davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023, at roughly XXXX XXXX, I attempted to use my PayPal debit card at an ATM and was denied due to " unauthorized access ''. When I checked my PayPal checking account, I found that it had been " permanently limited '', allegedly due to some breach of the Acceptable Use Policy, the likes of which I am completely unaware of. Attempting to contact PayPal 's resolution center and speaking with their agents yielded no results -- they could and would not inform me as to the specifics behind PayPal 's XXXX team 's decision to place my account in permanent limbo. That account is literally my lifeblood, financially. It is where my payrolls are direct deposited to and I have bills that automatically draft from the account. I can not even access the funds that are in the account, money that I worked for, mind you, to transfer it to another account ; I have to wait for 180 days. I did not even get a heads-up that this was even happening. I literally woke up today thinking all was well and had I not attempted to make the withdrawal, I would likely not even know about my PayPal account 's status until I got a letter or a call asking why a payment hadn't gone through or my Internet or mobile phone service got shut off after I'm thinking it's being paid. PayPal did not follow best practices with regard to communication at all.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

My vehicle XXXX XXXX XXXX was damaged by a hit and run motorist on XX/XX/XXXX .I have police report that was given to Autonow Finanicial services. I have tried several times since then and left several messages related this insurance claim.This company has proven to be unprofessional and very nasty to me as a consumer. I have decided to turn vehicle back to car lot. Me as a human being and a consumer do not deserve and do not appreciate the treatment I have endured.I am sharing my concerns with and get this contract with this awful company voided.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Late XX/XX/2023, I was attempting to sale my boat. I was working with a potential buyer and the buyer sent me a business check for the purchase of my boat. I called USAA and informed them that I was selling my boat and I had a check that was suspicious to me. I asked how to determine if this was a fraudulent check. The USAA representative told me the only way to determine if the check is fraudulent is to deposit the check and let USAA run the process. As long as I don't touch the funds, they would just pull the funds from my account if it was deemed fraud. 

A few days later, I called USAA back after having some suspicious correspondence with the buyer that made me assume that the check was fraud. I called USAA back, told them I assumed this was fraud and opened a fraud case with USAA to investigate. About 5 days later, I was notified that the check was fraudulent and they removed the funds from my account. The security person told me that if I deposited another fraudulent check, I would be removed as a member of USAA after 25 plus years. 

Now USAA has added a restriction on my account so I am no longer able to deposit checks above {$1000.00} dollars a day. Even though, in their own documentation, it strictly states that no negative actions will be taken against my account. Now USAA is telling me that due to the fraud check, my account has been tagged and will not be able to be reviewed for another six months.

USAA escalation managers, two of them, have told me its my responsibility to now that a check is fraudulent before depositing it into my account. So much for USAA protecting the consumer. Didn't realize I have to have a financial background to determine how a check is fraud or not. 

I do not have the ability to mobile deposit checks now. USAA is refusing to assist, even though I did everything by their guidance. USAA after 25 years of being a member is treating me like I am the criminal. This is complete, utter, disappointment in USAA. I expected better!
Consumer complaint received 2024-11-29
Product: Vehicle loan or lease — Loan
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 (FL)

I was involved in a car accident on XXXX On XXXX  my vehicle was considered a total loss. XXXX made a settlement payment to Kia Finance in the amount of {$13000.00} which cleared and posted on XX/XX/year>. My extended warranty , road hazard, and tire and wheel protection was cancelled and refunded to my Kia account in the amount of {$2800.00} on XX/XX/year>. XXXX insurance made a settlement payment of {$13000.00} which cleared and posted to Kia Finance on XX/XX/scrub>XXXX 

Kia Finance closed my account as paid in full. The company sent me a letter advising such and reported to all three credit bureaus that my account is closed and paid in full. 

Kia notified me that my account had an overpayment amount of {$620.00}. Kia Finance mailed me a check in the amount of {$620.00} dated XXXX I received the check in the mail on Friday, XX/XX/year> and deposited the check into my XXXX XXXX account on Monday, XX/XX/scrub>XXXX As of today, XX/XX/scrub>XXXX  XXXX XXXX advised that the check made from Kia Finance was voided and returned. 

My XXXX XXXX account is now in the negative and I have to pay a returned check fee. 
I called Kia Finance today ( XX/XX/scrub>XXXX  ) and the customer service representative advised the original dealer ( XXXX XXXX ) notified Kia Finance recently that the extended warranty was voided, and the funds should be returned to the dealer. 

As a result, Kia Finance voided the check made to me, ( after I already deposited it in my bank account ) causing an adverse impact to me as a customer without any proper notice. Now, my bank account is impacted, and Kia Finance is now stating my account is not paid off as previously reported.

The error, if any, solely lies within the hands of Kia Finance and the company needs to clear the check they issued to me.

