davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Had a savings account at HSBC bank got a letter that said refer a friend and receive {$500.00} if you open a checking account with your savings. Went to the bank to open one. The bank associate told me that she was not sure how to open the account so I would get the refer a friend money and the person who could help me was not in that day. She told me the best thing to do is open the account on line. So I went home and opened the account online because she could not do it at the bank. I went back to the bank with the account opened and the other person XXXX who was not there to help me the day before took care of the refer a friend. I waited months and got nothing so I called and they told me because I opened it up online I was not entitled to the reference money that it had to be opened at the bank. Because the bank associate gave me wrong information and did not do her job right I lost out and had a checking account I did not need or use. I deposited my 1st gov. stimulus check into the account. I asked to receive statements by mail but never got them. months later I went online to check my accounts and my checking account had minus XXXX. They had taken {$50.00} a month for 6 months out of my account and left me with a minus XXXX. After a few phone calls I got back 3 months of fees but I am still out {$150.00}. I was not told about any fees and was never notified that my account was in the minus. I really haven't been using the account at all and did not need it I only did it for the referral, now not only did I not get the {$500.00} referral money they also drained my account. I am XXXX years old and live on social security and savings and {$150.00} is a lot to me not to mention the {$500.00}.
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Please see complaint ID XXXX. 

Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX FCU XXXX Balance : {$23000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. XXXX sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (FL)

I signed up for a no interest credit card with XXXX which had a promotional period of XXXX. That period would have ended on or about XXXX XXXX. On the date I received the card, I purchased a custom item that was then installed weeks later, in XXXX. On XXXX occasions shortly after the installation, the items showed defects. I reached out to the jcpenney to address the problem, which was addressed. In XX/XX/XXXX, I called the jcpenney store, once again as the replacement items, yet again, showed defect. I waited XXXX months before XXXX decided to address the problem, shortly after I filed a complain to the corporate office. In XX/XX/XXXX I had a balance of {$580.00} on the promotional period left and made a payment of {$180.00}. The intention was to make a total payment but was hesitant due to the reoccurring issues with the shutters. In XX/XX/XXXX, I was advised by synchrony that I needed to wait until the promotional period before they can open a dispute on the purchase. They also added that due to the nature of the issue, there will be no interest charges and if any added thereafter, will be removed. By that time, I still made the decision to pay the {$180.00} of the balance, with hopes that XXXX would do the right thing and address the quality issues of the items. XX/XX/XXXX came and still no response from XXXX, I then opened the dispute with synchrony, who at the time assured me that any fees added on the balance of {$400.00} would be removed after the dispute is closed. On XX/XX/XXXX, I received an email stating the dispute was closed and my account showed a balance of {$870.00}. This means synchrony doubled my ending balance from $ XXXX even after they assured me that fees will be assessed. I contacted synchrony to remind them of recorded conversations about the fees and interest and advised me that XXXX stated they addressed my concerns and services were rendered. As a result, the interest charges will stand. I immediately contacted the store XXXX, XXXX XXXX who stated she was under the impression that the replacement item was installed and i assured her that it was not. She also advised me that the matter with synchrony would also be taken care of. The issue with the items wasn't addressed until early XX/XX/XXXX. XXXX reported that they have done everything they could and are not responsible for quality issues of the product as the products come from a contracted manufacturer, XXXX. They also reported that they can not assist with synchrony because they were informed by synchrony that i stopped making payments on the account. XXXX informed me that they have not received any call from XXXX at all. I am concerned about the lies and misinformation told by XXXX and synchrony. This type of practice is used to gain additional money from customers and I am assistance to address the problem.
Consumer complaint received 2021-01-21
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: U.S. BANCORP (AZ)

I bought a new XXXX XXXX XXXX that was financed through US Bank. ( not my pick ). Per their records my loan was paid off on XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX the bank closed my acct. and sent an electronic release of lien to the Az. DMV. The DMV said they never received the release and the bank doesn't follow up electronic correspondence. I spent the next 3 wks. calling their customer service people, never the same one, 2-3 and 4 X day to try to get them to send another electronic release to the DMV. I have never gotten an answer as to why they won't do it. I am trying to sell the car & had someone to buy it 7 wks. ago. I also can't talk to the people in charge of sending the releases ( reason unknown ). I have run out of people to talk to.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST (VA)

We financed a motorhome through Essex Credit ( dba Bank of the West ) in XX/XX/2020. They financed in our tax, tags and title costs but never sent the state taxes to Virginia and never ordered our tags. We have been unable - since XX/XX/2020 - to use our RV as it is STILL not street legal because Essex Credit refuses to assist us, despite our dozens of calls that never get returned. We even filed a previous complaint with the XX/XX/XXXX to no resolution.
Consumer complaint received 2021-01-21
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. (GA)

I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as XXXX. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or XXXX XXXX.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

