davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (NY)

On Thursday, XX/XX/2021, I made a dispute of XXXX they made a mistake that chime try to say that they gave me my XXXX back they found out it was an error they had emailed me and they said I won the case. in order them to give me my money back they said they gave to me it back XX/XX/XXXX which is not true it would have been in the bank statement I would had had more than XXXX or it would have taken out of my account it would have stated that on my bank statement and app. Chime try to give me a provisional credit of XXXX when my account was XXXX when they put it XXXX. I ask them why is XXXX they said that they gave me a provisional credit of XXXX and my account will be back to XXXX back. and that never happen they gave me an excuse. I explain to them that in XXXX world remit gave me my refund and they took it back again the keep giving it to me and keep taking it back. now they said that I was able to lose my money because I made a transfer XXXX and gave the transfer to friends which I told them it was not me I was a scam that when I close off my card. The dispute department did that to me. XXXX gave them arn number for them to trace the money where they can trace my money that worldremit put back to my account they refuse to do it. The dispute department instead they took down the information and I dispute and won the case again and still refuse to give me back my money. Chime the dispute department refuse to check my balance to see what I was talking about.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Around  XXXX  or  XXXX  of  XXXX  my husband and I visited  XXXX   XXXX  to finance a car. A sales person helped us out and assisted us with the purchase of a  XXXX   XXXX   XXXX . We signed all kinds of paper work a contract etc..The initial purchase for the vehicle was for {$16000.00}. As of now currently my balance is {$17000.00}. Last week on  XXXX / XXXX / XXXX , I called the finance company to ask for a review of my account because my statement does n't make any sense to me. Apparently I was told by the representative at Santander  XXXX  company that the contract I signed is a " simple interest contract '' she explained that interest occurs everyday the amount of {$10.00}, adding up to about $ 310 monthly and other additional fees, I was completel y un  aware of this kind of contract I was signing, it was not explained to me. With that said my monthly car payment is {$420.00} and every month I pay all the money goes to only interest fees and {$0.00} towards the car payment.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (NC)

On XX/XX/2020, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked " Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were " New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, " Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.
Consumer complaint received 2017-04-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY ()

My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ascension Point Recovery Services, LLC (FL)

My father XXXX XXXX on XX/XX/XXXX. I am the court appointed executor of his estate. I received a bill dated XX/XX/XXXX ( received on XX/XX/XXXX ). As the original creditor is not listed on this correspondence, I called to ensure this debt is not being collected under the original creditor name and a collection company. After requesting a manager, I was transferred to XXXX who advised me it is " Against the Law '' for him to tell me the creditor on this debt. When I asked what law it was against, he openly admitted he did not know and did not even know if there was a law prohibiting it. He transferred me to his supervisor XXXX and she also refused to identify the initial creditor. Ascension Point is practicing deceptive collection practices through both the failure to identify the original creditor which is required by law and through the use of intimidation by making false statements such as " Against the Law ''
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

On Monday XX/XX/2024 I went on the website Netcredit to apply online the website stated it would not hurt my credit, so I went ahead and they stated that I was approved it ran my credit report and then it would not allow me to move forward so I contacted a rep from the company net credit gave her my information she did advise to me I was approved now the system stating denial but they ran my credit and place an inquire on my report. I want the inquire removed or give me the loan one or the other.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Informative Research (AZ)

I have been in the process of obtaining a mortgage. The report by the recent report says my address is false and is a commercial non-residential ( XPN ) It say " XXXX Red Flag Alert XXXX - Personal identifying information provided is of a type commonly associated with fraudulent activity as indicated by internal or third-party sources used by the financial institution or creditor. '' It also adds in their message to the mortgage company " this may indicate the applicant is attempting to take-over the identity of another consumer ''. It goes on to say I have 38 seriously delinquencies and public record or collection filed ; 18 number of accounts delinquent ; 10-proportion of balance to high credit on bank revolving accounts ; 14-length of time accounts have been established. '' this simply does not describe me or my credit. It almost sounds like they have pulled the wrong XXXX XXXX XXXX. The few credit cards I have are either at a XXXX  balance or the one with my bank ( that I've banked with for the last 13 yrs. ) is at 30 % of available credit. My address has been the same for 2 1/2 yrs. and is a mobile home park, that has been established for over 25 years. Everyone in the park has the same address except each of us must add our Lot # to receive any mail. I'm so upset that they have painted such a negative picture of me. I own my mobile home and pay taxes. This type of " RED FLAG '' false information will never help me secure a mortgage to move back where my family resides. The company name providing this false information is Informative Research.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (CT)

