davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (IL)

Hello, Around XXXX of 2020, I spoke with a representative regarding options for payment relief for Lending Club. She told me about a Deferment plan that I can do. I proceed to ask her questions and she did tell me that I would accrued more interest and instead of me paying in 36 months I would extending to 38 months. She also said when I start back making payments that some will go on the principal and some will go on the interests. So I agreed to do the two month deferment, I did not make a payment in XXXX, however, I made a large sum of payment in XXXX and XXXX they start taking out my regular payment. I checked my account on XX/XX/XXXX and I was extremely shock that my XXXX payment went all on the interest and none on the principal. I was deceived, if I would of known that my XXXX and possibly my XXXX payments would go all on interests I would NOT agreed to the deferment plan. This is unfair business practices and withholding information as vital as this one is not best business practice.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

My wife and I run a small personal business out of our home. A local bank - BBVA - was who we used for a couple years now. This year that bank was purchased by PNC Banking. 
The terms and conditions of our account changed drastically- but we need to finish the year out and swap banks on the first. However, the entire year 's worth of banking information from BBVA - prior to the swap to PNC- is gone. We can not access it electronically online- they have shut down the website. We can not access it through the PNC online resources. Now - PNC- is charging us for every single month of records we want from our account. Because of tax obligations we have to reconcile our accounts. They have made the process impossible and randomly expensive. We can't even get the account information from the bank- we have to request, pay, and they will mail it later to us - per the bank teller we went to the bank to speak with. 
How can we have an account for years, the bank be purchased and WITHOUT NOTIFICATION THAT THE BANKING INFORMATION WOULD NO LONGER BE AVAILABLE - have all access to it shut down? Now only is access gated, you have to purchase access to it. 

That was not the terms BBVA operated under. If PNC purchased them, they should be obliged to honor the terms of the agreements BBVA had with its customers. How can they just turn our bank account into a revenue stream for access? 

Is literally no one in the government overseeing the purchases of banks???
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts and information listed on an id theft report. The items in question are as follows : XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these items or authorize anyone else to do so on my behalf. This is a clear a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-27
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: National Credit Adjusters, LLC (GA)

On XX/XX/2020 National Credit Adjusters Collections add a  derogatory mark on my credit report pre credit karma. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contact or signature for this accused debt at all. All bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, National Credit Adjusters Collections has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-06
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. (NC)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Citi Bank changed their travel insurance policy right before the beginning of the Covid-19 pandemic. I was not aware of these changes when booking my vacation in XXXX of 2019 and denied the insurance offered through the booking agency as I thought my card would offer protection. 

Due to Covid, our vacation was cancelled and the booking agency would not allow a refund, postponed vacation, or a credit toward the following year. I then filed a dispute with Citi Bank and they would not offer any relief. Now, not only is the vacation cancelled but I am stuck with a bill of {$2000.00}. 

I wish that Citi Bank would clearly notify customers when terms of their card are changed. Possibly even have the card member at least acknowledge the changes to their benefits. I travel for work and settled on my two citi cards, in part, based on the travel insurance that was included.
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA, was found guilty of using an Internal scoring system to trick consumers into getting car loans and charging a more than higher interest rates as high as 45 % in some cases. 

The Attorney General of California, has deemed the company guilty of fraudulent acts and business practices. The courts has fined the company over {$500.00} XXXX XXXX in restitution to be paid back to consumers who vehicles were repossessed in the first twelve months, and must remove any all negative items off credit report. 

Santander Consumer USA, is refusing to remove items, and pay restitution to consumer by stating no fault.
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MO)

My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 1 ) XXXX  XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$96.00} 3 ) XXXX XXXX XXXX XXXX  two charge offs. 4 ) XXXX XXXX XXXX XXXX. 5 ) XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (AL)

I sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my report. 15 U.S.C. 1681s-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 2019-03-29
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. (CA)

My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.
Consumer complaint received 2020-08-27
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)

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

Early Warning Signs has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on Early Warning Signs as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my Early Warning Signs report.
Consumer complaint received 2020-08-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-12-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (CA)

Subject : Request for Resolution of Charge-Off Account** Dear Hyundai Motor Finance , My name is XXXX XXXX XXXX XXXX and I am writing to seek your assistance in resolving a financial matter stemming from a vehicle purchase and trade-in agreement made in XXXX. This issue has led to a charge-off on my account, which I believe is unjust due to the dealership 's failure to honor our agreement. 

In XXXX, I purchased a fully loaded Hyundai Kona from the Hyundai dealership on XXXX XXXX, trading in my XXXX Hyundai Ioniq. Due to unforeseen circumstances, I was unable to bring the Ioniq to the dealership at the time of purchase, as I had traveled from XXXX, California, to XXXX XXXX specifically to finalize this transaction, which had been pre-arranged over the phone with a salesperson. I paid full retail plus the added {$6500.00} dealer markup. 

The dealership 's sales manager assured me that they would honor a sight-unseen trade-in of my XXXX Hyundai Ioniq at its full book value. However, the car sat for months while I awaited the pick-up from XXXX XXXX Hyundai , which never occurred. During this time, I was still responsible for making payments on the Ioniq until it was finally reloaded. Trusting the dealership 's assurance, I proceeded with the purchase of the Kona. Unfortunately, it has come to my attention that the dealership did not uphold this agreement, resulting in a financial discrepancy attributed to me and ultimately leading to a charge-off on my account. 

This situation has adversely affected my credit standing, despite my adherence to the terms presented by the dealership. I am requesting that Hyundai Motor Finance : - Remove the charge-off from my account, as it originates from the dealership 's failure to honor the agreed-upon terms. 
- Investigate the dealership 's practices to ensure accountability for the commitments made to customers. 

XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX - Social Security Number : XXXX I have been a loyal Hyundai customer and have always valued the brand 's commitment to integrity and customer satisfaction. I am hopeful that Hyundai Motor Finance will assist in rectifying this matter promptly and fairly. 

Please inform me if any additional documentation or information is required to support my case. I am prepared to cooperate fully to ensure a just resolution. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX
Consumer complaint received 2020-08-28
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: Ability Recovery Services, LLC (GA)

On XX/XX/2020 ABILITY RECOVERY SERVICE add a derogatory mark on my credit report pre XXXX XXXX Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contact or signature for this accused debt at all. All bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-27
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)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
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: STERLING JEWELERS, INC. (GA)

I have a loan with KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-27
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. (FL)

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my FICO with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to Capital One when determining me for a car loan. Getting a pre approval is kind of misleading as Capital One invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.
Consumer complaint received 2020-08-27
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)

I have summit my police report to all three reporting agency XXXX  and XXXX  have deleted the items I disputed but experian refuse to delete the same items, I have of my identity thef and my police report