing overdraft fees and after the first improper payment was applied and when it returned they shut down my credit limit for their mistake. Since then they still have the correct bank account information in their system but continue to try to run the old bank information. this has caused {$140.00} in overdraft fees plus countless hours of talking to their customer service reps. that can only tell me that this isn't happening because when their agents look online the only account they show is the correct one. No one will address the problems with the old account.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (TX)

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 2021-10-20
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: EQUIFAX, INC. (FL)

CFPB complaint reasons : 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 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.