davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

I call Kia Finance at the end of XXXX, I was told I could defer 3 payments due to the affect of the corona virus, I would need to call a few days prior to the payment due date each month and put in the request. I requested for the XXXX payment to be deferred which I was told was approved, however the finance company proceeded to put the payment through my bank and the payment was returned since the funds were not available which was the reason for the deferred request in the first place. I called Kia Finance and spoke with a representative who stated that when I originally called for the deferral the rep should have taken my account off of auto pay, she then stated that she would refund the fee 's associated with the transaction since the deferral was approved. I called again in XXXX at the end of the month prior to the due date and requested the deferral which again I was told was approved. I called yesterday XX/XX/XXXX to put in the 3rd request for the XXXX payment and was told that I owe {$1400.00}. that I had 2 returned payments, when I tried to explain to the representative what had happened she was very nasty and argumentative, she continued to tell me that I had deferred a payment in XXXX which did not happen I made my XXXX payment, the deferral program didn't start until XXXX when our state was locked down, it got to the point where she was yelling that we could end the call right now or we could proceed to request the deferral for XXXX instead of XXXX so instead of making things worse I answered her questions and tried to call again this morning and speak with a supervisor and was told no one was available to assist me which is what I have been told every time that I have made that request. 

I was assured by the representative that I spoke with in XXXX that this would not affect my credit and that the payments would be moved to the end of my lease, now I have payments showing 30 days late along with late fees. I have always been an outstanding customer with Kia Finance, this is my 2nd lease with them and my payments were always set up on auto pay and have been paid every month on time. In the past 3 months I have had the worst customer service, they have been very rude and unwilling to try to rectify the mistake that was made on their end that is causing financial problems along with a very negative impact on my credit.
Consumer complaint received 2020-06-20
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: AMERICAN EXPRESS COMPANY (CA)

Hi! I signed up for this card due to the {$250.00} promotional bonus when you spent a certain amount of money by the first few months. I tried to spend the {$1000.00} and thought I had successfully done so! it was the day of the deadline to spend, so I thought I would grab some gift cards. YOu can check the attempted transaction records for proof! But for whatever reason, this gift card site did not process the transaction. I went to bed that night and didn't realize until the next day. This has made me super unhappy and I just want someone to make it right because it wasn't my fault. Thank you.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation (AR)

COLLECTOR FAILED TO VALIDATE SAID DEBT, PLUS IGNORED CEASE AND DESIST COMMUNICATIONS DEMANDS, THE TAXES IN QUESTIONS ARE CORRECT VIA AMENDED TAXES FROM XX/XX/XXXX-XX/XX/XXXX TAX SEASONS. STOP CALLING MY DADS CELLS. THEY KEEP VIOLATING THE DODD FRANK ACT.
Consumer complaint received 2020-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of my credit report.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MO)

I have a mortgage with Caliber Home Loans, and am working to refinance the loan. Early in the process we agreed to terms, and they requested we lock in the rate. So we did. However, they only locked in the interest rate. They changed the points amount throughout the process. We noticed early on that the points were increasing to get the previously agreed upon interest rate and amount related was increasing over time. 

Because we noticed this and brought it up a number of times, they gave us a lenders credit to offset the difference. Therefore, we don't personally have any damages ; however, this is an extremely sneaky practice by Caliber to increase the amount they charge people for mortgages. I am sure there are a significant number of people that they have done this to that have not identified the changes.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was trying to load money onto my XXXX XXXX  card but kept coming up that transaction has been denied. Thinking it was Bank of America that blocked the transactions due to fraud, I called to have them approve of the XXXX XXXX transactions. Which was just loading the XXXX XXXX card with {$250.00}. Next thing I know, {$3000.00} was taken from my account and was transferred through XXXX to someone I do not know and Bank of America said because it was a XXXX transfer that it goes through immediately and there was no way for them to stop the transaction. This happened XX/XX/XXXX, today is XX/XX/XXXX. Ive yet to get this issue resolved. BOA said they can not refund me the money because it was sent to an email they could not trace. Im heartbroken. Ive been with the bank since XXXX. Nothing they can do for me.
Consumer complaint received 2020-06-22
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. (NV)

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

To whom it may concern ; It was recommended that I file a complaint with the CFPB after filing a similar complaint with State of Minnesota - Office of Attorney general. 