The FedLoan Servicing has done nothing but pass my umber out to a debt collector without attempting to respond to any of my issues toward payment plans, etc. Up until three weeks ago I was unemployed with a XXXX loan of upwards {$800.00} a month without including the now {$300.00} for FedLoan ( which I did n't even know I had until I received a monthly email starting a few months ago ). I can not afford to pay this and instead of attempting to make any rectifications towards this matter they passed my personal unlisted cell phone number to multiple numbers and now I am solicited for payment without even understanding why they wo n't work anything out.
Consumer complaint received 2024-05-07
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: GOLDMAN SACHS BANK USA (CA)

I received tampered food from a restaurant. They fired the worker who tampered with my food and the restaurant owner called me and apologized, and told me to get a refund through XXXX. Ive never been able to get a refund. Both denied my request. It was for {$57.00}.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We applied for a mortgage loan with Chase Bank in  XXXX . We were " pre-qualified ''. Once we found the property we wanted and a signed contract, we met with the loan processer and started the ball rolling. She gave us a list of the items we needed to provide and the " deadline '' for each and we me t each one. Each  time, we were asked for additional documentation, we provided it immediately. She had a little panic moment once when she thought they were not going to approve the loan because the appraiser told them he could not find comps, which he eventually did and furnished an appraisal. At one point, the told us we needed to withdraw funds fro m our 401K to  pay off our truck which is financed at 0.9 % interest! We were able to produce additional proof of income to offset the truck payment. ( our daughter lives  in one of our ho uses and we had never had her sign a lease, which we did to prove income ) Just when we thought we were ready to close, she contacts us and says the loan is approved, but they are asking for a survey. The survey took  2  weeks to obtain and cost {$2000.00} plus the seller requested additional earnest money because it was taking so long. We provided the survey and the next day, she contacts us and says they are denying the loan. Why? Because even though my husband is " retired '' ( drawing   XXXX   benef its ), he rem ains listed as " active '' on the independent contracting firm 's roster that he has worked for the last 14 years. While he is receiving SS benefits, he is allowed to earn a nominal income to supplement. We have demonstrated the ability to pay at every turn. We have ample assets to protect their interest. There is NO reason ( especially the one the g ave us ) to d eny this loan. It ha s been two months  and we need to get this done. We are out {$2000.00} at their request plus the additional monies we had to send the seller. We need to close this loan!
Consumer complaint received 2022-10-04
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: AMERICAN EXPRESS COMPANY (SC)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Rauch-Milliken International, Inc. (KY)

The collection agenc y, Rauch-Milliken International , Inc., was hired  by   XXXX   XXXX   XXXX  . In  XXXX  of  2016 I tried to r each out to  XXXX   XXXX   XXXX  many times via email and phone. I wanted to inform them I no longer wished to use their service. I ha ve zero  call back or communication from the. They auto renewed my advertisement without a verbal or written agreement from me. The collection  agency Rauch-Milliken International , Inc., is now harassi ng my office staff and sending me threatening letters.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PA)

My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
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My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
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On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I lost my job in XX/XX/2020 due to pandemic. I reached out to kohls to inform them and was told they would waive the late fees and no payments until I was financially stable to make payments. At the time I also had some kohls cash but everything shutdown and was unable to use but was told that once stores reopened they would honor it. 

I reached out regarding the {$65.00} fees that was not credited back to my account and rep told me there was nothing they can do that I had to pay it and also that they could not honor my {$40.00} kohls cash afterall.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

XX/XX/21, I called Citibank requesting details about my recent scam transaction that I need to provide to the XXXX XXXX police. My case is currently with XXXX XXXX. I specified that I need a statement from the bank showing my name, my bank, my account, the date of the wire, the amount of the wire, the person receiving the wire, the bank receiving the wire, and the account receiving the wire. I know all those information myself! I just need a statement from the bank! And I told the representative that I have the bank statement but the bank statement information isn't enough since it only states the date of the wire and the amount but the person receiving the money and the bank receiving the money is not there. Citibank said they will email me the details but they send me the bank statement. Then on XX/XX/21, I called again. They still send me the bank statement. On XX/XX/21, I called again and they still send me the bank statement regardless of what I specify. This is a criminal case that I am chasing after and they are delaying it! I AM REALLY ANGRY. I am not asking for someone else 's statement. I am asking for my OWN statement with DETAIL and they CAN NOT provide a statement of their OWN bank. How can I trust Citibank have my best interest in mind when I already opened up several investigations with them and they keep closing them on these same few wires? I am VERY DISAPPOINTED and FRUSTRATED and EXHAUSTED about this. How many phone calls do I HAVE TO CALL? How many more people do I have to speak with and they give me same superficial answers and still not do what I ask for?
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (MA)

Everytime I make a payment to my credit card ( Barclays Bank XXXX Card ), they withdraw the funds from my checking account but do n't record it to my credit card until 7-10 days later. 
They 're obviously holding my money. Is this legal?