davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (UT)

I requested a lien release letter from XXXX XXXX XXXX XXXX on XXXX separate occasions between XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) and as of today ( XX/XX/XXXX ) it still has not arrived despite multiple assurances that it has been mailed and after confirming my home address. 

Most recently, I was told by a manager that the letter was mailed on XX/XX/XXXX and that it would be arriving no later than today, however it still has not come in the mail. My ex-wife still lives at the old address XXXX was aware of and she too confirms that nothing has come in the mail. In addition, I have confirmed or confirmed for XXXX repeatedly over XXXX separate calls my current home address. 

On the few occasions I have received any sort of document, they have not been Lien Release letters, but documents that were either unrelated ( a notice that my car had been towed to a lot ( this was due to an accident I was in ) and a document acknowledging my last payment, but not the Lien Release document itself ). 

The automated phone system states, and multiple agents have confirmed, that they show my car loan was paid off in XXXX of XXXX. 

The failure to provide this common document is causing me material harm of {$7700.00}, as I am unable to transfer the title of the now totaled car to the insurance company and receive my compensation in return until the lien is formally acknowledged as lifted by the XXXX  XXXX.
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NJ)

A PayPal credit account was opened without my knowledge or consent through Synchrony Bank apparently because I wasp reapproved and someone accessed my account, changed the email and phone number and applied for the PayPal credit account. I called Synchrony Bank and they closed the account and started an investigation. In the course of these events, they told me that there is a second phone number on the account. I told them I have no second phone number and they should remove it. They refused. I have no card/account number to enter because I did not open this account.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint to address an issue regarding late payments on my credit report. After reviewing my records, I discovered these late payments, which I believe to be inaccurate. Despite sending letters over 30 days ago, I have not received a response, nor have I been provided with adequate validation. I am seeking your assistance in resolving this matter as soon as possible.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (CA)

This vehicle was stolen on XX/XX/2019. I made a police report around XXXX XXXX I called my insurance company at XXXX XXXX  and then again at XXXX XXXX  and filed a claim. I received a packet of papers from my insurance company which I filled out and mailed them back in their addressed envelope on XX/XX/2019. I have copies of all supporting documents. I had full coverage insurance and gap insurance to cover my entire loan. This was not a repossession.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IA)

On Wednesday, XX/XX/2024 while at XXXX XXXX in XXXX XXXX, Iowa, my wallet was stolen from the gym locker room. Inside were my debit card, credit card, driver 's license, school ID, health and dental insurance cards, and other important documents. At XXXXXXXX XXXX. that same day, I received a text from Wells Fargo notifying me that my card was being used at XXXX for a charge of {$610.00}. Since I was at the gym during that time and nowhere near XXXX, I immediately searched for my wallet and discovered it was missing. 

I called the police and, while waiting, I contacted Wells Fargo to report the theft. In addition to the XXXX transaction, my card had been used at a gas station for {$30.00}, which I also reported. The police filed my complaint, and a few days later, I was contacted by Detective XXXX XXXX from the XXXX XXXX XXXX XXXX, who was handling my case. He later informed me that the individuals responsible for stealing my wallet had been arrested. 

Wells Fargo processed my claim and temporarily refunded the stolen amount. However, on XXXX XXXX I received a letter stating, We have completed our research into the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2024, we will deduct the provisional credit of {$610.00} previously provided to you. Please consider your claim closed. 

I immediately called Wells Fargo to explain that I had reported my wallet stolen within minutes of discovering it was missing and had all my accounts closed. A police report was filed, and a case was opened, with the thieves already arrested. I can not understand how Wells Fargo concluded that I authorized these transactions when I have never even met the individuals involved. The police were never able to locate my wallet. I even went to the DOT that following Monday to get a new license. As aXX/XX/XXXX paying for college out of pocket and a loyal customer of over XXXX years, I am deeply disappointed that Wells Fargo is treating me this way.
Consumer complaint received 2024-10-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Secure One Capital Corporation (CA)

Secure One Capital Corporation ( NMLS XXXX ) uses an automatic dialer to market current refinance opportunities. The caller ID is ( XXXX ) XXXX. Once you answer, you can press XXXX for more information ( and eventually be transferred to a sales associate ) or press XXXX to opt out of future calls. The issue is that after you're advised of option XXXX, when option XXXX is provided, you have less than a second to select it and stop future calls. That is extremely unreasonable and a tactic to force your number to remain on their call list. While I understand they have a business to run, they also need to be fair and give the consumer a reasonable opportunity to stop unsolicited phone calls through their automatic dialer.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Southwest Credit Systems, L.P. (VA)