My complaint is as follows : - I am reacting to an eviction notice that was taped to my front door on XX/XX/XXXX ( ... ..I am told this was the tail end of the loan foreclosure redemption period ; leaving me only a couple hours to address officially ... ) It was in my meeting with a lawyer the next day that revealed all this was indeed pertaining to a 2nd loan ( the 20 % of an 80/20 loan ) from Countrywide. 
XX/XX/XXXX - XX/XX/XXXX : -Bank of America took over the loans when Countrywide folded. The recession hit, and I applied for Loan Modification. While going through Loan Modification ( MHA ) in XX/XX/XXXX, I was instructed to stop paying both loans, given trial payments, and eventually signed paperwork for a single loan which remains current to this day, not having missed a single payment. 
The 2nd loan was apparently left in the wind, going unreported to credit bureaus, allowing me to apply for and receive credit cards ; and more recently ( XX/XX/XXXX ) - to purchase a brand-new car on a loan with my credit @ 750+ and no mention of a foreclosure. It has apparently changed hands several times until an investor purchased the loan, and started foreclosure in XX/XX/XXXX the redemption (? ) period has also been allowed to run out all unbeknownst to me. 

Being in good standing on my current loan over the years since I went through Loan Modification ( MHA ), I have resisted all attempts by anyone attempting to give me information ( papers, etc.. ), or try to convince me that there was a foreclosure directed at my property, because there has been no indication from Bank of America they have been taking my payments for 8 years since the loan ( s ) were addressed in the XX/XX/XXXX modification. The people who turned up at my door ( I think there were 2 occasions ... .. between XXXX and XXXX at night ) were unable to convince me that my home was in foreclosure ; more importantly they absolutely did not articulate that this had to do with the old 20 % 2nd mortgage. 

The company that now holds the title to the property is " XXXX XXXX XXXX XXXX '' - I was advised by MN Attorney General 's office to file this matter with OCC ; I have given MN AG authorization to contact Bank of America, and we are waiting to hear back from them. 

The Eviction proceeding, from a company called XXXX XXXX XXXX XXXX ( apparently a single individual who lives in California, and has no license to service loans in Minnesota ) was put into continuance until XX/XX/XXXX. XXXX hold the title to the property through a foreclosure that took place without my consent or formal knowledge. 

-please send along any applicable recommendations - I am not aware of my rights in this entire situation. 

-thanks for your attention to this matter.. 

-all the best, XXXX XXXX XXXX XXXX , MN XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (ME)

I have finally managed to get LVNV Funding off my credit reports due to them reaging a time-barred debt, but when I applied for a mortgage loan I found out that they had a small claims court order against me made in 2016 that I had no idea about and never received notice of. In addition, when I sent a request for verification of the debt I never received any response and to this day have never received information about this debt other than the court documents I found out about through my mortgage loan application.
Consumer complaint received 2020-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2020, I used my Capital One credit card to purchase a trading software from a company called XXXX for {$430.00}. The software never worked! 
Capital One is responsible to help me protect my purchases when I purchase defective items as per law but they are NOT protecting my purchase at all and have left the charge on my account! I don't understand how they can do that since that is the very reason I used the card to make my purchase! I believe the law says that if you use a credit card for anything and it does not work, the customer is not at fault. 
I called Capital One but they don't care at all. 
Can someone please help me and make them follow the law? 

Thank you so much! 
XXXX XXXX XXXX ( Please see attached proofs )
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC (IL)

Carvana illegally ran my credit without my permission put a hard inquiry on my credit report on XXXX I did not sign or agree to this Hard inquiryI would like Carvana to remove this inquiry from my credit report as soon as possible and adjust my credit score accordinglyI sent a letter to Carvana on XX/XX/XXXX and I have not gotten a response.It has been over 30 days and I would like them to remove it as soon as possible
Consumer complaint received 2020-06-21
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. (NJ)

