davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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. (AZ)

I attempted to ask XXXX and Equifax to remove fraudulent credit inquiries after an agency illegally ran my credit WITHOUT my approval. I was told I had to give my social security number over the phone so they could verify me before they could answer any questions about my inquiry when I was only CONSIDERING refinancing my home of 35 years. I told the phone agent that I would comply since that was their business policy, but I was NOT giving permission to run it. 

The agent lied to me, ran it anyway and later called me and said he had come up with a great package for me! I was surprised and disturbed, but he sad he hadn't understood me ( he said I must give him my social security number to verify me over the phone, I did not give him permission to use it ), but not to worry it was only him pulling it and the deal was great! I was even going to get money back! He told me he would email the loan package and I should sign, but not tell anyone what a great deal I got. 

Later on, after I showed the package to my daughter, she told me to not sign it because the phone agent offered me excessive, XXXX rates of nearly 30 % interest! A while later when she looked at my credit, my score had dropped severely. She explained it was due to all of the hard inquiries. After that, it became a consistent problem - credit card agencies, auto dealers, etc. Sometimes, multiple times a month my XXXX XXXX showed hard pulls that I never contacted or gave permission to. My score was in ribbons! I tried to get them off but was overwhelmed and confused. I was told to call each company, which I did. Many are still on there. They told me even if they did not have permission from me that it was a common practice and they would drop off after two years. That is unfair to me. Here is the list from XXXX. I never gave these companies permission to check my credit and feel my information was passed around without my knowledge or consent. Equifax 's is in the next box due to space : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MN)

I purchased my XXXX XXXX XXXX on XX/XX/XXXX. I used funds I received from my local lender to pay this off. XXXX said they sent me my title on XX/XX/XXXX however they did not. I have since then been attempting to get my title for my current lien holder however XXXX has been uncooperative. They instead of providing me the title signed over, they sent a letter of no interest and a bill of sale which is not acceptable by Minnesota DMV standards. We ordered a duplicate title in XX/XX/XXXX and it has now been returned to Hyundai Motor Finance since XX/XX/XXXX. They have acknowledge they have the duplicate but have not released it. I've called multiple times, and requested I writing for them to release this by sending it to me using my own XXXX account for tracking purposes. Each time I call, they do not provide me with any updates other than it could take 7-10 business days for a reply. Its now been over 5 weeks and still no response. When I try to escalate this to a XXXX they say all they can do is send an internal email as well. I even had one gal set the phone down and ignore me when I asked to speak her XXXX. I need help getting them to respond. I'm paying {$250.00} a month, and I can't sell my car without this.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (AL)

This has been ongoing since XXXX of this year ( XXXX ) Karma Guarantee program states that if you are denied a credit card from one of thier affiliates, in which I was denied after applying even though it stated I had " Outstanding Approval Odds '' Credit Karma will pay me {$50.00}. After Credit Karma verified on XX/XX/XXXX that I was in fact denied and was eligibe for the {$50.00} I had a choice of how I would receive the payment and I opted to receive a Visa reward card. so I received an email XX/XX/XXXX that my payment was enclosed ( I have all the emails ) and to click on the " View Your Order '' and when I clicked on it, it asked for the card information ( 16 digit card number etc... ) that I did not have enclosed in the email and never received. I couldn't activate a visa gift card with no information to enter. 

When I called the Reward Card XXXX number they informed me to call Credit Karma because they couldn't help me and didn't ask me for the order number that was on Credit Karma 's email which was very suspect. Credit Karma then replied to me with the following information : Hi XXXX, Thank you for contacting Credit Karma Member Support. 
The team looked into your Karma Guarantee {$10.00} payment and it was confirmed to be sent to XXXX on XXXX. 

Please don't hesitate to contact us back if you need further assistance. 

Regards, Credit Karma Member Support They changed it from {$50.00} to {$10.00} and when I replied back that it was for {$50.00} I haven't heard from them since. This is the original eligibilty email sent to me on XX/XX/XXXX Hi XXXX, Thanks for contacting Credit Karma Member Support. I'd be happy to look into this for you. 

Weve confirmed with the banking partner XXXX XXXX that your application for the XXXX XXXX XXXX XXXX  XXXX Credit Card submitted on XXXX from this account on Credit Karma was declined and you are eligible for the Karma Guarantee {$50.00} payment. 

We'll be attentive to your response to continue assisting you remember that We offeXXXX 24/7 support. 

Regards, Credit Karma Member Support I was already included in the class action suit with Credit Karma back in XXXX for deceptive practices but apparently they haven't learned their lesson. I am really considering obtaining an attorney. Thank you in advance for any help.
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

In XX/XX/XXXX, Navient settled with canceling and giving restitution on federal and private loans. In XXXX, borrowers received a postcard stating this information all the way up to XXXX of XXXX. Unfortunately I wasn't notified when I clear all the qualifications stated on the www.navientagsettlement.com. 

