davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
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: CarMax, Inc. (IL)

I paid off my CarMax Auto Finance car loan thru re-finance from another lender on XX/XX/2021. Once paid off I cancelled my gap insurance and Carmax extended warranty plan at the Carmax dealership in XXXX, IL. On XX/XX/XXXX I was due a refund for the cancellation of {$3000.00}. The refund was applied to my closed Carmax Auto Finance instead of just giving me a check. I called a week later and 2 representatives I spoke with stated it takes 7 business days to get issued the refund because it needs to be approved by a manager. As of today my full refund have not been processed. I spoke with XXXX in the resolutions department, which she was very helpful and understanding. She was able to get a response from a manager who told her itll take 2-3 weeks. I shouldnt have to wait another 2-3 weeks to receive my refund, due to Carmax Auto Finance slowness . This refund was applied XX/XX/2021, which has already been XXXX weeks. The refund was already approved at the Carmax store. Paperwork was already signed.
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NM)

Village Capital Mortgage XX/XX/XXXX Tried to log in to my mortgage account to check on taxes. Says login not recognized. I have had a mortgage with this company for over 12 years. Refinanced the loan in XXXX and went through the process of establishing the new loan on line. Now, it's a problem because- not only can I NOT login to check on the loan, NO ONE ANSWERS THE PHONE WHEN CALLING DURING BUSINESS HOURS. 

XXXX XX/XX/XXXX Same exact issue. All I want is someone to help me to be able to access my account online so I don't have to CALL. 
ALSO - you would think making millions off of their consumers, they'd do better on their hold music. I understand they probably want you to hang up, but geez. They know how long their customers wait. 

A mortgage is a very pricey and important account. If these people can't keep up they need to sell their mortgages and shut down.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (CA)

Dispute of Debt and Request for Validation and Information Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB I am writing to formally dispute a debt of XXXX that is being collected by ( The Best Service COXXXX ) there contact information # XXXX they address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX . I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ THE BEST SERVICE CO/XXXX ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ THE BEST SERVICE COXXXX ]. 

* **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ THE BEST SERVICE COXXXX ] and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ THE BEST SERVICE CoXXXX ] is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ THE BEST SERVICE CO/XXXX  ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, Please Contact me Call/Text # XXXX My email is XXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

I have insurance with XXXX, tests were done by my doctor and sent to XXXX XXXXXXXX XXXX  had one letter wrong in my insurance group ID number,, so Insurance denied claim. I called numerous times quest and had my group ID number corrected, requested several times to submit new claim with correct number, but they never gave me new claim number. My insurance company is asking for claim and claim number in order to pay it. now XXXX XXXX in Illinois is telling me they send my bill to collections company and I have to pay only to collection company full amount even though they have contracted rates with XXXX  and XXXX will honor all claims as long as its not 1 year old. Collection company telling me they will report it to credit borough and it will ruin my credit.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I Sent a Good faith negotiable instrument into company which is a promissory note making Capital one Auto Finance a fiduciary collector for certified funds remit at par which follows all the laws of negotiable instruments which is my God given right to tender. Capital one auto finance is keeping my instrument and did not apply funds to principle for settlement and closure. I called and explained UCC subsection3-310 ( b ), 3-311, 3-603 and public policy at house joint resolution 192 of June 5, 1933. Instead I was fraudulently reported without due process. They also placed a cease and desist on my account without my knowledge. Again they kept my negotiable instrument worth millions of dollars which is my property if it will not be processed.
Consumer complaint received 2018-12-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been paying my loan. XXXX XXXX XXXX XXXX applies the payments to a different account and reported me late to all three credit unions.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

It's been over 30 days, and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment, they have not supplied this information and they must delete the payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from my credit report asap, late payment : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

The company states that they are an indirect automotive finance company, is not related to the dealership, XXXX XXXX, or any other dealership, was not present at the time of the transaction, and did not participate in any of the negotiations therewith however, as the XXXX, they bear responsibility for the terms and conditions of the loan contract they administer, therefore should be considered responsible for the high pressure sales tactics that the dealership used in order to enter this contract. Again, I was misled by the salesperson regarding the inclusion of the trade-in balance in the new car loan. The discrepancy between the salesperson 's representation and the actual terms outlined in the contract should not fall on me as the consumer. The co-signer witnessed the tactics that were used and was also misled by the salesperson. How can a contract that is entered with 1 party being misled be valid? A misunderstanding such as this indicates a lack of transparency or potentially deceptive practices for both the dealership and the company used to assign such contracts.
Consumer complaint received 2022-01-03
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-11-28
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 found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked experian, XXXX and XXXX to block the account due to identity theft. 
Experian blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I have made all my payments on time through my bank. All my bank statements show the money being withdrawn from my account on time for each monthly payment. Mr. Cooper has lost two of my payments and has yet to fix their error even after my repeated attempts to resolve this problem. 