Southwest Credit Systems Reported : XX/XX/year> Amount : {$560.00} Information reported is inaccurate Inquired about debt validation letter and purchase agreement I did not receive it. I understand that this is a third party collection agency who has received information without my permission. Please delete inaccurate report.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (PA)

Freedom Mortage debited my XXXX account for a mortgage referenced XXXX for XXXX on XX/XX/year>. It is not my mortgage and no one on my end authorized this payment. When i inquired through my bank they sent me to XXXX XXXX because that is where the ACH transaction happened. XXXX XXXX then sent me to Freedom Mortgage to explain that this was a mistaken transaction. Freedom mortgage operator number XXXX basically told me there is nothing they can do. They did admit that the mortgage number is theirs but since my name is not on the mortgage they couldn't talk to me. File a dispute with my bank and close the account and start a new one. I explained that was an unacceptable answer. I then asked why they couldn't look into the transaction on their end. I was told that was impossible. I then asked for a supervisor and was told to have a nice day and they hung up on me.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I deposited my payroll check on the mobile app and it gave me XXXX of it and told me the rest would be available Tuesday XXXX and then Tuesday comes and my account is XXXX bucks negative and the bank tells me my employer placed a stop pay on the check after checking with my employer I was told there was no stop pay placed on the check. I called my bank back and they say they don't know why but now they are holding my funds until XX/XX/XXXX when they will resubmit the check for clearing .. they can't tell me why or any other information and now I have to starve, miss my doctors appointments and can't pay my bills
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CO)

Please see attached am issue I brought to the attention of Chase Bank, Executive Office, the email is self explanatory and I won't waste your time duplicating my issue here. In response, I got a call from XXXX # XXXX his extension was XXXX. In a nutshell, he said that they won't be honoring my request, EVEN though they messed up by 1 ) unilaterally stopping my paper statements and allegedly emailing an old, defunct email they had on file from 2 decades ago. 2 ) They also messed up by illegally reversing my VALID credit card dispute and then not bothering to notify me. 3 ) To add insult to injury, they then reported me as being delinquent to the Credit Bureaus! I have paid through my nose for an illegally reversed CC dispute, I have paid fees upon fees, all that is just money. What REALLY makes me sick and really DAMAGES me is the adverse credit reporting, which 'll cause me THOUSANDS in damages. Please, PLEASE see how you can influence a POSITIVE outcome. Thanks! 

XXXX
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (IN)

I paid a payment on XX/XX/year>. 
The payment was NOT posted toward the balance due and was posted to a suspense account. 
I received a billing statement and a subsequent letter saying i was past due for a full payment when i was really only short {$280.00}. 
The letter also said that i was incurring interest charges on the late amount. 

Why wasn't my payment that was paid applied to my account balance? 
How can they charge interest on an amount due that has been paid. 
How can they post my payment to a suspense account and not toward the balance?
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (UT)

under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Experian emailed me on XX/XX/year> that there has been a change in my account information. I emailed their membership support email telling them I didn't change my account this must be fraud ; with no response. When I tried to log into my account the account email and phone number was change so I could not get in. When I called is was on their automated line going back and fourth with an automated system that kept hanging up on me because I wasn't there for any of it automated issues. The automated system kept refusing to send me to a human representative, and when I would say " membership has been hacked '' is would just respond with telling me to choose form it automated issues instead. After a quick online search it was clear this is a larger issue with Experian, it seems everyone that has had a account has had a account hacked.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BOK FINANCIAL CORP (TX)

I contacted BOK in XXXX of XXXX to have the PMI removed. They told me PMI could not be removed until my balance was 20 % of the loan balance or just under {$77000.00}. I called again in XXXX and then they said that they needed to do an inspection for improvements which they'd charge me for and I was still above the threshold. I requested to speak to an escalation person. I was sent to XXXX in their escalation department. I asked again for PMI removal to XXXX, and I shared their PMI Cancellation language which is on their website. At first they insisted PMI removal was 78 % of loan value. I showed them the language which says Property Value on their own website. Then I showed the HPA language. 

Automatic cancellation BOK is required to automatically terminate PMI when the loan balance reaches 78 % of the property 's original value, and the borrower has a positive payment history over the previous two years. 
Request cancellation Customers can request to cancel PMI when the loan balance reaches 80 % of the property 's original value. The request can be made in writing and should include : A good payment history Current on payments Certification that there are no junior liens on the home I have never been late on a payment and actually pay $ XXXX more a month. And I typically pay my mortgage one month ahead. There are no liens on my home. My homes original value was $ XXXX in XXXX. Purchase price was $ XXXX. I financed $ XXXX. The value on my home now is anywhere between $ XXXX $ XXXX. Based on the policy on the BOK website, AND The Homeowners Protection Act which says : PMI will automatically terminate when the loan balance is first scheduled to reach 78 % of the original value of the mortgaged property regardless of the outstanding balance of the mortgage and the loan is current. 