I took out loans with XXXX XXXX before Navient took over between XXXX and XXXX, was delinquent or on a forbearance at least 8 of the 7 months required before XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX ), went to the XXXX XXXX XXXX XXXX, part of the XXXX. I've contacted my XXXX but was told to contact someone else about it. 

Now, Navient is contacting me asking me to settle 70 % of my loans.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent out a certified letter with a return receipt to Experian and XXXX XXXX XXXX XXXX cause it came to my attention that they have been inaccurately reporting 2 accounts on my consumer report. 

Experian XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics. 


These negative accounts have been placed as a Collection/Charge-Off status WITHOUT mailing me a copy of IRS 1099-C Cancelation of Debt. Experian and XXXX XXXX XXXX XXXX XXXX are reporting Collection/Charge-Offs, Late payments, and other derogatory information on my consumer report are in clear violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities. If these derogatory accounts are not deleted within 10 days, I will be forced to officially file IRS form XXXX : Information Referral and IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I sent my second letter to XXXX, Equifax, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.
Consumer complaint received 2022-09-12
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: WELLS FARGO & COMPANY (OK)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (WA)

I have been an account holder of a XXXX/Citibank Visa for nearly 9 years. My credit limit has always been a steady XXXX - my account is current and presently has a XXXX balance. I have never received an account review, an increase ( or decrease ) in my steady limit. One week after I lodged a complaint against XXXX  due to inaccurate information on my report, and a consistently low and dragging score ( 60-70 points under all other major scores ), I received an email from Citibank notifying me that my credit limit has now been reduced from XXXX to XXXX. I called to lodge a complaint and was unable to remedy the situation. I have no idea why this action was taken as my credit scores previously were much lower than my current score, and no action was ever taken to decrease my credit limit. This impacts my available credit and potentially lowers all scores at all agencies.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica (TX)

Bank closed my account in 2020 and continually sends emails saying " Your Comerica Web Banking account for User ID XXXX has been disabled. Please visit https : //www.comerica.comXXXX to reactivate your account or contact us at XXXX for assistance. '' I have called multiple times asking them to fix this IT bug and nobody has fixed it. The company is harrassing me and I do not even have an account with them for 2 years.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo received a written request to close and wire transfer all the money that was is in a XXXX account. Ive called their Exception Payments Account Closures Department several times and always on hold from 2 hours 30 minutes to 7 hours on hold and can never get a person on the line. Once XXXX XXXX  pst came all the lines are disconnected so I filled a complaint with their business executive officer on XX/XX/XXXX but no one can ever give me a direct answer to when those funds will be transferred. 
After numerous calls and being misdirected I was finally got an email from XXXX XXXX whos title is Executive Office Case Specialist and was given a case number # XXXX and was told that they would investigate the delay. After a few days I was told that the Exception Payments Account Closures Department was running 60 days behind schedule. This is outrageous and unacceptable, but it wasnt till XX/XX/XXXX that I received a call from Wells Fargo Exception Payments Account Closures Department and reconfirmed all that necessary information to have the wire transfer done that day and was given a confirmation number with a date of expectation of money being deposited on XX/XX/XXXX. 
On XX/XX/XXXX I again called Wells Fargo and was given the run around with no straight answers of where this money was or if there were any problems. The only thing I was offered was wait till without looking into this problem was that it takes 10 business day which would be XX/XX/XXXX. Being rushed off the phone I felt there was nothing else I could do. 
Today XX/XX/XXXX Money still hasnt been deposited and just to make sure We called the receiving bank to make sure there was no problems on our end. I contacted XXXX XXXX from Wells Fargo again and was directed to the wire transfer department. I called that department but was told that they couldnt help me because my account was closed and I would have to speak with Exception Payments Account Closures Department and I asked to speak with a manager and was blindly transferred to Line of Business Executive office I Talked to other agent there and was told that XXXX XXXX would be calling me back within the hour because she was in a meeting. I need to know where this money is at and when will I be receiving it. I had open escrow on a property and was suppose to close this deal on XX/XX/XXXX, one day after the original day and since I was not able to close the deal Im out {$5000.00} already.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (AR)

Just less than a month ago, Experian received correspondence on my behalf in regards to several accounts on my credit file due to identity theft. The account XXXX XXXX # XXXX was recently removed or deleted from my Experian credit report due to the account being blocked. As of XX/XX/2020 The same account ( XXXX  XXXX # XXXX is appearing on my Experian Credit file. This action goes against the Fair Credit Reporting Act in regards to section 605b and is a clear violation of my consumer rights. I find this totally unacceptable and Experian should be held accountable for the violating actions.
Consumer complaint received 2020-02-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

I need help with a loan modification. I can not get any information on how to proceed. Senior leadership has been involved but has done nothing to assist in the process. When I call customer service I am given different information each time I call. The process has been extremely frustrating. Please help!
Consumer complaint received 2024-11-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MN)

I am reaching out to seek urgent assistance regarding what I feel is an unfair and financially devastating situation involving Synchrony Bank. This matter, if not addressed, will have a serious impact on my familys financial well-being. 

