davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA (PA)

XX/XX/XXXX approximately XXXX in the day, sitting in front of my private property was my XXXX  XXXX XXXX Kia XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX and HYUNDAI LEASE TITILING TRUST, XXXX XXXX unlawfully stole my private family travel conveyance without proper notice. Pursuant to lease agreement between said parties, if a default is inquired repossession of the vehicle without prior demand, unless otherwise required by the law. Pursuant to Pennsylvania U.S.C. Title 12 ; which was sated verbally XX/XX/XXXX XXXX to a XXXX on a recorded line to KIA MOTORS FINANCE, I also requested to speak to a supervisor, which their policy states has a XXXX hours to return a call and it took XXXX hours to call me back on XXXX  the XXXX of XXXX and I talked to XXXX and she declined any information I requested besides a redemption process in which was she also stated I request the title and pay off remaining amount to the dealer ( XXXX KIA XXXX where I purchased my private family travel conveyance and send them the remaining balance which was not disclosed in the lease agreement nor was provided upon request. XX/XX/XXXX I sent a notice to set off was sent and received by Recipients and no response was given, XX/XX/XXXX again Notice for opportunity to cure was sent and received no response given. And XX/XX/XXXX XXXX KIA responded declining my payment and sent a letter stating they are no longer the holder of the title and to take matters up with HYUNDAI LEASE TITILING TRUST. I have also included case law the supports my statements. I also have complained to the XXXX.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma (CA)

I was told in last complaint that credit karma sent me a digital card for XXXX $ via email and that was untrue I never received any email with any sort of digital payment I save all my emails in case for years I pay for extra storage on my XXXX and XXXX drives to save stuff like this just in case. I find it odd I have all emails for that date from all inboxes ( spam, trash, etc ) but yet I do g have that XXXX email tons of junk e-mail but not that one- they lied payment was never sent they lied to get the case closed- so I open another one. Yet they never offered a way to get another just in case email failed to go through or whatever. Especially since I have been emailing support and asking if there are updates and no one has gotten back to me.. Ive emailed several times since XX/XX/23 and I always cc myself I have those emails just not the one you said you sent- because Im my opinion you did t send it, if you did why didnt someone respond to my emails already saying payment was made??? Because it was not. I wont go away
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CT)

I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed by XXXX on XX/XX/. I supposed to purchase a XXXX  puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX  ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXX XXXX  to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of Pet Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX belongs to XXXX XXXXXXXX XXXX XXXX XXXX. 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of XXXX
Consumer complaint received 2019-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

My house was rushed into foreclosure ending with predatory leaning for the ages. I lost my house and the XXXX of equity that I had build up. I only owed XXXX. 
I was taken advantage of. 
The courts were manipulated. 
Justice was not served.
Consumer complaint received 2023-09-07
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: WELLS FARGO & COMPANY (FL)

WellsFargo has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except XXXX. As of XXXX, XXXX, both XXXX and WellsFargo, reposted the information as updated on my credit file. XXXX has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after thirty days. 
Per XXXX, on my call today, they are rereporting because XXXX has not given them permission to delete the information.
Consumer complaint received 2023-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Instant Loans, Inc (TX)

Follow up to COMPLAINT ID : XXXX My situation started after I reached out to XXXX XXXX who is a mortgage loan broker with Assurloans. He asked for all my required documents after my application was submitted. He received all the required documents within 24 hours of his request. The cash out number was over XXXX on the first loan estimate. XXXX waited a week before he locked the rate. He is supposed to do it within 3 days once the application is submitted & the supporting documents are received. XXXX then said I didn't get my documents in on time which I knew was not true. It was a lie on XXXX 's part. Everything seemed odd on the revised loan estimate. I got around XXXX on the new loan estimate. I wondered where the discrepancy came from. I didn't know until i spoke to the supervisor ( XXXX XXXX ) who confirmed that XXXX waited a week to lock the rate after he received everything that was required for my file. Rates fluctuated upward and it ended up costing me a couple XXXX dollars. Assurloans increased their origination fee on the 2nd loan estimate, I was charged points & the initial lender credit was reduced. My cash out refinance loan wasn't as good as it was initially advertised. I spoke to XXXX, he gave me a XXXX bucks total which did not make me whole. I didn't want to miss out on the rate so I took the deal. I had other lenders who would have given me a better deal if the true rate & fees were advertised. I feel like it was pure deception on XXXX 's part. I tried to get XXXX to make things right. He was honest with me. He told me XXXX waiting to lock the rate costed me XXXX  & that his management does not care. XXXX violated multiple laws in relation to the statute 's & guidelines set under the Real Estate Settlement & Procedures Act & the Truth in Lending Act. The loan estimate must be sent within 3 business days. XXXX waited over a week. He did not sent out all of the required disclosures. Assurloans then increased their origination charge & charged points after the initial disclosure. This company should be fined & penalized to the fullest extent of the law. The employee has now been terminated by the company. I have text message confirmation from the owner of the company.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (FL)

