davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

At the end of my Kia Finance lease XX/XX/2017 they attempted to charge me for wear and tear for {$680.00} even though I had purchased an insurance plan to cover any of these expenses when I originally leased the car. After pointing this out to Kia and sending them a copy of the insurance plan they told me not to pay any charges until they finished their research. After 3 months they charged off the {$680.00} and did not contact me. My payment record was spotless. All of my credit history is outstanding.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (CA)

In early XXXX, I miss my payment, I gets the call from u.s bank about missing payment after 30 days, I told them I didn't received any Bill yet can you Re send it then I wait again for the statement never received I went to the branch to make a payments they told me we already reports to CRA. I said well I request the statement to pay which I never received it. Why did this. Answer was you did pay your Bill. In XXXX I request to be removed from my report, I mail in the request to one of the u.s bank that are in charge of reporting, the branch gave me the address where to be mail to, I receive tge answer without fixing the problem, in the response was all information are accurate we can't remove it. So please can you help me to fix this issues. Thank you
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (NC)

1.XXXX XXXX  XXXX is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. Macys is reporting that I have an account with them and I have never had an account with them.
Consumer complaint received 2018-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (CA)

The transaction was done over the phone. 
I had a total of {$3600.00} ( estimated ) and within just hours of 2 deposits my account was hit by this phone number and made an authorized money transfer. My card provider ( XXXX XXXX ) was contacted by me about this and they could only give me a phone number ... XXXX. 
I made an attempt to verify the company name but there was a message telling me that information to this number is not available and will require a court order to access. That right away set me off and I am now very interested in take full control of this person ( s ) accounts and all assets with company and private. 
This has put me at a very inconvenient problems. I have been through this once before and this time I am playing for keeps. 
Any information you can provide as this a Federal crime ( I am a VET ) and I am Federally protected. 
Would request your help in obtaining any information. 
Thank you very much in advance. 

XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On XX/XX/20, I contacted Macy 's about the 4th letter that I received about a denial of my request for a credit limit increase. I spoke with several representatives and was told that I had a fraud alert on my account and I insisted there was no fraud alert. I advised that I had spoken to all of the bureaus and was assured there was no alert. I still wasn't provided the chance to get an increase to the original limit that I had when I opened the account. I spoke to a representative who pretended to call my phone number on file but no call came to the phone and he closed my account. I called back in upon learning that my account was closed and requested that it be reopened but the supervisor that I spoke to told me it couldn't be done due to outside reasons which was what I had been told about the credit increase. I then received an alert from XXXX that my credit file had been accessed and it was Macy 's. All of a sudden they could access my credit file. I feel that I was treated poorly by Macy 's and their customer value is at an all time low.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/XXXX, I paid a clothing manufacturer, XXXX XXXX, via Paypal for goods. When I received the goods they weren't as described and they held my labels/tags I had paid for.. I filed a dispute with Paypal and they denied my case! I have the wrong merchandise plus they fail to ship part of my order. I can't believe Paypal ruled in their favor. I am looking to get back approx {$610.00}
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (PA)

I received a used boat loan for {$110000.00} from US Bank, account number XXXX. I pay twice per month and the loan has provisions that it can be paid off early. My calculations show that I owe {$1000.00} less than what US Bank shows. I have called US Bank on several occasions to get an amortization breakdown, and they refuse to give me anything in writing. One representative even said that they will not give this in writing, and another representative said they will only give it within the first six months of the loan. I have called three times, and all three representatives say they would send, and I have received nothing.
There is an issue here, and no one will give me the calculations.
Consumer complaint received 2018-07-07
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: EQUIFAX, INC. (MS)

Equifax is still reporting " 30 days late '' on my credit report.for the XXXX XXXX   account. XXXX XXXX has notified Equifax that their company should have never reported a 30 days late in XX/XX/2017 on my account. Equifax has also been notified by XXXX XXXX  that a manual update was entered to correct their error.
Consumer complaint received 2018-07-07
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: EQUIFAX, INC. (TX)

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

Id like to dispute a late mortgage payment from XX/XX/2015, a chase card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

On Tuesday, XX/XX/2020 at XXXX CST, I called the Barclays customer service phone number, ( XXXX ) XXXX. I'd noticed that my current APR is 26.99 % and I asked if there was anything they could do to lower the APR, or if they offered any special programs that would help lower the APR. The customer service representative ( I can not recall her name ) told me that they could not lower the APR and did not offer any other services. I asked if there was a supervisor who could help me ; she told me specifically that it wouldn't matter if I spoke to a supervisor, because Barclays would not allow any adjustments to be made to the APR. 

