davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I received a copy of my credit report on XX/XX/XXXX and it showed two late payments in XX/XX/XXXX and XX/XX/XXXX reported by Kia Motor Finance. I have never been late and attempted to correct this information by sending Kia Motor Finance two letters on XX/XX/XXXX and XX/XX/XXXX disputing this information as inaccurate. Kia removed the XX/XX/XXXX late payment but states that the XX/XX/XXXX is being reported as accurate and refuses to remove the incorrect information. I also provided Kia with a copy of my payment history from their website with both letters and they still will not remove the incorrect information.
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

This case involves " XXXX XXXXXXXX '', a rental apartment complex, and " XXXX XXXX '', the collection agency to which the debt was sent to. 

A summary of the issue is the following : I lived in XXXX XXXXXXXX until XX/XX/XXXX and paid the prorated rent amount for the first 10 days of the month of XX/XX/XXXX ( the lease ended on XX/XX/XXXX ). XXXX  XXXX sent me a bill that included rent charges for 13 days ( including the XXXX, XXXX, and XXXX ) of XXXX. I attempted numerous times in good faith to resolve the outstanding amount to no avail. I could never get in contact with anyone there or get any response via email or phone. 

Instead of trying to resolve the issue with me, XXXX XXXXXXXX sent the debt to the collection agency ( " XXXX XXXX '' ) which is now threatening to harm my credit if I do not pay in full. 

When I asked the collection agency for proof of this debt, they sent me a copy of the apartment lease that I already had clearly showing the end date of the lease as XX/XX/XXXX. 

In addition, according to the collection agency ( " XXXX XXXX '' ), XXXX  XXXX is falsely stating that I stayed in the building past the end date of the lease ( XX/XX/XXXX ) to account for the extra charges. This is demonstrably false, and I would have been happy to provide evidence of such if they had ever bothered to respond to my attempts to resolve the outstanding balance. 

I have no issues paying for any remaining legitimate charges ( such as residual utility charges, etc. ), however I do not owe the amount stated and despite numerous attempts resolve the issue directly with XXXX XXXXXXXX. I will include proof of correspondence attempts in the " proof '' section of this complaint.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

I have problem with Best Buy store in XXXX, KY. Last year, in XX/XX/XXXX, the store issued a credit card to me. With that card I purchased a cell phone XXXX XXXX XXXX costing {$250.00} I paid {$64.00} ; meanwhile I had a family emergency that obligated me to go out of the country on XX/XX/XXXX. Before I left I urged my nephew to make payment every month on the XX/XX/XXXX. My nephew was at Best Buy store to make payment having the last four digits of my credit card. What was amazing, Best Buy associates couldn't find my account, they wanted the 16 digits of the card. The nephew reported to me and I copied the recto and verso of the card and sent it to him by XXXX. It did not take 3mn to receive the message. My nephew showed the copy of the card again they could not find my account. Again they want to have my social security number. I called my nephew and communicate the number to him. He was told by the same people that the social security number did not recognized. How come? It is the only social security number I have all my life, and it was with the same number used when they opened my account at Best Buy Store. Now how my nephew can make payment since they do not have my account. 
I came back in the country on XX/XX/XXXX. I personally went to Best Buy store and I experienced the same experience that my nephew had with them. This time they did try with my Kentucky State ID, the result was negative. They continue to send my statement by email and with these emails, they ask me to contact them. I did call them several times but each time I gave them the 16 digits the account is still unfounded. Even if it was a money collection, they should direct me to the company that collects their money and to which I can discuss how to make an arrangement ; but they continue to add fees from {$190.00} it was to {$320.00} with a minimum payment of {$240.00} I called to the number XXXX and I was asked my account number but the account was not found. My social security number was needed, again it was not recognized. I was transferred to another department where I met Mr. XXXX whom could not do anything good. He transferred me to another department where I met Ms. XXXX ; she did not give me what I was expecting. 
This time I use the number on the back of my cardXXXX to call the customer service. One lady pick up the phone and asked how she could help me. I tried to explain to her the whole history but it was too long ; she asked me to write down and to fax them at the number XXXX. It was on XX/XX/XXXX. I wrote the letter 1 plus other 3 emails I wrote to Best Buy previously and fax them the same day at XXXX. 
Till now I do not receive any response from Citi.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

Recently I finance a car and the dealer applied for a loan through XXXX XXXXXXXX XXXX which was a success. However, I see multiple loan hard inquiries on my credit from the same day of XX/XX/2023 which I do not recognize
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX . XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (RI)

Summary : language not in my card agreement is being used as language to not provide the promotional offer I signed on for. 

