davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

I am currently unable to make contact with my mortgage company in any way over the phone or online. I am currently behind on my mortgage and I have a plan to get current by XX/XX/XXXX, however I do not have the ability to tell my mortgage company this to stop the automated collection calls. When I answer a collections call, I am given an automated message to call their customer service number. When I call this number, the automated telephone system starts playing a message in XXXX that lasts several minutes, and I am unable to opt out to speak to a representative in any way. At the end of this message a customer service agent picked up the phone and immediately hung up the line during an opening statement. It takes me over 7 minutes just to get to that point due to the automated XXXX messaging I had to listen to. There is no option for me to make a payment in the automated system. Additionally, my online account became locked out and when I go through the password reset process, the site times out before the point which you reset the password. I tried this on multiple devices using the recommended browsers according to the website. So I can not access my account online or speak to anyone on the phone for an account that would normally be in foreclosure risk if not for moratorium protections right now.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two open fraud cases here against capital one. They are clearly guilty and now passively threatening to close my account due to funds they illegally withdrew. I have a PIN number restriction on my account to stop it from going under XXXX. 


They are attacking the victim while putting off the resolution. 

They ha e hacked my phone to steal the screenshots I already sent copies of as well. 

Arrest them
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello my name is XXXX XXXX It's a few things but all these things need to be fixed that i mentioned please help me resolve all the problems you can, thank you very much. ( 1. ) somebody is spending money in my name using to pay utilities it said i am not ok with any money being spent. ( 2. ) says i have taken a mortgage on something i did not and would not do. ( 3. ) I never lived at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( 4 ) My XXXX # has also been compromised and have an identy theft- identy fruad im trying to figure out any help would be greatly appreciated. ( 5. ) A already disputed charge of {$1500.00} to a common wealth financial, swift emergency phys., the only thing it changed was the address from coliseium dr. To XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2021. ( If it helps my grandaddy XXXX XXXX XXXX passed and in his will i was left some things and money that i never received, and could be what that mortgage is but if it is id b living there nobody told me how to get my part of the will. ) But all the things listed above need to be disputed and if he left me a home and somebody took a mortgage out on it that deffinatly needs to be disputed along with the rest of what was supposed to be left to me that i never received.nobody notified me of any of it.
Consumer complaint received 2022-03-01
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: Mercedes Benz Financial Services (FL)

I moved from XXXX  to XXXX  in XXXX, 2021. In XXXX, I requested by email that Mercedes benz financial services ( MBFS ) provide proper documents for my car registration in XXXX. In XXXX, I provided all the information required by MBFS. Since then, MBFS didn't provide the documents for car registration. On XXXX XXXX, 2021, I paid off the loan and requested the title be returned to me. For months till today, MBFS still hasn't been able to tell me whether they lost the title or whether they will pursue for a duplicate title. Everytime I spoke with a different CSR. I could n't drive my car as it still hasn't registered in XXXX.
Consumer complaint received 2022-03-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My Aunt, XXXX XXXX XXXX, designated me as POD on a CD. She passed away on XX/XX/2022. When submitting the death certificate to Bank of America along with their paperwork they told me that I am not on as a POD. They said that when my father became the POA on the account I was removed from POD by BOA not the POA. They specifically said that " the POA did not remove me. '' BOA removed me as POD on this CD and refuses to communicate with me about the details to resolve the issue. My father was the POA for my aunt. He has told me time and time again that he never removed me as POD and would never violate my Aunt 's wishes for this CD
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX SEC ADMIN OFFICE O is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Consumer complaint received 2019-06-04
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. (FL)

Inquiries aren't warranted, XXXX    XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

On the XXXXXXXX XXXX XXXXXX/XX/2023 Wells Fargo contacted me to inform me there was an attempt to transfer money from my business account. After confirming it was not me trying to initiate the transfer they asked me to fill out the address section on the wire transfer contact card with my own address to initiate an account freeze which it did. My accounts were all frozen at XXXX XXXX I was informed they would make contact in the morning around XXXX which they didnt so I called them at XXXX. This is when I was informed they had unlocked my account without my authorization and released the money to a XXXX. After much being run around and my claim to return the money being denied I was told if I got my phone records showing that I didnt call In to unfreeze the account and release the funds this would show that the transaction was fraudulent. I got the phone records and they indeed showed that I did not call Wells Fargo. I submitted them as they told me to. I was then informed again that my claim was denied and they were still considering the incident a scam. At this point a requested some sort of proof that this was not an employee of the bank committing fraud which they will not provide. Since I have shown that my account was accessed without authorization the bank had broken its security protocols and unfrozen my account allowing unauthorized transfer of funds.
Consumer complaint received 2022-07-22
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: CITIZENS FINANCIAL GROUP, INC. (MD)

I recently took over as XXXX for my Mothers accounts .. My mother had XXXX  for last few years.. Im looking over statements I noticed 2 very large balance transfers These occurred during my mothers XXXX periods.. I informed Citizens Bank that my mom would have not done these transactions & that I believed then to be fraud.. 
I put in a fraud dispute Citizens Bank told me that I HAD to continue making minimum payments and also charged my Moms card a LATE FEE and RESTRICTED use of the card I told them I only wanted the matter investigated And that I didnt want the cards restricted.. 
They told me I HAD to make MINIMUM payments in order to have card operable And if I didnt make MINIMUM payments, my moms credit report/score could be affected I told them this sounded totally WRONG, as I dont believe my Mom should pay 1 dime towards fraud
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased an extended warranty with my new car, it was explained to me, and I could also read in the contract that I could cancel this warranty within 60 days of purchase. A few days after I had the car I called the finance officer at the dealership and told him I wanted to cancel the extended warranty because I was concerned about the extra cost. I was told that if I cancelled at that time, the loan amount would still be the same every month because the loan had already been approved and could not be changed. So I thought I would wait to cancel until later, just in case I still had the car after 5 years, when the original warranty would end. 
It was not explained to me that the warranty I purchased would start on day XXXX of the contract instead of after 5 years which is what I assumed. Because why would I purchase an extra warranty to run alongside the already very good warranty that Hyundai is very proud to advertise. Nowhere in the contract does it state when the extended warranty starts.

