davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Lease
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 (MA)

I hope this message finds you well. I am writing to seek your assistance in resolving an ongoing issue regarding the issuance of the title for my XXXX XXXX, which was paid off on XX/XX/XXXX. Unfortunately, my car was involved in an accident and deemed totaled on XX/XX/XXXX. In order to process the insurance claim, my insurance company requires the title for the vehicle. 

I have been in contact with Hyundai ( Kia ) Finance on numerous occasions to request the title transfer, and I regret to inform you that despite my persistent efforts, I have not received the necessary documentation. I have made calls to Hyundai ( Kia ) Finance on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each of these interactions, I have been assured that my title was mailed to me ; however, to date, I have not received it. 

Furthermore, I have encountered discrepancies in the information provided by XXXX ( XXXX ) XXXX regarding the date of mailing and the estimated time for receipt. For instance, during my call on XX/XX/XXXX, I was informed that the title was expedited and sent on XX/XX/XXXX, with an expected delivery time of 10 business days. However, when I called on XX/XX/XXXX, I was told that the title was actually mailed on XX/XX/XXXX and that it could take an additional XXXX weeks to arrive. 

This situation has left me without a vehicle since the beginning of this year, as my insurance company is unable to process the claim without the title. I am facing significant inconvenience and financial strain due to the extended delay in receiving the title and the subsequent inability to settle the insurance claim. 

I kindly request your intervention in expediting the process of issuing the title for my XXXX XXXX. Your assistance in resolving this matter promptly would greatly alleviate the difficulties I have been facing. I understand that administrative processes can sometimes encounter unforeseen challenges, but given the prolonged nature of this issue, I am hopeful that your intervention can help expedite the resolution. 

I am more than willing to provide any necessary documentation or information to facilitate the resolution of this matter. Please feel free to reach out to me at XXXX or via email at XXXX. 

Thank you very much for your attention to this matter. I eagerly await your response and hope for a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

date range of transactions : XX/XX/2023 - XX/XX/2023 total amount : {$17000.00} actions taken : attempted to create a class action lawsuit from law firms. Having problems with Chase service called " My Chase Plan ''. So far, can't find a firm to resolve this concern. 

carding ending XXXX $ XXXX $ XXXX {$190.00} $ XXXX {$1400.00} = {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX $ XXXX {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX {$960.00} = {$110.00} $ XXXX $ XXXX {$21.00} $ XXXX $ XXXX {$16.00} $ XXXX $ XXXX {$110.00} total cost for card ending XXXX : {$12000.00} total fee for card ending XXXX ( disguise as interest ) : {$1000.00} carding ending XXXX $ XXXX $ XXXX {$940.00} total cost for card ending XXXX : {$4400.00} total fee for card ending XXXX ( disguise as interest ) : {$940.00} total cost for all cards : {$17000.00} total fee for all cards ( disguise as interest ) : {$1900.00}
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I used my United Explorer Chase Visa Credit Card to purchase two tickets round trip XXXX to XXXX departing XX/XX/year> and returning XX/XX/year>. Flight number XXXX going to XXXX and XXXX coming back. The ticket numbers are XXXX and XXXX. The ticket does not include a free checked bag, which I thought is not a problem because my Credit Card benefit states that I get one free checked bag for me and my companion AND priority boarding if I purchase a XXXX XXXX flight using my United Explorer Credit card. Today XX/XX/year> I found out that the flight is not operated by XXXX but that XXXX is operating the flight and XXXX is simply selling tickets as if it is a XXXX flight. Being worried that I would have problems with free luggage and priority boarding I contacted XXXX to ensure the free checked luggage and the priority boarding would be available on the XXXX flight. The agents told me that their promise of free luggage and priority boarding would not be honored on the XXXX flight because it is not XXXX operated and because I purchased the ticket from the travel agency " XXXX '' and not directly on the airline web site. I disagree with their characterization of facts. Number one nowhere in the Credit Card Terms does it state that the ticket has to be purchased from the airline website directly. The travel agency " XXXX '' is not listed as excluded. Second how should I know that the flight is XXXX operated, when the flight is sold as a XXXX XXXX flight with a XXXX XXXX confirmation number and XXXX XXXX XXXX symbols next to my reservation confirmation. I believe this is a " Bait and switch. '' I am paying {$100.00} for this credit card per year and expect to use the advertised benefits when folloing the credit card companies instructions on how to receive the benefits. The Credit card is broadly advertised by displaying only two conditions for free checked bags and priority boarding. It is advertised that one has to purchase a XXXX flight using the United Explorer credit card. I did this and I expect the promised benefit.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I open a new account with navy Federal bank and the approved me then a couple days after they put a hold on my account bc they say another bank I'm guessing they talk about XXXX XXXX XXXX which thet account was open in my name without my knowledge in another state I have been fighting this for months and there is still a hold on my account
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (OH)

This company has confusing and misleading advertising. 

On their website, it clearly says that checking eligibility will not affect credit score and not leave a hard inquiry. 

I applied a total of 4 times and it would say I am approved for a line of credit, then I wasnt, then I was approved and once more I wasnt. 


I never received any money or a line of credit from this company. They still left a hard inquiry and it removed XXXX points off my credit score. 