I discussed this with XXXX. He said he'd look into it. I have called him three times since and no call back. They took the PMI again this month.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/year> I received a credit alert from XXXX XXXX through XXXX XXXX that there was an update to my credit report. In reviewing, both XXXX and XXXX reported inquiries and a new account opening with Truist. I did not take these actions, so this flagged me of fraudulent activity. 

I then contacted Truist Bank on XX/XX/year> and spoke with Account XXXX and completed a fraudulent report on the phone with a representative. They reported both a checking account and a credit card account were opened using my XXXX, XXXX, and maiden name in XXXX of 2024, and confirmed the phone number and address on file did not match my current information. They opened an investigation, put a stop order on the cards being issued in the mail, and stated I would be informed of action and steps taken by Truist via letter in the mail. 

I notified Truist that there was a preexisting Fraud Alert on my credit report from XXXX and XX/XX/year>, with XXXX, XXXX and XXXX, and inquired why these accounts were opened despite the Fraud Alert and without efforts to confirm my identity or contact me. They informed me they filed an internal complaint about this matter, but did not provide a confirmation number or contact information for follow up on the matter of the complaint. 

I contacted XXXX, XXXX, and XXXX on XX/XX/year>, to dispute the fraudulent accounts, fraudulent inquiries, and incorrect demographic information now on my credit reports. All XXXX  have opened an investigation and disputes for the incorrect demographic information, and fraudulent accounts. I also placed a hard freeze on all credit bureaus on XX/XX/year>. 

It is important to note that the fraudulent credit account has significantly impacted my XXXX XXXX at this time. 

It is also important to underscore that a checking and credit card account were processed and opened by Truist Bank in XX/XX/year> against my credit report, despite a Fraud Alert being on my credit report since XXXX and XXXX of 2024.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHERRY TECHNOLOGIES INC. (GA)

The account listed on the identity theft report is the result of fraudulent actions and is in violation of our rights as a consumer. Per 15 USC 1681c-2 We have attached : ( 1 ) appropriate proof of identity of the consumer, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer and, ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Per 15 USC 1681c-2, we are requesting the immediate and indefinite block and removal of the accounts that are listed in the identity theft report attached. Per 15 USC 1681c-2, Upon receipt of request to block the consumer reporting agencies have 4 business days to block and remove all of the accounts that are the result of identity theft.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

XX/XX/year>. Wanted to transfer $ XXXX from my XXXX XXXX Acct to an external acct. Was told I can only do a XXXX of $ XXXX but that I can request and exception to extend the amount transferred. I transferred $ XXXX initially. The next day I tried to transfer the balance. I was then told I can only transfer once the initial $ XXXX has been posted to my external account. I tried to cancel that transaction but I was told it's too late, that I had to wait XXXX business days for that amount to post. XX/XX/year>, that amount posted to my external account. I then tried to transfer $ XXXX on XX/XX/XXXX. I was denied. XXXX ( Webster Bank ), told me I had to ask for approval again to go beyond the $ XXXX. I did this. I received an email at XXXXXXXX XXXX stating that I was approved to transfer $ XXXX to my external account. I also received a phone call confirming the same thing. I attempted the transfer several times without success. Since then I have attempted several times to call XXXX and figure out why they will not allow me to transfer my own money. I can not get an answer. Today XX/XX/year> I proceeded with a request to close this particular savings account and transfer all of the funds to my external account which is a substantial amount of money. I was told I would hear back from someone later in the day. I still have not received any phone calls and I do not know what else to do at this point to get my money out of this bank. Please help.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

Attn : Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 

Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, is not mine and i was never associated with this address. 

Inaccurate Reported OVERDRAFT from XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, is not mine and i was never associated with this bank account. 

Inaccurate Reported Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX In detail, you recorded that I had non-sufficient funds with XXXX XXXX  on or around XX/XX/year> principal loss XXXXXXXX XXXX  account stat account abuse. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX  and investigate this item for me. 

I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX XXXX XXXX XXXX confirmed this statement is false from Wells Fargo Amount of bank cards says to XXXX  I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by Wells Fargo Wells Fargo ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from XXXX my report has a change! Now I have XXXX inquiries in the same week. This is illegal and damaging. I called XXXX and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called Wells Fargo which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the XXXX  removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost 100 percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!