My account now shows over 60 days past due, plus hundreds of late fees. Because of their error my credit will be affected and I may not qualify for a refinance on my primary home.
Consumer complaint received 2023-01-20
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Hard to tell what has happened but it appears that Wells fargo has chosen to apply 100 % of my XXXX payments to interest. 
I was in approved forbearance until XX/XX/XXXX with a XXXX XXXX  backed mortgage. XXXX XXXX forbearance rules prevent accruing interest on forbearance by servicers. WF did add a " unpaid second principal balance '' to my loan for the 11 payments I missed [ $ XXXX {$10000.00} ] I made a total of XXXX payments in XXXX [ XXXX ]. My XX/XX/XXXX principal balance was {$160000.00}. My XX/XX/XXXX balance increased to {$160000.00}. My XXXX from WF indicates " total interest applied '' of {$6200.00} plus payments applied to previously deferred interest of {$3300.00} '' for a total of {$9500.00} [ suspiciously also the total of payments made in XXXX [ XXXX ] ] They are charging me interest on deferred payments in contravention to guidance from XXXX
Consumer complaint received 2023-03-02
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. (CT)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX  XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I have three zero-balance accounts with PNC Bank that I would like to close. 

At approximately XXXX eastern time on XX/XX/2022 I was connected with a representative who gathered my information, carried on a conversation, and asked how she could help. The call quality was pristine. As soon as I told her I wanted to close my accounts, she immediately said that she could not hear me. For roughly 90 seconds, I would say something, she would immediately say " I can not hear you '' only after I spoke. When I pointed out that she only said that when I spoke, she quit responding and disconnected the call roughly 15 seconds later. 

Further attempts to request a callback or reach support via the @ PNCBank_Help XXXX account have not led to any communication from the bank, and since they do not offer an online account closure I am unable to close my accounts.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

I sent a response to the AFNI Inc well within the time frame that was posted on the letter to respond. The company was supposed to validate the debt and send me the requested information contracts and supporting information to prove that I owe the alleged debt. They still reported the debt to the consumer reporting agencies. By law stated in the CFPB guidelines the Collection agencies are not supported to report info that is being investigated.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My Name is XXXX XXXX and on XXXX XXXX a letter was mailed to me from Santander Bank congratulating me on opening my new account with them. I received the letter in my mail on XX/XX/XXXX. The problem is that I did not open an account with them. I tried to contact the bank by telephone and after 30 minutes on hold I hung up and decided to go to a local Santander Branch. I am not nor have I ever been a customer of Santander Bank. I spoke with XXXX at the XXXX XXXX branch in XXXX MA and she helped me in contacting Santander fraud department. 
XXXX tried to be helpful. When the fraud department was contacted they took a statement from me and asked questions for their investigation. I was then told that the fraud department may or may not call me to ask further questions. Then I asked a few questions of my own. I asked for contact information for the fraud department to follow up on their progress on resolving the matter on the account. I was told that the fraud department does not have a contact phone number. I then asked how I would know things were resolved and the account closed. I was told to check with the credit agencies and to let them know that my identity was compromised, but gave me no indication that Santander, who opened the account, would let me know when this situation with them was resolved. 

I then asked if they had any information on where the account was opened and how much money was used to open the account and they were unwilling to give me any information. I have not opened a new bank account in a number of years, but I said I thought an ID and validation of a social security number were required to open an account. They would not answer that information other than to state it was possible for someone to open an account on line and would not answer me when I asked if they collected what I thought would be the proper documentation required to open an account. I became very frustrated as I am obviously a victim of identity theft and the bank was unwilling to help me gather details on the situation for me to report this to the government, the credit bureaus, and companies that I have a financial relationship with such as credit cards, my mortgage company, etc. 

Can you please explain to me what banks are required to do when opening an account. Specifically, what documents do they need to inspect before opening an account ( driver 's license? proof of residence? social security card? ) Also, I would like to register a consumer complaint on how I felt I was being stonewalled and restricted from obtaining information on the resolution of the specific transaction involving the theft of my ID with them.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-10-12
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. (MO)

I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you very much Delete from my report
Consumer complaint received 2022-01-03
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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. 
I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. 
She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. 

Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. 

I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call.