I requested to speak with someone within the legal and/or finance department and was refused by the escalation representative, XXXX.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Profolio recovery calls me everyday I have informed to stop calling me and I am on the no call registry. I informed them it is harassment. They call from multiple numbers. Last one was : XXXX. Thank you.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I have a checking account with Wells fargo that I use on occasion only as I have another checking account with XXXX that I use as my main checking account. Its because of this infrequent use and the fact that I do not ever audit my monthly statements for unauthorized charges that I didnt notice countless charges from " XXXX '' on my account going back months. When I did finally find the charges because my account was negative, I filed a dispute with wells fargo and was told I had nothing to worry about, and that I wasnt responsible for unauthorized charges. Well apparently that was a lie, for some reason I was only given a temporary credit of about {$1000.00}, when the charges were in excess of {$6000.00}. When I looked into the dispute online, it shows that some of the transactions I was given a temporary credit for, but the vast majority of the transactions showed as " closed '' Which made no sense to me, as I had only filed the dispute literally a day or so prior, it was like they were instantly decided to not be fraudulent without any investigation what-so-ever. From my own research, this is in violation of the Reg E laws in which I was suppose to be given a temporary credit in 10 business days. How could I get a temporary credit for some of the transactions but NOT some others? Seems like wells clearly closed these transactions without any investigation AT ALL. If I have to I will have my lawyer file a suite based on the reg E laws and Wells Fargo 's violation of them.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To whom it may concern : I have been trying to save my home since XXXX of last year but all I am getting is a run around from SPS. They continue to ask repetitive questions about my income and even deliberately wasted over 3 months until I deposited my daughters contribution income to my bank account. They said it was mandatory otherwise they could not continue with my review. I had filed a previous CFPB complaint and they even advised on there that the process consisted of being showing the income deposited. So they lied to your department about my original complaint. Now they told me all I had to do was fix the non borrower credit auth and submit it with 100 % income contribution. 

They are trying to go back on everything they originally stated. I am beyond scared of losing my home because these people don't care about anyones home! They are just saying whatever they feel is going to comfort me and try to make another excuse. My counselor XXXX XXXX has been following up with them on a weekly basis every since resubmitting my loss mitigation application again for the 5th time. He spoke to XXXX from the management 2 that clearly advised there would be no further documents needed and clarified that we should be hearing a resolution soon. Two days later they ask for more information, information they knew already. They were asking about the deposits on my bank statement that where not from my social security. Those deposits are the ones they advised I needed to make! Today we spoke to XXXX in the management team and all she could say is I'll get back to you, this is the same excuse I have been getting for over a year now! They just don't care and something needs to change!
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

On XX/XX/XXXX XXXX of collection reported on my account/collection letter sent to me, Wakefield and Associates add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. According to HIPP law they have no right sale my personal health records.
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (FL)

I am bringing a matter to your attention in the hope that you will be able to assist me and rectify an injustice by BMW FinanciaXXXX in settling a vehicle lease I recently terminated. 

I recently lost my vehicle in Hurricane Ian. I leased the car from BMW Financial Services and it had roughly a {$28000.00} balance, according to BMWs website on XX/XX/XXXX. My insurance company, XXXX XXXX, paid the market value of the vehicle on XX/XX/XXXX, amounting to {$40000.00}. The difference between the insurance proceeds and the lease balance was roughly {$12000.00}. BMR Financial Services plans to keep the difference. They believe they are justified, since they own the vehicle. This is a hardship for me ( I am retired ), since I had planned to use the equity to purchase another vehicle. I object to their policy and believe it is unfair for several reasons : XXXX. Lack of disclosure. Had I known, I would have paid off the lease balance in early XXXX, which would have entitled me to the proceeds. This was not disclosed on their website nor was it in the lease contract. 
XXXX. Usurious. The roughly {$12000.00} profit BMW plans to retain represents approximately a 43 % gain on the lease balance. While a lease is not a loan, and subject to Federal usury laws, nonetheless, it is a financial contract. I believe a 43 % return is inappropriate, and takes advantage of retail customers who individually have little means to battle a large, foreign manufacturer. 
XXXX. Takes advantage of Hurricane Victims. This policy takes full advantage of Hurricane Ian victims. When I complained to the BMW agent, they mentioned that this policy had specifically been discussed at BMW, and that other customers had also complained to them about this same policy. I take this to mean that they are victimizing numerous customers in the XXXX XXXX area. 
XXXX. Inadequate alternatives. BMW offered to apply the difference if I leased another BMW from them. However, BMW had no XXXX XXXX vehicles available on the XXXX XXXX and would not be able to source another car until XXXX at the earliest. I need a vehicle sooner than that, so this offer is hollow. 

