davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION (MS)

hello my name is XXXX XXXX my car was tow and damage about a year ago. I went through you guys to have the issue fix I also let the company no that my car was making an strange sound after been towed they denied the noise or damage that could have been done and only fixed what was visible ..I have been out of several thousands of dollars since than repairing a car from the ropessions. Each dealership I take the car to states that depending on how my car was repo it could be that the damage my transmission the company states the have pictures showing my car was tow correctly while I show other wise if my car was tow correctly why and how did the damage it in the first place credit acceptance account XXXX the supervisor stated if you need further assistance and still having issues reach out and we will help but since reaching out the are unable to assist me
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

I've submitted all the evidence I had, yet Chime still refuses to side with me. I believe this bank is a fake. I got a charge from XXXX that I was confused by as I didn't make the charge because I already own XXXX vehicles. I told Chime about this and I thought I could trust them with my banking needs, but obviously they can't. They were supposed to protect me in the event that something happens, but even with the overwhelming evidence I provided, they denied me XXXX SEPARATE TIMES. I showed them proof of my other vehicles, the location I was at when I was charged ( at home ), and they refuse to give me a reason why. I requested for the reason, and they basically told me the reason is because they denied my claim. That's not a reason! And at this point, if Chime doesn't decide to issue me back my hard-earned money, I will be forced to take legal action against Chime. I'm already speaking with my lawyer due to the frustrations I have to deal with. Because this is ridiculous. Chime advertises itself as a place where your money is safe and secure, yet I had over {$500.00} ripped away from me and Chime refuses to give me the money back. These " investigations '' Chime makes are not investigations. Investigations don't happen in this short of a time span. So not only am I looking into legal mitigation, I will use my social media platform of over XXXX followers to expose Chime for the things they've done to me. Chime can simply look over the emails for all of the proof I provided that I didn't make those XXXX charges. XXXX is a fraud company.
Consumer complaint received 2022-03-09
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. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the unauthorized inquiries, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned unauthorized inquiries for they were found erroneous. 
XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Placed an online order on XX/XX/2021, canceled order same day. On XX/XX/2021 a charge appeared on my account for {$76.00} the amount of order I canceled on XX/XX/2021 so I filed a claim to have the funds returned to my account. Called the bank several times concerning claim ( Wells Fargo ) after I hung up on a claims worker suddenly the charge disappeared from my account and Wells Fargo never returned money owed me to my account. I have been receiving my bank statements online after today XX/XX/2021 I changed to paper statements. Someone at Wells Fargo changed information in my account today, that charge was on my account today until it was taken off after XXXX today, but my account was not credited the {$76.00}.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

I have been paying a debt over the phone. They told me multiple times after one of the balances was paid I would be able to pay online. Now they are saying that is incorrect. I have Never received anything with account balances, original debtors, or dates.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Citibank has not refunded me money from my closed checking account where XXXX funds were stolen. I filed a dispute twice about 3 amounts that were taken from my checking account. {$420.00}, {$360.00}, and {$620.00} These thieves hacked my account deposited money and then withdrew it. This type of fraud is covered under regulation E and the bank is supposed to restore money to the customers. Citibank is an XXXX bank and customers ' money is insured. 

Citibank needs to refund my money back from this stolen XXXX fraud. {$1400.00} is what Citibank needs to refund me. Customers can no longer see their accounts and Citibank should send me a copy of my bank statement.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

The number of payments eligible for PSLF is incorrect and Ive tried to correct this and no one seems to know how to help. Ive been in the medical field working for a qualified employer since 2010. I was also on XXXX with $ 0 monthly payment that I was told would still count toward forgiveness. But not all those payment are being counted as forbearance which would not qualify.
Consumer complaint received 2019-08-21
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/XXXX. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/XXXX. 

Signed contract does not show terms regarding service contract cancellations. Customer was under informed and had no chance to know that service contract cancellation refund will not be applied towards monthly payment. Please follow signed terms of a contract. 

