davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: VYSTAR CREDIT UNION (FL)

I am Having an issue with Vystar credit union, I had went into the bank and had my account setup to send money to my savings with an external automatic transfer every month so that my savings account would pay my credit card bill automatically and in the process my account which has always paid my balance in full was hit with my card having a XXXX dollar balance which for having every payment on time for the last few years of the account had dropped my credit score from a XXXX to a XXXX after putting a late payment on my record. This is my first late payment and the problem was with the automatic billing but I do take responsibility for the problem as I didn't check in on the account until it was too late. I was looking for forgiveness on my credit score.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC (NJ)

This company erroneously charged me {$1500.00} for an XXXX. In the medical office, the staff told me that the total out of pocket cost for the XXXX would be {$400.00} and that I would not have to pay anything else. Soon afterwards, the medical office sent me a bill for {$1500.00} saying that I owed them additional monies. If I knew the total out of pocket cost for this elective test was close to {$2000.00} - I would not have agreed to do it. The company was very deceptive and baited me to pay {$400.00} in the office and then charged me {$1500.00} afterwards. I spoke with someone at the office and they agreed to remove this charge but then when it got escalated to management, they would not remove.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a bank account and credit card with USAA. They told me the best to do is tie my credit card to bank account for overdraft protection. I agreed. Over 12 months ago my automatic insurance payment caused my back account to overdraw. The bank transferred {$100.00} from my credit card to my bank account as overdraft protection. Now for over 12 months I have been paying interest on that {$100.00} as they claim it as cash advance. Over {$400.00} in interest for {$100.00}. Misleading initial overdraft details and over {$400.00} in interest for {$100.00}. Total sham. I spoke with the bank and got no where.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

After 3 weeks of attempting to get a Payoff Statement, I paid my XX/XX/XXXX mortgage payment via electronic payment of {$17000.00} to Dovenmuehle Mortgage on XX/XX/XXXX with a memo {$40.00} interest {$17000.00} principal. I had thought they would send me any balance owed on my next/final statement. 

When I checked to see my mortgage balance on the following day Dovenmuehle Mortgage rejected the payment for not following proper payoff procedures. 

On Thursday XX/XX/XXXX ( XXXX EDT ), I contacted customer service and was told my payment would be returned electronically on Friday XX/XX/XXXX ( XXXX EDT ). I didnt receive it and called customer service who researched it and said there is a delay because of the clearinghouse so my payment would be in my bank on Monday XX/XX/XXXX. 

Funds were still not received on Monday XX/XX/XXXX ( XXXX EDT ), I contacted them again and was told my payment would be returned by end of business day Tuesday XX/XX/XXXX. 

I still have not received the funds. Please help in having my {$17000.00} returned.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ZIONS BANCORPORATION (CA)

I wrote a check on our small business account with California Bank and Trust in the amount of {$8400.00} on XX/XX/2021. The check was stolen from the XXXX mailbox and a false payee, " XXXX XXXX '' was added to the payee line. We learned later that XXXX XXXX cashed this check. The theft was reported to California Bank & Trust, the local XXXX XXXX XXXX XXXX Department and the XXXX. We have repeatedly asked Cal Bank & Trust to restore the stolen money to our account, but they repeatedly answer that it is up to XXXX XXXX to reimburse this money. Since California Bank & Trust is ultimately responsible for the integrity of our checking account, we believe that Cal Bank should replace this money in our account immediately, whether or not they collect from XXXX XXXX.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation (GA)

