davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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 (MA)

Hyundai / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX  XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with Hyundai to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a XXXX  XXXX  issued by Citibank. I had one before back in the year 2017. However I never used the card, not once. The bank closed the card. So when I applied for the card today they declined me siting that my last XXXX XXXX was delinquent. I questioned that. Because how can a card be delinquent when it was never even used? It was closed with a XXXX balance. And there were no fees associated with the card. They could not provide me proof that the card was delinquent. I then got transferred to a manager. The manager then said that the card that was closed could have been closed because it was delinquent, she didn't know. They have access to my credit bureau. I assure you I monitor it every day, and there has never been any late payments or delinquencies. Citibank has a history of reps making comments that would be in violation of protected classes such as XXXX, XXXX, age, etc. I will reach out to their XXXX XXXX XXXX in Tennesse. My next step is to start the legal process and mediation. I need answers.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I received correspondence from Receivables management in an attempt to collect a debt. Receivables management has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Receivables management is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Receivables management in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

The credit reported derogatory info and shows inaccuracies. The true date of delinquency/Charge-Off started XX/XX/XXXX. New Jersey Law, statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt. Schedule deletion date indicates XX/XX/XXXX. Correct date of deletion date was XX/XX/XXXX.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Wells fargo bank has lost the public trust of the consumers and customers that trusted wells fargo bank to help us to become financially stable and has taken advantage of me as well as the other customers and consumers and has forced past employees that worked at wells fargo bank and was fired because these past employees of wells fargo bank to open up 1.5 million accounts with out the authorization and consent and permission. And those bankers that was fired from wells fargo bank wanted those bankers to participate in all of these illegal activities that wells fargo bank was doing to not only me but to other customers and consumers. And there is no telling how long these illegal activities has been going on. And the cooperate office of wells fargo knew about all of these illegal activities and made any attempt what so ever to stop all of these illegal activities. And wells fargo bank should be held liable for taking advantage of those customers and consumers that trusted wells fargo bank to help us to become financially stable. And has fired all of all of those bankers that worked for wells fargo for telling the truth about all of these illegal activities and scandal 's that was going on. And wells fargo bank has been sued for discrimination and sued for opening fake accounts with out the authorization from the consumers permission and consent. And this is supposed to a professional institution but it's obvious that it's not. And wells fargo bank and the cooperate office of wells fargo bank knew that all of these illegal activities was going on failed to stop it. And matter of fact the consumers and customers should have a right to financial privacy and the consumers should be notified and asked before wells fargo bank to use those consumers and customers information. But instead wells fargo bank has sold those customers and consumers information with out their consent and permission and authorization. I strongly believe that if all of these rights existed why are these rights being enforced? I just forgot to tell you we don't have any privacy what so ever. Because if people had all of these rights these rights should be enforced. Maybe that is why these institutions and facilities want the consumers and customers and patients to sign a disclosure and disclaimer to release a facility from being sued.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY WELLS FARGO BANK, XXXX XXXX XXXX ( XXXX ) AND XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. WELLS FARGO LOAN # : XXXX, XXXX LOAN # : XXXX Wells Fargo Bank, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). XXXX claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXX XXXX XXXX ; which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-09-04
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: JPMORGAN CHASE & CO. (TX)

I disputed a {$560.00} charge made on my Chase credit card ending in XXXX for XXXX ( a weight loss clinic in XXXX ) on XX/XX/2020. On XX/XX/2020, less than 24 hours, I returned all unopened supplements in person. The lady at the front desk only agreed to accept the returned items because she inspected them and confirmed no tampering was made. I was told the owner would contact me to the refund. I have attended no classes and the returned items have been in XXXX possession as on XX/XX/2020. The owner stated they have a no refund policy and they can not accept returned products ( although they have accepted mine ). However, the credit card dispute I filed with Chase bank was closed in XXXX favor because Chase demanded I submit a return receipt as proof. XXXX falsely claimed they did not have any of the returned items, so no refund would be made. When I provided both emails and voicemails as proof from the company stating they were indeed in possession, Chase stated a return receipt was the only proof they would accept to continue the dispute. The company perjured themselves in their official statement, but Chase would not investigate any further. They sided with XXXX. I have incurred a financial loss of {$560.00} and have received no service or product for the initial purchase made on XX/XX/2020. 