TFS informed customer that payment will be applied towards principal after 30d late mark was already reported ( as per conversation with TFS representative on XX/XX/XXXX ). There was no information given to customer prior reporting 30d late that a service contract cancellation refund will not be applied towards monthly payment.
Consumer complaint received 2022-03-12
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. (CA)

In Accordance with the Fair Credit Reporting Act, XXXX  account # XXXX, Has violated My Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) AddressXXXX XXXX XXXXANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX  XXXX ) ADDRESS- XXXX XXXX XXXXXXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX
Consumer complaint received 2022-03-09
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. (GA)

I am communicating with XXXX XXXX SC for the delinquent reporting on my consumer report. I have disputes with XXXX, XXXX and EQUIFAX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND EQUIFAX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
EQUIFAX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, XXXX and EQUIFAX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I deposited a check for roughly {$5100.00} into my checking account at Fifth Third Bank on the evening of XX/XX/19 via remote deposit. I have deposited a check into the same checking account from the same company roughly 6 times this year. The bank is telling me that they are going to freeze availability until XX/XX/19. They said they are doing this because they received information from the paying bank that they might not pay the {$5100.00}. 

And that is just a flat out lie. It's a 401k loan for God 's sake, 53rd continues to lie about this. I believe it's deceptive and flat out abusive. My mortgage is going to be late, resulting in a fee due to this freezing that 53rd has done. It will cause other financial hardships into next week. I will attach 53rd 's response, and you will see where they are telling me that they received information from the paying bank that the check might not be paid. I think the CFPB should demand that information from 53rd or release the funds and also reimburse my account for undue hardship, say {$250.00}.
Consumer complaint received 2021-09-13
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: VW Credit, Inc (WA)

I financed my car through Volkswagen credit in XXXX in XXXX County Georgia. I am XXXX XXXX military and when I attempted to register my Vehicle in Texas ( new duty station ) I was told I needed a copy of my title. 

I contacted Volkswagen credit in XXXX requesting a copy of my title for registration. They told me that the title was a digital copy and would take 20 business days to process. I called back on the XXXX ( XXXX ) business day for an update. They told me that there was a hold on my account in Georgia that needed to be removed and that it would now take another 20 business days to receive the title. I called again on the XXXX business ( XXXX ) for an update. They stated that they had not requested the title to be sent yet and it would take another 20 business days. I called again on the XXXX business day ( XXXX ) and still no one has any idea where the title is. I confirmed with the Georgia DMV that they sent it to Volkswagen credit XXXX XX/XX/XXXX. I have called VW credit every week since asking for an update and am either hung up on, told they will call me back ( they never do ), or asked to give them more time. 

Additionally, as previously stated I am XXXX XXXX military and just XXXX XXXX from XXXX  to XXXX  State. I was told I can not close out my travel voucher ( est. {$4000.00} in reimbursement ) until I am able to register my car ( which has been unregistered for months now ). 

Bottom line, I just need help. I have waited 4 months and spent at least 16 hours on the phone to get a copy of this title ... all just to register my vehicle. Please help.
Consumer complaint received 2021-04-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (CA)

My LoanCare Loan amount was paid in full when I sold my house and when my escrow was closed on XX/XX/2021. Since then I am trying to update this on my XXXX credit report. I have provided the document I received which shows that my balance is {$0.00} but XXXX  just closed my dispute stating that LoanCare has certified the information and it will remain on my report. Not only they are not updating the account status they are also keep marking late payments every month which has ruined my credit. LoanCare is one of the worst company I have ever deal with. I had to hire a lawyer to get them talk to us otherwise they gave me run around for last 2 years. Once lawyer got involved they hand over my account to company called XXXX. XXXX  account representative was the one helped out to get me the payoff letter ( attached here ) and I have provided this to XXXX  but unfortunately XXXX  not taking any action. 
I also have all email correspondence saved which I sent in over 2 years to LoanCare and then to XXXX once my lawyer get involved. 
Please help me to solve this issue.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX- 2 Transactions on this date hit my bank. 

1. XXXX XXXX {$9.00} 2. XXXX {$89.00} I have notifications on my bank account and prior to any transactions hitting my bank account I had a positive balance of {$15.00} According to my alerts from yesterday, Transaction # 1- XXXX XXXX {$9.00} was processed via debit card at XXXX which left me with a balance of {$5.00} I got the notification that my balance was below the {$10.00} amount. 

Several hours later Transaction # 2 hit my account via debit card from XXXX for the amount of {$89.00} which turned my account into a negative balance of - {$83.00} which would prompt an overdraft fee, no hands down. But I get two overdraft fees, one for each transaction. So I called CHASE to figure this mess out and they tell me they decided to process Transaction # 2 before Transaction # 1 which allowed them to charge me two overdraft fees, this by no means is not fair business and should be against the law for a bank to alter the books to gain a profit. 

