davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (TX)

This is now my XXXX time filing a complaint. Military personnel are eligible for SCRA benefits starting on the date they receive active-duty orders. A refund for the difference paid in interest between the 4.77 % and 3 % was not sent to me for the entire time I have been XXXX XXXX. The refund amount only reflected from the time I submit the benefit claims. Therefore, the correct refund has not been awarded. I paid the car off XX/XX/XXXX, my SCRA benefits were approved in XX/XX/XXXX with this company. I've been XXXX XXXX since XX/XX/XXXX, therefore the refund amount should reflect the interest between 4.77 % and 3 % from XX/XX/XXXX, not XX/XX/XXXX! It's a {$78.00} difference per month as mentioned previously. 

Every other company I have ever encounter has honored the policy, I do not understand why it took over a year ( after the car was paid off ) and a complaint for you all to respond. 

Also, I requested to receive a new check for the previous refund because my bank, XXXX was not able to process the check through their ATM Deposit. I requested a new check over a month ago, and have been told multiple times that I would receive a check in the mail and have not received it as of today. Any other company would have sent the new check by now, however, I keep getting the run around, once again.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I noticed a XXXX payment around XXXX dollars on my chase account I didnt make. I had lost my phone so I think thats how they did it. My daughter has my email account on her phone so she saw the alert and I called right away to let them know it was fraudulent but the rep said the fraud department was closed for XXXX and all he could do was just freeze the account. He told me to call on the next business day. I called and the fraud department said it was too late to stop because it had already gone through. I had called right away, I did my part. They are the ones that werent available. They then sent me a letter saying that they dont believe the XXXX was fraudulent even though they had to change my username and password to the account and basically make it new. I am extremely upset, this is the first time chase has let me down.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

I always paid TD Auto Finance by Telephone Pay every month, whatever the total dollar amount the voice machine said to pay. Since XXXX XXXX 5days late, my credit reports have shown late payments. 
XX/XX/XXXX - 4days late XX/XX/XXXX - 1 day late XX/XX/XXXX - 34 days late ... ... ... .16 mos+ late payments are on my credit reports XX/XX/XXXX - 52 days late None of the above is correct, I paid the amount TD Auto Finance phone pay told me to pay. I called and TD Auto Finance, verified by phone and I was correct by paying the dollar amount I was told at the time. TD Auto said I had to dispute with their company and the 3 credit bureaus to correct the negative reporting. I did report to TD Auto Finance and all 3 credit bureaus and nothing changed. This is not fair nor right, I paid every month by phone pay and if I was behind phone pay should of alerted me the correct amount every month to pay so I am not reported late to the 3 credit bureaus. Please make TD Auto Finance repair my credit ASAP to all 3 credit bureaus. I paid monthly and their phone pay shows this, so why am I being penalized for paying monthly by phone pay. My credit has suffered. Remove all negative monthly car payments with TD Auto Finance. Please repair immediately, I only have 2 car payment left. Thank you
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2021, I made an online purchase for {$1900.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. I've attempted to contact the merchant and the merchant will not respond by phone or email. I was expecting it by XX/XX/2021 at the latest. 
The merchant has not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. 
I opened a claim with Wells Fargo and was issued a temporary credit on XX/XX/2021. 
On XX/XX/2021, I received a letter from Wells Fargo stating " based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. The {$1900.00} temporarily credited to your account ending in ___ will be reversed in 10 business days from the date of this letter. '' The merchant refused to contact me but responded to the claim with an electronic signature as " proof '' of delivery. I never received the merchandise nor signed for anything and yet this claim has been closed.
Consumer complaint received 2022-12-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom it May Concern ; This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Further according to 15 USC g. ( c ) The failure of a consmer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report and compensate me for my mental as well as financial distress Thank you for your cooperation Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (TN)

I submitted a mail dispute to Experian and XXXX about fraudulently filed bankruptcies ( XXXX XXXX and XXXX  XXXX ) on both reports. I requested a fraud block and submitted all required documentation. However, Experian and XXXX recklessly and without due course, refused my fraud blocks and validated the information as accurate. Both CRA 'S failed to conduct a reasonable investigation into the fraudulent bankruptcies.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Money Management International, Inc. (CA)

I lost my job XX/XX/22. Became late and overwhelmed by my debts. I asked for help thru my bank and was deferred to XXXX XXXX. AT FIRST IT WAS GOOD, they said they need {$130.00} per month automatically taken from my checking. And my understanding was,,,, they negotiate a lower interest, and make small payments TO EACH CREDITOR. HOWEVER, they soon said they needed {$190.00} to pay my creditors. I agreed. They also told me Im 150 % below poverty level. 
I can agree because I can barely make it. I now have applied for Food Stamps. 
Ps. 
My complaint is that,, they constantly tell me I am BEHIND ON MY Zpayments and how could this be when THEY CLEARLY ARE TAKING THE MONEY FROM MY ACCOUNT EACH SOCIAL SECURITY PAY PERIOD. I do not understand, and they do not know how to explain to me clearly. 
In XXXX I could not allow the withdraw of {$190.00} from XXXX. THEY WERE NOTIFIED, said fine, and resumed in XXXX. Now I get letters each week, and notices from my bank credit cards that are to be managed by XXXX. 
THE STRESS IS KILLING ME.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (SC)