Account was added to my collections account XXXX XXXX and XXXX. XXXXXXXX XXXX  total amount {$550.00} opening date XX/XX/2020. Ive never received documentation or bills from this insurance carrier. I made initiative to call and very collections and when was their an option to settle or dispute, no results no options given.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I purchased the XXXX XXXX XXXX in XX/XX/XXXX for my ex-husband. In XXXX we separated and he could no longer pay we called for the vehicle to be picked up and it was repossessed in XX/XX/XXXX. At the time I owed just over {$13000.00}. In XXXX XXXX XXXX reached out to me and said I owed over {$30000.00} they said they could charge interest continuously even though they had already had a car and even though they had sold it to someone else. Towards the end of XXXX I obtain an attorney regarding this matter well in XX/XX/XXXX I was diagnosed with XXXX and I took a leave from work so I was no longer able to pay the attorney and not working so in XX/XX/XXXX XXXX XXXX obtained a judgment against me because I could not make it to court. I just return to work XX/XX/XXXX and yesterday I received a letter stating they I tried to garnish my wages now for an additional {$11000.00} interest so now they want over {$41000.00}! I cant understand why interest is continuing to accrue when theyve had the car back since XXXX and sold it to someone else actually. I also was never even credited for that sale These are unfair practices by XXXX XXXX
Consumer complaint received 2019-12-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (TX)

XXXX XXXX accessed my credit report on XX/XX/2017 without permissible permission which then led to a fraudulent loan. Attached is the incomplete application that XXXX XXXX XXXX XXXX sent me. It was completed on XX/XX/2017, one day after credit was pulled. In addition, the application was incomplete and as stated at top of application was not to be processed. The person, XXXX XXXX aka XXXX XXXX is listed on application and is a known felon. See attached convictions and felony arrests that include forgery to purchase cars, false pretenses, impersonation, and credit card abuse. She was also stealing out of my rural mailbox. Together Credit Union financed one car but dropped their claim due to fraud long ago. XXXX XXXX credit report reflected XXXX and the application they sent was dated XXXX However XXXX XXXX XXXX XXXX refuses to drop claim and requests information should have been stated on sheriff 's report that makes it impossible.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022, I visited a local dealership to make a purchase. After getting the vehicle information. I submitted an application with Navy Federal Credit Union for an auto Loan. I was declined twice. I called into see why I was declined and was told a letter would be sent out. 

After reviewing this letter, I believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I feel like I dont want to apply for any more credit. I am losing faith in this banking system and I am considering taking my money out of the bank.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (NY)

I rented a car from XXXX XXXX XXXX in XX/XX/XXXX. I returned the car on XX/XX/XXXX and went over it with the agent at the airport and everything was fine and he gave me my receipt- there was no damage to the car. About a week later I received an email from XXXX asking me to file a damage report because there was damage to the car. I filled out the report stating that there was absolutely no damage to the car upon returning it. A few months later I received a bill for over {$800.00} for repairs. I emailed and called XXXX with no resolution. I asked for time stamped photos as well as where the car was from the time I dropped it off until they claimed there was damage and they refused to provide the information. They did send me a photo of a scratch on the car and then a bill for XXXX hours of labor and glass repair!!! Today I received a notice that they turned me in to collections for not paying their bill. The collections agency keeps calling me demanding payment. I explained that I was not paying because I did not damage the car. After searching the internet, I found that there is a class action lawsuit against XXXX for fraudulent damage claims as well as hundreds and hundreds of complaints from other consumers that have had the same type of fraud and sent to collections. I have attempted multiple times to contact XXXX XX/XX/XXXX claim department and I can not get a human. It is obvious that this is a common fraud scam by this company and now it has impacted my credit report.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MO)

On Wednesday, XX/XX/XXXX, I contacted someone through XXXX about XXXX basketball tickets, 4 for {$200.00}. Somehow money was taken out of my Chase bank account through XXXX and sent to this person. Then, I never received tickets.
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union (CA)

I requested a 1099 C from this company since they have written and charged off the Account.

