davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XX/XX/XXXX, my XXXX XXXX XXXX financed through Capital One Finance was totaled. XXXX, my insurance provider deemed the vehicle as a total loss and deemed the vehicle 's value at the full value of the remaining loan amount. My loan will be at 30 days late on XXXX XXXX, during the processing of the total loss settlement, I had asked the company to place the account on hold to prevent a negative report to the credit bureau. While they knew the car was a total loss for which they would be receiving a check to pay off, they refused to place my account on hold until the check clears and the account is at zero. 

I am a veteran of the United States XXXX XXXX and I am currently experiencing a financial hardship ; I do not have the means to make an extra payment by XXXX XXXX to ensure there is not a bad reporting to the credit bureau. At this point, I have to make a decision between letting my utilities get cut off or make a car payment. Due to the processing time, my account should have been put on hold or in a temporary moratorium to await process times of pay off my loan. The member should not be held liable for this situation. The XXXX claims department has been in contact with Capital One, so they are well aware of the check/pay off by the insurance company. In fact, the representative read the notes back to me pertaining to the settlement. Based on the fact that it has been documented by both XXXX and Capital One that my car is a complete loss and a payment in full is in transit to the lender, it will cause an unnecessary hardship on me financially. I have worked extremely hard to maintain my good credit with Capital One over the years and I feel this is a predatory lending practice that will cause harm to me. 

I respectfully ask for your assistance to address this unfair lending practice by helping me obtain a moratorium on my account to allow for the insurance payment to process and prevent a 30 blemish on my credit. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC (AE)

I purchased a phone from XXXX XXXX in XXXX 2019, at the time I purchased the phone, I notified XXXX that I may have to move for an overseas assignment with the U.S. government. After I moved overseas, I notified XXXX and they send me instructions of how to return the phone and assured me that I would not be responsible for any further charges on the phone once they received it. I returned the phone per the instructions from XXXX, but the Post Office lost the phone on route. I have the tracking number ( XXXX ) to show that the phone arrived XXXX XXXX, Texas where the XXXX facility is located, but it did not arrive at the XXXX facility. I contacted XXXX, which assured me that I would not be held liable for the phone because it was the Post Office, not me, that lost it. However, XXXX nevertheless reported me to a debt collection agency and also perpetuated fraud by false reporting that I was deceased. I contacted XXXX, and the first representative and their supervisor assured me that the charge would be deleted from my account, but then the third representative from their collections department repudiated all the statements that previous XXXX representatives had told me and said that I needed to pay the debt collection agency the full amount.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is bullying me into increasing my insurance coverage on my dwelling to the amount of the mortgage owed and Im being told this is illegal and that the coverage I had was completely appropriate as it was written on replacement cost value basis. An ins agent was furious when I asked for a quote because she said she is not going to be able to get it past underwriting. In order for her to get the dwelling amount up she has to add a bunch of things to my house that are not there. I have been battling w/Wells Fargo for over 3 mos. I can not find a lawyer who will take on Wells Fargo & now I am having a hard time finding adequate ins. & its hurricane season. If we have a storm now and my house is damaged and Im not adequately covered, I will need Wells Fargo to make repair to my home for having put me in this position now. They purchased my mortgage last year and for a year my ins was fine w/them. They claim they are reviewing files now and found my ins not to be enough. I find it hard to believe that they did not review my file when they purchased it and nothing had changed in the year. ( Expect I was 3 mos ahead on my payments. A practice I no longer bless them with ). If I didnt seek other ins on my own they will put ins in place for me and have threatened me that it will not be cheap either. I paid for the ins and provided Wells that proof and they still made payment as well. That in turn raised my mortgage amount because of the adjustment to my escrow acct. I made the payment myself specifically to avoid an adjustment and a negative escrow balance. I am currently going through probate and can not refinance. I feel Wells knows they have me over a barrel and are doing this intentionally. I need an agency to intervene and find out if they are truly going thru files or if they have singled me out. I do not understand how I can be made to insure my home for more than it costs to replace it? I further do not understand why they are messing with my escrow acct like they are when I provided proof of payment both times. Please help. Every time I state something to them, they try to bury me in paper & legal jargon as well as documents I signed at closing ( something about RESPA, etc )
Consumer complaint received 2018-03-05
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. (NY)