In XXXX, I had a balance of {$7700.00} left for a XXXX XXXX purchase of appliances from XXXX XXXX {$14000.00}, and I continued making my monthly payments as scheduled. I planned to pay off the total balance, expecting it would now be around {$6000.00}. To my shock, when I went to pay it off, my balance had more than doubled to {$13000.00}. Unbeknownst to me, three different interest-free promotions on the purchases had expired, adding {$7400.00} in interest to my balance. 

Back in XX/XX/XXXX, when setting up my auto-payments, I spoke to a Synchrony representative to clarify the promotion terms, as my three appliance purchases were delivered at different times. I was under the impression that they understood my goal was to pay off the purchases in full by the end of the promotional period. I trusted that the auto-payments were set up accordingly. 

Despite my efforts to explain this honest misunderstanding, Synchrony has refused to provide any assistance, saying that the information was in the statements. While I admit I missed those notifications amidst a flood of emails from Synchrony 6-8 a month, I have always maintained my accounts with Synchrony, dating back to XXXX, and have never had a late payment, ever. 

Given my perfect history with Synchrony, I believe the added {$7400.00} interest fee is an excessive penalty for a minor oversight of missing the promotional deadlines by just three months. I am prepared to pay the balance in full immediately and am simply requesting the removal of the added interest, as this fee is exorbitant and could significantly harm my familys finances.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MN)

I made a special payment of more than {$7000.00} to free up enough credit on my card to make a furniture purchase of approximately {$7000.00}. The payment was an authorized debit directly from my checking account. When I called Synchrony bank, I was told that the payment had cleared my bank, but their computer had put a hold on the available balance for nine days. As a result, I only have {$300.00} of available balance and any of the automated payments I have scheduled for this card that come and exceed the available balance will be rejected. Additionally, Synchrony bank was unwilling to increase my credit limit. Why is Synchrony bank allowed to make a hold on the payment for nine days when it has already cleared my bank?
Consumer complaint received 2022-12-29
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. (FL)

I have been sending written correspondence to XXXX and EQUIFAX since XXXX of this year regarding this closed account, XXXX The company is showing 1 late payment. 

I contacted the company in XXXX and they were courteous, but unable to assist. I believe it something to do with the company 's name changing or not being able to access my records. 

I asked that XXXX and EQUIFAX look into it and provide the documents to support the late payment being reported on my credit report. To date, I have not received the documents or official results of what actions XXXX and EQUIFAX took to ensure the accuracy and completeness of the data that is being reported.
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo used the Principal 's SSN illegally and created accounts without giving valuable consideration. They've failed to do their fiduciary duties. I sent a POA to the CFO in XXXX XXXX and an instruction letter on behalf of the Principal ( XXXX XXXX ) and no reply was received. I have revoked any POA that may have been given Wells Fargo, please see attached IRS form XXXX. I was ignored, treated like a minor even after I assured Wells Fargo that the Principal was not a minor and that I have the capacity to contract for the Principal ( XXXX XXXX ) I informed Wells Fargo that I was claiming all rights, interest and equity to the securities that were created using the Principal 's Social Security Number. I am willing to give Wells Fargo 20 % interest. I am only asking that Wells Fargo extend the Principal 's own credit. The bank 's fiduciary duty is to borrow and to pay interest. The IRS, SEC, CFPB are all available to those seeking remedy from banks.
Consumer complaint received 2024-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I reached out to Wells Fargo in XXXX to ask them why I had been denied extension of my own credit on ( at the time ) 5 applications. I explained that I had the capacity to contract and did not understand why I had not been given valuable consideration for the applications ( securities ) I'd created. XXXX, at the executive office spoke to me twice and then sent an email stating the case had been closed. I then sent a Power of Attorney and adverse action letter to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I explained that, according the EQUAL CREDIT OPPORTUNITY ACT, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15USC 1692k, that Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I made an application in good faith but credit was not issued. I informed him that if Wells Fargo fails to make any reasonable offer to resolve this matter and compensate me for the use of my SSN and the resulting creation of security collateral, I will make Wells Fargo criminally and civilly liable for all actual damages. I gave Wells Fargo XXXX XXXX XXXX XXXX business days to respond and that certified mail was received by Wells Fargo on XXXX XXXX, XXXX. Wells Fargo has failed to do its fiduciary duties and the IRS is my next step in seeking remedy. I now have at least 6 denials and the associated reference numbers to prove these accounts were created. I can have each of these accounts audited forensically by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX