davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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 (WA)

I have a loan for a Hyundai XXXX I purchased on XX/XX/XXXX in XXXX. I moved to XXXX state and need to register my vehicle in XXXX I completed Hyundai Motor Finances title transfer online as well as had the local XXXX XXXX fax a request for the transfer on XX/XX/XXXX. The website says to allow for XXXX business days. It has now been XXXX and I am being told that it could be another XXXX business days. I am unable to register my car as required by law because of the delay. Customer service has said there is no way to contact the title department and I must just wait. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are no notices or warnings that there is a delay or any process to expedite title services when the lack of title renders the car unusable and violates state law.
Consumer complaint received 2023-08-15
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: Bread Financial Holdings, Inc. (FL)

I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

COMENITY CAPITAL/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

By XX/XX/2017 I had received numerous offers for an American Express Delta credit card. It claimed a reward of XXXX miles for signing up and using the card and spending {$1000.00} in three months. When I tried to sign up for the card, I was given a 20 minute speech. I said I didn't have time to listen for longer. I tried 3 more times but the agents didn't seem to be able to process the application. One agent told me to try online. When I tried online, the message kept saying that my XXXX  FF number wasn't correct, even though I knew it was. I gave up. 

I have called Amex and XXXX  numerous times about this credit card to get the miles and buy my flights with the " free checked bags. '' Each agent and the online information are completely conflicting. Today I signed up for the card, then when I wanted to use it to buy the tickets I had spent DAYS trying to coordinate, it said my purchase limit was {$1000.00}!!!! ONE PART of the ticket I need to buy is {$1100.00}! The other is {$1000.00}, the other is XXXX Euros. The ONLY reason I got this card was to buy these XXXX flights and get the miles. If I don't buy all three parts of the tickets together, I may lose the linked flights. And if I use another credit card, I don't ' get the bag fee waivers or the miles which was the only reason I signed up! I am VERY angry because I know that every time I apply for a card I lose points on my credit score, so I do not like to sign up for cards I don't need. I did not need this card. I already had an AMEX and knew how incompetent Amex Can be ( they sent MY credit cards to a random address and won't tell me what INCORRECT address they have in their system. They risked my having identity theft and did nothing to compensate me for that. 

Amex and XXXX should be fined for this fraud they are committing. 

I want compensation for their lowering my credit score, and I want the XXXX bonus miles I was originally promised, since I didn't get it due to THEIR errors, and I want all bag fees waived and the double miles I would have gotten for {$2200.00} on XXXX. Otherwise, I would have used another credit card and another airline! 

XXXX already failed to credit me for the miles I flew from XXXX  to XXXX,, and the miles my boyfriend flew from XXXX  to XXXX  to XXXX. XXXX and XXXX are both scamming their customers.
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (KS)

In XXXX of XXXX I moved out of my apartment, the apartment manager allowed other people to live in my apartment after me contacting them and letting them know I was no longer residing at the residence. I didnt authorize anyone to be there under my lease and the apartment complex decided to evict me in XXXX of XXXX! Even though I had been out of that apartment for months prior
Consumer complaint received 2022-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a debt on my credit report from walmart XXXX bank that is supposed to be showing as a XXXX balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/XXXX  bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.
Consumer complaint received 2015-12-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (FL)