I signed on for a XXXX XXXXXXXX XXXX XXXX card. The offer was for XXXX bonus miles if you spend {$2000.00} in first XXXX months. Fees included, I spent over 2000 in the first XXXX months. 

However, they are disputing that XXXX of my transactions was a XXXX payment to a XXXX for work on my house that they deemed as a " cash advance '' The issue lies that in the card member agreement, " cash advance '' does not include language around XXXX, XXXX, and other payment apps. 

Citi did not consider that type of transaction a traditional purchase and thus is was not added to my total spend for bonus miles. 

Upon discussing this with their support team, they provided language NOT IN THE CARD AGREEMENT stating XXXX falls into " Quasi Cash Transactions '' Further, nowhere in my agreement does " cash advances '' say it will not apply to the promotional offer. 

I am now being told that I can not get my miles because of language that does not exist in my agreement.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MI)

My vehicle was financed with Consumer Portfolio Services XX/XX/2016. Most of the time I'm in their collection calls even after I think that I am current on my account. I mention about 1 year ago to a CPS representative that after looking at my payment history several payments were applied incorrectly and most ( about 85 % ) of the payment is going toward the interest. I was told that my account would be adjusted and now 1 year later I have just pulled my account payment history and noticed AGAIN how they are still applying payment to the interest and none of the payment is going toward principal and therefore will I never be in a position to pay of the vehicle. Since XX/XX/2016 I have paid about {$8600.00} toward an {$11.00}, XXXX auto loan and only {$1300.00} has been applied toward me owning this vehicle. 

I feel that this company is running a financial scam for individuals with damaged credit history. I feel they are intentionally improperly applying payments to my account. I am just like the other customers of this company that is having a hard time with them reviewing and adjusting the account payments correctly.
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service (FL)

I currently have a store credit card with Military Star AAFES with a limit of {$2500.00}. My last balance of XXXX was paid in full by my bank with my authorization on XX/XX/2023 this was after paying XXXX on XX/XX/2023. On XX/XX/2023, I noticed that I over paid XXXX and I immediately contacted customer service. They informed me that a check for XXXX would be mailed to me on XX/XX/2023 and I would receive it no later than XXXX week from that date. XXXX  is the XXXX and I have yet to receive this check for XXXX. I again called customer service on the XXXX to try to get the matter resolved and they are now telling me to email military star to ask when my check will be sent out. Customer service should have handled this problem and I am now getting the runaround.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

We purchased a car on XX/XX/XXXX from Santander Consumer, USA. It was a 2006 XXXX. 

In XX/XX/XXXX we voluntarily had the car repossessed due to job loss/income loss. 

After the repossession we never received anything from Santander indicating we owed on the car. It was not until XX/XX/XXXX that we received our first notification that we allegedly owed a balance of {$9000.00}. 

We then requested the following information to three different collection agencies ( the account was sold on several occasions ) and cc 'd Santander Consumer USA. None of the following information was ever received : The original contract from Santander The agreement giving them a security interest in the car The agreement giving them the right to sue for a deficiency after the took the car Proof of assignment of the debt Proof that our rights to redeem the car was sent and when we could have done that Proof of our right to reinstate the loan and when we could have done that had we chosen to If the car was sold at a private sale, the sale date If the car was sold at an auction, the date, time and location of the sale and A calcuation of the deficiency balance ( or surplus if applicable ), including a description of the fees and charges. 
We also never received proof that Santander sold the care in a " commercially reasonable manner. '' The original loan amount of the car was for {$10000.00} minus a down payment of {$1000.00}. 

At the time of the voluntary repossession the fair market value of the car was over {$7000.00} as it was in decent shape. Therefore, we have no idea how we could owe over {$9000.00} on a car that we did make payments on for almost 3 years and at the time of repossession was worth over {$7000.00}. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Loan Servicer : NewRez ; XXXX. XXXX XXXX ; XXXX, OH XXXX Our mortgage loan was paid in full on or about XX/XX/2019. At the time of the payoff, there was a {$6000.00} surplus in the escrow account. We received the lien release/loan satisfaction papers. 

