davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (PA)

I have attempted multiple times to dispute the validity of the entry on my credit report with the credit bureaus and now with the creditor directly. Credit collection services has received disputes directly from me on XX/XX/XXXX & XX/XX/XXXX respectively requesting verification as well as method of validation. The status remains open although I have never held an account with this entity. They have sent proof of a automated bill from XXXX in which they have no verifiable legal right to receive any payment. Under FCRA U.S Code 15 Section 1681i ( a ) ( 5 ) ( A ) ( I ) I demand, as my right as a consumer that this entry be deleted. Attached you will find supporting documents of communication.
Consumer complaint received 2022-04-06
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS XXXX
Consumer complaint received 2018-04-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-05
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: TD BANK US HOLDING COMPANY (NY)

I have recently obtained a copy of my XXXX  credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX  credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Consumer complaint received 2018-04-05
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: BMW Financial Services NA, LLC (NY)

I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I had a Wells Fargo account for several years and I was constantly charged a monthly service fee, over draft fees and non-sufficient fund fees. Seeing as I had been unjustifiably charged, I am eligible to receive a payment for these fees and outrageous deductions. They have improperly charged my account so many fees over the years, that it was beyond the scope of reasonable. However, for some reason, I did not receive a check from the Wells Fargo/CFPB settlement fund. Could you please investigate the reason behind this?
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018 I wrote a personal check issued by the XXXX XXXX XXXX  to my husband in the amount of {$2000.00}. He deposited the check via Bank of America local ATM ( where he holds his checking and savings account ) the same day XX/XX/2018 at XXXX. The print-out receipt, which includes a photo-shot of the deposited check, stated that " A hold has been placed on your deposit. Total amount delayed {$2000.00}. Reason : A hold was placed on your check ( s ) because specific information indicates item may be returned. '' On XX/XX/2018 I called the XXXX XXXX XXXX XXXX   automated service and verified that the check issued to my husband in the amount of {$2000.00} was already withdrawn from my account as of XX/XX/2018. My husband and I immediately called the Bank of America to clarify the situation and complain about the unreasonable length of their hold on our check, especially considering that the funds were already withdrawn from my XXXX XXXX account. 

We first spoke with a representative ( my husband has a profound XXXX XXXX and authorised me to speak on his behalf ). Getting no satisfaction, we asked to be transferred to the supervisor. XXXX XXXX, the supervisor who spoke to us, informed us that there was nothing the bank could do to expedite the availability of the deposited funds, and the {$2000.00} will not be available earlier than XX/XX/18, despite the fact that the money was already withdrawn from the bank issuing the check. We advised the supervisor that according to the federal regulation on ATM deposits, if the deposit is made with the ATM of the bank that holds the account, a check in the amount of over {$200.00} should be available after two business days. Still, the supervisor insisted that nothing can be done to make the funds available to us prior to the XX/XX/18 date that was stamped on the initial deposit receipt. No one has ever advised us that Bank of America can have such liberties of putting a hold on the check for such a lengthy period of time, and after the funds were already withdrawn from the account of the issuing bank ( XXXX XXXX ). Thank you very much for your help.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MA)

Around the end of XXXX I responded to an ad on parent company PayPal 's site for a {$10.00} bonus for opening a Venmo account and verifying your number. I did so and was first told by Venmo that I would receive the bonus on XX/XX/XXXX, XX/XX/XXXX at the latest. XX/XX/XXXX came and went, and now on XX/XX/XXXX they're changing their tune and passing the buck
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

Nothing but non-stop issues from XX/XX/XXXX for my XXXX XXXX XXXX loan through KMF. This all started with the dealership forcing the extended warranty and GAP insurance on the contract against my explicit request to the sales rep, her manager, and the finance manager. 

The refund was submitted incorrectly in XX/XX/XXXX by the dealership, which resulted in being applied to monthly payments. This was apparently against KMF 's policy, but went undetected for 7 months. The dealership also sent an erroneous payment, which was also submitted incorrectly and resulted in multiple months showing {$0.00} due. This was corrected in XX/XX/XXXX, but I was penalized for it despite the issue being completely out of my control. KMF treated me as a delinquent customer and requested the full amount due, which was paid promptly. They then ruined my 100 % payment history by reporting delinquent to bureaus for the months of XXXX, XXXX, and XXXX. 