I heard about a service made out to be similar but better than pay pal called google wallet. I downloaded the app and transferred XXXX $ in total to g wallet. It took about 3 days to clear in both my checking and google wallet account and when it did google wallet took XXXX $ from my checking account and there was only XXXX on my wallet account. i immediately called google wallet while I was in my bank and informed them the issue and they first claimed it was as bank error. the banker I was Cleary stated it was not and entirely Google 's fault. After about XXXX hours of calls and fighting with google wallet they refunded the XXXX extra dollars they had taken within XXXX hours but not the over draft fee the banker charged me. That was XXXX. the XXXX I actually had transferred went to Google wallet and I sent XXXX to google play with no issues. the remainder I was going to use once my wallet card arrived. I received the card XX/XX/XXXX or XX/XX/XXXX and when I tried to activate it they closed my account and said I would not be able to use the card or google wallet period. So I asked for a refund they emailed me a form which called for my bank info to refund me. today is the XX/XX/XXXX. I 've called daily spoken to at least XXXX supervisors had it escalated to higher departments and the only answer I get is they are looking into it. I have now filled out XXXX refund forms spent hours daily speaking with them and gotten nowhere. Should I seek legal action? Please help that XXXX is a lot of money for me.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Beginning on XX/XX/2022 Fraudulent activity began occurring in one of my checking accounts with Chase Bank. On XX/XX/XXXX XXXX issued a statement which was not received by me until XX/XX/2022. At that time I attempted to make a claim for this and although I waited on hold for more than 60 minutes, I could not wait any longer. I did not get back to this matter until I noticed through my online banking in early XXXX that more than XXXX was missing cumulatively from my account with fraud taking place through ACH withdrawals as recently as the day before I made the claim to Chase Bank. The claim was made with the assistance of as Chase Bank representative by phone and I was to wait for a form to be sent to me by Chase in the mail which I needed to sign and return. Two letters arrived. The first letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/XXXX where there were improper credits posted to my account. The second letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/2022 where money was taken from my account. Chase acted immediately on the credits and withdrew from my account. The money taken from me they are not returning due to some excuse about how quickly they got the form back. It is unbelievable to me that they control the speed at which the letter ( claim forms that they fill out ) are sent by mail which is the only way they will send. The day they were received I signed them and proactively took them to the local branch. They do not recognize this as returned but rather they count received only when it is recognized as returned to the claims department. I also have no control over this processing /relay time from the branch to the claims department. ; I have spoken to the claims supervisor and have been afforded no relief. Further Paperwork that I have received from Chase indicates other abnormalities and misrepresentations. One letter ( attached ) clearly shows that they took action on credits and removed money from my account for claims beginning on XX/XX/2022. Another letter states that {$5200.00} of my claim has been denied because of timing of when I reported the claim to Chase. When I spoke to the supervisor she was at a loss for what the meaning was and claimed it was denied for different reason altogether. I know that reading this one must think there must be something I am not saying or that I am leaving out. I assure you this is not the case. Everything stated herein represents the facts. To date out of more than {$20000.00} stolen from my account Chase has returned XXXX, representing just one instance of the fraud perpetrated against my account.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX, Experian, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with XXXX derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Consumer complaint received 2022-04-14
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 (NV)

My previous complaint needs to be re opened. Bank of america and clearly you guys don't know peoples name. I do appreciate being send wintworth and oreal hudsons personal bank statements though. Get it together. RE OPEN MY CLAIM
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

WF closed checking and savings accounts and promised to send cashier 's check for available funds at the time of closure it's been over 4 weeks and when I called they didn't provide any information, still holding on my money and asserted if I don't receive it it may take another XXXX days
Consumer complaint received 2019-09-23
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: Carvana Group, LLC (PA)

CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2022-08-30
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. (NC)

On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from zero late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank did not notify me of an insurance lapse from last year until XX/XX/XXXX and I put a policy in place immediately But in XXXX of XXXX XXXX XXXXXXXX they put a policy in place for last year and charging me {$9000.00} for an {$800.00} policy They did not notify for 9 months normally they send me a request for proof of insurance if I pay it on the due date I called them to try and resolve this but they would not put me thru to a supervisor saying there's no point
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act ( US Bankruptcy Court Reference # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-14
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. (FL)

I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX XXXX complaint XXXX XXXX  no one responded I will attached all of the documentation to here so that all can be seen.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XX/XX/XXXX - called cable company ( XXXX ) to cancel my service. 
Order confirmation # XXXX XXXX XXXX XXXX XXXX given to close account. 
XX/XX/XXXX - dropped off XXXX equipment per instruction. Transaction was logged and an email with return details was received ( see attached ). 
XX/XX/XXXX - Received bill in the mail for {$240.00} for unreturned equipment. 
XX/XX/XXXX - Immediately called XXXX, was directed to a call center and employee XXXX made the correction and provided me with confirmation # XXXX for a {$240.00} credit. 
XX/XX/XXXX - An amount of {$240.00} was posted on my XXXX card by XXXX. 
XX/XX/XXXX - XXXX emailed to inform me that I will be getting a credit of {$230.00} on my next bill XX/XX/XXXX - received collection notice dated XX/XX/XXXX from CCS ( Credit Collection Services ) XX/XX/XXXX - A letter to CCS and XXXX was faxed and mailed. 
XX/XX/XXXX - Submitted a Complaint to CFPB
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (FL)

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-04-14
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. (CO)

Someone named XXXX XXXX stole my birth certificate and social security card a couple years ago and has been trying to open accounts. He lives at XXXX XXXX XXXX in XXXX XXXX az XXXX and is using this address as my current address which is invalid.