davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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: TRUIST FINANCIAL CORPORATION (RI)

I have an auto loan with Truist Bank. I have recently moved from XXXX to XXXX XXXX and need to register my car in the state. In order to register my car, the State requires that I have the police department perform a VIN check and for that I have to present the title even if there is a loan on the car. I talked with Truist by phone twice. First, I was told that the State had to request the title. The State 's policy is that it will not request title information from lienholders or leasing companies. The State told me I needed to request the information. I spoke with another person at Truist who said that I could request the title myself by only by fax. I did that by fax on XXXX - requesting that the bank send title information to the XXXX DMV. The State received nothing. The State told me I should request that it be sent to me as the State will give it to me anyway when the State receives it so I can take it to the police department. I requested that of Truist on XXXX by fax and on XXXX by email. I did a chat with the Bank today and it refuses to send the information to me. I have a transcript of that discussion. I need to register my car. I need evidence of title so that I can comply with the State of XXXX XXXX XXXX registration laws. Thanks.
Consumer complaint received 2021-12-21
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Lending Club Corp (TX)

On XXXX XX/XX/XXXX I made account on Lending Club to search for lenders for a debt consolidation loan, I input my debt and requested loan. I receive a better quote from XXXX XXXX XXXX and I accepted and payed my debts, 3 days later I check my account and saw my accounts had been paid again. I was confused. I looked up Lending Club and found the first loan request had been approved and had paid my debt. All I requested was a loan. I never signed a promisary loan or any other paperwork. I requested refund from all accounts had been paid twice. I paid account to the full Im 3 days and explained to them I never signed any documents and she told me when I hit submit I gave consent. I hit I submit to request a loan. None of the documents In this account are signed by me. I requested they close account and they stated I owed XXXX Im processing fees, I told the, processing fee for a loan I did not approve. This borders on criminal. People should know what fees they are paying before agreeing to a loan that I paid back in 3 days. They used a power of attorney to sign my documents but I did not give anyone a power of attorney, please stop this company.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Good morning, My name is XXXX XXXX, Im XXXX XXXX XXXX and a American citizen, retired living in XXXX for the las XXXX years. I have a problem with the Chase Bank which I have checking ( ATM Card ) for over XXXX  years. 
I had an ATM card which I use with withdraw funds from my account which my XXXX XXXX benefits are deposited monthly. In XXXX of this year my ATM card expired and I contacted the Chase Bank for a replacement, due to their outdated policies in dealing with clients that live outside of the XXXX XXXX took over 3 months to get a replacement ATM card which after the first one got lost in the mail the replacement was sent to XXXX by UPS after pleading with them extensively. 
Of course, the PIN for the new card is sent separately by regular mail which it never made it to me, after contacting them that the PIN was not received, they send a new one. At this point the PIN according to them it has been sent about 3 or 4 times even though my mailing address is correct. I have pleaded with them to please send me the PIN by UPS and I would be happy to pay to the shipping cost they informed me that they can not do that which I dont understand since they sent the ATM by UPS why not the PIN? 
To make matters worse they have blocked my password in order to access my account in the banks Web portal. I have tried to call Customer service on various occasions to help me clarify my problems but since I dont remember which ID I used to open the account they rudely hang up on me not caring the Im calling from another XXXX.

