davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (WA)

I recently moved from XXXX XXXX XXXX state. The week of XX/XX/XXXX, which was the first week I arrived after the move, and I requested a title transfer from Hyundai Motor Finance through their website that week. I am still waiting for the title to be sent to XXXX for processing, so I can register the title in my new state ( XXXX XXXX The Hyundai Motor Finance website asked me for my DMV information, which it turns out was wrong. XXXX  only uses DMV for driver 's licenses. The XXXX Department of Revenue handles all automobile titles, but instead of informing me of this, Hyundai cancelled my transfer request without notifying me. Meanwhile, I reached out to them for an update, and they " escalated '' my request, again instead of informing me it had been cancelled. Finally, I found a TR-42 form myself from the state of XXXX filled out the title transfer request and several more weeks went by with no updates, only that it was " pending. '' No actions had been taken, and I was told there was no further action from my end ( repeatedly ). They finally told me my request had been cancelled when I spoke to a manager at Hyundai Motor Finance ( titles division ), and we started over again. Then I sent them ( via email ) a copy of the TR-42 form that I found myself on XX/XX/year>. Then almost another month went by ( I called several more times ) before I received the TR-42 form in the mail, notarized by them. I drove it over to the XXXX title agency ( again, not the DMV ), and they signed and faxed the request back to Hyundai. Instead of sending this form to XXXX they requested a release of the title to them. So that's what XXXX did. I'm still waiting for the title. Hyundai tells me they haven't received it, but XXXX  Dept. of revenue sent it to them on XX/XX/XXXX. It's now been 2 months! My XXXX registration is due in XXXX, and I don't live there anymore. The title is now " in limbo '' waiting to be processed by Hyundai Motor Finance, so I can register my car in XXXX  state. This has been a horrible process with little to no action taken from their end.
Consumer complaint received 2024-05-09
Product: Credit 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: Chime Financial Inc (FL)

I used my card at an atm. The ATM lost power. I did not get my money. I filed a dispute over a month ago. I have provided chime with a statement from the ATM owner, filed a complaint with the XXXX. In that complaint Chime was present a charge back settlement saying I should be credited XXXX. They are refusing to speak with me or credit my money. 

I have been been hung up over 56 times. This company has no interest in resolving my problem or giving me my money back even though I have given them everything they need to do so.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Someone used my Capital One credit card account without my permission to purchase a XXXX purchases. Contact Capital One 15 times about this matter and they refused to resolve this situation. The reason why Capital One refuses to credit fraud on this dispute is because the transaction had was made with the exact Address from my Capital One account. Capital one never sent me any documents asking for more information regarding this account.
Consumer complaint received 2020-09-10
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: Merchants and Professional Bureau, Inc. (TX)

I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX  and XXXX  received my mail and quickly deleted the debt from their record. 
XXXX  failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed XXXX  response ).

Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

I am currently an American Express Business Platinum card holder. For almost the last month I have been unable to use any of Membership Rewards for travel purchases or transfers. I have contacted American Express multiple times and am continuously transferred to multiple departments, all telling me different reasons for why the site is down as well as different time frames that it should work again. I have not received any call backs regarding the issue and am now going on almost 30 days of being locked out of using any membership rewards points I have earned. At this time the only help I have been offered is to have their 'travel team ' book my travel for me for a fee. It seems ridiculous that AMEX has locked me out of my account and is forcing me to pay a fee to book travel that I should otherwise be able to do for free on my own via the amex travel site.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, around XXXX MST, I went to my Chime app to make a mobile check deposit in the amount of {$200.00}. The check was from my Georgia state tax refund for tax year XXXX. When I opened the mobile deposit screen in the Chime app, I entered the amount of the check ( exactly XXXX ) and the app said my funds would be available today ( XX/XX/XXXX ) by XXXX XXXX  XXXX. I agreed with this time frame, so I took pictures of the front and back of the check as required in the app and submitted the deposit. A few minutes after completing the deposit, I got an email stating that the " updated '' deposit availability would be by end of day XX/XX/XXXX, a full week later. I did not agree to these after the fact changed terms, so i called Chime and asked them to cancel the deposit. The Chime employee on the phone said they could not do that. I said I can't wait a week for the money. The Chime employee suggested that I go cash the check somewhere else, and when the money becomes available in my Chime account, she recommended not to spend it. If I cash a check after depositing it elsewhere, and the money they clears Chime before the other bank ( one that gave me cash on the spot ) that would be a crime in Arizona. Not only did Chime bait and switch me, they then suggested I potentially commit check fraud as a resolution. It is unreal how dishonest this company is.
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

My loan was recently sold from XXXX to Carrington Mortgage Services , LLC . 

The first time I paid my loan with Carrington, I paid over the phone and was charged a {$10.00} processing fee. I did not talk to a human. The transaction was 100 % automated. I paid with my checking account information. 

This month, I paid on-line thinking I would avoid the {$10.00} fee. Carrington charges a {$5.00} processing fee to make an on-line payment. Again, no human contact. I entered all the information. 

I called customer service and asked about fee free options. I was told to I could mail my payment ( who DOES this ) or get set up on an auto pay. 

In doing the math, if using the internet to make a payment, this company will make an additional {$1800.00} over the course of a 30 year mortgage to TAKE MY MONEY. If a person were to pay via phone, that amount doubles to {$3600.00}. To TAKE MONEY. How can processing an automated payment be more labor or cost intensive than a physical check? This is an additional money grab and I would like to know if this is a legal practice. 

This company has a mailing address in Illinois. I live in Minnesota. I did not choose this mortgage company. 

