davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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 HONDA FINANCE CORP (NY)

On XX/XX/XXXX, Honda Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent Honda finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. Honda was also notified via telephone of the events. According to the verified check, Honda did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for Honda was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report 30-59 days late. If the vehicle was paid late that would mean Honda did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXXXXXX XXXX XXXXXXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on XXXX to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

PNC will NOT allow electronic transferring of money. They make it IMPOSSIBLE to remove money from their accounts. They limit the amount to XXXX per day and XXXX per month. They lie saying it is a security risk. It is not. 

I am NOT eligible for grants because PNC will not accept electronic handshakes. See attached image ... this is a grant I qualify for but can not get because of PNC bank 's greed in not allowing online transactions.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I would like help disputing two charges on my Bank of America account. The charges were placed on XX/XX/2019 one for {$4400.00} and the second for {$4400.00} by a company by the name of XXXX XXXX, XXXX aka XXXX. I now realize this was not a legitimate business opportunity and what they sold me was much different then what I have received. They have not provided the services as described. I have paid several companies on other cards and have attempted to obtain refunds to no avail I have been told that I am out of the cancellation period and there are no refunds. How can this be? These companies have taken advantage of me. They have charged me close to {$30000.00} and I am supposed to accept their policy when they have scammed me? I would like Bank of America to see that these charges are immediately refunded to me, this company has failed to perform.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (AL)

I received an email notification that a my checking account card had been charged two separate transactions by XXXX XXXX on the XX/XX/2020. One transaction came to {$47.00} and the second transaction for {$31.00}. I notified my bank on the same day and subsequently cancelled my checking card and was notified I would be refunded. 

Several days later I was refunded. 

Some weeks later I was written to by my bank and notified the claim had been denied and that the two sums totaling {$79.00} would be charged back to my account which occurred in the first week of XXXX. 

I called my local branch to complain about this and scheduled an appointment to speak with a banking representative in person. The representative told me this transaction was in New York and expressed surprise the claim had been denied and said he would reopen it. 

I have now been notified my claim has been denied for a second time with the following reason cited. " There is proof from the merchant that the transaction was valid ''.
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$300.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2020-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I attempted to log into my Fifth Third Bank online banking application but was unable to stating it didn't recognize my credentials. To troubleshoot I followed the steps using the Forgot Username option and was able to log in after getting a code sent to my phone and using my original password. The steps to login using the temp passcode told me that after logging in I would be able to see my username in the settings. Upon checking the settings the username was one that I have never used and would not use due to its easily identifiable nature. 

I attempted to change it back to my previous username after verifying all my other information was correct but got an error stating the username was already in use. I called their help line and after 45+ mins they told me I would just have to choose a new username even though they verified the username I was trying to change it to was my previous username and was not being used anywhere else in their system. 

During the 45 minute call they stated my username had been changed on XX/XX/XXXX but they could not see by whom. They asked me multiple times if I had changed it and I explained I had not. 

I am unsatisfied because they stated they had cleared out the username so I could use the one I previously used for login but when their steps to change it did not work they basically told me too bad, choose a new one. 

My issue other then not being able to use my previous username that I did not change, is that they clearly have no controls over managing security information for clients. They were not able to identify whom made changes, why their steps to correct were not working even though the help line says they could confirm no one was using my username other then me previously, they could follow the steps I as doing in real time following their prescribed process to correct the username.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020. I had an unauthorized transaction with Paypal. I disputed the amount, but Paypal came back saying it was legit. This transaction was not legit. I then appealed the case with Paypal. I was not able to contact Paypal by phone due to the covid 19 pandemic. During the appeal process, I was told by a chat representative my police report was used for the appeal. A couple of days after, another chat representative stated the police report was not used. I mailed out a dispute letter along with my police report for identity theft on XX/XX/2020. Since then, I have not heard anything from Paypal regarding the case. The transaction was not authorized by me, although Paypal continues to ignore my requests. I have attached the transaction, dispute letter which I never got a reply to, and my police report regarding the fraud transaction.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC Violations XXXX XXXX {$1300.00} XXXX-XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries -  XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Violations XXXXXXXX XXXX  {$1300.00} XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (CA)

My most recent call to Personify Financial was, Monday, XX/XX/2020 @ XXXX XXXX. PST. I asked the representative, why after paying {$3300.00} in current payments, why was there no payments applied to the principle amount of the loan? The representative, stated that although, my original loan amount was only {$2600.00}, it showed that my total payments of {$3300.00}, went toward only the interest of the loan and as of Monday, XX/XX/2020, I balance is {$2700.00} at an interest rate of 154.81 % and no payments applied to the principle amount of the loan. 
I asked, if, they could work with me to lower the interest rate, on Monday, XX/XX/2020. 
and in XX/XX/2020 at XXXX XXXX  and at both times, I was refused and declined any other assistants on my loan. If, I pay this loan off as it stays, I would have paid a total of {$3300.00} + {$2700.00} = Total of {$6000.00}
Consumer complaint received 2020-07-03
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. (CA)