As I mentioned earlier, Im a XXXXXXXX citizen that is alone and rely on my XXXX XXXX benefits for my living expenses which I havent had access since XXXX. It would be a financial and health hardship for me to travel to the XXXX to personally fix this problem that can be done by phone or email. 
Your agency is my last hope in finding a solution to my problems since the Chase bank is very callous and it does care on how they treat senior citizens that bank with them.
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I would like to prevent others who have a mortgage or could have one in the future form being stuck with PHH Mortgage. I closed on my home in XXXX and had 2 mortgages- one a larger dollar amount, 30-year term loan and the other a smaller 15 year-term loan. I have faithfully paid both mortgages on time every month, even in XXXX when I was laid off from my job with XXXX XXXX in XXXX, NJ due to the company being acquired by XXXX ; it took me almost a year to find a job. Recently I have had the good fortune to have been able to pay off several student loans as well as my credit card debt. I am now working on my mortgage debt and paid off the smaller mortgage balance on XX/XX/XXXX ( {$1200.00} ). I paid it off online as that is how I always make my payments on this loan. Nowhere does it say a customer needs to call to get a payoff code generated, and that a check can not be sent that it needs to be a cashier 's check or certified check. The payment was deducted from my checking account on Tues. XX/XX/XXXX. Using the PHH mortgage online system, it ways the payment was received on XX/XX/XXXX. However under the messages for my mortgage, a message dated XX/XX/XXXX, says that the payment was applied into a suspense or holding account and that the cash management team will review this and apply accordingly within 24 to 48 hours. You will receive a new e-mail alert and message ones this amount is applied. '' I received no such notification as promised by their own stipulated review date and my account for this mortgage is still showing a balance for the amount that I paid XX/XX/XXXX. I called about this Monday XX/XX/XXXX and was told for the first time by XXXX ( id XXXX ) that to pay off the loan I had to call to have a pay off code generated and that the payment must be made by cashier 's or certified check. When I said that I just wanted my money returned to me and I would pay it off by paying my usual monthly payment, I was told that would take up to 10 business days, When I said that was unacceptable and far too long, I spoke to someone named XXXX ( ID XXXX ) who said she'd be able to waive the requirement for a cashier 's check and have it applied and would look into it and let me know if there was any additional balance that needed to be paid off prior to the payoff letter being generated. I was told she'd call me back within 24-48 hours ; she gave me a generic number with no extension to reach her. She ended up calling today and left a voicemail message stating to call her back with no other information. I had to wait 24 minutes on hold only to find out she was not available. The man I spoke to looked at the account and said she called to tell me there was no new news on the account and that she was on it. In all it took me 34 minutes to find out I was in the same place as I have been and I am still out the money I have paid them. Could you please look into this on my behalf and publicize the poor business practices of PHH mortgage? Thanks so much
Consumer complaint received 2022-12-14
Product: Credit card or prepaid 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: DISCOVER BANK (MI)

I bought a keyboard from XXXX in XXXX, it arrived damaged, I asked for a return and was given an address in XXXX, not a pre-paid label. I check and it would have cost up to {$80.00} to ship back a {$130.00} item. I filed a dispute with Discover, it went back and forth. I contacted Discover asking for an XXXX agent, as I am XXXX, I was given a supervisor, I was in tears, the supervisor stated he would make a one time exception and refund me the amount and end this dispute once and for all and that I would never hear about it again. Today I wake up to a letter stating I owe the money again! They are unwilling to help me, lied to me, and are now assisting XXXX in defrauding me. " They never provided me with an XXXX agent!
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My cash deposit of {$580.00} was shorted {$200.00} by bank of America. They continue to state they are not out of balance, that does not mean there was not another issue to offset mine. I have tired to work with them and they do not want to help me.
Consumer complaint received 2023-04-06
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. (FL)

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NJ)

This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

The company name is Rent Recovery Solutions. A little over 6 months ago I had to cut my lease short due to financial issues. I talk to my apartment office and they understood and told me what to do. To paid the month ( XXXX ) and they next ( XXXX ). I left at the end of XXXX and I paid the rent for both XXXX and XXXX before I left. When I opened my credit account around XXXX I had saw that they are trying to collect a debt that I dont owe. The amount is {$3900.00}. They dont have a number I can call nor and website. I believe it to be a fraud.
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (NV)

( This is what I sent to them ) Consumer Report To whom it may concern, I financed a car through Hyundai on XX/XX/XXXX. We agreed my payments would be {$260.00} a month. Since the day I made my first payment, XX/XX/XXXX, I have paid {$400.00} a month. I did this to cut down on the interest. I also told them them that any EXTRA money I wanted it to go towards the principal. This is how you cut down on interest. I recently found out that they have not been doing ANYTHING that I have asked. I have called multiple times in the past complaining about this same things just to be told " Oh, we'll fix it for you. '' And then they do nothing. I've called so many times this past month, XXXX, just for someone to tell me " Oh, ma'am we apologize but it's seems like they have been XXXX XXXX you account for a while. '' It shows on my account that I owe way more then I am suppose to. 

