davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased XXXX  XXXX on XX/XX/XXXX.

I paid {$2600.00} in down payment which includes the first-month lease amount.

I was expecting the first bill around XX/XX/XXXX.

I haven't received it fro

m Hyundai until today. I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ).
After a few days, I called him again to receive the same text message.

I sent him a message explaining about the missing bill to explain the issue.

After a few days, I called the dealership number and reached the finance team which went to the voice message system.

This kept on happening and onXX/XX/XXXX, the car was repossessed from my apartment complex parking lot. 
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number.

I went to the police station and they told the vehicle was repossessed.

I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday.

Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help. 
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details. 
I haven't received any communication on how to pay. 
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00} and police repossession clearance {$15.00}. 
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) but no use. 
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use ( he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges. 

I have uploaded the sale document for reference.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have reported since XX/XX/XXXX to bank of America fraud and suspicious activity. XXXX  researched my complaints and after her intense research as her XX/XX/XXXX letter states my complaints have grown substantially.

XXXX  states in her letter that she was sending me the original signature cards for all 3 accounts XXXX XXXX XXXX XXXX was not original from XXXX I and XXXX  that is stated on her letter sent to cfpb says she included the XXXX. Original signature card. False.

I still am requesting all original signature cards for court. It is going to prove my complaints.

XXXX  letter also states falsely that I notified boa on XX/XX/XXXX of my new XXXX XXXX address XXXX XXXX nc XXXX   when she stated I opened the account solely in my name. False.

I did not open a boa account in XX/XX/XXXX. I did not report my address change on that date either BECAUSE THE UNITED STATES POST OFFICE OF XXXX XXXX NC XXXX RECORDS SHOW I did not have XXXX XXXX   XXXX XXXX nc XXXX  ON XX/XX/XXXX. I HAVE THE RECORD showing a date of XX/XX/XXXX as per attached application I am hereby again requesting boa to produce all original signature cards and documents from my XXXX  account as per boa and the XXXX XXXX. I NEED THESE FOR COURT.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

Round about XX/XX/XXXX/XX/XX/XXXX I noticed that my Synchrony Bank / Amazon credit card statement was too high and upon inspection noticed I had late fees and interest incurred for a balance that should not have existed. My credit limit set by Amazon is {$100.00}. So I rarely use the card except for small items. The balance was {$130.00}, above my spend limit. I call Synchrony to complain and inquire. What we discovered was that Amazon PRIME had been auto billing me for an account that I did not sign up for. I complained to Synchrony at this time that these were unauthorized. Their response to me was I had to take it up with PRIME. They could not address these. That is confusing as they allowed the charges and should be protecting my account for me. Nonetheless I demanded the account be closed or frozen until I could get the charges resolved. I made attempts to contact PRIME over a 3 month period before they responded to me. During that time Synchrony continued to add late fees and charges to my account while I was disputing the very same charges causing those fees and interest. In month 4 or 5 Prime cancelled the membership and reversed only 3 months of fees. I have had similar issues with other credit cards where the bank assisted in the recovery. I was in this alone. Around XX/XX/XXXX in several calls with Synchrony I was disputing the balance which was now in excess of {$230.00}. That it was all fees and interest created by the fraudulent PRIME membership fees. I demanded a manager to look at th eaccount and listen to the calls where I demanded the account frozen or closed. I even agreed to pay the original balance after the PRIME charges were corrected to close it. They denied the offer and would not comply. I received a {$1.00} refund from Synchrony which was an insult. They continued to call daily during XXXX, XXXX and into XX/XX/XXXX. I take 1 call every 2 weeks and ask the agent to please listen to the call logs and have a manager address the request back in XXXX/XXXX to freeze or close the account because of the fraudulent PRIME charges. They will not comply. They have now jacked the credit card account with the {$100.00} limit to over {$320.00} in fees and charges from the original balance that was complained about. I continue to offer settlement for he original balance after I resolved the PRIME issue and hey refuse.
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I came to the Wells Fargo branch at XXXX XXXX  to wire the funds for a real state closing to the XXXX XXXX. The XXXX of the branch XXXX XXXX processed the wire, however there was not process to verify that the wire instructions were legitimate. Few hours later I was contacted by the closing attorney who advised they didn't receive the funds, immediately we found out the wire instructions were sent from a hacked email. I contacted the manager of the Wells Fargo bank to place a stop payment, so she did and I got a claim number. The same night I verified and the funds were still on my account the day after XXXX  the funds left my account around XXXX XXXX. I contacted the Wells Fargo wire fraud department and I was informed the swift recall was not placed with the right procedure so the bank had to re-file a swift recall again but this time following the Correct process, the wire fraud representative mentioned the Wells fargo branch didn't reach the proper department and for that the funds were released from my account. On Monday XX/XX/XXXX my mother the second owner of the account visited the branch since I was out of the country due to work, and the Manager of the branch Mrs XXXX confirmed with the XXXX XXXX  after many calls and following many security protocols that the funds were frozen at the XXXX XXXX with a flag due to name discrepancy, Mrs XXXX advised my mother that the money would be recurved. After I returned back to USA on XX/XX/XXXX I contacted Wells Fargo wire fraud to the investigator Mrs XXXX, she mentioned the XXXX XXXX  did not t replied to the swift recovery yet. on XX/XX/XXXX I received a partial refund deposited into my account. After filing all the complaints with the police, FBI, and all consumer agencies, the XXXX  informed me on XX/XX/XXXX that they could only recovered what I was credited because the Wells Fargo did not informed the XXXX on time and the fraudester had time to withdraw {$32000.00}. The Wells Fargo was negligent by now stopping and freezing the money on my account immediately at the moment the fraud was found, also if the information released by the Wells Fargo manager was not accurate or there is a lose part on the chain that the wells fargo needs to investigate and determine and protect my rights as customer and victim of a crime. The wells Fargo did not followed up with the XXXX to make sure the funds were kept safe and frozen as the Manager was initially informed by the XXXX XXXX employee. 