As of today 's date ( and after numerous calls to get the funds disbursed ), we have NOT received the funds that were in the escrow account.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I saw a credit report that had LVNV Funding on my file. I wrote LVNV FUNDING and asked them to validate this debt. They didn't answer me. But they continue to report it on my credit file and they continue to add more money to the amount owed
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NC)

I am writing to file a formal complaint against Navient regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by Navient is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. 

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, Navient is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. 

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

Navient 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with Navient, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for Navient 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Navient. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (LA)

I applied for vehicle loan from this company and was denied and company could not give me a factual reason for my denial. They claim I was a high risk with a XXXX XXXX XXXX with over 6 accounts over 2 years with no late payments. I only have one car loan on my consumer report and I was using on trade in. I spoke with several supervisors and no one could give me a straight answer, I strongly feel I am being racially profiled by this bank. This bank really needs to be investigated.
Consumer complaint received 2023-09-09
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I really can't understand why Bank of America is getting away with crimes on my account, I have giving you all the proof of everything and Im still suffering from this bank fausifly my account.and they continue to lie about everything and anything This bank took my claim I filed for {$37000.00} XXXX and placed it to my account in the negative two hours after I filed. And took money to paid it back from claims that had nothing to do with that and claims they made up to make it even over the period of 11 months. I filed it because while I was in the hospital for 15 days the claim to have placed it to my account while I was in the hospital and claimed that someone spent it all in 15 days. I sent them police report and nine more pages of evidence. When getting my statements I also received my evidence back but this was not my paperwork I sent to them .I was told to place my name, b.d and claim numbers on the top of each page. But as they were going to there CCMS documents someone sent them to me instead. They whited out my claim numbers on each page, they backed out my S.S number and b.d on each page, and fraud my signature. And my bank statements were fraud by adding more dates to my statements and I have four different statements and none. Of them matches up.They never place XXXX to my account but they committed at least 9 felonies on my account to make it Look that way.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (NC)

I paid off my mortgage in full ( actually {$670.00} over payout ) and Mr. Cooper has gone full-predatory mode against me. 

First they miscalculated the amount due back to me of {$500.00}. 

Their payoff amount was {$1600.00} and I had an escrow of {$2200.00}. Just looking at those numbers ( not including their " suspense bucket '' shenanigans of {$160.00} and {$84.00} ) I would be due {$550.00}. 

XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} XX/XX/XXXX Unapplied Funds Payment Reversal {$84.00} If we do a more detailed analysis : {$63000.00} loan on XX/XX/XXXX at 4.5 % ( went down to in XXXX to about $ XXXX ) -- giving you ( generously ) {$310.00} interest = which would have become {$63000.00} by the end of XXXX if not for any payments. And then subtract the XXXX Escrow balance which was {$280.00} at that time. 

This gives an actual account balance with interest included and not including escrow of {$63000.00} going into XXXX. 

Then I made payments of {$64000.00} : XX/XX/XXXX : {$55000.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$1500.00} Subtract {$64000.00} payments from {$63000.00} and the amount amount due back is {$670.00}. 

Now using their payoff numbers ( which don't include their crooked mess with the suspension buckets ) I'm due {$550.00}. And a careful analysis of the money going back the last three months ( without the " suspension bucket '' nonsense and misapplied payments ) shows that I am due {$670.00}. 

And rather " coincidentally '' it seems like the ( approximately ) {$160.00} missing happened to go into a " suspension bucket '' on XX/XX/XXXX : XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} As if that wasn't enough, today ( XX/XX/XXXX ) they've changed the status of my account and reopened my PAID OFF MORTGAGE and are saying I OWE them {$820.00} by XX/XX/XXXX or they will charge me additional fees and interest. 

As of XX/XX/XXXX Unpaid principal {$240.00} Escrow {$770.00} By THEIR ACCOUNTING THEY OWE ME {$530.00} ( though it is actually {$670.00} ). 

But now they are demanding another {$820.00} even though they owe me money and my mortgage should be closed as paid in full.