In XXXX, XXXX I submitted a complaint to Equifax stating that they have an incorrect SSN for me in their file and sent them all supporting documents. They sent me a letter on XX/XX/XXXX stating there was nothing wrong and the SSN reflects correctly on my file. On XX/XX/XXXX I tried applying for credit with XXXX and it again reported that the system could not validate my SSN  with Equifax. When I called them on XX/XX/XXXX their customer service representative told me that they had an incorrect SSN on the file and their last letter informing me that there was nothing wrong was incorrect and they could not tell me the reason why the record was not corrected when I initially complained to them. This repeated failures on the part of Equifax to correct my records in their system has led to my credit applications being declined from multiple financial entities and have led to a situation where I have to be dependent on my parents for credit. The other 2 credit reporting agencies reports all data correctly. In spite of contacting Equifax several times last XXXX and in XXXX they failed to fix the issue and has caused great financial harm to me and I have not been able to build my own credit history. I request a thorough investigation of their internal processes, identify the cause of repeated failure to address my concerns and compensate me for causing irreparable harm to my financial profile and credit worthiness. In my call with them on XX/XX/XXXX they indicated the issue would be fixed in 48 hours but I do not trust them anymore and request investigation of their failures.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am completely dissatisfied with these companies called XXXX XXXX XXXX XXXX and Experian. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but Experian and XXXX refuse to correct the issue. Experian keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but Experian kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

On XXXX, XXXX, XXXX, I received a notice from Midland, claiming they were considering a lawsuit against me, in regard to an alleged account with " XXXX XXXX/XXXX ''. I contacted Midland, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from Midland, dated XX/XX/XXXX, during that 30 day period. I contacted Midland again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I applied for XXXX request for mortgage assistance since XX/XX/XXXX. Ive call weekly asking for updates documents stating The Underwriters requesting this. I send the documents. XXXX submitted XX/XX/XXXX XX/XX/XXXX and current XX/XX/XXXX. 

The current XXXX XX/XX/XXXX. 

SPS asked me to submit a new application in XXXX because it was cut off. I am not sure how the application is not legible when it is uploaded in their secure system to submit documents. As I continued to submit document during the XXXX the have been moving ahead with a FORECLOSURE SALE. Dual tracking violation!! I did not feel comfortable submitting a new application as this would start a new day on the application. So I keep my application from XX/XX/XXXX. SPS hires attorney XXXX NC sent inspectors to my home for violations, hired a realtor XX/XX/XXXX took pictures of my property, and valuation reports. Yet they assured me the XXXX loan modification was being processed while they have been XXXX. DUAL TRACKING VIOLATION. 

On XX/XX/XXXX, Attorney FC Foreclosure fee {$400.00} was added to my detail summary and a Forbearance was approve XX/XX/XXXX and a FORECLOSE sale date. I am confused .I have asked repeated questions that have been purposely unanswered. XX/XX/XXXX I received a FORECLOSURE SALE date. 

An SPS Consumer Affairs Representative XXXX called approx. XXXX XXXX, Wednesday, XX/XX/XXXX, and tried to coerce me to remove my Mortgage Loan Modification application, aka XXXX. XXXX stated that I needed to cancel my modification application for the forbearance to be active. She then stated I could choose a forbearance. The only thing she would require is for me to cancel my modification application dated XX/XX/XXXX. During the conversation XXXX acted like she did not know anything about the FORECLOSURE. This is a Dual tracking law violation! XXXX WANTED ME TO REMOVE THE MODIFICATION? 

I am documenting the companies behavior as this may help other consumers prevent fraudulent foreclosures during XXXX application. 

My spouse did not respond. After filing the proper paperwork to protect my home SPS has listed my home on XXXX and XXXX websites. I am requesting this information to be removed immediately. 

AS AN ESSENTIAL XXXX WORKER DURING COVID 19 THIS IS UNFAIR TO HARASS A CONSUMER AND NOT PROVIDE CLEAR PROPER COMMUNICATION.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (CA)

Hello Guys. I'm glad I was able to find you. Experian, XXXX, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I have a COSTCO CITI Visa which can be deactivated if my COSTCO account is closed or not renewed. XX/XX/XXXX was my annual renewal and I had this set up to be done automatically using the CITI Visa. For whatever reason it was no automatically renewed as previously set up and the account closed on XX/XX/XXXX. I immediately contacted CITI morning of XX/XX/XXXX and was told I needed to reestablish my membership first to reactivate my card. I did this immediately, called CITI back provided updated info and was told it would be reviewed. Almost three weeks later, and after several follow up calls, I was told that my account would in fact not be reactivated an the almost {$700.00} in rewards I have earned year to date would be revoked. I asked and pleaded as I was relying on this earned money for a family project to please help me if anything at least apply the rewards to my current balance to help me pay the card off since it would not be reactivated. I was again told nothing could be done. I earned this money through purchased throughout XXXX. In addition the rewards I earned separately through COSTCO were applied to my account.if CITI Visa was interested in helping something could be done. Essentially they stole reward points I earned for purchased I made and paid. PLEASE HELP!