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX  is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX  XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I fell behind on my payments due to XXXX sps approved me for a forbearance and when the plan was over I asked for a deferment. I am under review for the deferment but they just placed a notice of sale on my home for XX/XX/2022 even though Im under review for loss mitigation assistance, and they did not file a new Notice of default. 
I just want to start making payments on my home please help.
Consumer complaint received 2018-03-05
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. (FL)

Strictly for XXXX XXXX XXXX, XXXX, TRANSUNION, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-04-28
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. (PA)

I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I am a new customer of Hyundai Finance and my first payment on my car loan was scheduled to be due on XX/XX/2020. I called Hyundai Finance on XX/XX/2020 to request that the due date be change to the XXXX of each month to match when my husband and I get paid. I spoke to XXXX who informed me that the requirements to changing the due date where ( 1 ) Loan must be current ( which it was on XX/XX/XXXX ) and ( 2 ) Change can only be done twice in the life of the loan ( which this would have been the first change ). Since I qualified for the payment due date change, XXXX advised me there would be no problem and the due date was changed to XX/XX/2020 and to the XXXX of each month there after. 

We presumed that the due date had been changed as XXXX confirmed until we received an email on XX/XX/2020 that my loan was now past due. I called Hyundai Finance on XX/XX/2020 after receiving that email, I was given conflicting information that the request was still in progress, that the change was not processed, etc. I was transferred no less than 5 times, put on hold for several hours cumulatively. I was finally transferred to a Supervisor by the name of XXXX ( # XXXX ) who did not care what XXXX had ensured me had been done on XX/XX/XXXX, informed me that now no change could be made to the due date because the account was now one day past due and therefore not current and informed me that a due date can never be changed to the XXXX of the month. I was brand new to this company, called on XX/XX/XXXX way before the due date, and requested and was granted a due date change to the XXXX of each month by XXXX. I relied on that fact and now I am being penalized that XXXX did not do his job right and I relied on it.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (WA)

I have the Chase Sapphire Reserve card, which has a purchase protection caluse of up to {$10000.00} per purchase ( as seen on page 25 of the Benefits Guide ). On XX/XX/ I registered a claim with them for an item that's worth {$2000.00}. Along with the claim, I submitted the original invoice as well as card statement showing the charge to my account to prove that my card was used to pay for the purchase. I can provide the official claim number if needed. 

Chase asked for official repair estimate. I had a repairperson come and run the estimate, which came to {$160.00}. 

Chase told me that they can only pay up to {$500.00} for the purchase protection because that's what the card offers. When I showed them their own, official documentation showing purchase protection on my card of up to {$10000.00} per purchase, they told me they'd look into it and get back to me. It's been three months, and I haven't heard anything back from them, apart from receiving a check for the {$160.00} that the technician charged for the estimate.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

AD ASTRA RECOVERY claims I owe a debt and this is false, I have no open account with the company. AD ASTRA RECOVERY claims they sent me a " validation letter '' and this is false because I did not receive it and they did not provide the proof.
Consumer complaint received 2021-06-02
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. (GA)

These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, I have reported to Department of Justice about people abusing my financial and other accounts by using old email ID 's. 

XXXX -- -- account has been closed by me due to suspicious activities XXXX -- - account has been closed by me due to suspicious activities However, I still see the above email ID 's as associated with my account and waiting verification from me. 

I tried deleting these email ID 's on the website, but the website denies permission to do so. 

So either Bank of America is willfully aiding fraudulent activities when I am traveling out of country or they are ignorant. 