After reviewing comments on the XXXX XXXX XXXX and XXXX Consumer websites, it is clear this company is defrauding the public due to the following : - Advertising is misleading ( customers always pay more than advertised costs ) - Supplements given are not FDA approved and customers have no access to review ingredients with their primary care doctor, until they sign up for the program. 
- Staff is dressed in medical scrubs, taking medical information ( pulse, heartbeat, and medical history, etc ), but are none are licensed medical professionals. ( Violation to the public : None of your medical information is protected by HIPAA because they are not medical professionals ). 
- There is no signage posted about not being medically licensed to give healthcare advice, not is there prominent posting about their no refunds policy. 

Chase bank did not do due diligence regarding my charge dispute. Ive never had a company state that one a specific document ( return receipt ) is accepted as proof when you have documentation via email & actual voicemails left by the company admitting they committed perjury. Its as if Chase didnt want to protect the consumer given all the evidence against the company.
Consumer complaint received 2020-05-13
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. (TX)

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below XXXX  which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for Transunion and they were higher than what XXXX  was reporting. XXXX XXXX was reported the scores XXXX  points higher for Transunion upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

This problem is the same issue I had with 5/3 bank XXXX. Please reference my previous complaint. I made a transfer from my 5/3 Bank checking account to my 5/3 mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX XXXX. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all 3 major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (NY)

I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account
Consumer complaint received 2022-01-25
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: CITIBANK, N.A. (OH)

This issue began about 1 year ago from today where I was scammed on XXXX while purchasing gym equipment and flooring for my new gym. I opened a dispute with Citi bank following the scam. 

The dispute has been ongoing for the past year, opening and closing randomly forcing me to spend about 60-70 hours total on the phone/on hold with Citi. They constantly told me it'll be resolved soon and when I discussed the case with dispute department managers they said it should be a simple case and resolve within 7-14 days. That happened about a dozen times. 

Fast forward to XX/XX/22 - Citi decided to place the {$12000.00} balance on my credit report and state that I am past due on my card, tanking my credit score and causing the rest of my credit cards to reduce my limits significantly. Now the currently amount being disputed is about {$18000.00}, well over the current balance. It makes no sense that I am " past due '' or owe them anything at all. Especially since 1 out of the 4 transactions for this $ XXXX was already sent back as resolved in my favor! They're all from the same scam. It doesn't add up. 

Furthermore, the Fair Credit Reporting Act makes it unallowable for a credit card company to negatively impact your score during an ongoing dispute. 

I am getting married in May and was attempting to purchase a house. The mortgage company says I am now under the qualifiable credit score due to Citi 's illegal use of credit reporting.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (OH)

Hello, I am forwarding this complaint because Chime truly put my family in a bind and presented additional mental distress during this pandemic, I emailed this company over 15x for a better understanding of why our overdraft limit went from XXXX to XXXX in one fail swoop in a spann of 2hours. I would like to offer context and backstory to this, I have been with Chime for 3 years-they are not a traditional bank so that's why I tried them out. One of the features the app has is the ability to have a friend send you a XXXX. A friend of my husband and I sent a {$5.00} boost and that in turn increased our XXXX Overdraft limit to XXXX. We received an email notification at XXXX, XX/XX/21 then at XXXX we received an email stating that our overdraft limit had been dropped to XXXX. That is a huge difference, granted we aren't entitled to the overdraft but this is what they advertised and I partook in that. This caused instant panic and distress due to the fact that the XXXX was factored into our budget. I reached out to customer service, and the rep did not have answers, so I then spoke with a supervisor, and then floor manager. The floor manager XXXX added insult to injury being rude, sarcastic, flippant, he would put the call on mute while we asked questions and would not respond. After a phone call that was over a hour and Us being pushed to the extreme limits I mean exhausted mentally and angry, we are given emails XXXX XXXX XXXX and XXXX XXXX XXXX. I reached out to them and was told that that our last qualifying deposit in order to enable XXXX  was in XXXX, but I was confused by this because in XXXX the SpotMe limit was XXXX. They had no rhyme or reason to why it continued leaving my family under the impression that the overdraft was XXXX. I emailed them so many times with no response, until the point I knew I was being ignored. This has put my family and I in a terrible bind for the next 2 weeks. There was no warning that the limit would change or anything. This entire experience was traumatic and I pray someone looks into why there wouldnt be a warning email or something.
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (CA)

I have submitted a cancellation of the entire order to both Best Buy Credit Card Services along with XXXX XXXX XXXX and the items are still appearing on my statement. I followed the cancellation process according to terms and conditions of both companies and yet I am still being charged for furniture which I have never received and or signed for delivery acceptance.