davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (CA)

In 2016, my son went to XXXX XXXX XXXX in XXXX, CA and was given a vehicle loan. On XX/XX/XXXX, there were papers to lien my payroll checks for a loan with Lobel Financial. 

I have never applied with my son to buy a vehicle. My credit has never been good enough to sign a loan with anyone. I currently have a 28 % interest loan due to my credit score. 

The used auto company used my information to provide a loan for my sons vehicle fraudulently. 

Throughout this loan and during collection proceedings I was never notified in any way. The documents have an address in XXXX, CA and I lived in XXXX, CA for over 10 years. My drivers license has been attached.
Consumer complaint received 2019-08-01
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. (NC)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. 

XXXX, XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I HAVE ALREADY SUBMITTED A COMPLAINT # XXXX BUT DECIDED TO CALL CITIBANK AGAIN TODAY AND TRY TO RESOLVE THE MATTER. AS I STATED BEFORE THEY SENT ME A PROMOTION ( SEE ATTACHMENT ). I SUBMITTED MY DEPOSIT ( SEE ATTACHMENT ) AND WAS TOLD BY XXXX XXXX ( BRANCH MANAGER ) I WOULD RECEIVE XXXX POINTS SOON AFTER THE REQUIRED 60 DAYS WAS UP. AFTER 60 DAYS I CONTACTED HIM AGAIN AND HE SAID HE WOULD LOOK INTO IT AND THAT I SHOULD RECEIVE THE POINTS SOON. WELL THIS SCENARIO REPEATED IT SELF FOR SIX MONTHS. WHEN I CALLED XXXX ( BUSINESS CHECKING NUMBER ) THEY SAID I HAD TO GO THROUGH MY BRANCH FOR THE PROMOTION AND THE BRANCH SAID I HAD TO GO THROUGH THEM. ALL THE WHILE I WAS ASSURED THAT I WOULD BE GETTING THE POINTS ANY DAY. TODAY I TALKED TO XXXX? ( VERY RUDE ) TEAM # XXXX. SHE FIRST SAID I WOULDN '' T RECEIVE THE POINTS BECAUSE THEY TOOK OUT {$15.00} EVERY MONTH IN MAINTENANCE FEES. I HAD TO POINT OUT TO HER THAT ON THE PROMOTION IT SAID THERE WOULD NO FEES!!!! SHE THEN CHANGED HER TATICS AND SAID I DIDN'T QUALIFY BECAUSE ONLY {$200.00} OF MY {$5000.00} CHECK WAS AVAILABLE TO BE WITHDRAWN WHE I FIRST SUBMITTED IT. I HAVE LEFT {$5000.00} IN THIS ACCOUNT FOR THE LAST 6 MONTHS AND WAS NEVER TOLD ANYTHING EXCEPT YOU WILL BE GETTING YOUR POINTS SOON!!! I AM GOING TO CLOSE MY ACCOUNT BUT FEEL LIKE I HAVE BEEN RIPPED OFF AND LIED TO!!!!
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (UT)

They continue to freeze items as fraud then texting me at XXXX XXXX to confirm its mine, which i'm obviously asleep and not responding during their time frame. I thought under the TCF you can't contact consumers at XXXX XXXX  in the morning. They've also frozen wires and stated they've tried to contact me, which they didn't in any form. So as retaliation the next freeze resulted in the XXXX XXXX text message.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : PUBLIC FILINGS XXXX RECORDER OF DEEDS {$3800.00} not mine
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have been a USAA member since XX/XX/XXXX. I have a checking account with them and I had an issue last week that I would like to share with you. 

My mother made a cashout ( funds transfer ) from her side gig account ( XXXX  ) to her USAA account to help me pay a couple of bills that were due last week. Once she received the funds, she wrote me a check in the amount of {$20.00}, which it was deposited and funds were immediately available since the other account ( my mother 's ) had the funds available to be cleared. Date of the event XX/XX/XXXX of this year. 

On XX/XX/XXXX, they charged me {$25.00} due to NSF. Which I questioned on XX/XX/XXXX, and they insisted the other account ( my mother 's ) had no funds to clear that check. They alleged they pay all the debit charges before proceeding to clear checks. They insist the account had no funds, but I suspect they were doing something else. Sometimes the account shows a different balance in the app, other time it shows another balance, which brings confusion. 

