davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (PA)

I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Upon reviewing my credit, Experian is reporting a late payment on XXXX for XXXX XXXX this is reporting inaccurate as I have never been late and am asking Experian to provide documentation. If this can not be provided please update to on-time
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX,2017 I went to XXXX XXXX XXXX to pay my monthly bill of {$170.00}. Once inside, the man had trouble processing my debit card. On the 3rd try, it finally went thru. I then went to XXXX to buy groceries for supper and my card was declined. Needless to say i was ticked because i knew i had available funds in my account. Then it occurred to me that the monthly fee at the storage facility might have hit my account 3 times.I went home, got online and printed a transaction report which indeed did show that Wells Fargo hit my account 3 times for the {$170.00}, an overcharge of {$340.00}, and a negative balance of {$110.00}. I went back to XXXX XXXX XXXX and explained what had happened. He checked their computer records and it showed that they had only received the one payment. We then got on the phone calling the customer service telephone number on the back of my debit card. After waiting some length of time and repeating my information 3 times, I finally was able to speak to someone in the claims dept. He checked my account and also saw the 2 additional charges of {$170.00} each. He said that he would have it credited to my account in about an hour. Thank you, this happened.
Yesterday I received an email from Wells Fargo that my account had reached a XXXX balance or less. I checked my online statement and they had reversed the credit of {$340.00}, giving me a negative balance of {$290.00}. My online statement only showed the one charge of {$170.00} and a credit of {$340.00}, thus, they reversed the credit. The guy in the claims dept. saw the overcharges in XX/XX/XXXX. If he did n't, why would he give me the credit in the first place.
I called the Wells Fargo customer service line and received the same answer over and over that only one charge of {$170.00} and the credit were shown. That 's not what happened.I was speaking to an argumentative and deaf ear! I then went to the XXXX XXXX XXXX branch of Wells Fargo and spoke with a banker who gave me the same answer. It did n't matter that I showed her the transaction report that she never looked at lying on her desk. Another deaf ear. I guess she was n't too concerned since it was n't her money.I am on Social Security and this {$340.00} is 1/3 of my monthly income. I guess " Customer Service '' is truly dead. Computers are only as good as the people who use them and the software they are using. Mistakes happen and this is one of them! It may not have posted on your end, but it sure posted and deducted on my end! I have never had to deal with an issue like this in the many years I have been with Wells Fargo/Wachovia and treated with such indifference. Maybe time for a change!
Consumer complaint received 2017-10-26
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. (TX)

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Consumer complaint received 2017-10-26
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. (TX)

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC (OH)

I was contacted by a debt collector on my personal phone while at work. He was attempting to collect a debt as a third party. I told him over the phone that this debt has been in dispute for some time now. He asked me if I wanted to resolve this voluntarily and if i did not that this would go on my credit. I have submitted an email to the company and have submitted in formal writing that I am disputing the debt entirely. Furthermore I was never advised of the debt transfer to a third party from the original party who was involved. I was completely blindside by a collections call.
Consumer complaint received 2017-10-26
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. (MA)

Requested XXXX, Experian and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX  )
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Requested XXXX, XXXX and TransUnion multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX  )
Consumer complaint received 2017-10-26
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)

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old.  the original deliquency date was somehow removed in XXXX which is now show XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Consumer complaint received 2017-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (WA)

PNC ( subordinate lien ) is countering the short sale to receive a full pay off based on exterior only value of the property. They are going off of a drive-by BPO value ( {$430000.00} ) which can back completely out of range of true fair market value. It is common knowledge that a drive-by BPO does not property asses the property value because interior defects are not taken into consideration. The first lien is being paid off in full and we are offering PNC a handsome net of {$70000.00} which they are denying because they are refusing to order an interior BPO to get true property value. Even with supporting documentation to support our offer amount of {$33000.00}.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

I have a American Express Prepaid Card. On Monday, XX/XX/XXXX, I received an email from American Express that as of XXXX XXXX they were ending the American Express Prepaid Cards and that to have all monies used up by XXXX or they will send the balance to you in a check. I am fine with that part, however, they ended direct deposits to the Prepaid Cards, immediately. That is where I have the complaint. My direct deposit was set to deposit on the card on Tuesday, XXXX XXXX. It took me XXXX days to find out where my direct deposit was. It would seem like to me American Express would give you time to close out your direct deposit and setup up another direct deposit somewhere else. They did not to do that. This should not be allowed under the law.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.
Consumer complaint received 2017-10-26
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. (WI)

There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please
Consumer complaint received 2017-10-26
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)

Transunion is using the term investigate but fail to provide their procedures of investigation. You clearly stated that you open up a dispute and give the reporter/creditor a chance to respond with the same information that was submitted initially to put the debt on my credit is NOT an investigation. I requested and affidavit by a representative of the court, for you TRANSUNION to provide the investigation report that was used to validate the debt that is staying on the credit report since you are the liable reporter/gatekeeper. Again, please state what information is requested from the creditor to validate the debt for you to classify and use the word investigation. Do we need to handle this in XXXX court?
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (CA)

I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian has a phone loop AND a website loop that you can not get out of when the credit information that they have on you is incorrect. There is no way to contact actual intelligence ( a Human ) when you have a problem that their computer cant solve for you. I know my own SS # and Date of Birth, but according to Experian, that information is incorrect. I just need to reset my account and password.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a car using XXXX XXXX on XXXX/XXXX/XXXX and I had a wreck where my car was totaled and my GAP insurance paid this car off in XXXX.
Consumer complaint received 2018-01-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The J. G. Wentworth Company (FL)

This is a response to what is happening with my previous complaints about JG Wentworth. 
On XX/XX/XXXX after XXXX hr XXXX min on hold we finally got a JG Wentworth representative. We were told our Cap and Extend was denied and were pressured to do a regular loan modification. We told her we were in a Federal Disaster Area and were eligible for the Cap and Trade that they told us they would process in XXXX We asked for a manager. We were transferred to employee # XXXX and she also told us we were denied for the Cap and Extend, but eligible for a reg. mod. We told her no We were eligible for a cap and extend and were in a Federal Disaster Area. She told me that she had to tell us that. She then looked into my file and said that '' the system does not actually show a denial '' and called it XXXX XXXX going on here. Then, I also told her that there was a charge for an inspection on my bill, which XXXX XXXX was supposed to pay. She agreed and said it was not supposed to be there. She said she would take care of it. She took my regular payment for the month of XXXX ( confirmation # XXXX ) and that she was putting in our request for Cap and Extend again as a priority. A person from the refinance dept. was supposed to call me back in the next 24 hours. NO ONE HAS CONTACTED ME. They have sent me several online correspondence since XX/XX/XXXX that they are foreclosing on me, even though I made my XXXX payment like I was supposed to for the Cap and Extend. They are attempting to illegally steal my house and get my {$150000.00} in equity. This is overt FRAUD and misleading tactics. They are taking advantage of hundreds of thousands of people affected by natural disasters in FL, TX and CA by telling them they were denied for Cap and Extend even though they really did n't process it. In a regular loan modification, they can raise our interest rate and this is negatively affecting my credit score which was really high. They are not answering their calls or emails. The Federal Government needs to fine and prosecute XXXX XXXX.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.