I can be reached at XXXX XXXX XXXX. Many thanks.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We a XXXX  XXXX  with which we used to receive regular monthly payments from XXXX XXXX XXXX XXXX a.k.a. XXXX via ACH. We opened a new account with Bank of America and ever since we have been unable to receive these funds electronically because Bank of America keeps rejecting the ACH deposit from XXXX XXXX XXXX XXXX a.k.a. XXXX. As a result, we have had to deposit manual checks from XXXX XXXX XXXX XXXX a.k.a. XXXX which has resulted in additional fees. In XXXX we deposited our first check into Bank of America via Mobile deposit without any issue, and typical XXXX hold time. Last week on XX/XX/23 I deposited another check at the branch. I was not advised that there would be any hold beyond the typical XXXX time, as before. A few hours later, Bank of America advised me that there would be a 15-calendar day hold on this check, because " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Now mind you, not more than 30 days ago we deposited a check for roughly the same amount and from the same company and same account and it was paid, without issue. The check was drawn on XXXX. XXXX has confirmed that the check was paid. Bank of America is refusing to acknowledge that they have received the funds and stated that even if they do, they will not release the hold. Bank of America has placed this hold strictly as a punitive measure on our account because one, we have a very low balance and two it was overdrawn by their fees at the time of the deposit. There is nothing abnormal about this check or transaction that would cause the hold to be placed otherwise. I have tried to reason with them, but they refuse to budge. Bank of America rakes in BILLIONS of $ $ $ $ in profit every year on the backs of poor and working-class people and micro businesses and their policies such as they unreasonably long funds hold in spite of already receive the fund punishes and pushes people like us further down the run of society bearing the brunt of fees for no reason other than to line the pockets of the wealthy.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

I entered into a consumer credit transaction with only the U.S. Department of Education only in 2013. However, Great Lakes Educational Loan Services Inc. acted as the servicer and debt collector for this alleged loan. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violation of federal law.
Consumer complaint received 2021-07-08
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. (AL)

My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX purchased two uniforms ( {$130.00} ) for my daughter for her dance recital that was scheduled for XXXX. One uniform was for Hip Hop & the other for Ballet ( dress ). Decided my daughter would only do Ballet & cancelled the hip uniform. The company credited me {$50.00} back from the XXXX {$130.00} XXXX, so I was charged {$80.00} for the ballet ( dress ). Covid pandemic hits in XXXX & dance theatre closes. Never receive any updates from Dance theatre & how they plan to move forward with business because they had the incorrect email address. Continually looked for updates on dance theatre sites & called with no success until XXXX. Stopped by the dance theatre to pick up dress ( {$80.00} ) & request refund for dance class charges for XXXX & XXXX they charged me ( {$70.00} ea month XXXX. XXXX XXXX unwilling to compromise & stated they were in too much debt XXXX $ XXXX XXXX due to pandemic & threw away the dress XXXX {$80.00} XXXX because they didnt have enough room. Disputed charges with my credit card company which said I didnt have enough evidence to investigate. They didnt contact the merchant & stated I needed to provide the color of the dress, brand & size. The dress was suppose to be custom made by the dance theatre, so I could not provide that information. Secondly, they never looked into my Dance class charges of {$70.00} each month that I disputed & couldnt provide an explanation on why. The dance company went to virtual classes in which we were never informed of because they didnt pick up their phone, update their website, or send an email to the correct address. Credit card company is unwilling to truly investigate & told me my option is to provide more info or contact Visa directly to see if they will investigate.
Consumer complaint received 2021-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-05-19
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. (GA)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (FL)

Made {$4000.00} in deposits by mobile check deposit, and checks cleared out of bank into my new account. Bank suspended debit card and atm and frozen account and kept my deposits. I reached out and been hung up on multiple times. I complained to report them and First Tech Federal credit union said do it no one will do anything. They have had funds for a month now.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I have a store credit card issued by Comenity Bank with a {$200.00} credit limit. The minimum amount due each month is {$35.00}. On XX/XX/XXXX I started sending in payments of $ 50 monthly. I'm on a fixed income so the payments are setup on bill payment on the 3rd of each month and are set electronically to Comenity Bank. I don't receive a bill each month because I was setup on paperless billing. I noticed that the balance had not been going down and I still owe them {$140.00}. I was able to setup an online account with Comenity Bank yesterday and we I logged in and reviewed my account I noticed that I was being charged a {$35.00} late fee each month after the {$50.00} payment was made. I've never missed one payment, I reached out to Comenity Bank on XX/XX/XXXX spoke with a senior Representative named XXXX who apologized and said he wished I would of called sooner about this and that he would credit the late fee for XXXX. This is wrong business practice I should of been made aware of any late fees that were being applied to the account and I would like something to be done about this. I need to be compensated for the money that's been taken away from me.