davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX - Citi misprocessed a check for {$1100.00} ( the statement amount ) as {$11000.00}. ( Note the extra XXXX in the ones position. ) They then ACHed this amount directly from our bank account, fraudulently taking an extra {$10000.00} ( {$11000.00} - {$1100.00} ) from the account. 

It appears that they did not do any verification of the check amount. 

This is not a trivial error. {$10000.00} is enough to bankrupt many households. 

I use the term fraudulent because they were not authorized to withdraw {$11000.00} from our account. If there is a more appropriate term to use, please substitute it in the following. 


XX/XX/XXXX We received the XX/XX/XXXX statement showing the problem. We immediately contacted Citi Customer Service. The initial response from the Customer Service rep was : Great! Now you dont have to pay your bill for a while!

We requested that the fraudulent charge by ACHed back into our account. They responded that first Citi had to do an investigation into why our account had a credit balance and that while the account is under investigation, we can not get anything back. 


XX/XX/XXXX We received a letter from Citi saying : Were verifying recent payments on your account so we can process your request for a refund. Please allow 10-14 business days for us to respond to your request.

This is the only communication we have received from Citi. 


XX/XX/XXXX We contacted Citis Retention Department. They were also unable to help. They did say that on XX/XX/XXXX, Citi decided it needed a new investigation to determine why they had not sent us a check. Again, since the account is under investigation, we can not request a refund. They did say that whatever we did, do not cancel the account because then we would never see our money. 


XX/XX/XXXX As of this date, we have not had any further communications from Citi. They have not returned our money. They did apply some of it to subsequent charges. At this time, we are owed {$8500.00}, which is the XX/XX/XXXX statement balance. 


According to the Account messages on the statement, any credit balance not resulting from a disputed charge can be refunded by calling the customer service phone number and requesting. We have made such requests. They have refused to honor them. 

It appears that Citi is generating investigations solely to avoid returning the funds that they fraudulently acquired. Note that their investigations are into their own processes and not into anything we may have done, but they are using them to penalize us. 

Throughout this process, Citis Customer Service reps have been unhelpful to outright rude and obstructionist. The impression I got was Yeah, Citi does this and there is nothing we can do.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding inaccurate credit reporting to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). Despite making timely payments on my Chase Bank account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/year> on XXXX, XXXX, and XXXX 60 Days Late : XX/XX/year> on XXXX, XXXX, and XXXX These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with Chase Bank, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with Chase Bank.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit, Inc (MN)

My leased car was repossessed while I was making every payment. I sent them {$17000.00} to get the car back and they still wont help me get the car. They will sell it on XXXX. Please help me!! I Im running out of time.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Subject : Formal Complaint Against Hyundai Motor Finance for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Hyundai Motor Finance regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from Hyundai Motor Finance that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from Hyundai Motor Finance that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and Hyundai Motor Finance assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, XXXX, and XXXX still reflect multiple late payments that should have been cleared. Specifically : XXXX & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with Hyundai Motor Finance and the credit bureaus, but the errors persist. Hyundai Motor Finances refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. Hyundai Motor Finances failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in Hyundais possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

Since, XX/XX/year>, I have contacted Hyundai at least 15 times to correct two payments made by an insurance company one in the sum of {$2500.00} and the second payment of {$720.00}. The issue is that I have asked them to remove the {$150.00} interest on the payments from the insurance company. Hyundai keeps applying the interest of {$150.00} between the two principal only payments. They will not remove this interest payment. 

On XXXXXXXX XXXX XXXX, I made my regular payment, {$440.00}, the applied {$430.00} toward principal and only {$8.00} towards interest. They refuse to let me talk to their department who applies the payments and tell me they will correct it and have not as of this date XX/XX/year>.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DC)

On XX/XX/XXXX {$1000.00} was taking out my account and was sent through XXXX XXXX which was unauthorized by me. I reached out to my bank chime about it and they denied me in XXXX day so I filed a police report on XX/XX/XXXX gave them the police report number and now their going to reopen the case which I dont know if they are, also I told them I needed it back expiated because I have rent to pay. They said they were but I feel like they are not doing anything to help me its always a issue with them
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My account is currently in dispute with Portfolio Recovery Associates however I received a call from them from number XXXX at XXXX XXXX on XX/XX/year>. Please find attached the letter I received from them confirming the collection is currently being disputed. 
They are in violation of 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt XXXX. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2024-09-05
Product: Credit 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: JPMORGAN CHASE & CO. (MD)

On the evening of XX/XX/XXXX we had a scheduled flight on British Airways to XXXX that was cancelled a few hours before departure. British Airways emailed us that we were going to be rebooked on United Airlines the following day. My husband XXXX United to get their phone number to call them and see if they could get us out the same day as we were going on a XXXX and really needed to get out that day. 

We called what XXXX showed was United Airlines. The man on the line told us he was United Airlines and he could rebook us on a flight for the same day. He encouraged us to book a round trip as that would help us get a same day ticket. We were rushed as we had a car service taking us to the airport that was waiting for us. It was taking very long and we were starting to get suspicious as the man had a strong XXXX accent. We asked him two more times if we were talking to United Airlines and he said yes, he was United Airlines. 

He sent us an email with the fare for each way. He told us United was sold out but he could get us out on XXXX XXXX. The fare seemed very high but we were running out of time so we said yes, please book us. We gave him the credit card information and he issued tickets on XXXX XXXX for the evening of XX/XX/XXXX. We still hadnt received our United tickets for the return trip. As we were driving to the airport, we started to realize that we had probably been scammed and were not talking to United Airlines. We called back and insisted that they refund our return trip with United-it took a lot of arguing and pushing but they finally agreed. 