Back in XX/XX/XXXX, XXXX installed an alarm for me. I was dissatisfy with the result and service and equipments were returned as instructed. They claimed the never receive it and demanded payments. Because I was going through so much with my husband who undergone a XXXX XXXX followed by a XXXX, I didn't follow through and allowed them to get payments. I was dealing with too much. XX/XX/XXXX, I received an email stating that there was a missed payment. It was because the card was lost and account had changed. I called and provided them a new card along with the balance which I will attach the email. I was told they will send me a paid receipt which I never received. Instead, they sold my account to a third party who placed the account for collection. And, they are asking for more than what the alarm original cost. Now, not only I never received the service from XXXX, returned their equipment, paid them in full. Now, they got money from another company and allow them to come after me for the full amount again. That's in sane.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

i have been patiently waiting for the documents that i requested regarding account XXXX that is reporting to experian inaccurate, but ally bank XXXX federal bank like to violate the fair credit reporting act and the fair credit billing act. I have contacted them by mail on XXXX XXXX 2023 I am yet to hear from them they just blew me off.the documents i geve them show all inaccurate info relation to this inaccurate and unverifiable account.. i need them to provide all bill of sales from all parties involved, all purchase agreements between all banks involved. please help C.F.P.B
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 got approved for a Wells Fargo Cash Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo XXXX XXXX XXXX XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking XXXX XXXX XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX XXXX XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.
Consumer complaint received 2023-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc. (MN)

I received a demand letter for a payment for a medial expense that I paid. I went into the portal, printed the documented payment and sent the payment information with a copy of the demand letter to the company. Months went by. I assumed all was taken care of until 8 days ago I was sent another letter which suggest that legal action could/would be taken. I called and was sent to someone other then the person on the letter. I was told to submit everything via email which I did as requested with an attachment of the paid invoice with a request that they confirm the receipt and the I told them if I did not hear from that the matter was cleared up I would file a complaint. 7 days later, I received a very odd phone call from them today, so I called back and was told about the dept and it needed to be paid. I was angered to say the least. I told him I sent documentation and he acted as if he received nothing. I pressed the issue and in a very unprofessional manner, XXXX hung up on me. This is the only recourse I have left.
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (NY)

I have been repeatedly contacted by PNC Bank regarding a payment that I allegedly owe them. I have never had an account with PNC Bank, nor have I even been to any of its branches. I've never used PNC or any of their financial services. Yet, they keep terrorizing me. Every time I received a call from them, I called them back, taking the time to alert them to the fact they have a wrong number on file and kindly requesting that they change it. I went through this process a handful of times - to no avail. Finally, yesterday, I was called by their collections department as I was getting ready for bed. Having a collections agent call you is never pleasant, but considering the above, the incident was outright insulting and heavily frustrating. I have demanded that they cease the phone calls immediately, but seeing how my previous requests had been thoroughly ignored, I see no choice but to report them to the CFPB.
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

I Received a Email through my phone that stated money was sent to a XXXX XXXX in the amount of $ XXXX/ $ XXXX/ {$500.00} onXX/XX/2019. using the cash app you have to put in a pin # if you accept or decline the transaction there was nothing thaasked me for a pin number for neither of the 3 transactions.  Also if that person is not a contact in your phone the app verifies that the person is not a contact ask if you are sure you want to proceed with this transaction .That never happened today. I tried contacting Square and had no success with them. Money was taken straight out of my checking account not off of the card. The normal process is it is taken off of the card not out of your account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I purchased a vehicle with US Auto Sales in XX/XX/2022. I received a letter from a company called Westlake Portfolio Management stating that I were to start paying them for the auto loan. Later I noticed that Westlake was placed on my credit making my score drop by about 60 points. The amount that was reported to the credit bureau is the same amount of the original loan with US Auto Sales. I was advised by Westlake that they didn't honor the extended warranty purchased with US Auto Sales. My car was repossessed on XXXX by Westlake who is not a lien holder on my vehicle.
Consumer complaint received 2019-05-16
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. (FL)

Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My brother passed away XX/XX/. I am the executor and sole heir. He had his house mortgaged with Select Portfolio Servicing. I contacted them for payoff on the loan. I wired the money from my bank. They sent a statement which I attached showing XXXX balance on the loan and {$620.00} in escrow. They released the Lien against the house. I contacted them wanting them to send the money in escrow for me to pay properly taxes. They claimed there was no money. Then they said I had to file a dispute, which went on for 60 days. Now they are saying the last payment they drafted from his account was denied for insufficient funds, so that was not included in the payoff amount. I paid what they said to pay and I think they owe me this money to pay for his property taxes, thats what it was for.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was advertised a Capital One Venture Card ( https : //www.capitalone.com/credit-cards/travel-and-miles/? external_id=WWW_XXXXX_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_c_Zg_ef6a76b9-eeef-4dc3-899d-afb032d36fcf_672112728137_667199 & target_id=kwd-26250507191 & oC=CO5ed2SUs1 & gad=1 & gclid=CjwKCAjw6eWnBhAKEiwADpnw9iOWxupBizkY46nBpVeuMe6drU7E6KGR5RC8twP_dO_8bFzG-k-sdxoCARUQAvD_BwE ) and the offer i received was for a 0 % APR introductory fee for the first ( 12 or 15 months I dont remember ). In XXXX I was approved for the card and began using it and making payments consistent with the 0 % APR perk in mind. I saw on XX/XX/XXXX I was assessed a interest charge of {$11.00}. I called up Capital One because I was shocked to see this interest charge. I spoke to some supervisors and they said that actually the card I had been approved for didn't have that feature even though the design is identical, the name is identical and is the same product. Totally evil and deceptive practice on behalf of Capital One. This company is totally predatory and targets the poorest people in society with these rotten deals, they are sick!