davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, I am speaking with XXXX at the executive offices, he is addressing my concerns with the refund amount of XXXX, when refund should be XXXX for fraudulent CPI charges placed on my account. Executive offices are claiming to have refunded all CPI related charges but can not verify where my over payments went as they do not reflect my principal or interest. He denied that CPI charges were included in payments acting as if the funds were held separately. I have a letter dated XX/XX/XXXX from Wells Fargo stating that my loan is in default because I did not pay all of the insurance premium in the 2 mo that I had the loan. Executive offices are denying sending this letter out. It is attached. Executive offices are saying I am not allowed to refer to my monthly statements for accurate payment calculations and schedule. 

Please advise where the loan payments from XXXX XX/XX/XXXX were applied to if they did not get applied to ins premium, late fees or additional interest. 

My loan was for XXXX at 5.99 % int. for 60 mo. 
The total paid out to Wells Fargo in 15 mo is over XXXX. 

Please advise where my payments went as I see that only XXXX ever went to my principal and interest.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC. (CO)

I received a letter and multiple upon multiple repeated phone calls ( 4+ calls within the hour ) daily threatening to sue me for hospital bills. I was under Colorado XXXX at the time. I dont know why I have this debt or why I am being harassed daily. This company is aggressive and unethical.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I made a purchase from XXXX XXXX for two pairs of glasses. They were not at all as described. I tried to return them but I would only get a partial refund. I completed a benefit request through Citi and they declined it because they said I was getting some refund. But Im not getting a full refund. Partial refunds to buy the same thing that is not as described is meaningless. Why offer credit card benefits to protect against these things if you really wont protect your customers? I wasted my time and effort across the board on this. I should be protected. The items not as described. I shouldnt even have to waste my time and effort on this. There are other credit cards and Im going to use those moving forward. But I want this issue resolved. Ive wasted some much time and effort that its ridiculous. Provide the customer protections on the card you say you provide!
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (LA)

To Whom It May Concern : The reason for me filing this complaint with your agency is due to Conn 's store refusing to issue a credit to my credit card for a purchase I had cancel. The business practice of Conn 's is unacceptable and they don't have the right to withhold refunding my money back onto my credit card, but instead, Conn 's decided to retaliate and hold my credit card hostage due to the fact I change my mind about purchasing the appliances. This is fraudulently and I request that Conn 's issue a refund {$1900.00} immediately to resolve this complaint. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern : This complaint is to notify you of the unfortunate events which took place with JP Morgan Chase and its auto financing division. On or about, XXXX, of 2017 my auto payment was recorded, 30 days late. Subsequently, XX/XX/2017 payment was recorded 60 days late. Without recollection of verified notice, my vehicle was repossessed. I immediately contacted chase to resolve the issue, which they were no help to assist in the matter, aside from collecting the 2 late payments, in addition, the 3rd payment ( XXXX ), which was not late. Additionally, fees were assessed. I was left with no choice but to make payment in full. At that time, my loan was 'reinstated '. 

My complaint is as follows : To my recollection, proper documents were not provided and verified for repossession. Chase did not seek to aide me in a solution which would result in a favorable term for both parties and conclude repossession. Financial hardship temporarily hindered my ability to make payment and was unaware of my rights as a consumer. Furthermore, Until recently, I was not aware of the CFPB ability to research such complaints. 

I would ask you to research this complaint and with your findings have the repossession deleted from all three reporting agencies and the late payments associated with this repossession.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IN)

On XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Maryland, because these electric vehicles were for sale in Indiana where I live. The Sales Contract listed the {$30000.00} amount unpaid on the car after I paid {$10000.00} as a down payment. 

I issued a check # XXXX for the {$30000.00} on XXXX because the first payment due amount listed this higher amount as the one time full payoff amount. 

Hyundai Finance issued a second payment due notice for {$210.00} on about XXXX that I paid with check # XXXX. 

