davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC (SC)

I purchased a used car from JD Byrider and it was financed through thior finance company CNAC at 24 % interest. The car had mechanical problems from the very beginning. I took in into the JD Byrider in XXXX SC on XXXX/XXXX/21 and finally got it back on XXXX/XXXX/21. On XX/XX//21, the car stopped in the middle of a busy road and would not start. I got out and some people helped me push it to the median. It was pouring transmission and motor oil from underneath it. I could not get to work when I had no car and I tried to reason with XXXX and they hung up on me numerous times. I have a new job and have worked here less that a month and missed several hours today because I was stuck waiting on JD Byrider to come get my car with a wrecker. I also had to pay for the tow bill. I do not think I should be expected to keep making payments on a car that I can not drive to CNAC will not talk to me about it. They tell me to call the service department at my local JD Byrider. I would like someone to assist me in getting some financial relief from CNAC owned by JD Byrider. 

I recently traded my car in because the problems above were not fixed. They gave me my car back and said everything was completed. Not even a month later my car was broke down again. I called in for my payoff so I could trade the unit in and they said they would email it to me. I never received the email. I then got a preapproval for a new car and went to trade it in. At that point both the dealership and I attempted to get the pay off information. In the 6 times that I called to get the payoff I was hung up on, told that I could not receive my pay off. and that I had to trade the unit it on their lot. I was also told that it would take up to 72 hours to get my payoff. I then told them I was going to file a complaint and they hung up again. The last time I called they finally gave me the pay off. Now CNAC calls me EVERYDAY and tells me I am delinquent on my car loan that I no longer have with them and I have told them several times that I traded it in and they still continue to blow my phone up. They are now going to report my payment as passed due on my credit even though I no longer have the vehicle.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XXXX XXXX or XXXX / 2022 I called use bank and told them I left my wallet and phones at jewelry shop in the XXXX XXXX located in California I told the because I do not have my phone with me so when I`m trying to login to my online banking to check the activities It s asking for a pin for verifications which it send to my phone so I do not have my phone with me so I cant check my online ban king or I wont get notification if there are charges on my account. I called them during night time lets say between XXXX till XXXX because when I went bacK to get them the mall was closed. 
they customer service refuse to block or put a hold on my account and they told me if something happens you can dispute the transaction! 
there where almost about XXXX worth of transactions on my account I called them on Monday and dispute those transactions after 2 months calling them regarding my case status they were keep saying it s been under investigation! 
and when I called last time the supervisor called me back and told me next morning they will credit it back to my account. they did 2 wire transfers each about like XXXX from XXXX XXXX  and that was wired usually you get refunded by each transaction not like full amount in once so then I was okey there have not refunded me the XXXX remaining balance so I waited two days and while I was waiting they called me and told me after 3 months investigating all those transactions are correct and they told me now I Owen them for those transactions which it was about XXXX so they took almost more then XXXX from my account and they put XXXX  negative balance on my account and then blocked me from online banking so I lost almost XXXX over there and I had to wait 3 months for them to refund me the XXXX which they did XXXX and retook it right after 2 days and closed my business account then every month they called me and harassed me and Now I`m keep getting letters from Debt collections. because of their actions I lost my time lost money and after that I could not open up another bank account for my business .please help me out to resolve my issues all my calls are recorded with them so I`m at the right side I have not done anything wrong and they just used their power and did all those stuff to me.Please help me out if it s possible to save my money and account. 
thank you my name is XXXX XXXX and my company name was XXXX XXXX
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC (TX)

Thursday, XX/XX/XXXX - That morning I was unable to find my car. I called 911 thinking it was stolen. Come to find out it was repossessed by XXXX XXXX  ( EMVLP , LLC ) I called my State Farm Bank and they informed me they are now with XXXX XXXX. I was never made aware of this change and they stopped my auto payment. Therefore I did not realize I was missing payment as it was never brought to my attention. The loan servicing agent said they do not leave a message by phone as it is an automated message and the mail was sent to my previous home address. I paid the full amount owed ( {$2000.00} ) the same date I was made aware ( XX/XX/21 ). I find it strange they were able to find my car at my new address and not mail the warning to the same address. I called my State Farm agent the same day XXXX and they requested me send them bank statements of my autopayment as they found it strange that the autopayment would stop with no warning. 

