davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, Citi bank notified me that my account had been flagged for suspicious activity. After several attempts to contact them I got a very rude representative. She stated that I fraudulently deposited a check accusing me of doing so then hung up on me. I called back the next day and spoke to another representative who stated their system flagged the check and it would be sent back to the institution it was sent from however my account would be closed and a check for my funds would be sent to me. It has been already 30 days and I have submitted complaint to XXXX  with no resolve. This company had put me in so much financial hardship this last month because they made no effort at all to distribute my funds or even call me back as I requested. This is unethical and I know people have dealt with this before. All I want is my money from my account I desperately need it to pay bills with inflation as it is I am sure anyone would be upset about this. If I could please get assistance to getting my funds sent to me I would be greatly appreciated.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ONEMAIN FINANCE CORPORATION (AL)

My XXXX year old mother ( I am her daughter with a durable power of attorney that covers heal and finances ) took out a vehicle loan with One Main Financial last XXXX ( 2019 ) for {$4500.00}. She is now in poor health and can no longer drive. 
I am trying to sell the vehicle for her but the office of One Main Financial will not 1 ) give me a payoff amount, 2 ) release the title. 
The situation is that my mother already had a signature loan with this company at the time she borrowed the {$4500.00} for the car so the finance company just added the two loans together. I was in the office when my mother signed the paperwork on this loan and I DID ask more than once if the title would be released when {$4500.00} was paid and the loan officer, XXXX, said yes. 
So now I have been trying for a few weeks to get a payoff amt. Finally last week I was given a figure of {$3000.00}. 
I took a cashier 's check for {$3000.00} up to their office today but was told that the title had to be " sent for from the main HQ. '' By snail mail. And they would not give me ANYTHING in writing showing that the title would, in fact, be released. I withdrew the cashier 's check at this point because I do not trust that the title will be released. 
Please advise as to how I can find out : Current vehicle payoff amount and how to be assured that the vehicle title will be released when this amount is paid. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Usaa not willing to work with me regarding my auto. Was already behind on payment then out of work due to catching covid 19. Filed complaint here and spoke to usaa who started they will only work with individuals who are up to date on payments. This is very similar to usaa taking stimulus payments of their customers. Usaa is not friendly to this whom they service and need to be investigated.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # 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
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

opened an account on XXXX XXXX with XXXX XXXX the clothing store and made a purchase. I bought two items and the total amount was {$55.00}. 
I bank online and I made sure the payment was delivered on time and for the right amount. The records on my bank confirmed that the payment was delivered on time and for the full amount of {$55.00} on XX/XX/XXXX. I paid for what I purchase and I paid it on TIME. 
Later, I received a late payment statement saying that my payment was late. I called XXXX to asked about the mistake and they were not helpful at all. The only suggestion was to pay the late fee and investigate later. I paid the late fee on XX/XX/XXXX. They kept sending late statements. I sent a letter to XXXX with copies of the checks from the bank and I didn't get a response. Also, I sent a letter to XXXX XXXX with copies of the checks too. 
Now, XX/XX/XXXX I received a letter from McCarthy, Burgess & Wolff stating they are attempting to collect {$300.00} McCarthy , Burgess & Wolff called early XXXX and I also explained the above statements, they do not care. They want to collect the money. 
The worst part is that my credit score is going to come down and I paid my bills on time, I paid what I owe. I am responsible, honest and dependable person. 
And this infuriating, fraudulent business. 
Thank you.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

n accordance with fair credit reporting act XXXX Account # XXXX has violated my rights.15 u.s.c. 1681 section 602 A states i have right to privacy.15u.s.c 1681section 602A it also states a cosumer reporting agency can not furnish account without my written instructions. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-06-03
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. (NC)

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-05-18
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: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2020 t RECEIVED a voicemail from BBVA bank advising me of suspected fraudulent activity on my VISA card. I immediately responded, the same day, and advised the bank I didn't make these two charges. These charges were at " XXXX 's ' XXXX '' {$18.00} and $ XXXX These transactions were " pending '' -- The bank advised me they couldn't reject the charges but I would have to go through the " process ''. 

It's been 88 days and counting and I have not been credited with these amounts. I spoke with " XXXX '' to at XXXX and advised her of the situation. She suggested I call customer service, which I did and was advised the wait time is over 1 hour.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WI)

Purchased a new auto in XX/XX/2020, andcontacted KIA Lease End about early termination while we were purchasing a KIA. 

The dealer that we have an ongoing relationship with, agreed to pay off any early termination costs when purchasing the auto. 