This is fraud and theft
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022, I purchased two pairs of eyeglasses from XXXX XXXX XXXX XXXX in XXXX XXXX for {$370.00}. The salesclerk did not itemize each pair, which I thought was deceptive, but I didnt say anything at that time. 

Weeks went by and I hadnt heard from the salesclerk and that was because she was calling my home phone that was not working properly. I really never understood why she did not try by cell phone or send me an email. When XXXX XXXX sent me a bill in XXXX, I called them and informed them that the salesclerk never called me ; I never picked up those eyeglasses. So, they began a dispute investigation, so I thought. 

Several days later XXXX notified me about setting the reset button on the back of the phone and there were all of my messages for the past month. So, I called XXXX XXXX and told them the salesclerk had called me, but I no longer wanted the glasses. The representative told me to go to the XXXX XXXX and ask for a credit. 

I went to the store on XX/XX/2022, and told the same salesclerk that I needed a credit because I no longer want the eyeglasses. She told me XXXX XXXX return policy exclusions on custom made eye wear was for a XXXX period for a full refund. I asked her why she waited until now to tell me this. She said because no one ever says they dont want their glasses. She then gave me the pamphlet concerning the refund policies. I became upset and told her I did not want those glasses and left. 

On XX/XX/2022, I mailed a certified letter to XXXX XXXX ( it was delivered on XX/XX/2022, at XXXX ) telling them I did not pick up those glasses because of the salesclerks attitude and the fact that she neglected to tell me about the return policy at the time of purchase. So, XXXX XXXX sent me a bill requesting payment for those glasses. I refuse to pay for something I dont have, especially when the purchase was made under deceitful conditions. They have yet to responed to my complaint. 

I have 4 credit cards with this bank and every last one of these cards has given me problems with merchants making erroneous charges and the bank takes an excessive amount of time to complete their investigations.
Consumer complaint received 2022-08-17
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)

I am a natural person, I am a living human being, I have rights under 15U.S.C. 1681.

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : i have the right to privacy and i did not give Equifax written permission to furnish these accounts : XXXX. XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXXXXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX XXXX XXXX
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

In early XX/XX/2019, I was targeted for a promotion [ Citibank promotion #  XXXX ] to open a Citibank checking account and receive XXXX American Airlines Advantage miles after specific qualifying activity. I received a welcome email from Citibank and instructions to complete this activity, which is attached. 

After having completed all required activity on XX/XX/2019, I waited to see that these bonus miles were credited to my American Advantage account. When I did not see them, I contacted Citibank at telephone number XXXX, on XX/XX/2019 and an inquiry was started on my behalf from which I received reference number # XXXX. On XX/XX/2019, I received the attached letter from Citibank stating that my account had met the necessary requirements, but that I would need to wait until 90 days from the date of the qualifying transactions. Termination of 90 days from qualifying activity occurred on XX/XX/2019. 

On XX/XX/2019, I again contacted Citibank to inquire about these bonus miles. After having been on the phone more than five hours and having been transferred to no less than six different representatives [ originally spoke with XXXX, was transferred to XXXX and then transferred to XXXX. XXXX was the Citibank Costco representative and he transferred my call, but the call was dropped. I called back and spoke to XXXX who transferred me to XXXX, who transferred me to XXXX. All these notes appear on the second copy of the XX/XX/2019 letter received from Citibank. ] I was told the miles should post to my account by on XX/XX/2019, but no later than XX/XX/2019. 

Today, XX/XX/2019, I again contacted Citibank to inquire about these missing bonus miles. After more than one hour and speaking to at least two representatives, I was told a new internal investigation was required, but she would ask that the miles be expedited. In her words, hopefully the miles should post within 7-10 days. My new reference number is # XXXX. 

I have spent more than 10 hours on the phone with Citibank, contacted them via XXXX and nothing has been resolved. This has been a very frustrating experience and has left me feeling that they offered a fraudulent enticement in order to expand their customer base.
Consumer complaint received 2022-06-25
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: GOLDMAN SACHS BANK USA (FL)

XXXX has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. XXXX has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.