The chase banks faults Wells Fargo for taking very long to reach, but I demand the refund of the {$32000.00} stolen. The culpability of either bank should be handle among the banks, not using me as a victim. 

The fraud alert whomever made the mistake, should not revert on my detriment. I am a customer of the wells fargo and the fraud alert should've stop the funds from leaving my account immediately and not allowing the money to leave 48 hours after. 
Thank you
Consumer complaint received 2020-01-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

Yes I have have file an Identity theft remove in 2018 and this account was removed from my credit report and reappeared yesterday on my credit report. The is item alone took 89 points off my score and I am very upset and willing to do anything to make sure this comes off my credit report. This is not legal if something was removed and then replaced back on my report.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020, Goldman Sachs ( Marcus by Goldman Sachs ) emailed a promotional offer to me offering a {$100.00} credit for depositing {$10000.00} in new funds into my existing Marcus Account, and in particular to my Online Savings Account within my Marcus Account. 

The terms stated that the funds must remain, as well as existing funds at the time of the deposit, for at least 60 days. The specific language was " After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. '' Note the  deposit account specifies the online savings account, but the maintain clause simply says " your account ''. 

I made a qualifying deposit on XXXX XXXX A few days later I made an internal transfer with my Marcus account between the Online Savings Account and another online deposit account. Marcus deemed this transfer to disqualify me from the promotional offer. No funds were removed from my Marcus account, and in fact additional funds were added days later.

I contacted Marcus and pointed out that their use of the word account was used by them both to re
fer to the sub-account which called the Online Savings Account and to my total deposit account with Marcus, and that the promotion did not specify which usage was meant. I offered the service representative and subsequently her supervisor the opportunity to restore the promotional offer to my account, so that their treatment would comport with a simple English reading of their promotional materials. After consultation with some internal group, each declined to do so and explained to me why I was at fault.

I believe the service reps that Goldman Sachs meant the smaller sub-account in their design and execution of the promotion. I also believe, however, that they should be accountable to living up to the simple English reading of their offer. I do not believe that I should lose out because their staff were sloppy in their use of ambiguous language in their offering. Goldman Sachs neither did so in the initial case, nor did they correct the error when I pointed it out to their customer service contacts.
Consumer complaint received 2020-01-29
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. (NY)

XXXX XXXX XXXX XXXX  account # XXXX was disputed and challenged in XXXX of 2019. On my Experian credit report.. 
As of to XX/XX/XXXX this account still remains on my credit report as updated and verified. This is inaccurately reporting. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX  is currently reporting monthly charge off history after Account was closed & charged off. A violation of FCRA. 

XXXX XXXX XXXX XXXX  currently reports Unverifiable account balance. 

Even after sending a certified validation letter to XXXX XXXX XXXX XXXX to provide me with copies of documents with the signature pages of the consumer contract the company says I've signed. The company has failed to respond. If the company has not responded to my validation letter. How can Experian validate this account as accurate?
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (MD)

I opened a checking and savings account on XXXX XX/XX/year> at Everbank. I deposited {$1000.00} between the 2 accounts on XXXX XX/XX/year> from my XXXX XXXX account. When I received my debit card in the mail, it wasn't able to be activated so I called the bank to inquire. I was told that my account was pending closure and my funds would be returned to me via paper check to the address on file. It's now XXXX XX/XX/year> and the accounts are still have not been closed. They are holding my funds without an explanation for why the account is closing. They won't even give an estimate for how long it will take to close the account and return my funds to me.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Siggi LLC (TN)