On XXXX XXXX 2021 my balance was {$1800.00}. I paid the balance in full, and I called Comenity Capital Bank XXXX XXXX powerup rewards credit card to close my account and received an email stating that my account was closed. They did not close the account and they have been charging me interest on it. what they are trying to do is nickel and dime me for chump change.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion on 4 occasions and sent in all documents requested to remove the in accurate incorrect Bankruptcy on my file, I have not gotten back any information from them I've called now for the 5th time in 5 months and still haven't received any resolution to this matter.
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX at XXXXAM ( Friday ), I initiated a wire transfer to Coinbase Inc. for the amount of {$3500.00} from XXXX XXXX XXXX 

According to Coinbase Pro : " Bank wire transfers may be credited to your Coinbase Pro account on the same day if submitted by XXXX PM PT. Otherwise, funds will be available after one business day. '' I have made several attempts to contact support and locate my funds ( and they have confirmed the funds have received notice of the wire on their end ). The best they can do is relay me to a 'specialist ' via email. I asked to speak to a specialist directly, and they do not have that as an option. Email responses are scripted. There are over 7,100 people on XXXX with the same issue. Please do something about this. This is fraud and false advertisement. 

I have confirmation from XXXX XXXX that they have indeed received the funds on XX/XX/2019. 

Coinbase Case # XXXX Thank you.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America did not disclose their selling my mortgage to XXXX XXXX. And the forbearance was affected by their undisclosed sale. By making me pay a lump sum at the end of the forbearance instead of at the end of the loan, you guys are all in on this scam designed to capture peoples homes. Despicable! 

The banking crisis which they themselves created Is screwing me out if a refi despite huge equity and great credit. Theyve got me where they want me with your help. 

I cant make the taxes work for income for a traditional loan. 
I have a few emails out to see if there is an interest with a few non-conforming lenders that would be in a position to offer a good rate. I expect to hear back mid-week. 
The great banking melt down of 2008 killed programs that were based on credit and equity. 
Ill let you know if I find something attractive.
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX  and Copy Expert Traders using the domain names XXXX XXXX XXXX XXXXXXXX '' and XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. Transunion shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than 7 years old and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX XXXX and transunion reports regarding this account. Thank you.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

We have been paying our mortgage regularly, but the balance has not changed and our monthly payment is being increased, even though it is a fixed rate mortgage and even though we are making our payments. We have been asking for copies of paper work so we can refinance with another company, but the current mortgage company claims that it doesnt have copies and only sends the first page claiming that it doesnt have the rest of the paperwork. We get the runaround when we call them and disrespect from the persons we may talk to when we are finally able to get through. I have lived in this house for XXXX years and I am tired of being mistreated
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I was issued a check for {$7500.00} from XXXX XXXX XXXX on XX/XX/2019 and the signatory was XXXX XXXX. 

The check of the Bank " branch banking and trust company '' and I was supposed to get the cash from the Account number " XXXX '', but I tried to get it cashed two times and both the times the check bounced. 

It was issued to me by XXXX XXXX who lives at " XXXX XXXX XXXX   XXXX VA XXXX '' This Bank 's customer service is not helping me out, and during this epidemic of Coronavirus I need this money on an urgent basis. I am attaching the copy of the check with this complain. I need justice and the money as soon as possible.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2020, i made a payment of {$4700.00} to the credit card with XXXX   balance, resulting in a credit balance on the card. 

I requested this balance refunded to me. Chase agent told me they submitted a request, but the payment was never sent out.
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. ()

A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my XXXX  stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I XXXX and could get new XXXX  but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NJ)

I attempted to resolve the debt with ERC on XXXX in the amount of {$49.00}, charges were paid to remove this account from all credit bureaus and not collect any more fees. Its still effecting my credit please remove this account from my credit.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On XX/XX/2020, my external account for fund transfers named " XXXX XXXX '' was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account. 

On XX/XX/2020, both of my external accounts names " XXXX XXXX   '' and " XXXX XXXX   joint '' are suspended again. I am again on hold for 30 minutes but no resolution in sight.
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (CA)

A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my students stop taking lessons from the last week of XX/XX/XXXX.  Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I teach and could get new students but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (CA)

I received an email from XXXX ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX & XXXX XXXX reports from " Diversified Adjust Services '', which I was told by XXXX from ( Diversified ) on XX/XX/20, that they are a third party collection company for " XXXX ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " Diversified '' or " XXXX '' and I am requesting that this account be REMOVED from my credit report. Your failure to REMOVE this account has hurt my ability to obtain credit.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

We purchased Experian family plan. My wife was added to the plan. However, her account is not fully active and therefore many of the profile items are not being monitored. I have called Experian NUMEROUS times, but they will hang up, drop chat, transfer to nobody and are totally unwilling to correct the issue! It is the worst customer service I have ever experienced. And this is one of the companies responsible for my Credit?!?
Consumer complaint received 2022-01-22
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

Attn : Research Dept Account : XXXX Borrower : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Chase has failed at the branch level and the leadership level, to answer the simple question of how and why XXXX  was added to a loan modification on XX/XX/2022. A supporting timeline of the unaddressed is enclosed. 
In one more attempt before counsel gets involved, I request again. 

Section XXXX of the loan modification agreement, there is an amount of XXXX with no supporting detail calculating how that number was derived. 

Please supply detailed documentation on how this number was created and calculated to support the agreement. Please assist us with full disclosure or refund the undocumented amount.