They then assessed the interest completely wrong, hundreds of dollars over by completely ignoring the refund payment and assessing daily as if I never made any payments for the months in question. I have attached my statements, which clearly show {$0.00} for those months so how could I possibly be considered late? 

I should not be penalized for mistakes between the dealership and KMF as I had zero control over how any of it was handled. I have filed disputes with all 3 credit bureaus and KMF has lied to each of them saying that the information is accurate. Contacting KMF I only get the run-around or flat out being told the person couldn't help me at all. These issues have been neglected for over a month.
Consumer complaint received 2023-02-08
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. (IL)

I have account with XXXX XXXX for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XX/XX/XXXX and XXXXXXXX XXXX sent me new credit card. I start using credit card but I never received any bank statement from XXXX XXXX 
I find out from XXXX XXXX XXXX XXXX XXXX that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX XXXX XXXX  or did not receive statements. XXXX XXXX gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX XXXX XXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX XXXX.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have account with XXXX XXXX for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XXXX XXXX XXXX XXXX XXXX sent me new credit card. I start using credit card but I never received any bank statement from XXXX XXXX 
I find out from XXXX XXXX XXXX XXXX XXXX  that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX XXXX  gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX XXXX XXXXXXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

This all started on the XXXX XXXX, 2022 I was on my way home from college abour an XXXX XXXX and went to go pick up food once i left i got a call saying that i have been using my card for suspicious activity and i told that that no that was not me so they said they were going to deny the transaction and i believed keep in mind i was driving so i couldn't look at my phone about the account so they said they were going to give me a new card and everything and so i believe the problem was resolved. On XXXX XXXX, 2022 i looked at my account and realize that about XXXX dollars were tele transfered into my savings account and XXXX dollars were used in transactions for an XXXX XXXX, XXXX XXXX and other stores and the person was using digital wallet for XXXX pay but i never put my card into XXXX  pay nor paid from my phone while also receiving an email saying about fraud suspicion so i called the wells fargo bank saying to them i want to dispute the transaction because i had my card the whole time and i was not in those locations and so they file the transactions and so i turned off my card and changed my username and password because i was not sure if the person went into my account. 10 days passed i got the claim saying that i did those transactions and so i filed a complaint saying that was not me i had my card the whole time and i even talked to the supervisor and the XXXX team and told me to wait more days and so i waited and they still aaid i did the transactions and so i decided to check on why they keeped denying it. A month passed and they still said they cant do anything so i check to see if they got the information right and turns out they did not get XXXX other transactions i told them about so i sent the claim again and 10 days later they said it was still me and keep in mind that card i got rid of the day they sent me the card that was on XXXX XXXX as of right now they have not looked at it and sent me the reports of why they denied my claim and i sent them XXXX claims and XXXX complaints now and still nothing.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (PA)

I called to close my account in XXXX. The company assured me that the account was closed. Months later they charged me {$5.00} on an closed account and reported a late payment when the account and closed and cleared months prior, l.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Reference : Chase Auto Loan Account Number XXXX Payment Amount : XXXX Principal Balance as of XX/XX/XXXX {$40000.00} XXXX XXXX XXXX To whom it may concern : On XX/XX/XXXX, I realized that we would not have the funds available to pay the car payment to JPMC for XXXX or XXXX because my husband 's unemployment payment did not cover all the bills. He's been out of work due to Covid-19. We have a child with pre-existing medical conditions that are susceptible to the virus, and I have XXXX  XXXX which would ultimately be a death sentence if I contract the virus. Therefore, my husband can not work unless he lives away from home. On the XXXX of XXXX, I call the Chase Covid-19 support telephone number to request a deferment. I also called the number 5 times on the XXXX of XXXX because I knew that the payment would be 30 days late if it wasn't made by the XXXX of XX/XX/XXXX. Every time I called, the number attempted to transfer me to the representative, but each time it simply disconnected the call. I tried different times throughout the day on the XXXX of XXXX and the call would never go through. I called again on the XXXX of XXXX and finally, the call went through to the representative and we were approved for a deferment of payments for XXXX and XX/XX/XXXX. Now, the company refuses to remove the late payment reported for XX/XX/XXXX on my credit report. I've spoken to representatives. I've faxed requested information that supports the numbers called as we urgently attempted to obtatin assistance more than 6 times. and Chase refuses to correct the late payment on my credit report. The company approved me a deferment but still reports the payment late. That is ridiculous. Please assist me in obtaining fair credit reporting of my account.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (CA)

