davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (NY)

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (RI)

I am filing a dispute against serve because my card was stolen and fraudulent transactions were made without my permission or knowledge. I was incarcerated when the fraudulent transactions were made. I contacted Serve several times. I filed the dispute with them on XX/XX/2022. I was incarcerated from XX/XX/2022 until XX/XX/2022. I called them on XX/XX/2022 to report the Transactions. The rep told me that they will give me a Privisional Credit by the XXXX business day. The XXXX business day was on XX/XX/2022. I filled out the Fraud Declaration form that they required & Uploaded it to my account. But yet they have still yet provided me with any information regarding my dispute, nor have they provided me with a Privisional Credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reported this fraudulent information to Trans union that was put on my credit report due to a security breach and Identity theft. I have filed a police report, a FTC report and a report on XXXX online. I submitted this information to Trans union asking them to remove this from my credit report. The removed it and a week later it was placed back on my report.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

Reference earlier complaint # XXXX. 

On XX/XX/2020, at approximately XXXXXXXX CT, I received a phone call from a Restricted number with a Rep. named XXXX on the phone from Amex. She offered to immediately transfer me to an American based supervisor. 

A unnamed " supervisor '' from N. or S. Carolina responded. At this point she attempted to ascertain the problem. I advised of my earlier interaction with the mobile app and customer service. I also advised her of the CFPB complaint. 

She then proceeded to blame me choosing the wrong card. I advised the app did not provide the option nor was I ever asked. She then asked me what date I did the Credit Limit increase. I informed her that was the point of me contacting Amex was to find that out ... .. 

During the next ~13mins of the call, I was blamed multiple times for not asking the right question or giving certain specifics. I advised I dont work for Amex and therefor I dont know what they require unless they ask. Amex never asked any clarifying questions.This occurred several times during the call. 

At this point, I feel the purpose of the call was simply to harass and belittle me. I then requested the date of the Credit Limit increase in writing. The request was declined. 

I advised I would file another CFPB complaint and the Supervisor then tried to tell me how CFPB was going to respond. I simply said she can not speak on behalf of CFPB and she ignored my statement.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (CA)

Tesla offered {$3700.00} referral credit and XXXX miles of supercharging for delivery of vehicle in XXXX to encourage buyers who placed holds on their delivery until XXXX to take advantage of the {$7500.00} XXXX tax credit. Due to this incentive I removed the hold from my order and I took delivery of my vehicle on XX/XX/XXXX. On XX/XX/XXXX XXXX increased the amount to {$7500.00}, double what was initially offered to take delivery between XXXX XXXX XXXX. How is that fair? 4 days later to increase the amount of referral credit. I would have waited to take delivery until the following Saturday. I reached out to the customer service in which I was communicating with throughout the purchase process, and was unable to reach a settlement and was told I was given the best offer at the time. They mislead me to believe that I was getting the best deal in exchange for waiting till XXXX to take advantage of the full XXXX tax credit of {$7500.00}.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2021, I submitted a dispute to XXXX, disputing a debt in the amount if {$610.00} that is being reported by Consumer Adjustment Company. On XX/XX/2021 XXXX stated that the investigation was complete, and that the debt was validated. I sent a certified letter on XX/XX/2021 to both XXXX, and to Consumer Adjustment Company requesting debt validation. Consumer Adjustment Company never replied to my letter. On XX/XX/2021, XXXX stated that the second investigation was completed, and gave the EXACT same response, that the debt has been validated, but failed to provide me with information on how they validated the debt. They didnt because they did not validate it to begin with because the debt is NOT mine. I called XXXX about receiving the same results and spoke with a representative that told me that they can try to validated again. That makes no sense to me when they were supposed to be validating it after the first request. This is consistently being reported and negatively impacting my credit, and yet neither company can show proof that this belongs to me. That is because it doesnt.
Consumer complaint received 2021-05-01
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. (TN)

I submitted a dispute to Experian about their reporting of an incorrect balance on a XXXX XXXX Credit Card. There is no balance and the account is paid in full. I had previously summitted a dispute about this same credit card reporting a late payment. Because I had submitted an earlier dispute, Experian refuses to let me not submit the additional dispute and continues to report incorrect information about the balance of this card thereby causing an incorrection calculation of my credit score.
Consumer complaint received 2020-05-17
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: CITIBANK, N.A. (VA)

I tried to redeem my Thank You points online but my account was locked. I tried to call the Service center on XX/XX/2020 during the time they said they are open, but was told on the phone the office is closed. I called again and was put on hold for over 2 hours with no responses ( saying there is a long wait ). I tried to chat with folks at Citi online but they refer me to the same number I called. I then tried to text to XXXX but was routed back to online chat where the agent can only give me a phone number that I was not able to speak to anyone who can unlock my Thank You account. I then tried to call the automated line to redeem my points. But every time I was prompted to say where I want to redeem from, they can't recognize my voice for XXXX 's.
Consumer complaint received 2022-12-29
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. (MD)

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

Account name : # 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 XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 2022-12-29
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 — Was not notified of investigation status or results
Company: First Credit Services Inc. (FL)

After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my XXXX credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my XXXX credit report without notification to me beforehand.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I use the deposit atm at Bank of America atm ( XXXX XXXX XXXX NY XXXX the atm ID is XXXX ) around XXXX XXXX. in XXXX XX/XX/2022 and all my money I put in there all is bills XXXX $ around total XXXX $ Is gone ATM showing counting my money and then show up machines errors so I cant get my money back anyway can you help me for this problem anyway can I get my money back I have video records while I use deposit and atm show counting and error that is a lot money that I need to use survivor here so please help me Regard XXXX XXXX
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I learn my Citibank credit card is 2 months behind because, as the first rep I spoke to that morning explained, " the auto pay was disabled by Citi, the system does this after a certain amount of time and we don't know why this is ''. After speaking with 2 other customer service representatives as well as a collection representative over a 45 minute period, no representative would reverse the fraudulent late fees ( {$40.00} XX/XX/XXXX, {$29.00} XX/XX/XXXX ), even after I explained the first representative admitted the bank deactivated the auto pay I set up. 

