davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

On XX/XX/XXXX I finance a car loan with Citizens Bank with an credit score of XXXX they gave a APR for 6.15 % for 84 months.The loan amount was XXXX my monthly payment was {$590.00} I refinance with XXXX XXXXXXXX on XX/XX/XXXX with a better interest rate APR 2.59 % for XXXX months. When XXXX XXXX paid off my balance I called Citizens Bank in reference to a refund of a partial refund for the Gap Insurance that I was included in the loan which was paid {$1000.00} dollars. They told me that I dont get no refund that according to Wisconsin Law they applied the partial payment to my balance that had reduced the payoff balance. I have been calling several times throughout the year trying to resolve this issue. I kept getting the runaround. 
So in XX/XX/XXXX I still didnt understand why I havent received a check. I spoke with customer service they explained to me why I didnt receive any money back. This time I finally requested an copy of my payment history. 
When I received the papers in the mail I notice that they applied an substantial amount of my car payment toward the interest instead of the principal. My first car payment of XXXX was due XX/XX/XXXX I paid on XX/XX/XXXX {$600.00}, {$280.00} applied to principal {$310.00} applied to interest Principal {$40000.00} XX/XX/XXXX {$600.00}, {$300.00} applied to principal {$290.00} applied to interest Principal {$40000.00} XX/XX/XXXX Payoff from XXXX XXXXXXXX {$39000.00} Principal applied {$40000.00} interest applied {$190.00} Fee/other paid {$960.00} principal balance {$960.00} XX/XX/XXXX rebate credit transaction {$960.00} fees/other {$960.00} Principal balance XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

On or about XX/XX/18, I opened a consumer checking account with HSBC by responding to an advertised promotion promising {$350.00} if I deposited {$10000.00} within 30 days and kept it deposited for 90 days. HSBC is still running similar promotions as of the date of this complaint. 

On XX/XX/18, I deposited {$10000.00}. This date is within 30 days of the account opening, fulfilling the promotions terms. 

On XX/XX/18, I withdrew {$9900.00}, bringing my account balance to {$50.00}. The time the account balance was above {$10000.00} was more than 100 days, further fulfilling the promotion 's terms. 

The promotion 's terms stated that the {$350.00} bonus would be paid within 8 weeks ( 56 days ) of  meeting the promotion 's terms, which would have been on or before XX/XX/2018. 

During and before XX/XX/2018, I contacted HSBC to resolve this issue several times. HSBC has continued to engage in obstruction and false statements regarding the account 's history and bonus status. Importantly, they had also refused to honor their promotion for my husband 's account opened under the same promotion, although they later resolved my husband 's account after being confronted about failing to honor their advertised promotion. This indicates a pattern of deceptive and obstructive behavior regarding honoring their advertised promotions. I'm sure the CFPB can verify from other complaintant 's reports that HSBC is well known for this kind of bait-and-switch behavior. Bait-and-switch is illegal in the Untied States, and HSBC knows this yet continues to engage in it. 

I have attempted to resolve this with HSBC for several months, and have been in contact with them about this issue more than 4 times. They keep refusing to honor the terms of the promotion, and point me to terms of a different promotion altogether. 

I would greatly appreciate the CFPB looking into HSBC 's conduct in this matter and helping to resolve the situation. HSBC 's internal complaint confirmation number is XXXX
Consumer complaint received 2020-05-15
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. (CA)

I disputed the account XXXX XXXX  with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX and the incorrect information is still there. 
This account was Never Late and is paid off however, XXXX  has it incorrectly marked as late with a balance I disputed the account XXXX XXXX  with XXXX   and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX  and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (AR)

I have been a customer of Citibank since 1989. I am eligible for a PPP loan of around $ 17K. It is a very small amount compared to most of the other loans that have been given out. My credit union is small and is not registered with SBA. On XX/XX/XXXX or XX/XX/XXXX I logged in on Citibank 's website and put my email address in the form they provided to sign up for PPP. I never heard back from them and their website now says they are not accepting any more applications, probably has said this for a while now. In XXXX ( not sure of the date ) I logged in and went to their chat feature under support. I asked the person responding about my chances of getting a PPP loan from Citibank, and the guy ( I think his name was XXXX ) told me that I would not be receiving anything because Citibank was only giving out loans to their biggest clients who had current or recent loans. They should have a transcript of this chat. I gave up on PPP then  but now that I see many others are complaining and Citibank is saying those complaints aren't true, I wanted to add my voice to show that the complaints are true. Citibank should apologize and start helping people. They should be ashamed of themselves.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

As a part of a liquidification plan with Chase on my Chase Slate and Amazon card, I made an arrangement months ago to make a payment on {$84.00} a month for the Chase Slate card and {$46.00} a month on the Amazon card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The Chase representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called Chase and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points when I worked so hard getting it up the past year. I told the representative I would  pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.
Consumer complaint received 2023-03-03
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. (MI)

This is my 7th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$40.00}
Consumer complaint received 2023-03-03
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-03
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (NV)

THIS IS LAUGHABLE AT THIS POINT, EQUIFAX AND ONLY EQUIFAX CONTINUES TO REPORT NEW UNVERIFIABLE UNIDENTIFIABLE INFORMATION AND ITEMS ON MY REPORT SINCE THE START OF 2020, AND AGAIN, THIS XXXX XXXX XXXX AUTO LOAN ACCOUNT DOES NOT BELONG TO ME. IT IS BEING FALSELY REPORTED AND HINDERING MY CREDIT SUBSTANTIALLY. THIS DOES NOT BELONG TO ME. I WAS NEVER SENT ANY TYPE OF ALERT OF THIS ITEM OR HAVE I BEEN SENT ANY FORMS OF VERIFICATION FOR THIS ITEM SINCE I DISPUTED IT. UNDER FCRA 809AB LAWS, EQUIFAX HAS NOT BEEN HONORABLE. I AM POSTING THIS TO BE CERTAIN EQUIFAX NEXT ACTIONS ARE BEING SUPERVISED AS I NO LONGER TRUST THEM.
Consumer complaint received 2020-05-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-14
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 sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Consumer complaint received 2022-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (VA)

Demand for payment received in attached demand dated XX/XX/2022, from Firstmarkservices. It may be a mistake or a scam. I have responded by attached letter dated XX/XX/2022, demanding evicence of indebtedness. The addressee is a name similar to, but different than, the owner/resident of the address in the Firstmark Services demand letter. Because it may be a " phishing '' misuse of Firstmark services identity, I have decided to open a complaint in order to facilitate avoiding damage to other XXXX  citizens.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

I took out a loan from CashCall in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( C1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (GA)

Credit agencies reported late payments when I was never late. I have never been late. 




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 2024-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

# XXXX Considering how detailed this complaint was the first time and it was still closed without literally anything being done about it, the best route to me seems to just leave the reference number for the original complaint. At this point Im really not sure if all of this is just a waste of time and I need to seek legal help, because Ive received ZERO help from either of these companies. There is no excusable reason for Truist to have never corresponded with me throughout this process and still be taking my money and allowing the checking account to function after they closed it without my knowledge MONTHS ago and never gave me the money from my savings account that they continue to drain. This is absolutely unacceptable and most definitely illegal, BEWARE TRUIST BANK!!!!