I disputed the charge and only {$5.00} were refunded as a courtesy. I am no liable of USAA 's mistakes and the way they manage or post debits and credits is highly questionable. 

While I was charged {$25.00} for NSF my mom 's account was charged {$29.00}. We can not trust on a bank whose financial practices are questionable.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$1600.00} not mine
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I discovered my XXXX XXXX on Transunion dropped from XXXX to XXXX. I attempted to access Transunion but could not view my account. ( Please see attached snapshots ). I contacted Transunion and was advised that I could not view my report because 'they were merging a 'new ' credit file. As of today I still can not access my credit report on Transunion. Here is the letter I sent Transunion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address a critical issue concerning my TransUnion credit report. On XX/XX/XXXX, I discovered that my XXXX XXXX dropped drastically from XXXX to XXXX. When I attempted to access my credit file through TransUnion to investigate this matter, I was blocked. Upon contacting your representatives, I was informed that TransUnion is in the process of merging another credit file with my current file, which is the cause of this restriction. 

This action violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( 15 U.S.C. 1681g ), which entitles me to access the information contained in my credit file. The FCRA requires credit reporting agencies to provide consumers with access to their credit reports and maintain the accuracy of the information reported. Blocking my access to my file and failing to notify me of any significant changes constitutes non-compliance with these federal requirements. 

Furthermore, your failure to ensure the accuracy of the information and maintain my ability to monitor my XXXX XXXX has caused financial and emotional distress. This situation has had a direct negative impact on my creditworthiness, which is unacceptable. 

As a remedy, I formally demand that you : Immediately restore my XXXX XXXX to its previous state of XXXX prior to the merging process. 
Provide me with unrestricted access to my credit file and any documentation or details regarding the merging of the files. 
Investigate and resolve the issues caused by the merging process, ensuring that all reported information is accurate and properly attributed. 
If these issues are not resolved within 15 days of receipt of this letter, I will have no choice but to pursue legal remedies as permitted under the FCRA, including statutory damages of up to {$1000.00} for non-compliance and additional compensation for any actual damages incurred. 

Please confirm in writing within 15 days that the necessary corrections have been made and that I will no longer face barriers to accessing my credit file. Failure to comply will result in legal action without further notice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX XXXX. I live in XXXX, TN. XXXX. XXXX XXXX someone tried to finance a car at XXXX XXXX XXXX in XXXX, AL., after three unsuccessful attempts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX the credit monitoring service notified me. I called XXXX of XXXX with little concern for error. I decided to ask for accounting department. Explaining again the mistaken identity an employee admitted to a customer with a name similar to mine had tried to finance a car and also in entering the incorrect data that identified me along with other information that did not check out correctly.The 4 hard inquires hit on TransUnion. This field of information and workings was not familiar to me and has consumed many hours of research and inquires to the appropriate companies with absolutely NO help, concern or even a comment on getting the hard inquiries removed. Well i stand corrected one more I did speak to head of accounting and were sorry for the error and explained it was my responsibility to resolve the issue. Needless to say. They created And they should correct all mistakes.
Consumer complaint received 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TN)

I purchased a vehicle from Kia of XXXX, TN in XX/XX/XXXX. I setup autopay for automatic payments to Kia Finance. In XX/XX/XXXX we decided to retire and relocate to our home in XXXX, XXXX. We sold the car to XXXX XXXX, and XXXX XXXX payed off the remaining loan. Unfortunately a payment was due and deducted from my account prior to XXXX XXXX submitting the loan payoff amount. I was assured by Kia Finance a check would be forth coming. I had notified the post office of my move and had a forwarding address, I received all of my mail with the exception of the Kia Check, so I called them to follow up. They had assured me the check had been sent so I gave them my address in XXXX. After several months, I called again, they provided me the address they sent the check to, but it was incorrect, ( it should be noted the check did eventually arrive, but the check was expired by the time it arrived ). I corrected the address in XX/XX/XXXX, but until now I have not received a replacement check, and I have lost confidence in Kia 's checks in the mail statements. While I do have a foreign address I have received all of my mail from my banks, Social Security, gifts from family etc. I am rapidly approaching a year of Kia not reimbursing me for money they acknowledge they owe. Should the check discussed in XX/XX/XXXXactually arrive it would no longer be valid, as they have a 180 day expiration on it.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score,  because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Recently Mr.Cooper.com has unilateraly increased monthly mortgage ( $ XXXX/Mo ) to $ XXXX/Mo, without cause. They have also instituted a monthly " penalty fee ''. My Modified loan is at 3 %, 30 year mortgage, that was serviced by XXXX XXXX. When Mr.Cooper.com took over this mortgage, and became also a " collection agent '' for XXXX, they decided to increase the monthly mortgage payment to an amount beyond our ability pay, given in my family of 3, over the past 3 years, we have faced 2 life threatening medical issue of XXXX ( wife ) and XXXX XXXX ( XXXX ) financial hardship as well as increased anxiety due to systematic harrasment by XXXX, their attorneys and now " Agents '' Mr.Cooper.com and XXXX. 