Omni financial has destroyed my credit. When I was stationed at XXXX XXXX they made me give them my payroll information from dfas as well as my banking account info. I was recently told XXXX was sued for violated MLA laws, as well as violated EFTA and the CFPA laws. They charged me interest on my loan that was twice the amount of the loan itself. Theyve been reporting on my credit for years. I refused to pay my last payment of {$100.00} dollars, and attempted to fix the issue at a location by paying on the spot in the store but was turned away.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc (TN)

Harley Davidson Financial is at the point of harassing me with multiple phone calls everyday due to a loan payment being late. I do pay my payment every month but they call 3-5 times per day including Sundays if I am late 1 day. This has become very stressful and would appreciate some help.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Credit Corporation (FL)

I am suffering from identity theft. Somebody applied for a card in my name. I took the proper steps to dispute it with their internal fraud department, including back-and-forth fax and postal mail correspondence. The account disappeared from my credit reports for a while. Now, it's back, with late fees. Mind you, the ONLY charge on this account, ever, was the annual fee they assessed. Bow, there are late fees and interest accumulating ontop of the annual fee. Their customer service only ever says to email them, which I do, and I get an automated generic thank you response. I had their affidavit signed and notarized twice now. My credit score is severely suffering from a fraudulent account they seem to refuse to help me resolve since four months ago.
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (TX)

Payment was scheduled to hit my bank account on a certain date. I went onto their website and extended the loan which required a payment of {$50.00} which I paid. 

They then claimed I was past due and in default and referred me to the debt collection department who demanded I make payment arrangements which I did. 

I made the first payment. They then charged me a late fee which I paid. 

It has not even been 7 days since the last payment and they are already saying I am past due when my next payment is not even due until XX/XX/2020. 

I have gotten loans from them for years but never again.
Consumer complaint received 2020-01-29
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: NAVY FEDERAL CREDIT UNION (TN)

I am writing this due to non-compliance with the ( XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I am trying to clear my loans as quickly as possible and this company finds every reason possible to put loans into forebarence and deny loan forgiveness applications. I have called them numerous times asking to never be put on forebarence and every 6 months they do it again with another reason. I request again in writing and they never respond. Meanwhile, I rack up interest on the payment amount that would've been taken out. I try to get loans forgiven under teacher service grants. Everytime I submit paperwork, they find something wrong, I correct it, they then find anotehr things wrong extended the process again rather than put all the incorrect items out there at once. This company is XXXX and is just trying to keep the interest flowing as long as possible so they can continue to collect more. They are clearly not there for the customer, purely to create problems for them.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (DC)

In XX/XX/XXXX I have purchased a computer from XXXX online on the Apple Goldman Sachs Credit card under the promise that I get {$220.00} or 6 % back. I completed the transaction and received the computer. I went to the XXXX XXXX   to purchase an XXXX XXXX support. The XXXX Store Manager told me that since I am a business. If a return the laptop and repurchase it then he will not only give an additional discount, but I will keep the {$220.00} received as part of the promotion. I asked him to verify the information, and he called Goldman Sachs as XXXX XXXX  EST on XX/XX/2020. Goldman Sachs told the XXXX Advisor that the cash back was mine to keep. I have three affidavit notarized witness statement that were also provided to the FTC, FBI and XXXX  Metropolitan Department. I am a victim of fraud here and being forced to pay something I never authorized, agreed upon or charged and it is in accordance with federal law enforcement agencies a crime.
Consumer complaint received 2022-11-03
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. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PA)

I have disputed this account and the account was removed from my credit reports. However as of XX/XX/2020 the account reappeared on my credit report only now is listed as a closed account with a late payment in XX/XX/2020. This XXXX XXXX account has not ever been late and is currently an open account with the XXXX Domestic Relations Court. The account was unverifiable and now is being reported again inaccurately.
Consumer complaint received 2020-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CO)

Due to mechanical problems, I borrowed {$1000.00} to make a down paiement on a car with a payday loan company Amplify funding on XX/XX/20 with an interest charge of 734.73 % and finance charge of {$2200.00}. Payments are due every 2 weeks for {$260.00} starting XX/XX/20 which is not only ridiculous and a rip off. I didn't realize that until after I signed the contract and reviewed it more carefully. The maximum interest rate a bank can charge in Colorado is 36 % and this bank is tribal and not licensed in Colorado. There's no way I can afford those payments on my current income as I have rent, car payment, insurance and other Bill 's to pay. This bank should not be as allowed to be in business and ruins peoples credit. I am already struggling and the last thing I need is to have debt with high interest and payments I can't afford. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-29
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. (TN)

I am writing this due to non-compliance with the ( Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.