davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, experian, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union (WI)

On XX/XX/year> I opened a checking account with First Tech Federal Credit Union. One of the things that enticed me into opening the account was a {$300.00} signup bonus. I took 2 screenshots of the terms on their website at the time. I followed the terms which included depositing {$1000.00} in payroll. After a few months I reached out as to why the bonus hadn't been paid. They started a case ( XXXX ) to look into the matter, but on XXXX a customer support person called and said they have denied the bonus. The reason isn't really a reason. They say my wages from XXXX and XXXX ( I am a professional driver ) do not count as payroll payments, despite the payments being made via well known payroll companies. No where in their terms did they say this type of freelance work would not count toward the DD requirement. I have banked at plenty of other banks where these payments did clear a bonus, so how could I have known XXXX XXXX alone in the industry would deny those wages as being considered wages. I feel I was bait and switched. They tricked me into signing up for their product with no intention of honoring the terms.
Consumer complaint received 2023-01-28
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 (CO)

I have been denied a refund on a purchase by XXXX. The purchase was made in XXXX for a concert in XXXX. We were emailed by XXXX that we would receive a refund as the main performer wasn't appearing. We did not attend and our tickets weren't scanned. XXXX ignored my repeated emails until yesterday, XXXX XXXX. At that time, they said they escalated my request. Today, they denied it and said there was a XX/XX/2022 deadline to get a refund. That was never conveyed to us at any time. Now it is too late under BofA 's guidelines to dispute the transaction.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

On or around XX/XX/2015 my Aunt left monies and trust to undersigned of which Funds were withheld by Suntrust Bank Account XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (PA)

The company is purposefully practicing illegally in order to charge as many extra payments as possible. 
I reached out in the fall of XXXX bc I was having trouble making payments. 
The rep told me I could go on a payment plan, NOT to make a payment now, that the past due amount would be tacked onto the end of my loan ( I have the screenshots ). 
This didn't happen. A few months later, my account was marked as late, every month as I continued to pay, and I was told that the payment in the fall was late. I showed another rep the screenshot proving that I had been told not to make a payment, and he refused to help me. 
I made a payment on XX/XX/XXXX, the payments are due on the XXXX. Now I am being told my XXXX payment is late. The rep confirmed this was a mistake. but he didn't know how to fix it, no one could call me back, and I " better make time to call in. '' So they repeatedly make mistakes they refuse to fix, but I have to spend my worktime and money calling ( I am in another country, its min {$50.00} each call ). SO if they insist on this, they will have to credit my account for each call. This XXXX, they know how to use email. In fact ALL of the XXXX banks I do business with have managers that email me, XXXX, XXXX. So really this is an excuse. 

Also, when I reached out a few weeks ago, I was told I'd get a call back. The call back never came, nor did an email. But it just so happens that now Im out of the grace period. Which seems like the company does this on purpose. : Contact us if you are having problems but we will waste your time leaving you waiting to make sure you accrue late fees. '' The rep I spoke with today accidentally told me the last rep marked in the notes while we were talking that no one would call me, but you can see on my messages he told me they would. I have all of this in screenshots. 
Also when I called in before the loan was late, the rep wouldn't talk to me about the upcoming payment. He kept going back to the late payment in XXXX or XXXX XXXX it wasnt really late BTW and all of the sudden they fixed it and decided a new month is late ). But the point is, he used the error the company made as a way to change the conversation and refuse to help me. This company is breaking the law. 

Lastly, I signed up for a Covid relief program through Lending Club, there was no mention of this extending the life of my loan for a year. And now, mysteriously, my loan is a year longer, and one can explain it.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Consumer complaint received 2021-06-16
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. (PA)

I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Signature Bank (NY) (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018-30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Attached I have XXXX card statements from my Capital One card. Each statement says XXXX points earned. I spent around {$2100.00} and {$80.00} and {$650.00} the last XXXX months. XXXX total points were given on each. However I should receive XXXX point per dollar spent. I am owed XXXX points. 

Additionally, I reviewed my past year and you are to get double points on fast food restaurants. From XX/XX/XXXX2018 to XX/XX/XXXX2019 my family had {$1600.00} in purchases that qualify for double points. 

