davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (MA)

I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX  that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off. 
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX  claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I authorized Citibank to wire to XXXX XXXX XXXX XXXX in XXXX, the amount of XXXX ( XXXX XXXX ), which at the time equaled {$9600.00} USD. The money was taken from my account on that day, but the intended recipient never received it. 
I have complained to them several times and finally submitted a formal complaint dated XX/XX/2021, of which is acknowledged in a letter from Citibank, attached. 

Subsequently, I have been talking to them through their website chat venue ( attached ), and I consistently called them. They keep saying that they're working on it. I ask to speak to a supervisor and only once in the XXXX months did I finally get through to a supervisor. He sounded like he's taking care of it, but nothing happened. 

The intermediary bank that they used to do the transfer was XXXX. I don't understand the problem, let them get their XXXX branch on the phone and work this out. Why must I suffer?! 

Finally, on XX/XX/2021, I get a letter from Citibank saying the following : " Based on the information you provided and the results of our research we determined that the funds were not made available to the recipient for the amount mentioned in the disclosure. '' They even posted a credit in the amount of {$35.00} for the wire transfer fee and {$22.00} for the third-party fees to my account. So, they credited me the small money, because they failed on the wire transfer, but the wire transfer itself, they didnt reimburse yet. 

I got the wire fees back, but the {$9600.00} is still not returned to me. 

I have been asking them for XXXX months to just recall the wire, or pay me back, because it was never received. 

I even called the bank in XXXX and spoke directly to the bank manager. He told me if Citibank recalls the wire, he will send it back. 

This should not be my problem. This is a screw-up by the bank, and they should reimburse me immediately while they continue dealing with it. I want my money back.
Consumer complaint received 2018-10-18
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: Experian Information Solutions Inc. (IL)

I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to severalinquries that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have inquries that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, That they will be removed. These inquries does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following inquries that are reporting are : XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 and XXXX XXXX/XXXX XX/XX/2018. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted these items. How can they all be using the same information but some bureaus are correcting items & the other is not.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FREEDOM FINANCIAL NETWORK (FL)

received a letter from Freedom Plus in care of XXXX XXXX with attempt to issuing a loan. When calling FreedomPlus they advised me that there marketing team is conducting soft pulls to get people to take advantage of loans. I need this to stop and removed me from any soft pulls or anything in the nature of credit when not authorized.
Consumer complaint received 2018-12-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MO)

Are use a company called prime lending and the agents name was XXXX XXXX XXXX was very misleading and also very unprofessional and doing the paperwork to be able to close on my loan in a timely manner. XXXX continually was making mistakes with the paperwork causing The closing date XXXX XXXX also lied on was going to throughout the whole process I was told I was going to have an interest rate Of 3.5 % down day of closing which is when I finally seen the final paperwork that Im supposed to buy law have three days advance the interest rate was XXXX XXXX my house payment was supposed to be made {$900.00} range to lower {$1000.00} range and ended up being closer to {$1200.00} very I did not complain about not having my final paperwork for the miss leading of the interest rate due to all the other issues I had closing the loan and the homeowner was going to back out of the sale we did not close that day because due to XXXX mistakes she was actually XXXX and I was about to be homeless as Ive already gotten out of my current lease where I was living ultimately I was affected by the XXXX  security breachAnd I dont believe the effects of the breeze wouldve been so bad that I close on my loan when I was supposed to be gained access to my bank account eventually take me over causing me Not to be able to pay my mortgage as they turn the account over they also gain access to my Social Security number drivers license number date of birth and other sensitive information
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account XXXX Account Name : CHILDSUPPORT Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Today, XX/XX/2019 at XXXX, Huntington Banks online service is down due to some technical issues. I can not access my account at all, and the nearest branch is 15 miles away!! I also needed to print out my balance and can not do that either! 
Fine this bank for negligence.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MA)

National Credit Systems, amount of {$7100.00}. 

I have sent National Credit Systems several debt validation letter requesting that they answer my validation letter as the collection is not mine and a fraud. And National Credit Systems has not responded. 

National Credit Systems then reported this collection to my XXXX credit reporting agency, I have provided National Credit Systems and XXXX  copy of my Police Report.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I've contacted Chase over the last year and have not received an adequate resolution. Last year I clicked on a Chase promotional offer when I opened my account. It was for a {$200.00} offer which I didn't receive when I opened my account. There was no place to put a code when I sighed up because I used the button to automatically apply the promotion. Below is a similar website I went to, in XX/XX/2019, to sign up and get the {$200.00} offer. I was offered two options like the website below and clicked on the link that had written below " Coupon code applied when you click " Open an account '' ''. There was no place to put the code and the coupon code should have been applied. I did everything that was required to get the promotional {$200.00} offer. I signed up for direct deposit and did it within the appropriate time frame. I contacted Chase numerous time over the last year ( by phone and email ). They refuse to make good on their offer. When I called, I was told this has happened to other people and Chase does make good on the promotional offers. To date, they haven't. I would appreciate your assistance in this matter so that Chase Bank make good on the {$200.00} promotional offer. That is the proper way to do business. https : //account.chase.com/consumer/banking/FM97672? sitelin k=headline & jp_cmp=rb/Retail_Brand_BMM_Chk-Bnk_SEM_IFP_Desk Tab_Standard_NA/sea/p25218732600/chase+checking & opti_ca=67 4189475 & opti_ag=33556516039 & opti_ad=469864609346 & opti_key= aud-461562237081 : kwd-27929122426 & gclid=EAIaIQobChMI2ouO8JG P7QIVivOzCh1c8Q3qEAAYASAAEgJfwfD_BwE & gclsrc=aw.ds
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KS)