Everything was fine up until XX/XX/2020 when someone from KIA leasing contacted my wife at work about an unpaid balance past due, and was being referred to collections. This is the first we had heard of the issue. We requested a copy of the invoice, they said they would send it and email a copy asap. They have not done either as of today. Again contacted her at work at XXXX Monday XXXX. And again we requested the paper invoice be mailed so we can resolve any issues. But they still threatened to send it to collections. 

We contacted the dealer finance manager about it, and he said they would take care of it, we just needed a invoice to show them. 

Without a valid paper copy, we can only assume this is just another scam of sorts, or other type of poor customer relations.
Consumer complaint received 2020-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Submitted application for annual renewal of Income-Driven Repayment plan, which Navient approved. Navient responded that I will be given my new repayment information on XX/XX/2020. As of XX/XX/2020 I have not yet received my new repayment information for account XXXX.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Was set up on a payment plan where they pulled a monthly payment every month. After almost a year of being on the plan and never missing a payment they decided to send my account to collections. No warning, no offer to re-evaluate monthly payment. How can a company agree to accept a monthly payment and then a year later decide to send you to collections?
Consumer complaint received 2020-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK (MS)

My name is XXXX XXXX XXXX I have a complaint against First Horizon bank. 
Rout # XXXX Account number XXXX On about XXXX XXXX I over drafted on my account, My account was frozen until I can cover the overdraft. 
I did not have funds immediately, but I had some wrapped coins that I needed to cash out. 
I

set up an appointment to see an accou nt manager to cash out coins. while waiting for the cash, I had a simple conversation with the representative about the new COV19 bank regulations. 
I was asked if I had been exposed to the XXXXXXXX XXXX, and I answered honestly, I said yes. I was hospitalized XXXX weeks earlier and was tested by XXXX XXXX and XXXX XXXX and I was XXXX  for the XXXX. 
Representative then started to say I need to leave now and got up and held the band door open for me to leave, I told her I was XXXX  and I had a hospital not with the XXXX. 
I was always practicing ALL the proper social distancing and wearing a mask. 

I then went home and filed a complaint with the corporate 's office. 
Word was sent to the bank manager, XXXX. XXXX, who then took it upon herself to freeze my account and started closing the account. 

Not just my account but any account that my name was attached to it. 
This caused a major problem, because one account was one that belongs to my brother, who depends on this account to receive his S.S. direct deposit. 

I was able to keep the account open after going above her head to keep that open. 

I made deposits on XXXX XXXX and was told funds will be available on XX/XX/XXXX. 
when I tried to access my account on XX/XX/XXXX, I was told that the checks have not cleared yet. I checked with my friends who had paid me and was told the checks have cleared their banks by XX/XX/XXXX. 

The bank manager was still holding on to my money for no other reason but to be spiteful. 

She then closed my account as of XX/XX/2020. As of Friday XX/XX/XXXX, I still have yet to receive my final check or my bank statement that I was charged {$2.00} for. 

And as of XX/XX/XXXX, I had a balance of {$480.00}. 
her closing my account has caused some of my automatic payment declined. 

I have worked to build up my credit score and she has jeopardized all my hard worked on. 

She was and is a bad person.
Consumer complaint received 2022-07-05
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. (MN)

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, Experian, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX, {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2019-06-22
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. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX,
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # 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
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account # 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.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Unbeknownst to me, Portfolio Recovery Associates , LLC. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that Portfolio Recovery Associates has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX Clerk of Courts website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement Portfolio Recovery Associates posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IL)

To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my daughter for a fictitious .My daughter called a representative at Shellpoint Mortgage Servicing customer service number, on XX/XX/XXXX she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX Mortgage XXXX it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my husband refinanced from XXXX XXXX XXXX of 2019 with no delinquencies prior and neither me or my daughter were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! My daughter and I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my daughter, husband or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Consumer complaint received 2022-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2020-05-18
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. (IL)

For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I have a mortgage with Rocket Mortgage - it is a refi from a year ago. Over the last week I received approximately 10 phone calls and voice mails on a refi with them, even though it has only been a year since my refi. I finally, answer the last call and the sales person asked for 10 mins- I gave it to him. I told him no, clear and plainly. For me, the closing cost weren't worth it. 
5 days later, the loan paperwork can via XXXX. I immediately called them to stop the loan. They sent me to another salesman. He argued with me, got anger because I wouldn't agree to the loan. Statements like " why would I want to save money. '' He was getting more upset. 
Playing anger is a con for older people, so much so, that they will sign to appease the salesperson. I just wanted to make sure the loan process that I didn't signed up for wasn't happening. My question was never answered by him. He hung up on me with a rude tone. I called rocket mortgage back to speak to a supervisor to file a complaint, and to make sure that there was no loan in process. He said the numbers were started and that they would handle it internally. I have my doubts. If I wasn't paying off my mortgage sooner then later, I would refi with a reputable company.