davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (TX)

GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, authorized a loan for an AC Unit and air handler on XX/XX/2020. I disputed the loan amount with the company that installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, however, Greensky canceled the dispute on XX/XX/2020, although I had not received resolution from XXXX XXXX XXXX XXXX. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. 

I was promised products that have a lifetime warranty ( XXXX ) for both the condensing unit, compressor and air handler/furnace. Was advised of price difference between XXXX/XXXX, but was still charged higher amount although I didn't receive the products that have higher warranties. Condensing unit fins and coils were damaged. Model XXXX XXXX XXXX ton. I requested a new condensing unit with no damage and the company was unable to provide an undamaged unit and did not provide discount for damaged goods installed. My neighbors had a XXXX XXXX XXXX XXXX XXXX ton compressor and air handler/furnace installed for {$7200.00} with a licensed local competitor. 

Deceptive and abusive sales tactics were used. Here were some of the things said to me, " When we offer 0 % financing we have to pass along the cost to our customers. '' I have filed complaints with the XXXX XXXX XXXX  and a price gouging complaint with the Texas Attorney General which are all public record. 

Attached are the receipts for my purchase and the receipts for my neighbor that show how much they overcharged me on the same size AC System from a local competitor.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IN)

The first problem I had was when I was trying to dispute about a hotel charge that I didn't make NetSpend customer service told me that it was the hotel but I called the hotel and it wasn't we worked that out and now I got major issues. XX/XX/2020 I took out {$300.00} from a XXXX ATM the charge was pending even though it was took off my card then. The same day it went through and was took off my card again. XX/XX/2020 I had the same thing happen with an atm withdrawal of {$200.00}. I believe it happen more but them are the times I know of for a fact. Then the card is suppose to have NetSpend payback rewards that's supposed to be credited to your account at the end of the month they only credited me for one month and I had this card for about six months maybe seven months it's in writing and that's one of the reasons I got the card. They also let a merchant take money I didn't have in my account I only had a dollar and it put me in a negative. I tried calling but the lady took and sent me back to the call center where it was a mechanical person talking and I'm pretty frustrated with everything that's going on so could you please help me.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (NY)

Around XX/XX/2019 I took a drug screening test for XXXX and was given results that they have found XXXX in my system. I do NOT smoke XXXX. My complaint is that I know for a fact the results they gave me were absolutely false. I need help!
Consumer complaint received 2020-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Two separate deposits to my PAYPAL account were placed on an extended hold without prior notice. 

One transaction was placed on a 21 day hold, because PAYPAL suddenly decided I was a " New Business '' even though I was not a new business or even a business. There was no previous warning when i had deposits to this account. 21 days is a random and extended amount of time to withhold funds. The sender sent this money on XXXX XXXX. Paypal further told me that the person who sent the funds could " complete '' the transaction by approving on her end, however she has no such ability to do this as it is not offered to her and Paypal is lying about it. 

The second transaction is from a person who sends funds on a regular basis and Paypal put a 10 day hold on it because they said it was a check or paid from a checking account. 

This is ridiculous, as banks aren't allowed to hold funds for that long.
Consumer complaint received 2019-05-08
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 HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2019-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

My wife and I sent investigation requests to the credit bureaus on XXXX XXXX. We were supposed to receive the results within 30 days. She did, but I did not.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (AR)

All of my bills are set on auto pay. Business was slow for a week and was waiting to get paid. The bills hit the bank and it pulled my account to - {$1200.00}. With the associated fees of {$37.00} times 13. I had deposits going into the account but with the fees it didnt show positive for two weeks because the fees just kept adding up. I received a letter they are closing my account at the end of the month. Currently there is over {$2400.00} in the account and they will not let me withdrawal or close the account either. I have bills that need to be paid but the bank will not let me have my money. 

The manager said they will mail me a check after they close the account on the XXXX. Its the XXXX now.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (CO)

I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills. 
The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!! 
No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess. 
I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado. 
Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

During the summer of 2018 I filled out an application for an XXXX XXXX ( Bank of America ) Credit Card while on an XXXX XXXX flight in XXXX Alaska. I turned the application into an XXXX XXXX representative ( flight attendant ) then waited several weeks, but never received either a card or a denial of the application. 

In the fall of 2018 I applied again for an XXXX XXXX ( B of A ) CC. In a matter of weeks I received a card in the mail, activated it, and began using it for travel purposes. 

In XXXX, and several times since then, while I have been away from home working in remote locations in Alaska, my wife has paid my CC bills. I just recently noticed she had paid an annual fee and accrued interest charges on an XXXX XXXX ( B of A ) CC I have never received, activated or used.
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.
Consumer complaint received 2019-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

My Navient private loans were refinanced in XX/XX/XXXX with XXXX. I no longer owe any money to Navient. However, Navient withdrew payments from my account for the month of XX/XX/XXXX and on XX/XX/XXXX of {$250.00} that I did not authorize because I no longer have loans with Navient. XXXX repayment plan is for {$240.00} per month which I agreed to. I contacted XXXX and was informed that since I did not terminate the automatic payments with Navient that they will continue to deduct funds from my account even if I did not have a loan to pay as they use a third party to collect payments. I was not informed this by Navient or XXXX until I contacted the company on XX/XX/XXXX.
Consumer complaint received 2019-04-22
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: AC AutoPay LLC, Denver, CO Branch (TN)

XXXX XXXX was my go to shopping site for auto refinance which make me sign a disclaimer that state lender MAY do a hard pull on my credit account. 

AutoPay reached out to me offering for the refinance and the gentle man gave me a offer and I clearly told them to wait until I hear from other lenders as I was still shopping. 