Thank you for your help. Please cite the law where this is legal. I would like to look at the statute.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I keep getting calls from Midland Credit XXXX. They call multiple times a day with different XXXX numbers. When you inquire about the issue they do not give you enough information. They say this is about general collections, they give no creditor they are collecting for or any way to dispute their entry. They have bought my charged off debts and are not disclosing any information on resolving them. Midland just says that this is an attempt to collect a debt but does not give you anything else.
Consumer complaint received 2016-02-10
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I 've been a member of PAYPAL and Ebay for over 12 yrs. They have a policy/agreement that is to pay instantly to my account if I have a certain amount of sales. I have had more than enough to qualify and for years Paypal has instantly put my Auction sales in my accessible funds. Today I sold over XXXX items on Ebay and Paypal made all except XXXX available. So I called to find out why a hold was on it. XXXX Paypal claimed it was because of an shipping number when the label was paid for through Paypal w/ the tracking #. Then they claimed it was because of algarhythym and the computer is treating my account like a new XXXX so I will not get my funds as per their agreement and that although they verified the tracking and that it is an " As Is " No return ad in the auction I still have to wait until 3 days after the person gets the item or 21 days before they release my funds.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (GA)

I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have any contracts with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. 

Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2012 Status -- Amount {$1600.00} Classification -- Type legalitems
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (TX)

They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/XXXX I noticed 2 transactions on my account from a XXXX for XXXX and XXXX. I immediately disputed the transaction and checked my email history. I showed a transaction several months ago for tickets that i never purchased or authorized to be purchased. I reached out to sonic temple and was told they wouldn't do anything to fix the transaction. I disputed the charges and the dipsute was denied XX/XX/year> and i was charged XXXX and XXXX.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NJ)

I went to XXXX to deposit XXXX dollars into my CHIME checking account shortly after I received a few emails explaining that my accounts have been closed so when I called them they were very rude would not tell me why account was closed but proceeded to tell me that my account is closed and all my fund are not refundable, then they proceeded to hang up on me I called back XXXX more times getting different people on the phone to tell me same thing that the XXXX dollars in my account is gone I will not be getting back and all three of them hung up on me they are very rude and use disrespectful language, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I was unfortunately XXXX from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX XXXX I'm XXXX XXXX, TX. Before my XX/XX/XXXX I had requested a new debit card due to a couple suspicious transactions and had not received the new card prior to my arrest. During the time I was XX/XX/XXXX someone had accessed my new debit card, activated it, and made numerous unauthorized transactions totaling roughly {$480.00}. I had disputed it 3 times after my release submitting proof such as a letter of XX/XX/XXXX from the XXXX XXXX XXXX with contact info for the XXXX XXXX department clearly listed so that Chime may verify the info. I was unfortunately rearrested XX/XX/XXXX and released again XX/XX/XXXX at which time I filed a 4th rebuttal against these charges to be denied again. Every single time I have been denied I had requested the documentation that Chime based their decision on and never received anything.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied the XXXX XXXX platinum credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX XXXX removed my XXXX Membership Rewards points on XX/XX/XXXX.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TN)

Today I received an email stating that my credit card company, American Express, did not receive my payment and was charged {$37.00} fee. I knew for a fact that I paid it because I have set my bank account to automatically send on the XXXX of each month. This had happened before and they tried to raise my rate to something crazy like 25 %. I thought I had messed up, but looking back I did not and I indeed made a payment. I paid ahead so I knew that when my payment was due on the XXXX of each month that my payment from my bank account would get there in plenty of time. 

I called today and spoke with a representative and yes, I did make 2 payments. I made one on XXXX XXXX that paid XXXX XXXX 's payment and I did pay again on XXXX XXXX to pay the XXXX XXXX payment. When speaking to the rep, she informed me that the XXXX XXXX payment did n't count toward my XXXX payment ( even though the XXXX payment had been made ) because I would have to make it in the month of XXXX to count and I just paid extra in XXXX. This is ridiculous! No other card I have punishes you for making a payment early and tells you that you did n't make your payment and charges you at {$37.00} fee. If I pay early, then a lot of times I do n't show a minimum payment for the next month. My mim payment is XXXX and I am paying XXXX and they are charging a late fee.
Consumer complaint received 2020-06-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was in a bad place just starting job and needed money but due to bad credit I was able to get a XXXX dollar loan from Ace Cash. I was able to pay in full the first time but it left me short of rent, which meant I took out second loan at same amount to pay rent. I was unable to pay due to unexpected medical expenses and being a single father paying child support on one child and supporting the other as well as paying bills by myself it has left me in a tough position to pay back. Ace Cash started calling and I tried to find a way to pay them back incrementally without leaving me and my children homeless just to pay them back on a XXXX dollar loan. They started calling me on my work phone threatening to contact my supervisor and apprise him of situation, which has nothing to do with my supervisor. I tried explaining what amounts I can work with and they refused to make an acceptable amount and they were making me commit to a XXXX dollars every 2 weeks for the next 18 months. So now from XXXX they have gone to XXXX, I have tried a few times to have them if I don't have it to give at this time what am I supposed to do. I can do incremental payments of XXXX but not every check.
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (SC)

On XXXX XXXX I notice an alert on my XXXX account stating that I was denied for a loan/ line of credit. I reached out to the company about this concern they couldnt tell me anything and not to worry because the loan didnt get approved. I had to freeze my credit because that was a major concern to me. Ive never heard of the company or applied for any loan or line of credit. They stated they would mail me some information regarding the matter and they did not. I told the company Barclays Bank that it was indeed on my credit report. I reached out to XXXX twice about this situation and they told me I would need to reach out to XXXX about getting it removed from my credit report