The last phone call I made was on XX/XX/XXXX and I was told that because I mentioned Consumer Law that my case needed to be escalated to the powers that be. Go figure. The lady then told me that it can take up to 10 business before someone would call to discuss my case. I said ok. It is now XX/XX/XXXX and I have yet to hear from anyone from Hyundai Motor Finance. It feels like they are NOT taking me seriously and I feel like they are purposely robbing me of my hard earned money. Typically, you're suppose to give a business at least 2 weeks to correct an issue. Well, it's been almost 3 years. I'm done talking, I'm done waiting, I'm done being nice. I have recently disconnected my auto payment and I have decided to no longer make my payments. This is something I have LITERALLY told the representatives of Hyundai Motor Finance that I would do IF they do not correct the problem. They have literally ignored my every request. This is what has brought me to you all. All I ever wanted was for Hyundai Motor Finance to correct my account and to listen to me but they have shown me that I do not matter. So, now I wish to sue them. Sue them for negligence and pain and suffering. All of this could have EASILY been settled had they followed through on their part. 

I have called MULTIPLE times, I have sent emails, and now I have sent a hard copy complaint via mail. Legally I have given you over 30 days to adjust or fix my account and you all ignored me and did nothing. 

If this does not catch your attention then hopefully a lawsuit will. Good day. 

I have filed a complaint with State of Nevada Office of the Attorney General and the Federal Trade Commission.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Around XXXX of 2022 I phoned the XXXX XXXX to complain to the XXXX about no one answering the phones as I had a question. XXXX XXXX phoned me and said, You have 3 minutes You think you know everything And finally threatened to close my account and said and I quote, Ill tell you what I am gon na do, Im gon na close your account here. I filed a complaint both with the branch and the Chase XXXX department but no one took me seriously. The new branch XXXX named XXXX XXXX accused me falsely along with XXXX and lied and told their superiors that I had used graphic language towards XXXX and that other employees heard me using profanity. Theres just one problem with that story. I wasnt at the branch that day. After calling XXXX to complain she naturally took the side of her employee and then made a call to Chase and I received a letter in the mail from the bank falsely accusing me. This is a XXXX of justice! Clearly the private client group XXXX lied to his superior in the fear of losing his job as he threatened me with shutting down my account because his ego was bruised. I ended up opening a new bank account with XXXX who couldnt believe what was done to me. I had been with Chase for over 14 years and suddenly Im a threat to the branch and its employees who Ive been baking for for years and who I knew on a first name basis,
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is account was settled back in XX/XX/2018. After the settlement capital one informed me that they would take care of all the negative information on the account ( including late payments ) being reported to the credit bureau 's. I have spoken to many representatives at capital one and have been constantly pushed and pulled in the wrong direction. All the way from supervisors to managers to csr 's. I have been more than patient. i filed a complaint with the XXXX+ and was received a call from one of the principal coordinator 's informing me that she was my advocate to this issue. She told me that she would call me and keep me informed on getting this issue resolved. She never called.I always had to call her for an update, and getting in contact with her and even then that was a hassle. Her line was always busy and i had to get transferred over to her. XXXX is her name. I mean by far, i have been dealing with this issue for almost a year. I will never have an account with Capital one again. The customer service is not the best at all. I held up my end of the bargain, i just wish they would of too.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

I deposit at a friend 's check into my account and they're giving me multiple excuse why they won't cash a check and the check is a good check and they're giving me the runaround and and am I supposed to be getting dividends paid for me every month which I complained about it and they didn't fix it and I think they're being on Fair with my money and the amount and I asked for an account audit of it and and they refuse to do that but the main reason writing this complaint is for the check that is good and they're refusing to cash it and they're giving me a different excuses for why they won't cash this check that is good
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Someone apparently hacked my Experian online account, so that I can not login, and when I try to access my experian account information using my social security number and birthdate as they request, the system says " we have sent your account information to xyz email address ''. Unfortunately the email address they are sending my account information to ( username reminders, password resets ) is *not* my email address, instead it is an account on some XXXX server XXXX. Experians automated phone service only allows for continued username reminders and password resets - and there is nobody to talk to about someone having improper access to my credit report via a fraudulent email / stolen Experian account. I have called every single number I can find for experian and can not reach a human to deal with this fraudulent email being associated with my credit report information on their website.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without written instructions.
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Experian started a dispute without my permition it knowing of such contacted Experian they said that don't care in result of lose of good credit distorting my credit scoring is theft and fraud from within Experian
Consumer complaint received 2021-12-04
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.