davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

Hello Team, I had purchase XXXX XXXX XXXX model with XXXX XXXX XXXX XXXX of XXXX Massachusetts on XX/XX/XXXX and when I had bought the vehicle I had took loan with Kia motor finance which was endorsed by the dealer. I duly closed the complete loan amount XX/XX/XXXX as I did a auto refinance to another institution, and now the loan amount with Kia motor finance was paid off. 

When I had bought vehicle i had bough couple of packages with XXXX which was again told by my dealer and since I wasn't satisfied with the product I canceled the service a year later, now this product was prorated and there was refund cheque to be issued to me, the dealer never sent cheque to me instead he sent cheque to KIA motor finance which in first place was wrong, moreover KIA motor finance en-cashed the cheque on XX/XX/XXXX for {$1200.00}. I had been following up with them from XX/XX/XXXX to get the money refunded back to me however they are just delaying the procedures, initially it was stated i will get a refund in a week and then when i went back to them on XX/XX/XXXX week they stated it will be sent by XX/XX/XXXX week and now they state it will take 1 more month, they are holding my money without no reason. If a customer doesn't pay money on time banks apply penalties and interest and now since they have en-cashed money which is not belonging to them and they are refusing to send money to me on time what penalties can be implemented on KIA motor finance and also what action can be taken on the dealer who endorses them in first place. I need help. Can someone assist me? 

Thank you, XXXX XXXX
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OH)

Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

my account has been permanently suspended and closed for suspicious activity as I was spending large amounts, more than usual. I received {$3500.00} on XX/XX/XXXX at XXXX a.m. from a company that I work for called XXXX XXXX, I sent {$500.00} at XXXX to my sons PayPal XXXX XX/XX/XXXX and {$1200.00} at XXXX XXXX for a money order for my rent XXXX a.m. and I received {$120.00} from a client named XXXX XXXX XXXX XXXX p.m. And then I accidentally sent her {$120.00} and then she sent it back. I then spent {$540.00} at XXXX on XX/XX/XXXX to XXXX XXXX but it shows it was completed on XX/XX/XXXX my goal is to receive my money sooner or to unsuspend my account as this is a mistake and they asked for my personal information my passwords and everything to my website I gave it, and also if it helps I provide a service not products or items.
Consumer complaint received 2019-08-10
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: JPMORGAN CHASE & CO. (FL)

JP Morgan ( Chase ) conducted 7 unauthorized hard inquiries on my XXXX report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Consumer complaint received 2019-08-10
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. (FL)

XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

i deposited a check from XXXX XXXX for which they helped a tenant and was told that this company could not be verified but yet they still took my {$4200.00} and said they could not verify. Well why cash a check you cant verify. they then told me i had 2 options which was to have a accountant from XXXX XXXX to come to chase or have there bank request the funds back, once i got XXXX XXXX to request the funds Chase shady tail turned around and said no thats not a option anymore your only option is to have a Accountant from that company to come in. How is this legal how can a bank say they cant verify your check but turn around cash your chk????? this has to be illegal. I AM SOMEBODY. Chase has treated me like trash and i will not let up till i get help.
Consumer complaint received 2019-08-10
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: CITIBANK, N.A. (TN)

I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (TN)

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-08-10
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. (PA)

My sister XXXX XXXX applied for the XXXX XXXX XXXX , XXXX timeshare on XX/XX/19. I was only supposed to be added to the deed since she was the owner and not have a hard pull inquiry on my credit report. They put a mortgage loan in my name without my authorization and consent. It was agreed upon to be in XXXX 's name. When I got home the evening of XX/XX/19 I had received an email that stated a new inquiry was added to my Equifax report from XXXX XXXX XXXX. I specifically told them I DO NOT authorize to have my credit pulled because I DID NOT want a hard inquiry. I was told by the sales rep that we were being recorded and that would not happen. My sister XXXX since rescinded the contract and cancelled the timeshare. I called the company and they refused to remove the hard inquiry from my credit report. This is fraud and I did not authorize them to check my credit file.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

I have been patiently waiting on their response about the written requests I sent.However, any modes of response or coordination were not taken on their end. They havenotcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowedby law and continued reporting as unverified information which now, given all myattemptsto address it directly with the creditor, as willful negligence and non-compliancewithfederal statutes. Below are the lists of the erroneous accounts reporting on myCreditReport : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION (PA)

I was 100 % misled during the application phase of my two student loans with Sallie Mae. All of my other student loans are Federal and none are Private. They misled me to believing that I was applying for a Federal loan and servicing through Sallie Mae. I do not qualify for any of the programs offered by the Federal Government due to their misrepresentation of the application process and advertising.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (GA)

I sent a letter to XXXX XXXX  and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NJ)

Paid off my loan with Sterling National Bank in XX/XX/XXXX Loan # XXXX XX/XX/XXXX I received a letter requesting proof of Successor in Interest for my deceased husband Responded to this letter on XX/XX/XXXX providing all documentation requested and asked for timeframe for receipt of discharge of mortgage Received a letter XX/XX/XXXX requesting additional documentation surrounding my husbands death Responded to letter on XX/XX/XXXX attaching all documentation AGAIN Called County today and confirmed there is still not release of the mortgage I need this release. Payoff occurred XX/XX/XXXX it is now 6 months later and still no release.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, I notice my Chase XXXX Visa prepaid debt card was removed from my Chase bank account. So I made the call to speak the agent. I was told the account got closed at end of XXXX since Chase is no longer provide the product and the card has no activities in past 60 days. I applied this prepaid card in late XXXX and transferred the money from Chase checking account to this prepaid account. I didn't receive any notice about the account closure or related memo an reminder. This card has been linked to my Chase Checking account on line. If I were notified about the reminder, I would transfer the money easily and quickly to prepaid account. Also, I have a Chase Investment account linked together which has no activities for more than year. That account is still open without getting close. So it does not make sense the account has no activities in past 60 days and got closed without informing the customer since there is also an active account has no activities in past year but no closed. I had the agent escalated my issue to the different team and my call got hung up after I provided all information. Besides I didn't see any terms of account closure requirement while I open the account.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies Equifax, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my Citi TY Preferred account for inactivity. Under California CIV 1747.85, " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. '' I did not receive any notice.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (MA)

HI EXPERIAN ; XXXX/EQUIFAX ; ****SEE ATTACHMENTS**** I disputed this account here ( XXXX  XXXX  Account # XXXX Charge-off Balance : {$800.00} ), but you continue to report incomplete, inaccurate, misleading and multiple inaccuracies on the way this account is reporting. This account was paid in full months ago, and it was so to be deleted or removed from my credit report, but instead, it continues to report all these errors and it mentioned that it's causing this account to illegally re-aged, causing me stressed and thousands of dollars in the interim. Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law. FCRA 611 ( 15 U.S.C. 1681I )
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, XXXX I opened an account with Coinbase ( Digital Currency Exchange ). I was appoved and was able to do online transactions with Coinbase website. I was able to buy 2 Bitcoins, 4 Etherium, and 1 Litecoin. 

On XXXX XXXX, XXXX, Coinbase website started asking for indentity verification when I tried to buy and sell my digital currency holdings. But everytime I verify my identity, the website gives me error. My identity is not verified according to the website. I have answered all the questions correctly and have inputted all the correct information but Coinbase keeps giving me error. Because the website could not verify my identity, I could not make any online transcation anymore. I could not buy or sell online. My account is basically frozen. 

I contacted their customer support several times through emails and followed them up by phonecalls. Coinbase customer support is not very consumer friendly. They would not not help me or get me to the right people. After talking to several customer support personnel, one Coinbase employee finally said that my case has been elevated to the higher up and that someone will contact me. This was in XXXX XXXX. No one contacted me eversince. 

It is now XXXX XXXX, XXXX and Coinbase still could not verify my identity. I have tried and tried and I have submitted all the required documents and information but still my online transaction capability is frozen. Since XXXX, the value of my investment has went up from {$9000.00} to {$42000.00}. But I could not liquidate my account because my online transaction capability is frozen. I have already missed so much opportunity and would have made over {$30000.00} already if my online transaction is not frozen. Please help me! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-05
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NY)

I do not agree with the company furnishing negative information to XXXX. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. XXXX nor any other consumer reporting agency has my written permission to furnish any information without my written permission.
Consumer complaint received 2023-03-04
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.
Consumer complaint received 2022-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MS)

This is a continuous problem with U. S. Bank. XXXX XXXX XXXX  handled all of our C D ' and upon maturity, a check was always forwarded to us right away. Since U.S. Bank bought out XXXX XXXX XXXX, we have had nothing but trouble in getting our matured C D money. 

On XX/XX/2022, one of our C D 's matured and I called U.S. Bank and talked to XXXX, alias XXXX, to have our money mailed to us. XXXX said it would be 10 days before we would receive it, but as of today XX/XX/XXXX, we still have not received our money. I called on the XXXX of XXXX and spoke with XXXX XXXX to check on our funds and she said the bank had made a mistake, but she said we should receive the funds soon. I called XXXX and XXXX in personnel for them to check on our proceeds and nothing has been received. Communicated to the bank on their email to no avail in receiving our money. This is a float on our money and these mistakes by the bank should be punishable, please accept this as a Formal Complaint.