Given my financial situation over the years, I've worked with several credit card companies ( XXXX, XXXX, XXXX XXXX XXXXXXXX, and others ) who not only have been willing to lower my APR, but have taken steps beyond my initial request and offered me additional programs and services that could help me reduce the cost of my payments. 

I find it absurd and, frankly, offensive that Barclays refused to offer any assistance.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank closed 12 of my accounts in one day : 1 ) Paypal credit card 2 ) Paypal Mastercard 3 )  Amazon Credit card 4 ) XXXX credit card 5 ) Chevron major credit card 6 ) Tj Maxx credit card 7 ) Tj Maxx Mastercard 8 ) Sam 's Club credit card 9 ) Sam 's Club Mastercard 10 ) Gap credit card 11 )  American Eagle credit card 12 ) American Eagle credit card I was not given notification prior to their decision to closed 12 accounts. I found out on Tuesday, XX/XX/2020, that my accounts were closed by Synchrony bank on XX/XX/2020. I was trying to make a purchase using my Paypal Mastercard and it was declined. I called Paypal to find out why my order was declined. This is when I found out that ALL my accounts with Synchrony bank were CLOSED. I never had a problem paying my accounts. I have a 100 % payment history with ALL my credit cards. I used less than 10 % of my credit limit. I did not request that any of my accounts be closed. This is very dismissive the way Synchrony treated me as a loyal cardholder. Especially at a time as this. It seems that Synchrony would actually care about their cardholders that paid their bills ON TIME, multiple times a month, EVERY month. I never maxed out ANY of my Synchrony credit cards. Plus, they closed four accounts that had balances. This is completely unacceptable for any bank to do.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

Well Fargo I had 2 checking & a savings account which they placed holds on my account which lead to my account going into the negative and closing them and messing my credit up, I then loss my place I was evicted and getting 2 judgments. I loss everything and Wells Fargo sent me a check for {$150.00} to try and make it better. The upheaval my life that was caused by it, and your suddenly getting a check for {$150.00} with them admitting fault, but when I said I wasn't satisfied with that due to extreme life disruptions, they then admitted NO fault and blamed me. I was put in XX/XX/XXXX due to this also. I just now 4-5 years later got a new checking account. I am just now getting back on my feet but this truly messed my life up. {$150.00} did nothing at all to make this better. 

Wells Fargo case number : XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/2016 we cancelled this credit card with XXXX  XXXX XXXX with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/XXXX?
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I haven't been able to access my credit report in two years now. I called last year ( XXXX ) and was told I would be contacted about the problem. That never happened. 
On XX/XX/XXXX I called Equifax as I was trying to temporarily lift my credit freeze to purchase a car. I had no access to the site and was told to call them. The woman said my account was indeed locked and I needed to fax a copy of my SS card, Drivers license with a cover letter with my name, address, telephone # and reason for sending the documents which I did on XX/XX/XXXX to the number given ( Equifax Dispute Department XXXX fax XXXX XXXX XXXX XXXX GA XXXX ) On XX/XX/XXXX after trying to log in and not being contacted the site said to call them again which I did. I was given a case number XXXX and was told I would be contacted via email shortly. 
As of today my account is still locked and I have received no communication from Equifax in any format. They have been given my address, phone # and email multiple times.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party.

Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it.

( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately.

Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim. 

Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party. 

I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

I made a cash advance of {$500.00} on XXXX XXXX'18. After the cash advance, I made a payment of {$500.00} on XXXX XXXX'18 and {$750.00} on XXXX XXXX'18. I was expecting Chase to apply the  additional payments in that month to cash advance as it is the highest APR. 

The customer representative initially kept insisting there was no payment of {$500.00} made in that month. When I asked to be connected to supervisor, the supervisor told me the rules around Cash advance APR could be tricky and Chase charge interest on cash advance until the next statement is generated. During our conversation I am not sure if she hung up or call got disconnected but I never received a call back. 

It is unfair for me as a customer as I made the payment to avoid high interest balance but Chase has different ways around that rule. 