On XXXX, Hyundai Motor Finance, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX, issued a {$1.00} check # XXXX to me. 

I emailed Hyundai Finance and the XXXX XXXX, XXXX, MD, dealer, XXXX XXXX XXXX, about the overbilling to me with no response from either party. 

I received a lien release on the loan, but perhaps due to the COVID-19 pandemic, I have not yet received the new car title and my temporary license paper tag issued by the dealer expired XXXX. I paid {$5.00} to the local XXXX XXXX, IN, Police Department to complete a signed VIN number check that they apparently informed the Indiana Bureau of Motor Vehicles via his shoulder radio of his findings. I emailed a copy of the police VIN check form to XXXX XXXX, but I still have no Title and an expired temporary tag.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-10
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: WELLS FARGO & COMPANY (VA)

I opened Wells Fargo credit card in XXXX XXXX XXXX to pay for repairs on my mothers home to replace the HVAC and upgrade the power panel. The charge amount was {$11000.00}. The first statement automatically set a minimum monthly payment amount at {$400.00} and stated the balance must be XXXX at the end of XXXX months to avoid deferred interest. I assumed that Wells Fargo had set the monthly payment amount of {$400.00} to ensure my balance would be XXXX by XXXX XX/XX/XXXX. I followed the banks recommendation for paperless reporting. At this point, I didnt see a need to frequently log in and monitor my accounts status. 

In XXXX XXXX XXXX I had to replace the HVAC in a house utilizing XXXX in XXXX, Va. The salesman suggested I utilize the same Wells Fargo Card with full payment due in XXXX  months. I agreed. An amount of {$7200.00} was charged in XXXX XXXX XXXX and Wells Fargo adjusted my monthly payment to {$630.00}. 

In XXXX XXXX XXXX I compared the Wells Fargo monthly payment to my deadline to be at XXXX balance and realized this monthly payment set by Wells Fargo would not get my balance to zero. I payed {$2000.00} in XXXX and followed one-time payments of {$1000.00} each month thru XXXX XXXX XXXX 

In XXXX XXXX XXXX I logged into the account and was shocked to see my balance owed was over {$10000.00} and had increased over {$4000.00} in XXXX and there was an interest charged the past few months of XXXX and XXXX of about {$130.00} each month. At this point I payed a lump sum of {$5000.00}. Today, XXXX XXXX XXXX I made the final payment over {$4000.00} to get the balance to zero. 

Several issues concerning this account that I would expect of a customer to bank partnership, ( 1 ) The bank should set a monthly payment to ensure the balance reaches XXXX by the required date to avoid deferred interest ( Note : I have had several other 0 % interest accounts where the bank sets this payment to ensure it reaches XXXX balance ), ( 2 ) If this monthly amount isnt maintained, a notification should be sent out via e-mail or text ( similar to a checking overdraft notification ), ( 3 ) At the XXXX  day point before the account should be XXXX, the bank should notify the customer of the date and balance due to allow the customer to arrange to make the payment. ( Note : The {$11000.00} balance being payed at {$400.00} a month, set by Wells Fargo, would only decrease the original balance by {$7200.00} after XXXX  months leaving a balance of {$4200.00} due to avoid deferred interest which most consumers dont have on hand ). ( 4 ) The deferred interest rate being applied of 28.99 % is significantly higher than any bank card interest rate.

I have a long history of banking with Wells Fargo and would appreciate some consideration and adjustment to this penalty applied to this account. Please consider some adjustment to this deferred interest / penalty.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy Equifax has been blocking my account so that my recent credit cards can not report. XXXX Bank and XXXX XXXX banks are two of the four that  have been blocked.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (GA)

I received a mortgage reinstatement quote of {$11.00}, XXXX from XXXX XXXX, XXXX on behalf of Selene Finance with a Good Through Date of XX/XX/year>, which listed attorneys fees at {$1400.00}. 