I was notified of approval and needed to finish the documentation, I called and emailed to try and verify info but they didnt answer my questions, I went on to finish the application even linking it to my bank. 
It was denied for information I could probably have corrected or provided statements for, I was never ever given the chance to correct the issue. 
This seems not only deceptive but misleading into a contract.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I financed a vehicle in XX/XX/XXXX for a term of 72 payments. I have been paying an additional {$60.00} each month in an effort to reduce the length of my loan from XXXX to 60 months and, most importantly, reduce the amount of interest incurring during the loan life. XXXX of XXXX, Hyundai retroactively changed all of my principal payments to be reflected as " pre-payment '' instead of payment on principal, thereby allowing them to charge the maximum amount of interest, rather than pay interest on only the principal. This is how compound interest works. Hence, my attempt to reduce the principal balance as quickly as possible. I have been calling once a week since XXXX to have these adjustments the applied to my account without my authorization corrected. Ive spoken to customer service reps, supervisors, their supervisors, and their supervisors. Everyone says they will have it corrected in 3 days, only to further complicate the situation. I've requested call backs from supervisors with no return phone calls, I've been hung up on, and have been placed on hold for hours at a time. My payment history online makes zero sense and reflects no payments due months, wrong payment amounts, {$60.00}, {$120.00}, XXXX, XXXX, XXXX ... I can not tell my current balance, and I have zero confidence that my interest has been calculated correctly XXXX certainly resulting in a profit on their end and overpayment on mine ). I feel I have been overcharged, payments have not been reflected correctly since XXXX of XXXX ( or at all ), and I feel very taken advantage of. I've attempted many times to have these issues corrected, I have requested that my payments be reflected correctly online and, in my statements, to verify accuracy. In fact, my account currently reflects that I owe a balance in XXXX of {$100.00}. This indicates that a {$300.00} prepayment continues to be reflect in my XXXX statement. As I have requested months, there are NO prepayments, ONLY principal payments to effectively reduce the principle.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

I'm an XXXX. I use the Western Union website to transfer money to a friend in XXXX who has very little income. I have done this for a couple of years, usually XXXX or XXXX transfers/month. 

Until XXXX of this year, the money was available for pickup the same day I made the transaction. Western Union has NEVER had a problem making a withdrawal from my checking account. 

In XXXX I was surprised the money was taken from my checking account by Western Union, but there would still be a XXXX day delay until it was available for pickup. I made a complaint to Western Union via their website on XX/XX/XXXX, got an email acknowledgement ( We have captured your inquiry under case number XXXX ). 

I emailed them again on XX/XX/XXXX asking for a response. Nothing. 

I believe it is very unfair for them to take the money, use it, and delay the pickup. 

-- -- Recent transactions, XXXX delay pickup delay, money taken next day. 

Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX -- -- Earlier transfers, money available same day for pickup Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX 10
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (NC)

I was made aware of a rate change to my car loan in XX/XX/2021 by XXXX XXXX from 18 % to 18.3 %. I immediately called the company and asked why they changed the rate. They assured me that the rate was still 18 % and had not changed. I noticed on my bill that the rate had been removed. During my investigation into the matter I received phone calls from different companies offering to refinance my 18.3 % loan to a lower interest rate. I immediately contacted the company again about the raised interest rate. I was asked how did I know that the interest rate changed. I told them that XXXX XXXX monitors my credit report and they told me. They said that XXXX XXXX doesn't always tell the truth.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A dispute letter was sent out to Transunion on XX/XX/XXXX disputing an account from the XXXX XXXX XXXX XXXX It popped up on my credit report fraudulently. Also, I called and spoke with a representative at Transunion about the fraudulent account. I didn't receive a response back from Transunion until XX/XX/XXXX. Which stated they investigated the accuracy of the account and it remains on my credit file. No information was given to me by Transunion of what information validated that this was indeed my account. No signed contract, no proof of identification, no signature from myself, no balance owed and no evidence that this was my account period. I only received a copy of my report.
Consumer complaint received 2021-06-30
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.