The rule says that any additional payments should be applied towards high interest balance. When I made more than minimum payment Chase should have applied those to Cash advance as it started charging interest on the Cash advance at the time of payment. 

A few other discrepancies I observed in my statements : 1 ) When I refer to statement generated in XXXX'18, the amount subject to cash advance amount is {$370.00}. As per the supervisor, if Chase doesn't apply additional payments towards cash advance until statement is generated, then how did balance subject to Cash advance went down from {$500.00} to {$370.00}? 

2 ) Then in XXXX'18 statement why did balance subject to cash advance jumped to {$530.00} when there were no Cash advances in that month?
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MD)

Harassment, including multiple calls daily and evenings for months by this predatory collection agency ( note : I have no debt whatever as confirmed by my credit monitoring agency ) seeking to acquire personal information. Company is XXXX XXXXXXXXTransworld Systems Collection Agency at XXXX. They violate no call list instructions and are widely known to be fraudulent and abusive. I am not interested in your sending them comments or notifying them of anything. They are aware of their illegal activities and do not care. Action needs to be taken to investigate their illicit actions and close them down.
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (VT)

My mortgage loan was sold by Arc Home to XXXX XXXX effective XX/XX/2021. On that same date, my XX/XX/2021 mortgage payment was cashed by Arc Home, as evidenced by the deposit stamp on the back of my check and the funds being drawn from my XXXX XXXX  account on XX/XX/2021. This deposit stamp is the same stamp that is reflected on all my previous months ' payment checks to Arc Home. I have scanned images of months of deposited checks into this same Arc Home account, which I have provided to both servicers. I will attach several months ' of examples, including the " missing payment ''. 

I have made repeated attempts to resolve this matter with Arc Home and XXXX XXXX. XXXX XXXX 's research department responded with a letter that instructed me to contact my own bank since neither mortgage company can locate my payment. Arc Home has never responded other than auto-replies, despite having taken the funds from my bank account and not credited it to the mortgage balance that was transferred on the same date to XXXX XXXX. I have thoroughly reviewed XXXX XXXX 's records and can confirm that the transferred loan balance does not account for the payment received by Arc Home on XX/XX/2021. 

I was required by XXXX XXXX to repay the XX/XX/2021 mortgage payment of {$1100.00} in order to stay in good standing. Having had to pay a second payment was an extreme strain on my family and our finances, as I had just returned to the XXXX XXXX XXXX as a XXXX, and we are facing the new cost of my son attending his first year of college. I simply want these institutions to find my funds and apply them to my loan. 

I greatly appreciate any assistance as both servicers have refused to acknowledge my claim.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC. (CA)

FACTS : XX/XX/XXXX received 3 letters for Summit Funding The Home Loan Experts Each of the three letters were dated XX/XX/XXXX and stated my Loan had be transferred effective XX/XX/XXXX and my auto pay would no longer work. 
Each of three letters had the wrong address. 
My previous lender was Summit Funding Inc. and my new Lender is Summit Funding Inc. 

They cancelled my auto pay on the effective date of the transfer which was 15 days prior to letter dated on XX/XX/XXXX and 30 days before I received the letter in my hands. 

I called the numbers on the letter and I was transferred to collections [ I about died ], and they told me they have been calling me and sending me letters about my delinquency. I was absolutely floored. So I looked at their letters they sent in their new online portal and they were sending letter to an address I had prior to the address on the mortgage [ and address I had not lived at for over 6 years, and a different address from the letters received on XX/XX/XXXX ]. I asked when they called me and when they left a voicemail and customer service at Summit Lending said no one left me a voicemail. 

So I registered on their new online portal, and there is absolutely NO other information in there except a new loan number, and a balance due. No history of what happened with my loan being transferred, No payment history. Nothing. I honestly thought it was a fraud. Looking on that new portal I discovered the other Communication that was sent and it was all sent to the wrong addresses, 2 different sets of wrong addresses.

Customer care at Summit was great, however I have a total issue with the communication being delivered. I didn't receive anything from Summit Funding [ my original lender ] nor on their website that alerted me to a change in my mortgage, nothing ported me over and said on XX/XX/XXXX set up new payment on this site. Everything about this operation made me feel like they do not have their XXXX together. Most major companies port you over to the website to log in. 

My other complaint is, to the laymen, selling your loan from Summit Funding to Summit  Funding is highly confusing. Again it feels like you are being shistered.