davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for a Used Car Loan at Navy Federal Credit Union. The loan was for {$21000.00} at an interest rate of 10.49 %. The loan was approved and I was issued a check to make the purchase. I purchased the car, a   XXXX   XXXX   XXXX  , from   XXXX   XXXX   XXXX  , for the sum of {$21000.00} and paid with the Navy Federal Check I was provided by the Bank.
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The   XXXX   XXXX   began to develop problems and I returned the vehicle to the Dealer who attempted to fix the vehicle. The problem persisted and I returned the car back to the Dealer who offered to exchange the car with another car. I accepted the offer.
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I informed Navy Federal and because of the exchange Navy Federal now wants to increase the interest rate on the transaction even though the transaction had been completed between Navy Federal and myself. Further, the exchange was by the dealer for another car.
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Navy Federal can not change the terms of a deal after the deal had been consummated between myself and the bank.
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The breakdown of the Navy Federal loan is as follows : Loan - {$21000.00} ( Check Amount ) Loan Protection Plan - {$190.00} ( Added to the check amount ) Total Shown on Contract - {$21000.00} I have made payments on the loan as I agreed to and the Bank continues to accept my payment.
Consumer complaint received 2024-10-10
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

After closing my cable account with  XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX. On XX/XX/XXXX I received a notice of eviction. On XX/XX/XXXX I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property upon termination date of my lease. On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX.

The creditor is accessing me an early termination fee and various other charges under the lease. I have disputed the validity of these charges with the collection agency and the creditor. I have requested copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter.

OnXX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''.
Consumer complaint received 2018-04-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BMW Financial Services NA, LLC (MN)

BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (NY)

I purchased a temporar y card at Kroger  on  XXXX / XXXX / 17 , paying {$20.00} plus a {$3.00} fee in cash. I attempted to register the card and obtain a permanent card. Their w ebsite was unable to verify my information on two separate occassions even though I correctly answered four questions identity verification questions. Their automated phone system was not working. Their only alte rnative was to fax or mail my social security card and passport information. I am not willing to do that. I asked for my {$23.00} to be refunded. They only offered to refund the {$20.00}. I told them that was not acceptable, I expected my full purchase price to be refunded.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
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I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
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I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
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Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase Slate Balance Transfer Card in perhaps XXXX XXXX XXXX. I have had a Chase British Airways Visa, at this same address, for  thereabouts decade now. I regularly received pre-approved promotions for Chase Slate balance transfer card. <P/>I chose to apply for this card. I received a letter from Chase stating my application was on hold, they asking me to provide proof of my address. <P/>I sent them a letter via Certified mail including copies of my professional ( XXXX ) license, as well as a copy of my XXXX XXXX XXXX phone bill. I mailed this to Chase at the address I was directed to return it to on XX/XX/XXXX of this year. I have still not heard an answer from Chase. <P/>I have 'A '' credit. Again Chase regularly mails me pre-approved applications for this card. While there are many such 'no interest balance transfer ' devices, I chose Chase because I already have had an account with Chase , st this same address, for many years. <P/>At this point, I have 'a ' incurred additional interest expenses I should not have occurred. 'B ' As Chase has done a hard query on my credit my FICO score went down XXXX points so any other such device I apply for, I may not get as high an approved balance transfer as I had applied for with Chase. <P/>I have photocopies copies of ll correspondence, documents and certified mail receipts to prove every word above. I have been unable to get a response from Chase. I have incurred several hundred dollars in unnecessary interest charges due to this intransigence on their part.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (NE)

On XX/XX/XXXX XXXX called from FMR or Forward Movement Recovery and left a message about location and tracing. If I did n't call back they would call all references. I called back XXXX ext XXXX. XXXX  stated the loan was taken out XX/XX/XXXX and listed XXXX XXXX. My XXXX XXXX account was closed in XX/XX/XXXX-XX/XX/XXXX. I asked if he could send me the original contract which he said no. I then asked him to tell me what the expiration date on my driver license was since he said he had a copy. Once again was told no. So I contacted XXXX XXXX XXXX at XXXX. They stated their systems go back to XX/XX/XXXX and could n't locate me in their system. So I called back FMR and stated that the original debtor does n't have me in their system. He said that they broke the law by telling me that which is odd since that 's who I owe the money to supposedly and that he was just a mediator. They hung up on me and refused to give me any info.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