I gathered all this new information on XXXX ( State Farm Bank transferred to XXXX XXXX  ). Why did the autopayment suddenly stop. I went through the protocol and wired {$2000.00} to final retrieve my car the next day. 

I called XXXX XXXX  today XX/XX/21 and asked if they could send me the autopayment paperwork so I can properly fill out. 

I have never missed a payment and only have {$6700.00} left to pay. The funds were there but XXXX XXXX  ( EMVLP , LLC ) / State Farm stopped the auto payment with zero warning to the customer.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

Loan ID : XXXX On XX/XX/2023 I requested a Buy now pay later loan from affirm in the amount of {$1700.00} to pay for a vacation rental through XXXXXXXX XXXX XXXX XXXX. On XX/XX/2023 XXXX charged {$890.00} in which affirm paid the other {$890.00} was due to be paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled those reservations in which XXXX refunded {$890.00} in which they charged which should have cancelled the loan minus interest owed on the loan. Affirm is still charging me the portion of the requested loan that was never paid out saying they paid it out, which is not true because the total original amount was {$1700.00} total for the rental. They have never paid out more than a merchant request. Its not a traditional loan and the money never comes to the borrower. I have provided receipts showing what XXXX charged and refunded as well as when the second payment to XXXX would have been due. Affirm is trying to make me pay my funds with interest in which they did not pay.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (AZ)

I contacted the company and asked them how they verified the debt and why did i not receive notice of this debt earlier. They also stated that the debt is {$360.00} which is not what is reported on my 3 bureau 's credit report. If that information is incorrect this information must be removed at once from my report. I was told to mail in a complaint.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I submitted a fraud claim with Wells Fargo after noticing two unauthorized transactions when reviewing my account online. 

First Transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} Second Transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00}. 

These were reported to Wells Fargo immediately. While they investigated the claim, they issued a new debit card and my pin was changed. 

They denied this claim and did not offer me any reimbursement for the amount that was withdrew, including the ATM fees. 

The debit card was in my possession the entire time, I have other transactions throughout these days using that card to prove this. I never visited the ATM that is listed with these charges. 

I filed a police report with XXXX Police Department, Report Number : XXXX. I provided this report number to Wells Fargo and did not receive a response to that or my follow up emails to XXXX. I also have not heard back from XXXX Police Department after receiving the police report on XX/XX/XXXXXXXX 

My hope is that between Wells Fargo, XXXX Police Department, and CFPB somebody can access the camera to this ATM to prove that this is not me. 

After XXXX years as a member of Wells Fargo XXXX I am very frustrated and disappointed with this experience, and after this money has been stolen from me and the Wells Fargo denial I closed my account.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX ( XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

My apartment lease expired and I was on a month to month rental at XXXX XXXX XXXX XXXX XXXX, FL . I was informed to give a two week notice before end of month of vacating on XX/XX/2021. I gave a formal notice on the weekend XXXX weeks before the end of the month. However, the office closed early on Saturday, XX/XX/2021. Therefore, I hand carried and delivered the written notice on Monday, XX/XX/2021 to the assistant manager and she acknowledged receipt. Three days later I received an email stating she made a mistake and required 15 days notice and requested I stay another month and pay the following months rent. I informed them my formal notice could not be changed. I gave a {$200.00} deposit and was informed {$53.00} was deducted for repairs leaving a balance of {$140.00} owed me. However, in addition they charged me {$630.00} for not giving proper notice and stating through a collection agency ( National Credit Systems , Inc. ) I owe an amount due of {$480.00}. I am disputing the notice charge and requesting my deposit balance of {$140.00}.
Consumer complaint received 2022-08-06
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: Duvera Billing Services, LLC (FL)

The company DUVERA Billing Services , LLC, ending account number : XXXX, reported in my credit report this account and I did a claim with XXXX because that is incorrect, This account is not mine, one year ago I spoke with them for a service loan for {$800.00} dollars, never {$3900.00}, when I saw this amount I called them and I did the claim, that is a fraud. 
I need this company remove this account of my credit report because is not mine.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX  and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment. 

Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan. 

They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount. 

I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

When I tried to make a large purchase online with my Citibank credit card that had been opened for 2 months, I set off a fraud alert. I completely understood why I set off the alert so I was prepared to jump through some hoops but the process was unnecessarily frustrating and invasive. My complaint is about the fraud verification process. I spoke to XXXX representatives on XXXX separate occasions ( XXXX on XX/XX/03 at XXXX XXXX & XXXX? at XXXX XXXX ) to try to confirm this attempted purchase was not fraud. I provided them with the verbal password I set with Citibank, then somehow they were unable to verify me by text even though I am prompted for a verification code by SMS every time I log into Citibank online. They both could not explain to me why I could not verify by text using my cell phone and then kept asking me for more and more information. I gave them my employer and work number but I was calling Citibank after my workplace was closed so they could not call my workplace to verify me. Then they asked me for the last XXXX digits of my non-Citibank checking account, which was still not good enough so they asked for the full number of my credit card from another bank, which completely contradicts what Citibank claims in their FAQs ( they claim their representatives would never ask for sensitive information like this and that it is a scam if they do ). I provided them this information because I needed to make the purchase but I had to prepare myself for possible fraud on my other credit card. It was not completely communicated to me why this was necessary, especially because it leaves my financial information vulnerable to abuse. I was told they needed this info for bank to bank verification, which just turned out to be the Citibank representative calling my other bank 's customer service line to verify I was their customer via XXXX conference. The call to my other bank kept dropping, likely because the representatives thought the Citibank representative was a fraudster as Citibank 's fraud verification is basically trying to force my other bank to reveal their customer 's sensitive information over the phone just to follow Citibank 's anti-fraud protocols. In the end, I was on the phone for close to a hour and on hold for over XXXX minutes without any satisfactory resolution because the representative could not successfully conference in an agent from my bank. I offered to verify myself at the physical Citibank branch with physical ID and was told I could not and had to do verification over the phone. I was then told that I had to wait XXXX business days to receive a letter to even be able to verify my account. It did not help that both representatives did not seem to know what to say whenever I asked the reason for why they are asking for this information. They would play XXXX or pretend not to hear me or misunderstand me. It was a very frustrating experience.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (AL)

Cash App scam. {$45.00} was allegedly accidentally sent to me so I sent it back to the sender. Then a dispute was filed with Cash App by the person who sent the {$45.00} and Cash App deducted the {$45.00} from my bank account which caused a {$30.00} overdraft charge, therefore I closed my Cash App Account on XX/XX/XXXX, thinking that would solve it. I also chatted with Cash App online and made them aware and was told by Cash App once its refunded, thats it. I let it go since I closed my Cash App account. Today, XX/XX/XXXX, I checked my bank account and another {$40.00} came out. I called Cash App and told them it was fraudulent. He said there hands were tied and the charge was disputed again by the same person. I told him I was more worried about this stopping as there XXXX be 50+ charges that he could dispute and I need to know how to stop this scam from continuing as my Cash App account was closed XX/XX/XXXX and Cash App charge is continuing. He told me that his hands were tied. Ive been to my credit union today, cancelled my debit card, and disputed the charges.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I am in XXXX  still, in deferment, so I do not have any payments on my student loan due until XX/XX/XXXX. Nelnet is aware of my deferment status and it shows on my account with them. I have records showing I do not need to make any payments until XX/XX/XXXX. 
On the bank account I used for auto payment with Nelnet, there is a statement for an NSF fee on XX/XX/XXXX. It says withdrawal for {$500.00}, Dept of Education. 
There is absolutely no reason AT ALL that I would need to pay {$500.00} for my loans or to the Department of Education for any other reason. 
I would have been charged {$500.00} just because I enabled autopay with Nelnet, and there is not even a due payment showing on my account. Now I need to dispute the fee I received for not having the money to make a payment I did not have to pay! 
The autopay feature gives a discount on the student loan payments, and taking out money irresponsibly is predatory to those who need that discount.