This is false advertising
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Financial Services has arbitrarily and improperly reduced credit limits of several of my store cards. These actions are unwarranted and were done in retribution because of my previous complaints for improper late fees and finance charges. 

See CFPB Complaints # XXXX and # XXXX. 

Credit limits and credit scores are directly linked. Credit scores reduced because of disputed accounts, etc., are often ( as in my case ) eventually resolved in my favor. Yet those temporary score reductions too often trigger card issuers ' " risk analysis '' software to reduce credit limits. Those reduced credit limits in turn cause an increase in % of credit used and a decrease in % available credit- which then substantially reduce the credit scores even further. This uncontrolled chain reaction itself has nothing to do with my actual creditworthiness, yet it unfairly penalizes me, causing substantial financial harm.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

My account with GM Financial was never late! I have had exceptional payment History With GM Financial and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
GM Financial never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports GM Financial - XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (AL)

Credit Karma refuses to allow me to access my account, which contains about XXXX belonging to me. The company bases on the claim that my documents showing proof of identity are not sufficient, despite me showing a birth certificate, social security card and valid driver 's license. There is a fraudulent number on the account, and the company will neither remove this or allow me to change it. The company also refuses to close the account and remote my funds to me.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/year>, I transferred money from my XXXX account to TD Bank in the amount of {$86000.00} according to wire instructions I had received in the process of communicating with the loan officer and Title company for the purchase of a property in TN. On the morning of the XXXX, it was discovered that the wire instructions were fraudulent. On the same morning of the wire transfer, at XXXXXXXX XXXX XXXX  ), I called XXXX and asked urgently to halt the transfer. The money was withdrawn from my account at XXXXXXXX XXXX XXXX XXXX The FBI and XXXX XXXX that my money is in " a holding account '' but that TD bank is globally unresponsive and no one can say if or when my money will be returned. XXXX has not gotten answers from TD bank either.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Follow-up to filed complaint XXXX. A BOA rep called from number ( XXXX ) that doesn't except phone calls but finally was able to answer phone today XX/XX/2023 at approximately XXXX. XXXX the BOA rep says the account was opened by someone who lived at that address and was unable to confirm even though I provided prior owners name. XXXX said account has been closed but was unable to provide closing date and would be normal for me to keep getting statements on a closed account - XXXX was refusing to cease and desists, and remove my address from the account.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (GA)

I logged into my blockchain wallet on the XX/XX/2024 to check my Bitcoin balance, only to see that my Bitcoin account is swapped with XXXX  XXXX.

I have no clue what that token is, I did not buy that token. I had NEVER heard nor known XXXX XXXX exists. 
I reached out to Blockchain, but they absolved themselves of this transaction and have not explained what happened to my bitcoin balance nor explained how I got XXXX XXXX in my wallet. 
I have attached a screenshot of what is seen on my wallet having XXXX XXXX. 

Please I am reporting this because I need explanations from Blockchain, and I want my bitcoin BACK!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately XXXX  years I notified XXXX on XX/XX/year>, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/year>, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/year>. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX XXXX and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, XXXX, XXXX, along with EQUIFAX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, XXXX, XXXX as well as Equifax, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: A-1 Premium Acceptance, Inc. (TN)

On multiple occasions, the business has failed to auto-draft payment as scheduled and agreed upon in order to secure a high-interest loan, the most recent was payment scheduled for XX/XX/2024. After manually making a payment online, I was emailed on XX/XX/2024 a notice of delinquency from the company, threatening to turn my account over to collections if payment was not made within 5 days. The customer service representatives are never able to provide specific information about the account balance, interest accrual, payment amounts, and how payments are applied to the original principal that was borrowed or interest and fees that are added to the balance. In addition, the website is not helpful or user friendly, and the periodic communications about your account, sent by email, are not accurate, up-to-date, or informative.
Consumer complaint received 2024-03-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Georgia Student Finance Authority (GA)

I am writing to dispute present/previous account status/ payment history profile/ payment rating. Also, the inaccurate and unlawful information that you have furnished onto my consumer report does not only meets FCRA compliance standards it also violates my consumer rights as stated below in 15 U.S. Code 1681a ( 2 ) Exclusions. Your unlawful practice by furnishing transactional and inaccurate information onto my consumer report has led to my demand of immediate REMOVAL from XXXX, XXXX, and XXXX also all secondary consumer agencys The illegal furnished account stated above has inaccurate information and LATE PAYMENT INFORMATION ( which are transactions NOT debt ). Ive Attached documents as proof. 

Georgia Student Finance started receiving dispute letters from on XXXX for furnishing information I did not give a written consent to furnish. From XXXX XXXX oXXXX XXXX an ongoing Georgia Student finance has furnished inaccurate information also late payments which are not to be reported, this is another violation of my consumer rights. Late payments are to consider transactional, and transactions are not reported as stated with U.S. codes in my attachments. Georgia Student Finance has ignored this issue which has caused me mental anguish.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

From XXXX XXXX they provided me an incident number XXXX on XX/XX/2023. I never received confirmation that this issue was resolved. I checked XXXX today and see that the debt collection company, I C SYSTEM INC, still hasn't removed the collection.