I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!
Consumer complaint received 2018-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/XXXX my mother passed away unexpectedly. As Beneficiary of her property left me to pay her equity, utilities, and other payments alone. I am XXXX  and receive Social Security benefits to live. I have lived with my mother off and on for over 35 years paying rooming expenses, and working where I can. I purchased a car in XX/XX/XXXX for us after the car we had for transportation was too expensive to repair. It was left to us in my father 's will when he passed. The car I had before this had been stolen, wrecked, and a hole punched in the gas tank rendered it useless. In the past I have been on time with my payments, insurance, and taxes but it very difficult for me to maintain the same payment regimen without mothers Social Security and Pension that supported us both. I can no longer afford to make the past due amount of {$750.00}, there is nothing left of my benefits after the Mortgage and utility payments are made. When I spoke with a representative to request a reduction in payments for 6 months or more my request was denied. He did offer to allow me 30 day delay to make a regular monthly payment that would be retroactive to not reflect the lapse. I was not able to comply due to heavy expenses of paying utilities that had threatened to be shut off. A recent letter stated if past due payments were not received by XX/XX/XXXX the lender is prepared by law to take repossession action to recover their loss and any under payment they received as a result would be billed to me. I am not arguing their right by authority to repossess the car, but I do wish to mention that since I have had the car I have received at least 3 Recall Notices for mandatory repairs that were required legally and deemed unsafe malfunctions. Although I never had to pay for the repairs, it is scary to know the car we were driving may have dangerously faulty parts that may malfunction at any time. I feel that I should not have to owe them anything if they repossess the automobile. I realize I will be out of a way for private transportation, but public transit is a possibility I can utilize even though I have a XXXX, walking is difficult and painful at times for me. This was the main purpose of purchasing an automobile, it did not matter if it was shiny and slightly used or a XXXX XXXX rebuilt as long as it could safely take me and mother to and from our destination. I am hoping the lender will allow me additional time, with a reduced monthly payment but I seriously do not believe this will happen. On the other side, if the lender repossesses the auto then give me some credit for timely payments, mandatory repairs, and omit any interests they may claim I owe them as a result of their actions. I would like to keep the auto, but if letting them repo it is a solution to the past due amounts I will not stand in their way. 
I hope a mutually compatible agreement can be reached either way. Thank you for any help you may be able to provide. Sincerely,
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2020-06-30
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. (CA)

I purchased a spring break vacation trip XX/XX/2020 to XX/XX/2020 to XXXX for my family ( XXXX, XXXX, and I ). XXXX booked the resort and the airline tickets thru XXXX XXXX for the three of us. Before XX/XX/2020, XXXX XXXX cancelled the flight and offered no alternative travel arrangements. The Federal Government issued an order banning all non-essential international travel. This trip was a vacation outside of the United States which is considered non-essential travel. The State of California issued a stay at home order prior to the scheduled travel date. If we flew on this flight, it would have been a violation of the state order. 
It is important to note that we still wanted to travel on this flight and were ready to travel. However, we were unable to do so due to XXXX XXXX cancelling the flight and offering no alternative flight. Therefore, by responding to my dispute, XXXX XXXX is attempting to charge for a service they never delivered. Furthermore, we also were in no position to violate any Federal and State orders not to travel. 
It should be further noted that the airlines have been ordered by the Federal Government to refund fares paid for by consumers. Therefore, XXXX XXXX should not even being responding to the dispute. 
Finally, per the fair credit reporting act, Citibank as a credit card company can not charge for a product or service that was never delivered. When XXXX XXXX cancelled the flight and offered no alternative flight, they were in essence trying to charge for a service they were unable to deliver. 
Therefore, if Citibank decides to rule in favor of the airlines for this dispute, Citibank will be in violation of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act which provides a per violation penalty from {$3500.00} to {$3700.00} per incident. 
I did submit my dispute with Citibank, and all the required documents to prove that XXXX XXXX did indeed cancel their flight. Also Citibank only refunded one ticket and rejected my two other tickets.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: FISERV INC. (FL)

I received an Economic Impact Payment card from Money Network Cardholder Services and I phoned the number provided XXXX XXXX but only got recorded messages. There is no phone number to reach a human. 
I want to get the Money Network checks which they refer to and which are referred to on your website, but I have not found any way to get these.
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed XXXX XXXX XXXX Account # XXXX- paid charge off with Transunion on the following dates XX/XX/2018, XX/XX/2018,XX/XX/2018. 

I received " XXXX '' alerts on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. The alerts stated that " A Negative item listed on your credit report has been removed in your Transunion data '' ( XXXX XXXX is the only negative item on my report ) I looked at the myfico credit monitoring service and saw that the negative item was still reporting on Transunion. ( the charge off is the only negative item on my report ). XXXX customer service said to call Transunion and asked for an explanation as to why this is still reporting, because Transunion clearly transmitted information to XXXX that the negative information was removed and should not be listed in my credit report. 

I called Transunion at XXXX and waited for the prompts to connect me to a Transunion credit specialist, I was repeated connected to customer call centers located either in XXXX or in the XXXX. I tried to explain the situation each time and they opened up new disputes and I received the same results. Verified by creditor.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (AL)

Hi, PayPal closed my credit account this month with no warning. I had the balance paid off and everything, and I never had any issues. While XXXX  this problem, I saw that it happens to many people. I just thought someone should be aware that they cancel paid off credit cards for no reason.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX XXXX