Capital one told me they are aware of the issues last year and are working to correct. However, the issues werent corrected and the points earned arent showing up.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A guy add me from XXXX, and he told he can teaches me to invest and save some money on the app. And he referred me a account number which is the costumer service of the app. And he send me a link to door load it. Now he is gone and admitted he was a scam. 
It all happened around around a year ago in XX/XX/2021. 
I lost XXXX USD
Consumer complaint received 2023-07-18
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. (AR)

This is my second attempt to inform you that the current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts 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
Consumer complaint received 2022-09-20
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 
15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) 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 2019-04-14
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. (NH)

I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as Transunion, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of XXXX-XXXX, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Date was XX/XX/19, I received a letter from PayPal failing to state the reason for denial. Multiple times have they refused to issue me credit without any reasonings.I have the letter with the missing information as to why I was being denied, it was left blank.
Consumer complaint received 2022-09-21
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 Reporting XXXX XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # 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 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-18
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: CORELOGIC INC (AL)

Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX BANK XXXX - XX/XX/XXXX, XXXX XXXX BANK XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX  ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX,
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/XXXX of 2012, I went to purchase a XXXX vehicle from the dealership. I had saved up {$10000.00} to make a down payment on the car. The cost of the car was XXXX as advertised online at the time, on the XXXX dealerships website. When I went to purchase the vehicle, I was told that I would need a loan in order to complete the purchase. The dealer set me up with the finance department, and they proceeded to check my credit with XXXX. XXXX denied me for the loan, so the next step was XXXX running my credit thru the Toyota Finance department. I was immediately approved, especially after they knew that I had a substantial deposit amount. The dealership then proceeded draft up a contract. I ended up Financing the car from the dealership. I believe that I was mislead in the pricing and over charged on the interest rate. This lead to me paying double the price for a used vehicle. My initial down payment was absorbed by the company, and When interest was factored in, I would be paying the listing price. I believe that my down payment was pocketed and then the dealers calculated a rate that would end up making me pay the listed price through interest even though I had made a down payment.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

I bought out my lease from Hyundai Motor Finance ( HMF ) for a XXXX XXXX and even though they cashed my check over 35 days ago, they keep giving me the run around about when I'll receive documents so I can transfer the title. Before submitting the lease buyout documents, I called HMF to verify they would send either a notarized title or bill of sale and I was guaranteed the bill of sale would be notarized if the title was not... neither are. 
I've contacted HMF multiple times to request a notarized document stating the purchase price of the vehicle, and every time I'm told it will be 5 business days. HMF confirmed today that they still haven't processed anything and, " we're processing requests from two months ago ''. HMF has intentionally misled me and misrepresented their services in what appears to be an attempt to discourage me from exercising my contractual right to purchase the vehicle. They have lied about sending the notarized documents and it appears they intentionally misled me and then changed their story once they cashed my lease buyout payment on XX/XX/XXXX. 
I've contacted HMF multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be given a different story each time, without progress or an outcome. The XXXX XXXX Clerk and myself have both sent a KY  Certificate of Title form to HMF to sign also and have not received a response.
Consumer complaint received 2019-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

Rushmore Loan Management Services has arbitrarily imposed " personal insurance '' policy on my account when I have already provided insurance policy. They are charging my escrow account {$100.00} per month since XXXX. They refuse to stop stealing my escrow money for this fraudulent insurance policy. My insurance policy provides all coverage required by my loan and has been in place constantly from XXXX. 
I have XXXX loans with Rushmore, all originated with same lender, all have identical insurance provider BUT Rushmore is illegally stealing from this one account with their self imposed " personal insurance '' policy. 
I want these withdrawals stopped and all funds returned to my escrow account.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

Cancelled my account with XXXX over 2 years ago. XXXX picked up equipment and nothing was owed or due. 
Diversified Consultants, Inc. have been continually reporting me falsely in an malicious attempt to extort money out of me. Moreover. they removed this from my credit previously then started placing this negative action back on my report causing me great financial harm.
Consumer complaint received 2022-09-21
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 (WA)

Please see original complaint # XXXX. Because Bank of America did not do it's due diligence regarding this matter, I had no other choice than to hire an attorney to resolve the issue. My attorney did indeed get the proof necessary in order for Bank of America to reverse the fraudulent charge dated XXXX XXXX 2022 for the amount of {$1200.00}. Bank of America never contacted the merchant in question, only XXXX payments systems and took their word for it. Clearly, XXXX has also been scammed in this situation. As you can see from the document my attorney prepared the merchant in question did NOT provide me or my husband any kind of product or service. 
Attached you will find the original letter from my attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX XXXX. I look forward to hearing from Bank of America in resolving this matter.