davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?
Consumer complaint received 2019-04-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a car from Kia Motors Finance on XX/XX/2018. It was stolen in XX/XX/2018. My insurance company ( XXXX ) at the time deemed it as a loss and paid Kia Motors Finance over {$19000.00} ( the value of the car at the time ). XXXX took the deductible out of the final check that they paid to Kia Motors Finance and in turn Kia Motors Finance stated that I have a balance of {$1600.00} due to the deductible that XXXX took out of their final payment. I called them and ask about the GAP insurance that was included on this Leased vehicle and they told me that the deductible is not included for GAP insurance. I told Kia Motors Finance that XXXX is not asking for the deductible because they have been satisfied and I am curious to know why Kia Motors Finance is acting as a insurance company. 

Kia Motors Finance is now making me pay for my car being stolen even though it had GAP insurance and everything was taken care of through XXXX. I made a payment arangement with them to prevent it from going to my credit and keep it inhouse. Well it hit my credit report as a missed payment which made it go down by XXXX points. Then a week later they reported as a closed account delinquent with a balance which in turn made it go down another XXXX points even while being on a payment plan. I asked XXXX XXXX XXXX could they not hurt my credit because I am paying them as agreed. 

I can not finish my home project because of this and I feel like I am suffering for something that was beyond my control. 

The amount in question is {$1600.00}. I have paid them {$350.00} which should leave a balance of {$1200.00}. They have reported a balance of {$1500.00} and that it is delinquent.
Consumer complaint received 2020-06-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (KY)

National Credit Adjusters ( NCA ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX  XXXX XXXX/Collections for an original debt with a vendor named XXXX XXXX. 
Back about 3 months ago, the XXXX XXXX/XXXX XXXX collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the XXXX XXXX issue was resolved with its collections removal. 
For NCA now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

I have prepared all the official documents that the manager of the Citibank XXXX branch requested of me. All the codes for the account were sent and I was asked to send the appointed lawyer. So I sent the appointed lawyer to the bank branch in XXXX. XXXX. At my own expense, I spent all my money on this transaction, as the The balance amounts to XXXX XXXX XXXX XXXX XXXX XXXX dollars. Since 2013 until now, I have contacted the bank more than XXXX times to no avail. Please update the information about my account and provide me with the latest information about my account. Otherwise, I will unfortunately be forced to take all necessary legal measures regarding this incident. May you always be healthy and well.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-18
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. (CA)

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their XXXX XXXX my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements.

Problem 2. Data Breach Privacy Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements. 
I spent lot of my times in explaining over the phone to Customer service people and they were just forwarded my call to their colleague saying their supervisor and manger but they are not. 
They dragged me for 6 months, their negligence and poor customer service caused me to undergone severe stress and mental agony. I need a compensation for the time which I spent to recover my money back from Chase. Because of their worst service which dragged me till 6 months to claim my money. 
I want a compensation for my 6 months time which I spent with chase. 

Chase Customer Service is very bad and Data Privacy policies should revisit and their system validation process to correct and enact with privacy guidelines. Process and maintain customer data in secured manner not just share to someone else who doesn't relate to the transaction. 

Problem 2 : Data Privacy breach I XXXX XXXX deposited a XXXX XXXX XXXX Check into my Chase account for realization on XX/XX/2018. That deposited check got returned saying " Duplicate Presentment '' But when I looked at the returned notification letter where there was an attached copy of check which is not the one I submitted for realization. ( That check belongs to someone else not mine ) Check number, Date are identical. Only the amount {$400.00} and first 5 letter of first name is similar but not the last name. 
My concern and worry about my data might have shared with someone like I received of somebody else check and details. It's a Customer Data Privacy policy breach because of their negligence of their processing systems fail to comply with privacy policies and mainly their customer service caused me to undergo lot of stress due course. 

I can provide more details if needed with all documents. Please feel free to reach me at XXXX XXXX XXXX and my email Address. XXXX XXXX
Consumer complaint received 2017-05-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim XXXX XXXX XXXXXXXX As you are aware, I fXXXX XXXX to identity theft, a distressing experience that compelled me to file a police report. Subsequently, I submitted this report along with my XXXX XXXXXXXX XXXX XXXX Bank of America, as requested, to substantiate my claim of fraudulent activity on my account. Despite my efforts to provide all necessary documentation, I have been met with continuous denials, leaving me in a state of disbelief and financial hardship. Bank of America NEVER sent me sufficient information or documents on why they continuously deny my claim. 

I am currently undergoing my third reevaluation process with Bank of America, during which I have provided all the relevant support documents. Regrettably, each time I have been denied the rightful refund of my hard-earned money. This situation has not only left me financially strained but also humiliated and dejected. 

I would like to emphasize that every transaction totaling XXXX  on my account was unauthorized and made without my consent or knowledge. It is disheartening that my appeals continue to fall on deaf ears. I had placed my trust in Bank of America to safeguard my financial assets, and it is disconcerting to feel like the bank is, in essence, robbing me of both my dignity and my money.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX ), has violated several of my rights. 

16 U.S.C 1681 section 602 A. Clearly States that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX offered through Bank of America. At the time, the promotion I clicked on was XXXX bonus miles, {$100.00} statement credit and {$120.00} companion fare, I was just required to spend {$3000.00} in the first 90 days. ( screenshot attached ) Having received no response, on XX/XX/XXXX I called in and the rep said that they were just waiting on me to verify some information and they just hadn't reached out yet. She helped me finish the application and approved it at that time. 