We boarded the flight and once we arrived in XXXX, we reviewed our credit card charges and could see the fares with XXXX XXXX and United and an additional charge of {$3700.00} for booking the flights. This was not a charge we would ever agree with. There would be no fees like this if we had been booking with United. In addition, when we asked them to cancel the United tickets, they only refunded the actual fare which was much less than the fare they quoted us. That charge is a fraudulent charge and we should not have to pay it. 

We are attempting to fight this with Chase but they are siding with the merchant.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

In response to a debt validation request I submitted to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX the company provided documents that do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The documents included a statement indicating that a last payment was made on XX/XX/year>, with a charge-off date of XX/XX/year>. However, an account summary they provided shows a different last payment date of XX/XX/year>, without any corresponding statement to support this claim. This discrepancy raises significant concerns about the accuracy and legitimacy of the debt information. 

Furthermore, the documentation provided did not include the original signed promissory note or any other documentation directly from the original creditor, Comenity Bank, proving that I agreed to the terms of this debt. Despite my request for proper validation, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide sufficient evidence to substantiate the debt. 

In addition to these discrepancies, the original creditor, Comenity Capital Bank, has an arbitration agreement that requires any legal disputes to be resolved through arbitration rather than court proceedings. This agreement includes specific terms, such as a 60-day notice requirement before initiating arbitration, waivers of class action and jury trial rights, and a requirement that disputes be resolved individually and through final and binding arbitration. 

Given the failure to provide proper validation and the inconsistencies in the documentation, I have formally requested that XXXX XXXX XXXX XXXX XXXXXXXX XXXX cease all collection activities and remove the account from my credit report. However, the company has not yet complied with this request. 

As a result, I am filing this complaint to seek assistance in ensuring that XXXX XXXX XXXX and XXXX XXXX XXXX cease any further collection activities related to this disputed and unvalidated debt and that the inaccurate information is promptly removed from my credit report.
Consumer complaint received 2024-09-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was ready to take my flight from XXXX to XXXX XXXX, when all of sudden the flight was delayed, causing a cascade of missed flights and extra flights. Thus, I filed a dispute with my bank because an EU law regarding flight delays ( attached ) was broken. Bank of America did not ask me for any documentation and proceeded to side with the merchant without any explanation. I tried calling customer support. I was rerouted around to XXXX people and a fax noise... I am a loyal customer who has never seen such egregiously terrible treatment from Bank of America ever. I expect my money back.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

XXXX Wells Fargo has downgraded my account from Premium to Everyday checking. I didnt want this change but I dont have a choice now I get charged for things I never got charged for the last nineteen years. I called several people and was offered an upgrade to Premier I just need XXXX XXXX dollars in my accounts. So in order to get a XXXX dollar cashiers check for free like it has been for the last ninteen years I just need XXXXXXXX XXXX? They dont seem to care about losing my business, what a disappointing situation.
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

Requested validation of the debt from the original creditor XXXX XXXX to which now Jefferson capital the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX have charged off and closed the account prior selling it to Jefferson capital
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of the Equifax XXXX breach, there is information and accounts on my consumer credit report that I don't recognize and I believe it to be fraudulent. I am requesting that the accounts listed on the FTC report be deleted from my report immediately as it is negatively affecting my lend ability. 

XXXX XXXX Account number XXXX XXXX Card closed XX/XX/XXXX XXXX FCU closed XX/XX/XXXX 2022
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (MO)

**Subject : Request for Review of Lack of Foreclosure Avoidance Assistance** I am writing to express my deep disappointment and concern regarding the lack of assistance provided by your company to help me avoid foreclosure on my mortgage. Despite facing financial hardship, I was not offered any options or resources to prevent foreclosure, such as loan modifications, forbearance programs, or repayment plans. 

My husband of 41 years passed away in 2023 and it's been a struggle trying to get all my affairs in order. Including the mortgage. My deceased husband fought for this country. He's a veteran and it's disgusting that this is how you treat his widow. I miss my husband. 

I have all my 6 missed mortgage payments to bring my account current but they want fees that occured due to their lack of assistance for me. They only showed enthusiasm with me selling my home to XXXX XXXX. Not taking my payments. I believe this is due to me being an XXXX woman not fully aware of how the process works. I was refused a single point of contact or options. 

I believe that your company has a responsibility to work with borrowers in difficult situations to find solutions that prevent foreclosure. By failing to offer any assistance, you have contributed to my financial distress and the potential loss of my home. 

I kindly request a review of my case to determine if there were any viable options available that could have prevented foreclosure. I would also appreciate it if you could provide information on any future assistance programs or resources that may be available to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account number XXXX XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I was not able to login to my account or use my ATM card. I called citibank on XX/XX/XXXX, they stated there would be a letter explaining the reason for the closure of my account. That my account would close in 60 days, and any funds that were in my account would be mailed to me. I received a check for the amount that was in my checking account, but still have not received a check for the amount of {$980.00} ( I believe ) that is in my savings account. Called several times, and customer service representatives keeping saying it's has something to do with security, so my account is still open, it's been almost 90 days and I still have not received a check for the amount that is in my savings account. It's XX/XX/XXXX and still no check from my savings account and no letter explaining the reason for closing my account.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC (VA)

On XX/XX/XXXX I was contacted by someone from " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' depending on who you speak to. They claimed it was regarding an old payday loan. I don't recall the loan, assume it was paid, and if not it would have been discharged in XXXX and it's past the collectable date. They were rude, refused to answer any questions, attempted to get me to pay right away and used foul language. 

Later that day they called both my wife and my parents with fraudulent information about different accounts and even provided names and amounts for some of the alleged accounts. This place is a complete scam and needs to be stopped. This is affecting my personal relationships, my ability to work as I fear they may contact my employer. These scammers need to be stopped.