I even called the main Hyundai finance office a few times just to be sure that I had my facts correct and could cancel and get my money back. No one either at the dealership or the main finance office told me that if I waited 5 years to cancel after the initial warranty ran out that I would only get half the money back. 
I feel completely mislead by both the dealership and the Hyundai Corp. I did not sign part # 3 on the form that says the service plan was explained to me, it obviously was not or I would never have waited so long to cancel the extended warranty.

I had not planned to keep the car this long, my plans changed because of Covid etc. 
I went ahead and cancelled the contract after my final payment was made, but I am very upset that I lost half the money and I would like to see if that could be remedied. 
I would also like to add that it was extremely difficult dealing with the dealership regarding cancelling this contract. I had a hard time getting anyone to return phone calls, including the general manager who never got in touch with me. I even resorted to driving XXXX hour to the dealership so I could get anyone to help me initially.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( XXXX, XXXX, and XXXX ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX. I have attached a copy of the 1009-C sent to me from Macys/Citibank, N.A . received on XX/XX/2024. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the Creditor Macys/CitiBank N.A.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (DE)

So I have been trying to get a replacement card since XX/XX/2021 after changing my address they put a restriction i was told to submit documents for verification online I had to upload front and back of License and a selfie. Every time i call they tell me theres no update try submitting the information again so i do it again they give me the same response literally two weeks straight mon-Friday Im calling, so they give me a fax number i faxed information in they said they have not received it so I faxed info again then when I called to check the update I was told they do not accept fax from the supervisor. So I keep get different information from different supervisors. they gave me the mailing address and told me send license, SSC and proof of change of address so i expressed ship the information with a tracking number and still have not heard any information back after it said it was delivered to there company and I keep calling to speak to supervisor they telling me same information that customer service is telling me and i asked would they be able send a note to there offline team to check into the documents submitted and they say we cant communicate with them they just put notes in try submitting documents again which I keep doing and Im telling them. I keep submitting documents and u.s bank relia card dont have no updates its just stressful I been going through this everyday calling, sending info been over a month and theres no way i can send my information to them directly through email so I know they received it. Can you please help i been hearing other people are having the same problems I have {$7000.00} on my relia card. I have been sending documents in everyday and was told just keep calling back we are open 24/7. i ask is there another way y'all can view my documents is there a email or some type way i can use ID.me video call? They say no im sorry all I can tell you do is submit the documents again. The Company is I have submitted documents over 10 times Online, 4 different times faxed and 1 time through the mail.
Consumer complaint received 2020-11-06
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: EQUIFAX, INC. (GA)

I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (CO)

Company change original agreement, over-charging me then falsifying docs to credit bureaus destroying my credit saying I owe them over XXXX k for equipment they saud was " free " with instalationn a year contract. 
I have called the company for years trying to fix the errors on my account niw its " costing me 'good ' jobs!! " And better pay! Donations and grant money!
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

This account was closed, was in payment program with payment of {$100.00} to be made XXXX of every month. 
My credit card account had a balance of {$2000.00}. I called on XX/XX/XXXX and made a payment with the help of customer service representative. He gave me a confirmation number. The amount was showing pending for several days. On XX/XX/XXXX, I checked the account online ( as XX/XX/XXXX was Sunday ) to see if it's paid off, but found my {$2000.00}, presumably, reversed and instead the {$100.00} amount processed for it. 
I contacted customer service, talked with several of their representative, I even called the collection department, but they all in one voice say that they don't see a {$2000.00} processed. To my question, how can I ask to investigate, to go to the record of my phone call and confirm that I made the payment, they said that there is no such department that will investigate it and they're just sorry for what happened.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Purchased a Hot Tub from XXXX XXXX through Wells Fargo XXXX XXXX. 
Actual Hot Tub cost was {$12000.00} Credit Limit reported was {$14000.00} Credit Limit should reflect {$12000.00} as a total cost of the loan amount financed The Credit Limit increase my debt to income ratio by {$1900.00} The original loan amount was Inflated by {$1900.00}.
Consumer complaint received 2021-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I will note that I am a BoFA private banking customer and have received nothing short of stellar service up until this point. Nevertheless I'm surprised that BoFA would treat any customer like this. 

On XX/XX/2021, I initiated a claim with Bank of America. 

I purchased a plane ticket from XXXX XXXX on XX/XX/2021 along with flight insurance. I cancelled the flight, however to claim flight insurance and get a refund I needed a copy of the cancellation email. I never received a cancellation email. 

I called again a week later, and XXXX said they would resend a cancellation email but they never did. 

I have cancelled flights in the past with XXXX and successfully received cancellation emails, but the one time I purchased insurance and needed a cancellation email to receive a refund, I didn't. 

I filed a claim through Bank of America on XX/XX/2021 and I received conditional credit, and on XX/XX/2021, my claim was denied and the credit was taken back. I was given no options of recourse, no ability to respond or re-open the claim.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it