Today is XX/XX/XXXX. I closed a refinance on my primary home the end of last year with Loan Depot. It has been more than 20 days and my loan hasn't funded. My loan processor, XXXX XXXX. NMLS license number XXXX told me the underwriter is requesting additional documentation ( XXXX P & Ls ) for a loan that has already closed but not yet funded. Her namager is XXXX XXXX.
Consumer complaint received 2021-01-22
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. (CA)

I filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.
Consumer complaint received 2021-01-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (MS)

I did a reverse mortage on my paid for home. At the time I was mentally unstable. The company made arrangements with all services that were supposed to be done and paid before reverse mortage could be done! Appraisal, termite treatment and other. After loan I had to pay these expensive things which left me hardly any money. The house needed major expensive repairs. I was last with no money to repair house. Now much worse. Owe XXXX. XXXX to fix is XXXX and neighborhood sells in XXXX to XXXX. Not worth doing. This leaves me with nothing to leave my XXXX childred after working since I was XXXX yrs. XXXX. The company XXXX is rude. Won't listen at all. Because of house condition insurance companies will not insure. The city condemned house about XXXX yrs ago. I still live here with not even heat. So cruel and unfair. I would have never done if I was in my right mind. Have no idea how they did this.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

XXXX XXXX is reporting that Equifax Credit Bureau reported a hard inquiry from creditor, XXXX, hard inquiry date XXXX XXXX, 2015. I have not applied for anything nor gave written permission to XXXX to have a hard inquiry being reported from them nor Equifax on my credit report. Unauthorized hard inquiry being reported from Equifax and XXXX. Immediate removal of hard inquiry reporting from XXXX and Equifax credit bureau is requested by me as this was an unauthorized nor was a written request made by me and is justified for immediate removal under State of MN credit reporting laws.
Consumer complaint received 2021-01-21
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: CORELOGIC INC (VA)

To Whom it XXXX Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not XXXX you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One authorized my balance transfer request which took 2 months for my credit Union XXXX XXXX to cash incorrectly to unclaimed funds account as Capital one registered the incorrect information. The Routing # was entered into the Account # data field on the online application by mistake and Capital One accepted a 9 digit input as a valid Account #. No one at capital one could figure out the issue when I called after I was charged on XX/XX/XXXX. I waited 14 days after Capital One explained the length of time it takes to mail the check to my current credit union. I called around 6 different times and spoke to at least to 8 different reps as no one from customer service followed up with me on resolving the issue. A balance transfer investigation was initiated and then closed internally. XX/XX/XXXX the Capital One rep said the stop payment wasn't sure why the investigation was closed and that assumed the stop payment was successful. She told me she would call me back and leave a voice message with an update after getting with the investigator. No one called me back. It is now XX/XX/XXXX and finally I called and was told by someone new that XXXX XXXX XXXX deposited the check. After waiting 40 minutes as I asked to receive that in writing ( they can only issues LETTERS via mail ) Capital One hung up on me. I called again and immediately I was transferred to the balance transfer department but with a SUPERVISOR this time named XXXX. She was awesome but its taken me 8 reps, 6 calls, two transfers and so much stress resolving this. XXXX checked me application and asked me to confirm the associated accounts which was WRONG. My routing was used as the account number field. Why didn't the application reject a shorter digit number into the account field? Why didn't capital one offer to get onto a three way call 2 months ago with my credit union to figure this all out. Now I as the customer have to get on a call with my credit union to ask for them to check " unclaimed funds '' deposits. I had no idea what was even allowable for a credit union to deposit a check to a non existent account. On one call Credit Union rep apologized and said alot of their balance transfer requests were encountering issues and now I realize why. Terrible customer service, poorly developed applications on the web, mishandled investigations, lack of communication and little care for the customer.
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: United Student Aid (USA) Funds (TX)

USA fund had placed me in collection as charged off debts in which I have nothing to do with this company. The amount of charge off was placed by USA funds are : $ XXXXand {$2600.00}. 
Thank you for for time and consideration.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (OH)

wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX
Consumer complaint received 2016-01-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (IL)

PayPal Credit contacted an individual, XXXX XXXX, whom I know to resolve a debt. PayPal Credit contacted XXXX XXXX on XXXX XXXX and indentified themselves as PayPal Credit and claimed that the call was regarding a collection of debt. PayPal Credit also stated that the debt was mine, XXXX XXXX As a results of this third party collection call to XXXX XXXX, it had ruined my relationship with XXXX XXXX! This has ruined my public reputation!
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (OH)

This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from XXXX XXXX that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, XXXX ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against portfolio recovery associates. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than XXXX weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with severe XXXX and congestion. 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. Portfolio recovery associates had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.
Consumer complaint received 2021-01-21
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: JPMORGAN CHASE & CO. (VA)

To Whom it May Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.