The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that XXXX XXXX XXXX by Experian had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called XXXX who told me they were one of the major credit bureaus acquired by Experian, in which XXXX  gained my confidential information through Experian upon the purchase last year. XXXX  gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling Experian right after, the representative and supervisor stated they had no knowledge of XXXX XXXX XXXX, and all they could do was place a fraud alert on my account. XXXX 's continuous inquiries have effected my credit score tremendously and Experians ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that XXXX  is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
Consumer complaint received 2020-07-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/2020 I sent an affidavit of truth stating each violation the debt collection company Santander Consumer USA Inc committed, and a debt validation letter via certified mail with requests for return receipt to the debt collection company Santander Consumer USA Inc. I have not received any validation of debt or any response in writing from the company. On XXXX XXXX I received a return receipt from the company so I have proof they have received the documents as the exhibit attached reflects.
Consumer complaint received 2018-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This HELOC was included in a bankruptcy in 2004 and so does not report to the credit bureau 's and they are not allowed to chase me for it, despite this I pay it on time every month, at least for the last 2+ years. For the second time this year I received a SCRA notice, which is the first step in the foreclosure process. I called Bank of America and they said it was a mistake. Twice already this year, while I pay them monthly, they have sent this which always scares the heck out of me and causes me to spend hours trying to get them to talk to me and checking my own records. They need to cut the XXXX - sending that notice is akin to threatening foreclosure and for anyone who's ever faced foreclosure it is terrifying. So to receive these repeatedly when the mortgage is being paid monthly is unacceptable. They also took away my ability to view the status of the mortgage on my BofA online account - up until last year I could view the activity on it so it was easy to pay and see what was due when. Now they restrict online access to this one account, which is wrong, because it was included in my bankruptcy 15 years ago.
Consumer complaint received 2018-07-18
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. (OH)

XXXX XXXX XXXX - Can not access my credit score as a paying member of this service. Have attempted to call several of their offices only to be told to call during business hours. It's XXXX XXXX EST and their recording states to call between XXXX XXXX  and XXXX XXXX CST.

I've attempted to contact them in the past and have been put on hold for over an hour only to be disconnected. I feel that I'm being ripped off by Experian where I can't talk to representatives regarding my account. No notices have been posted on their website regarding technical difficulties.

Feel as though I'm being held captive from an agency that is unresponsive to vital services, especially one that I'm paying monthly fee for.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement &  proof that XXXX XXXX XXXX  owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX  refuses to comply and has constantly changed the dates on my credit file & keeps reinserting this derogatory account, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX   understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX XXXX XXXX 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

Contacted debt collector that this is not my debt. I do not have a PayPal account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and XXXX XXXX XXXX need to stop attempting to collect money from me.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WI)

I received my new Citi AAdvantage Platinum Select card in the mail on XX/XX/XXXX and when I attempted to add it to XXXX XXXX on my XXXX, my account was placed on a fraud alert. I was able to resolve it ( albeit after calling four times ) with customer service and things went well until XX/XX/XXXX, when I attempted to add the same card to XXXX XXXX but on my watch. This triggered the fraud alert again and I was forced to wait until the following week before it could be unlocked. In my conversations with customer service, they attempted to use my cell phone number and my home phone number, neither of which worked. This is strange because my cell phone number has always worked when signing into my account from my browser or from my app. 

I attempted to add my card into another XXXX XXXX wallet on XX/XX/XXXX, and my account became restricted under the fraud alert once again ( are you detecting a pattern here ). I called customer service, and the previous methods of my cell phone number did not work once again, even though after the second time, the representative assured me that my cell phone number would work in the future for verification. I emailed the Citi Executive Response Team on XX/XX/XXXX to escalate the issue and I called them again for follow-up on XX/XX/XXXX. They transferred me to the same fraud department that failed to resolve my issue the first time around. This department unsurprisingly failed to resolve my issue again, which is why I am escalating the case to the CFPB. 

I escalated the case in the first place to the Citi Executive Response Team because even though I was told I was to receive a letter which contains a verification code, that letter never appeared in my mailbox and I do not have confidence that the letter solution will work this time either. I have been stuck without the use of my card for the past two and a half weeks, which is absolutely unacceptable. No other bank with whom I have done business with has given me such a hard time about this, and the lack of responsiveness is unacceptable and absolutely infuriating as a loyal Citi customer. I have given Citi with more than enough information to verify my identity, and there is no reason as to why a simple fraud alert should be causing so much difficulty.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (GA)

XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit 27 times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit 10 times