I request Bank of America to remove erroneous email ID 's from the past and stop requesting me to call them to remove unknown email ID 's.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

At the end of XXXX, there was a large amount of fraud on my XXXX  account, so we closed that account and opened a new XXXX  account, called XXXX account XXXX. I notified the bank of a few valid outstanding checks on the original XXXX account, and instructed them to process only those checks. 

On XX/XX/XXXX, two new fraudulent checks were presented to the bank on the original XXXX  account and they paid the checks. I promptly notified them : ( 1 ) that the check was fraudulent; and ( 2 ) it was not one of the approved checks I had sent them as valid. I am unable to access an image of either of these two fraudulent checks. I attach the information about the checks. 

To date they have failed to return my funds. They say they are overwhelmed with fraud claims and can not give a response.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

I sold 2 items on XXXX  and the buyers paid through PayPal. PayPal is refusing to give me the money from my XXXX sales when I have provided all the necessary documents to prove that the money I received is from XXXX sales. Clearly the transaction matches XXXX. I have all the proof and also calls recorded that say my account would be lifted if I provide the correct documents which I have done. I have shipped the items to the buyers and have provided the correct tracking information and invoices of these sales to PayPal along with a photo copy of my drivers license! PayPal is holding {$600.00} from me. I want PayPal to release my money. This is not a new PayPal account and was created 5 years ago!
Consumer complaint received 2018-03-05
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. (FL)

It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

From : XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX ; <XXXX> Cc : XXXXquestions <XXXX> ; XXXX   <XXXX> Subject : Re : Loan XXXX Online Payment Fees Greetings, You recently acquired our loan without our intention or wishes. In over 13 years we have never been charged a {$15.00} fee to pay our loan online through the original lender, XXXX. We are not happy or satisfied that SPS charges {$15.00} for the pleasure of accepting online ACH payments. This means we would have been serviced at the tune of over {$2300.00} in monthly fees on our original loan from XXXX. 

According to your website, XXXX XXXX XXXX your company has three core values, Integrity, Intelligence and Intensity. I suggest you review Integrity and Intensity.

Integrity : " We work honestly and fairly with all customers, clients and co-workers. '' $ 15/month for ACH payments is shameful and wholly unfair and dishonest as these are automated cash transactions between financial institutions. 

Intensity : " We work hard to exceed expectations. '' " We always honor our client and customer commitments. '' " We deliver superior service to every customer, every client, every day. '' This is the first interaction we've had with your company. SPS has completely failed our expectations. We expect acceptance of full timely payments to only include interest, principle, and escrow.

Please explain how SPS is honoring a commitment we have never entered into or agreed to regarding these fees?

We challenge SPS to fully explain how your company 's {$15.00} additional payment penalty fee delivers us superior service? 

This personal financial correspondence has specifically been addressed to the Commonwealth of Virginia 's State Corporation Commission, Bureau of Financial Institutions Division, for their consideration and attention to this matter. We eagerly anticipate SPS ' response.

Very Sincerely, Homeowner 1 Homeowner 2
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX The status of this account is closed. I paid {$96.00} and its been written off. Im trying to get this potentially negative account removed off my credit report.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Affirm Holdings, Inc (TX)

I have a credit account with AFFIRM. The account is verified by your mobile phone number. I got a new cellphone with a new mobile phone number. When I tried to access my account to manage my payments with the new phone number, it instructed me to submit the new number and wait for an email to verify my identity with a picture of my ID front and back. I followed the procedure and never got the email. I called 3-4 times and changed the phone number over the phone and each time, they verified my identity over the phone, took my new phone number and told me to wait for the email that would link me to send a photo of my ID. Its going on two months now, I just called again and nothing had been done, I verified my email and identity again over the phone and was told to wait another 7-10 business days. I am blocked out of my credit account. My payments are set up automatic thru my bank and I have no idea what has been paid off and the auto payments keep coming out without my access to the AFFIRM account to manage my account. I believe this is FRAUD and done deliberately so I won't be able to know where my auto payments are going and to which loan it is being applied. I am not going to wait another 7-10 business days to call again and get the same run around.