Account charged off. {$9900.00} written off. {$9800.00} past due as of XX/XX/scrub>XXXX XXXX
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 at around XXXX XXXX Central, I went to BoA ATM at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX to deposit cash { {$7500.00} }. ATM after taking my card and cash { 75 {$100.00} bills }, returned 9 {$100.00} bills after 2 3 minutes and thereafter machine went un-responsive. Then machine re-started and in process I lost my {$6600.00} and Debit Card. I saw one BoA employee coming out of bank and asked for her help. She expressed her un-ability and asked me to call at number on ATM machine and come to branch next day. I called BoA support and after delay of 4 5 min, BoA agent started helping. He asked me location of the BoA ATM. I told him that I have ATM ID but he was keen on getting the physical location of Bank. I dont understood why BoA doesnt have address on ATM machines when agents are expecting address rather than having ATM ID. Somehow, we got the location of the ATM by sharing the street address and near by landmarks. Then, I narrated the whole incident to agent and was assured that required complaints for missing cash and new card are logged. After that when I reached home, I saw a request for new Debit card but saw nothing in BoA application with respect to lost cash. I thought system might take sometime and by next day morning, I will see something. 

Now, on XXXX I didnt saw any claim # for missing cash and as advised by BoA employee, I went to bank for help { Till now there is no claim # in BoA application }. The BoA employee on floor who was attending to customers told me that nothing could be done from branch and everything will be done via call. Again, I dont understand that why BoA employee on XXXX asked me to visit branch when everything will be done with phone calls only. Since then my apathy continues. There is no communication from BoA on what is happening on the money taken by machine and I am being told to wait for 10 Business day.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion XXXX TransUnion and XXXX XXXX XXXX has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit report that in error. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed this complaint because after several attempts of writing letters to the creditors, I receive no response. I have been sending letters for months now and I have repeated myself over and over again. I need this taken care of IMMEDIATELY and I will do anything to get this issue resolved. The following accounts are not my responsibility : 1. ) XXXX XXXXXXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX  XXXX XXXX XXXX TX XXXX 4. ) XXXX XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX 6. ) XXXX XXXX I have never had an account with either of these companies and they have failed to validate this debt in accordance with FDCPA. I am requesting that the items be deleted from my credit report immediately in accordance with the FCRA.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

I am unable to obtain my free credit report or even a paid report because the online authentication fails with my correct information entered.Their website then tells me to call a certain number, during a certain time, but it is all automated. I go through the call menu options and it eventually just hangs up on me after the automated messages. I cannot get a live agent on the phone to help me get the information I need.I also am unable to complete disputes online, credit alerts, credit freeze due to your failure of a website!I've sent the company emails and am still unable to get a response!!!
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (OH)

I refinanced my car with XXXX XXXX Credit Union on XXXX. They sent a check to Hyundai Motor Finance to pay off my loan and the check was cashed on XXXX. XXXX claims that they can not locate the payment made and that there is nothing they can do. 

I have contact Hyundai four times since XXXX to get the issue resolved. 

Today was my fourth attempt to resolve this with XXXX and I was on the phone for over forty minutes and was still told there was nothing they can do.

This check was over nighted to Hyundai and cashed, it had all the proper documentation and was for the final pay off amount of {$13000.00}. 

I have my new payment set to come out of my account on XXXX. I also have a payment with Hyundai still set to come out on the same date. That will be over {$800.00}. If I remove my payments with Hyundai I will have negative marks on my credit report but, if I don't pay on my due date, they will take out a payment that is not owed.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (MA)

Thank You, The company in question is Experian. I have nearly a 100 point difference in credit score due to their faulty standards. My XXXX score is XXXX while the Experian sits at XXXX. It is a XXXX shoot which company providing credit uses as to whether I am approved or not! The biggest problem is an item named XXXX. This is NOT my account! It clearly states date opened of XXXX 2020. If you review my accounts, it is NOT there! I have not missed ANY payments in 5 years! As you will see all say exceptional! It is {$490.00} from XX/XX/2020. NOT MINE! acct number XXXXxxx of which experian has the rest! I have tried to challenge it on the web, to no avail! I then called, waited nearly 15 minutes, was told I would be transferred, then HUNG UP ON! This is INSANITY! I don't have this problem with XXXX or XXXX! How can you have a credit score of XXXX and NO late payments for 5 years???? Both XXXX and XXXX are far and above very much higher!!! As you will plainly see, all accounts showing as of the last five years show exceptional!