I also told them over the phone to not complete my application and even if they do don't do any hard queries on my account, but soon after I ended the call they did a hard pull on my account and when I called the agent, he apologized me for doing it by mistake and also told me that his manager will call me for the dispute. 

The great manager called me and said since I signed the disclaimer with lending that gives them the super power to do hard pulls on the account how many ever times they need which is ridicules. 

I still don't understand when I didn't authorize anything over the phone, they did a hard pull on my account and not willing to dispute it. 

Now they're not even picking my calls. Please help me hear. This is cheating.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I sent an letter asking Equifax, to delete the fraudulent credit card information regarding XXXX XXXX XXXX  Card Services showing {$5600.00} Equifax never did an investigation into the fraudulent information. 
Equifax never deleted the fraudulent information. 
Equifax kept reporting the fraudulent information on my credit report XX/XX/XXXX Equifax is stating the account is charged off and closed. 
The fraudulent information is still showing on my credit report. 

XX/XX/XXXX Received a settlement from the settlement XXXX involving the class action settlement in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX California Court Case No. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MS)

Previous Complaint XXXX : In response to this previous complaint Pay Pal notified me they were refunding XXXX dollars as a courtesy. But last month we mailed our payment for it to arrive in time thus avoiding a late fee. With friends I write frequently in XXXX, NC, I am familiar with the time frame with which the US Mail takes to traverse the distance to there from our home and back. But looking at their invoice, they posted our payment one date late on XX/XX/XXXX instead of the date it arrived. And five days later they accessed this account another XXXX late fee. My sources familiar with Pay Pal stated it is not uncommon for them to hold a payment so they can access a late charge. And they make millions doing this to other patrons also. I consider this a form of fraud and request a review of their activities. This may also be considered racketeering and I am sure there are laws against such treachery.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc. (CT)

I am currently on a 60 month hardship program with my Zales account. Under terms of the program, my monthly payments are XXXX a month. The account shows a payment in the amount of XXXX due on XX/XX/XXXX, payments are scheduled out for six months for XXXX each. I believe my monthly payment should show XXXX due, not XXXX. A payment in the amount of XXXX was made as an ACH on XX/XX/XXXX and returned on XX/XX/XXXX, it does not appear that payment went through ... I made another payment in the amount of XXXX as a replacement for this payment on XX/XX/XXXX, I do not see it returned as of yet. There appears to be an error with payments withdrawn from my account, the initial payment was returned the same day on XXXX was assessed on XX/XX/XXXX in the amount of XXXX which is a late fee and on XX/XX/XXXX, a finance charge in the amount of XXXX. Please note, the terms of the program also state there is no interest/finance charge. Needless to say, these fees are questionable as there is an error in withdrawing payments and terms state there is no interest.
Consumer complaint received 2019-06-02
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. (MD)

on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from XXXX, XXXX, and Transunion and I noticed multiple auto loan inquiries across all 3 Bureaus that  were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : XXXX : XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transuion : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.
Consumer complaint received 2019-02-04
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. (MI)

I had requested to have the inquiries listed below removed from my credit report as the inquiries were not authorized or placed by myself. The agent I had spoken with at Transunion on Friday XX/XX/19 had said they would not be able to assist me.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have three complaints with Equifax : 1 ) there is a closed account that should be removed 2 ) there is a credit card account that should be added and 3 MOST IMPORTANT There is no way for me to have this resolved online as they tell me I am not me ( do not pass authentication ). And of course, it is because they have outdated or incorrect information!

My biggest issue is that they tell me I must resolve this dispute through the mail or fax and to do so they want me to mail or fax a copy of my Social Security Card and my Driver 's License and to note that it is going to the Credit Dispute Department.

I can not think of any bigger signal to an identity thief than sending these two pieces of information through the mail or on a public fax!!! I can not believe that there is no secure section on their server that can receive this information.

The whole process seems entirely counterintuitive.

The other two agencies have all the correct information so it is Equifax that is holding down my credit rating.

I have spoken to them several times but have gotten no satisfaction or even acknowledgment that this is a faulty and dangerous process for dispute resolution.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XXXX XXXX 2019, I noted three fraudulent transactions on my card. I immediately notified Capital One and they flagged all three and removed the transactions. 

On XXXX XXXX 2019, one of the charges reappeared, at XXXX for {$67.00}, dated for the XXXX  now. I reported this one as well, and received assurance that it was a duplicate and would be removed/investigated with the others. 

On XXXX XXXX 2019, I received notice that the XXXX transaction was deemed legitimate, and the others would be kept off. I called to dispute this the same day and was told that it was seen as legitimate for being delivered to someone at an address I've never had, with the same last name as me. The address they were provided by XXXX, which the representative also gave me, is not one I've ever had anything to do with and the name on the purchase was clearly <firstname> <lastname-that-matches-the-stolen-info>. I was told the charge would be removed. 

Today, XXXX XXXX  2019, I was notified by a separate spending-tracking app that the charge was not removed or otherwise was reapplied to my account, dated XXXX XXXX 2019. 

Capital One is charging me for something I didn't buy because it was already delivered to the thief 's address.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Submitted dispute for XXXX charge that occurred on XX/XX/20 - sent them the text and chat response from XXXX with XXXX admitting they didn't deliver the items. The request more information on XX/XX/20, I resent the items, screenshots, and letter, and on XX/XX/20 they closed the claim stating I never responded even though I have a fax confirmation from XXXX and resent the letters via regular mail twice. I have now been charged overdraft fees, missed time from work, and still don't have a credit to my account. I advised them I would file a smalls claims suit if no response is received in 30 days ( +5 for mailing ).
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXX Routing No XXXX