Mr.Cooper 's website for " contact us '' refused to take my written request. Previously their phone assistant was unable to address this issue by phone, after a very time consuming phone call process they have in existence
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I already filed a complaint about Equifax not reporting my positive credit. Now I am asking them to remove the fraud alert I never requested.. I have sent in my Drivers License and Social Security Car and proof of Address. They have ignored me and refuse to complete my disputes. I have a utilization of 92 percent which is inaccurate. I have called many times and they are clueless.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a 5 year+ relationship with bank of America XXXX always paid my credit card on time, never ever missed a single payment either. Earlier this year, bank of America advertised the option for customers to be able to choose which shopping category they want to earn 3 % cash back on, after sending me numerous emails to choose my category, I finally choose the category that I use most often, and continued using my credit card. 

I feel that Bank of America was VERY deceptive in their advertising practices by allowing me to earn 3 % back in a category I choose, and then closed my account without any notice, thus giving me NO opportunity to even redeem any of my earned points. 

I have used this card every month for the past 5 years and was surprised that BOA did not notify me about closing the card. 

I had no idea my card was closed until after it was declined at 3 different grocery stores, these are stores I go to all the time!! Its literally less than 1 mile from my house and my card was declined. I called customer service and was told my card was closed after a review for no apparent reason. This is absolutely wrong and embarrassing for a bank like BOA to be this unprofessional. 

I have reached out to two bank of America supervisors/managers but all the said were bank jargon just to further confuse customers. BOA mailed me a generic letter stating the card was closed for : sufficient balances on revolving credit line, this term is ambiguous and therefore not specific especially being that my card had no balance at all.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (TX)

Ever since XXXX, my social security check has been garnished of {$170.00}, and I called the social security office, and they told it to me was a company called pioneer recovery and also their other name pioneer recovery, and also XXXX  for the last five months of {$950.00}, and now they want two more payments of {$170.00} for the XXXX and {$74.00} for XXXX for a government debt that I paid off six years ago, and when you owe {$1000.00} government debt, the U.S department of treasury will send you a letter.
Consumer complaint received 2019-08-01
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. (TX)

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS. 
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report. 

ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Green Bay, Inc. (WI)

In 2013 I had medical insurance and had met my 100 % out of pocket. My daughter XXXX required major XXXX XXXX. All of the procedures had been accepted by my insurance as covered. When the oral surgeons office billed, they left off a billing code for a bite wing analysis, a very important part of the needed procedure, because of this my insurance was unable to pay the bill, I as well as the insurance company tried countless times to get the needed code, we were told there was no specific code, a blatant oversight on there part as we had a code prior to the billing before the XXXX. For the first few years I heard nothing on the bill and assumed they had written it off for there error, they had not, and had put it on my daughters credit report as unpaid, she was XXXX at the time of XXXX and not legally responsible for the charges, when this was pointed out to them, they then started billing me and put it on my credit, I have and will refuse to pay this bill, it originated in XX/XX/XXXX2013 when the XXXX was preformed. If you can not correct this, how long before it drops off?
Consumer complaint received 2019-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I spoke to XXXX XXXX XXXX XXXX and they confirmed that they would be removing these incorrect late fees ( XX/XX/2017 - XX/XX/2017 ). They said for me to dispute the payments with the credit agencies and when the agencies contacted them, they would confirm they could be deleted. I have disputed with the late fees withe agencies, however the agencies reported them as valid. They are not completely investigating.