I went to   XXXX   XXXX   XXXX   in  XXXX , on  XX/XX/XXXX , 2017. I was told that my procedure would cost {$4000.00}. I agreed and was told to open a care credit card. My limit was for   XXXX  . I was called on the phone by care credit stating that I had purchased a total of {$7500.00}, when I told them that I did not authorized that amount which was over my credit limit, they said that they will investigate. I went to the  XXXX  office and the receptionist said it was a lack of communication and that they will refund me that money. I got a letter from care credit 's saying that their investigation found that I still owe {$7500.00} and when I said how can you charge me over my credit with out my consent, they said your credit is {$8500.00}. I feel that they increased the amount to save their selves. I only have had   XXXX   XXXX   removed, I do n't want to go to that   XXXX   again and I will only pay for the work that was done.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days  XXXX , 30 days  XXXX ,  XXXX , 60 days  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MI)

My Credit Card numbers were hacked by someone presently unknown. The Staements alleges I am correct the items are fraudulent and have given me a " allegedly given me a statement that all the interim credits are now permanen as their fraud investigation department agrees with me! I spoke to a Discover yesterday who I was attempting toe informed what credits I have been given, and what not, she became beligeren and contrary to their prior ations and statements to me by other members of the fraud and security department Discover, refuses to even allow me to see my statement not have use of the money we both agree is properly in my account, available for my use, but this woman has arbitrarily denied me use of the money Disocver as part of my Credit Card, has set aside for my use, which is account, I my ability to have a card to access the funds has been removed by Discovery. Independently I have attempted to determine the person who has hacked the account, and want to work to help Discovery catch him -- but they refuse.
Consumer complaint received 2017-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BMO Bank, N.A. (NJ)

https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire  transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I am writing this statement today to complain of the poor service I re ceived from ProCollect  on several occasions. Today I called to speak with someone regarding my dispute and was directed to a  XXXX   XXXX   XXXX .  XXXX   XXXX  is everything but professional, being an employee includes being attentive to the customer issues and acknowledging them, this employee does otherwise.  XXXX   XXXX  is the most unprofessional employee that I have ever came by. Being belligerent for an unknown cause and not letting me state my reason for my call without getting interrupted. To my knowledge  XXXX   XXXX  is t he manager of her department ( dispute department ), to think a manager who is supposed to be someone that sets example in the work place hangs up in my face and shifts the blame on me, the customer, for her disgusting behavior is absurd! I will be sending in more letters and possibly taking this compan y to small claims court if there is no cooperation!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

Dear  Sir/Madam : On   XXXX   XXXX   2017, m y car was involved in an accident and declared a total loss. I was fully insured plus had GAP to cover any difference.  <P/> At the time the car was declared a total loss, I was approximately 30 days late with the monthly payment.  On   XXXX   XXXX   2017, Honda Financial received {$19000.00} directly from the insurance company. Although they received this payment, they continued to consider my account late. This is a payment that I had to authorize to go directly to Honda Financial.   <P/>  On   XXXX   XXXX   2017, Honda Financial received {$6800.00} from GAP ; however, they still refuse to make my account current and on XX/XX/XXXX ass essed a {$10.00} late fee.  <P/>  Honda Financial is due one more payment from the car dealership to return the cost of the extended warranties, which I was told should be received by Honda Financial on or before   XXXX   XXXX   2017.   <P/> While I totally accept that I was approximately 30 days late when the car was declared a total loss, I am infuriated that  Honda Financial has received over {$25000.00} in payments ; yet refuse to make my account current. They expected m e to continue making monthly payments while having full knowledge that GAP and the warranty reimbursements would cover the total cost of the vehicle, minus my deductible.  <P/> Once the first payment from the insurance company was received, my account should have been made current with only the outstanding balance due.  <P/> What is even more outrageous is that the GAP and the warranties   are Honda products. Therefore, they would have had inside knowledge of the exact amounts being paid on the vehicle.
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My account is now beyond 60 days late due to this and will affect my credit.
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I want Honda Financi  al to bring my account current, plus remove the {$10.00} late pa
yment fee that was assessed on   XXXX   XXXX   2017. How can there be a late payment when over {$25000.00} was received from   XXXX   XXXX   2017 to   XXXX   XXXX   2017.    <P/> I feel like this is extortion and I would like this resolved as quickly as possible.
Consumer complaint received 2018-04-27
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)

Ive previously submitted a complaint for the actual company. Which removed its remarks from XXXX and XXXX .This one is for experian credit reporting who has not yet removed the XXXX XXXX XXXX XXXX XXXX remarks.. the other complaint was back on XX/XX/2018.