This account shows in my Bank of America with an opening date of XX/XX/XXXX. 

When I got the card and details, it showed the promo to be the new promo which is only XXXX miles, no statement credit and then the {$120.00} companion fare. ( copy of promo they sent in the letter attached ) I immediately reached out to the service center and was told that the XXXX was the " current promotion that began on XX/XX/XXXX ''. When I stated that was not what I applied under the terms of and that the paperwork I got verified the initial application was done on XX/XX/XXXX based on the day they show they pulled the credit score ( attached ), he initially tried to tell me that the XXXX miles was a better deal anyway because I " only had to spend {$2000.00} not {$3000.00} in 90 days to qualify ''. He then indicated that he needed to send it to the research team and that they would send me a copy of the application showing what those terms were. He assured me that if it showed the XXXX that I had applied under the terms of, that Bank of America would resolve this. 

In a letter that I received yesterday ( attached ), dated XX/XX/XXXX, Bank of America responded stating " Unfortunately we don't have a copy of the credit card application you requested. We show that you submitted your application on XX/XX/XXXX, but don't have a copy of it because you applied by phone or online. Thank you for being our client. '' I reached out the call center again today and was told that there was nothing further that could be done, that even though she was aware that I indeed applied for the XXXX promotion based on my application date, that she nor anyone above her could manually award those points or offer that statement credit to me. I asked repeatedly to speak to a supervisor and in the end she stated that they are only a call center that works with Bank of America, not even actual Bank of America staff. 

I then went into the branch to get this resolved, explained the whole situation above and was told that they can not see the application and do not have any authority when it comes to the promotions that are attached to certain credit card offers. They actually tried to suggest that I call the servicing center and I explained that was exactly who couldn't do anything either.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

I 'm going through a difficult divorce and called in to secure the card information and place everything in my name and remove my soon to be ex from the account. The company sent an email to his address after I removed it advising him I was making changes to my account. I know this because he forwarded me the email.     He was also able to gain online access to view what the card was being used for and print statements which he presented me with copies of yesterday.     This is clearly a violation of my privacy and a failure on the part of the company to secure my information.
Consumer complaint received 2020-06-07
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (CA)

I dispute and request investigation with late payment reported by Barclay. On the billing cyle for XX/XX/2020, I called Barclay on XX/XX/2020 and requested a payment deferment due to the Covid19 pandemic. Barclay agreed to defer my monthly payment with no late fees or late payment reporting. In the process of home, refinancing my lender notified me of the late payment reporting. I request from Barclay. 
I want Barclay to honor their payment deferment, and to remove from my credit report the late payment reporting. I can be reached at XXXX. Please feel free to call me with any questions.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I first realized my account was locked on XX/XX/20. After calling waiting on hold over an hour I was told the account was froze due to my recent address update change and they needed me to verify my identity which would consist of me faxing my legal documents ID social taxes lease and a bill showing my new address. I complied and did so calling the next day on XX/XX/XXXX to confirm that documents were received I said yes to wait 5 days and call back. I called on the fifth day just to be told they couldn't unlock my account because they couldn't read the documents I had faxed. Once again I have to pay to have faxes sent each time this has gone on for almost a month now total I call every single day and speak to somebody I've even spoken to supervisors multiple times just to be told my accounts being reviewed and or my documents were not accepted. My ID card does not match my new address because I just moved and in order to get a new card I would have to purchase another one to change my address. That would require me using funds on the card that they have Frozen. There is no excuse or reason why my account has been locked this long I have no access to my money my bills are all past due I don't have any food on my table and my electricity is on the verge of being shut off. There is no way to contact the fraud department that's supposedly overseas and verifies address & identification. All I did was change my address online thinking it was the right thing to do considering they never mail me anything I just have an online account that I use to get my unemployment benefits loaded onto. I don't know why my voter ID card has not worked with my new address on it or my recent bills with my new address and my name, my lease agreement with my name, address on it have NOT been acceptable?! I've made numerous attempts to get this handled multiple times a week with no avail & nobody can give me answers or direct me on who to talk to that has the power to unlock my card I need help immediately for this situation has become an urgent and serious matter. As of today XX/XX/20 my account is still waiting to be reviewed after reflecting and uploading all my documents once again to them at the beginning of the week. Please help me resolve this and get my funds back to me before I am out on the XXXX, XXXX from not being able to pay my rent. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This complaint is being submitted on behalf of the mortgage borrower by his authorized housing advocate. The attached Qualified Written Request ( QWR ) dated XX/XX/XXXX was mailed to Shellpoint Mortgage Servicing, a division of Newrez ( Shellpoint ), on my behalf. Shellpoint did not acknowledge receiving the QWR within five ( 5 ) business days nor did it provide a response within thirty ( 30 ) business days. The total dismissal of the QWR is a clear violation of the Real Estate Settlement Procedures Act ( RESPA ) 1024.36 Requests for information. 

The second attached QWR dated XX/XX/XXXX was mailed to Shellpoint via certified mail. The U.S.P.S. tracking number XXXX confirms it was delivered on Tuesday, XX/XX/XXXX at XXXXXXXX XXXX. Shellpoint sent me an acknowledgement correspondence on XXXX, XXXX, XXXX. Shellpoint has not provided a response to the QWR, again failing to comply with RESPA 1024.36 Requests for information. My housing advocate had a separate case where Shellpoint also failed to respond to that clients QWR. This potential pattern of practice is concerning.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.