davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

I was unemployed since XXXX of XXXX, I ran out of savings and was unable to keep up with Timely payments in or around XXXX or XXXX. I communicated with Hyundai Motor Finance several times asking to get a payment deferral. I was told i was denied because I had not made 6 payments, but rest assured once I did make the XXXX payment that the XXXX and XXXX payments would be deferred. So two payments. Now that Im working and finally made the XXXX payment I was past due on they are telling me I can only have one payment deferred which will leave me struggling even though I have been told on several occasions that the payments for XXXX and XXXX would be deferred several times by several different representatives and even a supervisor which actually applied for the 2 month payment deferral for me that was denied because I needed to make one more payment. I am now being told it doesnt matter that I was told 2 months they can only do one month. I feel this is unfair and deceptive against me, a paying customer who was struggling a financial hardship. It seems no one at Hyundai Motor Finance knows or is trained on the actual policy which can and willcause this same difficulty to many more customers. I will list the dates of mentioned phone calls, XXXX two phone calls XX/XX/XXXX XXXX rep told me no only one month, went and asked and I heard the person in the background say yes I could do two months the rep came back to the line and said My apologies maam you can do two months, you just wont be allowed another deferral for 12 months after that XXXX 2 phone calls which I called and discussed situation and they called me back even though I already made contact and did not give permission to call back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX supervisor submitted two month deferral request
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (WV)

Received a Chase/ Amazon card I never applied for and before it even arrived it shows with a balance of almost {$300.00} ; in addition it allows for contactless which I do not trust to be secure. I verify there to be no transactions on my behalf or in my Amazon account to correspond with any purchases that could be on this card.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello i have complain this previously you closed my comlain but i did not get the solution from the company i am again doing complain against the company kindly strictly forward this complain to paypal this was I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide 4 things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX XXXXk. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX ( see XXXX XXXX way ) Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me . It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( XXXX!! ) need to pay from this money for my moms needs as soon as possible. Please, Do not hesitate to contact me if it necessary.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I called into XXXX XXXX and made my payment of {$530.00} over the phone with the representative by the name of XXXX, she stated the payment was successful and we ended the call. I woke up the next morning and noticed I received two emails thanking me for my payment and I immediately checked my card and the payment was in process twice with a total of XXXX. I called in and spoke with XXXX and let her know my payment was posted twice and I needed the money back right away as I have a son who has necessities as well as the holiday is coming up and I wanted to XXXX shop for my sons XXXX XXXX. To no surprise I was told it would be up to XXXX business days until I received my money back. Immediately I asked for a supervisor ( XXXX XXXX and she stated it would be XXXX days and it would be put on rush but they are closed over the weekend. This is unacceptable in my eyes, any other charge that comes through on my account twice even for {$1.00} it is recognized as a duplicate charge and I am refunded promptly. This is not my first issue I have had with Chase Bank and I will be closing my account as soon as this is rectified!
Consumer complaint received 2022-11-27
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. (NC)

I have sent complaints to the CFPB, experian and XXXX since last year with no resolution from Experian. Experian has simply ignored my request for remova ; after I sent in proof that they can not verify it after they stated that they got it from XXXX. Who in return stated that they do not have a XXXX on my credit report and asked that Experian investigate. To this day there is no solution to the issue.
Consumer complaint received 2018-07-06
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)

If I have a block against anyone accessing my records why are you allowing them to do so. What is the purpose of the block which is outlined in the fair Credit reporting act if you choose who can access my records without me. You allowed companys to access my records and then are holding my accountable for them accessing it. This is unscrupulous ; you may as well just post my information for the world to see. You have a responsibility to protect my information for which you have failed to do so and now you are trying to side step your responsibilities and push it off on someone else. I have no choice but to allow you to monitor and protect my information the least you can do is be competent and do your job.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Someone applied for credit at XXXX XXXX XXXXXXXX. This was not me I do not bank with XXXX 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to my credit
Consumer complaint received 2022-11-27
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. (IL)

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX XXXX XXXX {$52000.00}. They required a down payment which is illegal according to the dealer breached parts of the lender guidelines 15 USC 1635 and 15 USC 1662. At this time, I am requesting a refund of the down payment and closure of the loan with payoff at a lost to the company.
Consumer complaint received 2024-11-05
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. (PA)

I was stunned to discover unfamiliar accounts on my credit report today, and I have no clue why theyre there. As part of my routine, I checked my report, only to find these strange inaccuracies that seemingly appeared overnight. I tried refreshing, thinking maybe it was a temporary error, but nothing changed. Im deeply troubled by this and request a thorough check of my documents to prevent this from ever happening again.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

Hello, I have paid off my student loans completely through a private vendor, XXXX XXXX. Somehow EdFinancial has picked up a false loan and it's showing on my student aid federal government account, even though I have never had a federal loan, only private. 

I looked up EdFinancial and everyone said to file a claim. XXXX XXXX has also confirmed there is no way the loan was transferred or that it could be considered federal. 

Thanks for your help, XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

They have my credit rating that I'm using over 80 per of my. Utilitization which is not true. I have 4 credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit
Consumer complaint received 2022-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Chase Mortgage refuses to help me with the payment I got assistant from Massachusetts state mortgage assistance for payment but Chase keep refusing to send them the document they asked for for about XXXX months now. Chase mortgage account # XXXX Address XXXX XXXX XXXX XXXX Ma XXXX Name of account holder : XXXX XXXX Last message received from https : XXXX Upon review I found we did receive a record from your mortgage company on XXXX however it was incomplete and came over in a failed status. 