As stated in the quote The reinstatement figures above include items paid by the lender or servicer or incurred by XXXX XXXX XXXX XXXX, and are currently due. Additional fees may be assessed, and this amount may change as further charges accrue. We recommend contacting XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to confirm any additional fees before making payment. 



Following this advice, I contacted XXXX XXXX XXXX XXXX on XX/XX/year>, to verify the quote. I was assured that no additional fees had been incurred and that the listed attorneys fees were correct. Based on this information, I wired the full reinstatement amount of {$11000.00} on XX/XX/year>, and received confirmation that the loan was reinstated. 



However, upon Selene Finance applying the funds, I was informed that my account still shows an amount due for the XX/XX/XXXX mortgage payment. I also discovered that Selene Finance applied a different quote, with attorneys fees increased to {$2400.00}, instead of the {$1400.00} confirmed by XXXX XXXX XXXX XXXX. 



Selene Finance applied the funds as follows : 3 payments of {$1300.00} for XXXX, XXXX, and XXXX {$2600.00} for XXXX and {$510.00} for late fees Unapplied funds of {$750.00} 2 payments of {$1300.00} for XXXX and XXXX This allocation left XXXX marked as unpaid, despite my confirmation with both Selene Finance and XXXX XXXX XXXX XXXX that the reinstatement included the XXXX payment. 

This discrepancy has also caused my XX/XX/XXXX automatic payment to be canceled by Selene Finance due to a past-due status. I have called daily since the funds were applied on XX/XX/year>, attempting to resolve this. However, I am advised to refrain from further payments, as they would only be applied to the XXXX balance, generating further unapplied funds. 

I submitted a request from XXXX XXXX, XXXX to provide what they had sent to Selene Finance as the reinstatement quote and to advise if there was two different amounts for attorney 's fees and i keep getting told they don't speak to how Selene Finance handles applying funds. I have not asked them for that. I asked they provide documents they sent to Selene Finance for attorney 's fees. 

I will provide all correspondence with both the mortgage provider and the law firm.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-01-08
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have 2 XXXX XXXX accounts on my credit report. 

I do not owe XXXX XXXX and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the XXXX XXXX  case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

After being scammed in XXXX ( XX/XX/23 ), I contacted Citibank credit cards immediately, was instructed to wait for the charge to post, and then challenge the transaction then. 

However, Citibank credit cards did not perform any meaningful " investigation, '' although it used that word, and effectively excludes any meaningful chance to appeal its initial " investigation '' : 1 ) Although Citibank credit cards was able to elicit a response from the scammer -- for which I am grateful -- they did not perform an basic " investigation '' worth its name. Specifically, they did not compare the deceptive and fraudulent buying process that I had encountered and documented, with the merchant 's bad-faith and off-topic response ( screenshots of a different buying process, as sent to me in 8 pages of docs in an XX/XX/23 letter, on CITI letterhead ). 

2 ) After this non- '' investigation, '' Citibank did not provide a reasonable way to challenge its initial determination. Although they stated that you could " continue to dispute this charge, '' that continuation of the dispute required you to submit " a credit slip or chargeback approval letter '' ( XX/XX/23 letter ) -- that is, proof that you'd settled the dispute with the merchant! Because of course the scammer would not reverse the charges and I could not provide this one thing, Citibank would not accept any appeal of their initial, deeply-flawed, so-called " investigation, '' and rejected the entire appeal on that grounds alone, never even scrutinizing the fraudulent buying process that led me to request charge reversal ( XX/XX/23 letter ). 

Overall, this is very unethical behavior, and I'm now worried that the negative results of their so-called " investigation '' might close off other avenues of recourse with the scammer and make other avenues of recourse not take me seriously ( e.g. when I appeal for help to my state attorney general 's office )
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this message finds you well. I've discovered that the information provided above doesn't accurately reflect the status of my accounts. After reaching out to the banks, they confirmed a software glitch caused improper reporting. They assured me it's fixed, and the accounts should show no late payments. XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.