davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. 
I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC (CA)

I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (PA)

My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

They have posted credit to my account that was owed to me then they reverse the credit back. They have sold this car off. I asked them to fix the car, but they did not fix the car. I asked to replace the car and they did not want to replace the car either. I had to go get me a car from somewhere else. They took forever to even come and get the car. I have been calling them for a year and they were important that extra time on my credit. This has an effect on me because Im a XXXX XXXX XXXXr And they decreasing my score and Im trying to get a house for me and my child. I have other accounts with them that is in good standing, and I have paid them off and then they are constantly reporting it and knocking my score down the count is illegally been reported because you can not close an account And then still report a balance on there and also you can not use the same count as a Charge Off and still go back and constantly reported more than one time is still a constant report on my credit and every time they put that report on there, it affects me. They also was a recall on the XXXX and theyve been trying to get me to trade it in. They changed it for Charge Off to close to a balance to open to close and they just constantly report for no reason and then what they were reporting is not right how can you reverse something that Im clearly entitled to a touchdown to the bottom. They already got their money off of it, and they already found it on their taxes.
Consumer complaint received 2015-10-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC (IN)

On XXXX XXXX, 2015 XXXX XXXX from Warner Asset Location Services started calling my home number, my parents home and my husbands phone. He is looking for XXXX XXXX and he asked us to relay a message. I asked him on XXXX XXXX, 2015 to stop calling my number harassing me about someone else 's debt because I do n't relay messages. He called again on XXXX XXXX, 2015 and left another message about the same person 's debt. It is pure harassment at this point.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CO)

I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.
Consumer complaint received 2015-06-20
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: M & S FUNDING, INC. (CO)

the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.
Consumer complaint received 2015-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OK)

Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them. 

Experian Has yet to respond to anything I send, nor even to the CFPB.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I opened a new checking account with Citizens bank. XXXX XXXX agon on XX/XX/year>. My direct deposit goes in. Tomorrow. I wasnt able to log in to online banking so I called. The company closed my account with no notice.
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????
Consumer complaint received 2015-11-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (CA)

I have a PayPal account with a balance of {$5400.00}. In XX/XX/XXXX, PayPal notified me that my account was suspended but without any explanation for why. I tried contacting them several times, by email & online forms, and have never received a personalized reply. I just get very generic emails that my " appeal has been denied '' but again, zero specifics as to why my account has been limited. The messages on their website are very circuitous and Kafkaesque. When I log in, I see messages like " We would like to learn more about some of your recent transactions '' however there is no way to provide such information, they do not specify which transaction is at issue, and they do not have a phone number. I very much need to get the cash OUT of this account and PayPal has disabled withdrawals, I can not seem to access this money in any way. 

Of course, I have not used my PayPal account for anything fraudulent. I had been a PayPal user for probably 10 years until this happened. If you can please prevail upon PayPal to release my money I would be most appreciative. 

PayPal 's site also gives me a case number which has proved useless. 
" Your case ID for this reason is XXXX. " My PayPal account ID is my email address, " XXXXXXXXXXXX ''. 

( I am using the " Money Transfer '' form instead of the virtual currency form, per your web instructions. Therefore, my responses to the other items below will not be quite applicable. )
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card with Captial One that I failed to pay the balance on. I originally defaulted on it XX/XX/XXXX. I made no payments on the account until XX/XX/XXXX. I paid XXXX dollars on a XXXX dollar minimum balance. The account was never brought current. Capital One shows my date of original delinquency to be XX/XX/XXXX when it should be XXXX of XXXX. I have called and spoke to several representatives about this. I was told today that they re-aged my account when I paid the XX/XX/XXXX payment of XXXX dollars. They did not have my permission to do so, nor did we set up any kind of payment plan or agreement. When I asked them why they re-aged the account, I was told that although they could see the payment history they had no notes about why the account was re-aged. I am requesting that they change the date of original delinquency back to XX/XX/XXXX which means it should have fallen off of my credit report last month.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc. (CA)

This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same.
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (SC)

I was in the process of refinancing the mortgage on my home when my mortgage XXXX informed that a second mortgage on my property was being reported and is hampering my refinance process. I was not aware of any second mortgage, nor did I apply for XXXX. XXXX showed that a loan that I recently took out with Best Egg is being reported as XXXX XXXX XXXX or a second mortgage. When I applied for this loan online, I opted for the " secured '' loan as it has lower monthly payments and because the website and loan agreement state that XXXX XXXX XXXX security interest is in all " fixtures '' attached to the property and not the property itself. According to the Best Egg website and loan agreement, the XXXX covers the fixtures attached to the property and nothing else. If this loan is being reported as a second mortgage, then it is the result of XXXX XXXX XXXX misleading verbiage and wording on their website and in their loan agreement. My mortgage XXXX asked that I call Best Egg to resolve the matter, correct the credit reporting, and request that Best Egg " subordinate '' their lien in order for me to complete my mortgage refinance. When I reached out to Best Egg, they refused, saying the only way to " remove '' the XXXX is to pay it in full. I responded that I was not requesting to remove the lien ; only to subordinate it in order for me to complete the refinance. Of course, I was informed that Best Egg does not subordinate. I informed them that had I known that their secured option loan would be reported as a second mortgage on my property, I would have chosen the unsecured option. In fact, after learning how this is reported on my credit, I requested to change my loan to unsecured, to which they refused. I also informed them that the wording on their website and loan agreement regarding what secures the loan is very misleading and even predatory in nature, given their refusal to make any allowances.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Subject : Request to Remove Unauthorized Hard Inquiry Dear [ BECU Customer Service/Specific Contact Name ], My name is XXXX XXXX XXXX and I am writing to address an issue regarding my credit report. I have been a member of BECU for the past two years, during which I have been diligently working to build my credit. I am a full-time XXXX XXXX  and also work part-time at a XXXX XXXX to support my family, which includes my wife and child. 

Last year, I applied for a secured credit card with a deposit of {$2000.00}. Recently, I visited the bank to discuss the possibility of retrieving my security deposit, as I was informed that my credit had improved. However, during this conversation, a new credit card was applied for without my knowledge or consent, resulting in a hard inquiry on my credit report dated XX/XX/XXXX. 

I did not authorize this application, and I would like to formally request that this hard inquiry be removed from my credit report. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to your prompt response. 

Best regards, XXXX XXXX Mobile : XXXX [ BECU-