Our Failed Record Team is working on getting the completed record from your mortgage company. 


Should you speak with someone at your Mortgage Company that is familiar with the loan validation ( AKA : Common Data Files or CDF ) records you can tell them the record was missing the following information : The LoanStatus ( BE ) is missing. 
These fields require correction. 

Once the corrected record is received the Eligibility Review process can continue. 
XXXX XXXX Complaints & Appeals Analyst
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX Account number XXXX has violated my rights. 

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
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello cfpb, my XXXX XXXX card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to transunion and XXXX past due balances when my account is paid. I'm including screenshots of my XXXX account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also credit karma with transunion has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the XXXX store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I received a platinum XXXX  XXXX credit card in the mail that I did not apply for. Records say the application was made XX/XX/XXXX. I contacted XXXX  XXXX, confirmed my information and explained it was not me. They canceled the card, closed the account, opened an investigation, and sent an identity theft alert to the credit bureaus. XX/XX/XXXX I checked my credit to see if the card showed up. It showed as a hard inquiry on my account and a new open credit line. I called all banks and credit bureaus to inform them of what happened. I froze my credit from all three bureaus, placed fraud alerts, and filed disputes to take it off of my record. XX/XX/XXXX So far, only XXXX has removed the inquiry from my record. XXXX has said the information has been confirmed and it will remain on my account for two years. This is simply unacceptable. As a young adult, it is imperative that I take care of my credit score and protect my identity.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX I deposited a check with XXXX XXXX  under my small business name. After getting an ein number, proof it was my account, other bank verifying funds and doing everything chase fraud department wanted they refused to release my funds after cashing the funds into my account and said that the person who wrote the check out to me should just file an endorsement claim but that would only be correct if it was fraud but this is not fraud I had processed check under my non business account by accident. They have been difficult to work with me and when I call they hang up on me when I let them know I am recording for my documentation.
Consumer complaint received 2024-10-09
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Alorica Inc. (PA)

I had a XXXX account. My account was switched to SST. I paid my XX/XX/year> bill. Repeatedly SST has stated I have not. Numerous times I have called and emailed my checking account statement showing I have however this company states it was declined due to insufficient funds. Not the case, the funds were removed from my account. They harass me nonstop but now I am stuck with them for this loan.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NJ)

I'd like to report Venmo for a " bait & switch '' promotion to get consumers to open new Venmo accounts ( probably directed at current PayPal users ). I have received, and turned-down, many offers to open a Venmo account for a {$10.00} credit ( e.g. have a saved email offer from XX/XX/XXXX ). On XX/XX/XXXX I finally " bit '' after receiving a solicitation for new Venmo members only, to open a Venmo account stating you would receive a credit of between {$10.00} to {$500.00}. The official rules called it a " sweepstakes '' and just require that you sign up before XXXX, XXXX and they needed a phone number, and your " payout '' would arrive within 30 days. ( When I first signed up I didn't even realize it was a sort of " sweepstakes payout. '' ) After I signed up my Venmo account was ( is ) live but EMPTY. On XX/XX/XXXX I got a followup email wanting to verify my e-mail ( which I had done in order to open the account in the first place ). On XX/XX/XXXX Venmo e-mailed again stating I was " almost there '' and now they wanted me to link a bank account! I wrote their customer service to complain and advised I had not received any credit XXXX On XX/XX/XXXX they e-mailed me another solicitation to accept a {$5.00} credit stating " It's been a while, we miss you '' and to show our appreciation accept this {$5.00} within 2 weeks or it expires. I did not accept that. I now see that the official " sweepstakes rules '' state if you accept any intervening offers from them it voids their {$10.00} to {$500.00} offer. Seems like a classic " bait a switch tactic. '' I wrote to Venmo customer service to complain I had not received what I had been promised to open an account with them on XXXX, XX/XX/XXXX & XX/XX/XXXX. At no time did they say I didn't fulfill all the offer requirements nor that they needed a bank account to be linked ; They always said to be patient and it would take about 30 days to see the $ arrive in my Venmo account. Baloney! I have received nothing but " lulling letters '' from their customer service ( I saved all these email communications in my XXXX  account. On XX/XX/XXXX I told them I felt they had misled me to open this account and that the CFPB " frowns upon '' this sort of thing to get consumers to open new accounts and if they didn't remedy the situation I'd file a complaint with the CFPB ( XX/XX/XXXX ).
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I had an air conditioning system installed on XX/XX/2022 by XXXX XXXX, who offered an 18 month same as XXXX XXXX XXXX, through XXXX / XXXX XXXX XXXX Synchrony Bank. Despite significant difficulties with their XXXX XXXX, I was eventually able to access the online banking system, set up auto pay. A few weeks later, I received my first statement, which was confusing to say the least. Despite a general reference to the XXXX XXXX, the statement does not show the payment required to avoid 26.99 % interest rate ; the statement does show a minimum payment of {$230.00}, which would take 9 years to pay off the loan ( plus an additional {$16000.00} in interest on a {$9500.00} loan ), 3 year payment of {$390.00} ( which would still accrue {$4700.00} in interest ). I called Synchrony customer service, spoke with an agent who confirmed they do not provide the proper payment for the promotion on their statements, it is up to the consumer to " do the math ''.
Consumer complaint received 2022-11-28
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. (TN)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.