I'm employed and not having financial issues. I even made an immediate payment before calling Citi and reactivated auto pay. 

On XX/XX/XXXX I called the customer service team again and the first representative refused to reverse the fraudulent last fees, as well as the collection representative I was transferred to. I was then transferred to the fraud department and detailed the issue, and was transferred to a representative that was suppose to resolve the issue, but this rep pretended there was a bad connection and hung up.
Consumer complaint received 2020-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (NY)

on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their " insurance '' that how he explained me my monthly budget for the car payment supposed to be {$500.00} per month, and with their insurance protection will cost additional {$220.00} " subject to change if I decided not to keep their insurance. 

40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days. 

I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened. 

ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {$150.00} in the service center, as per today 's the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that " INSURANCE '' or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {$3000.00} and increased my monthly payment to {$710.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that's how i realized that they lied to me.
Consumer complaint received 2020-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CT)

I began a financing plan on XX/XX/2020 with American First Finance. The total cash price was {$2700.00}. I was told at the time of signing that they would take bi-weekly payments to pay this off. To date, they have taken a little over {$1000.00} from my bank account on auto-pay. I called today because I noticed the pay off balance jumped up to {$2200.00}. That couldn't be right since I only should about {$1700.00}. Apparently, because I did not pay off the balance within 101 days, I did not make the early pay off date ( XX/XX/2020 ) and therefore they charged an exorbitant amount of fees- which only increase daily. 

I was told at the time that I was signing up that they would take the correct amount out of my bank account to pay off the balance in three months. Apparently, they default to taking the 'minimum amount ' so you don't pay it off in time and it is your responsibility to override that monthly by paying more so it is paid off in time. There is nowhere on the contract to indicate you would like to override the default to have it paid off by the 101 days- as I indicated at the time of purchase and was under the impression was in effect. 

The {$2700.00} is the cash price. If I were to have contacted them on XX/XX/2020 then I could have paid off the loan at XXXX- XXXX = XXXX. However, since it is past the 101 days, if I wanted to pay it all off it is now the cash price - 0.5* ( what I have already paid ). Meaning, if I were to pay it off today I would owe : {$2700.00} - XXXX = {$2200.00}. That is {$500.00} interest for 16 days. The maximum legal interest is 12 % in my state. What is potentially illegal about this is that they categorize the agreement as a 'rent to own ' agreement, but report the balance to the credit bureaus a loan. Thus, if it is a loan, they should be subject to state usury laws. 

They also report the loan to the credit bureaus inaccurately- stating I have paid {$2800.00} of a {$5800.00} dollar loan. This {$5800.00} number comes from the cost of rental ( {$3800.00} ) + ( {$2700.00} ) cash value ... I have no idea where that {$2800.00} number comes from.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (NY)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to update me from being listed as XXXX, XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXXTransunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX PROPERTY LISTINGS Financial/Identity/Documents - Bank XXXX Guided me to use credit card to buy gift cards. I sent photo via phone to transfer cash Stolen XXXX XXXX ITEM QUANTITY BRAND CARD / ACCT NO COLOR LOSS REPAIR COST DESCRIPTION MODEL OWNER APPLIED NO $ $ INCIDENT INFORMATION XXXX XXXX XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED *** XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MN REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE XXXX XXXX APPROVED BY : LOCATION TYPE Other/Unknown THEFT TYPE Use a trick or lie to get you METHOD OF ENTRY PT OF ENTRY ENTRY LOC PERSON LISTINGS Victim XXXX XXXX *** *** * XXXXXXXX XXXX  1 TYPE LAST NAME FIRST NAME DOB RACE SEX LICENSE/ID # STATE SSN RESIDENT AGE EMAIL CONTACT PHONE CELL PHONE XXXX MIDDLE NAME RESIDENCE ADDRESS *** EMPLOYER NAME WORK PHONE BUSINESS ADDRESS *** I was notified by email that more than {$800.00} was billed to a XXXX account, which I do not own or use. Called the XXXX number XXXX, putting me in contact with scammer. Always by phone only, he guided me to check my computer in a way that gave him access to it as well. He then faked transferring cash from my money market acct., to repay when I bought two equal amounts of {$500.00} with my XXXX XXXX. I purchased 2, gave him back codes, which gave him the amount. Then no one would sell me more gift cards, so he asked me to withdeaw cash, which he said he would transfer back to my bank. There I stopped cooperating, but assume he would have changed further cash into bitcoin, etc. for his use. May this help others if scammer is located. 
Phone # 's used : XXXX ( Michigan ) used 15 times ; XXXX ( Michigan ) used10+ times ; XXXX used 4 times. 
I am willing to prosecute. 
- Is video footage available? = [ No ]
Consumer complaint received 2022-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft/fraud and was able to contact/speak to representatives from all credit reporting agencies except Experians. I wrote them a letter with pictures of driver license and other documents proving who I am telling them I use to be able to login and now using ssan, birthdate, mailing address and answering all theirs questions it tell me something went wrong and to call their number only to be put a loop without being able to speak to someone. This been going on for 8 months and frustrated. Look like someone using my info and I locked out. Their online self help do not work when their issues with online verification cant resolve they need to have a live person to speak to.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

My original mortgage was with XXXX and was sold to Shellpoint. I was unemployed due to a wrongful termination from work. I was granted a forbearance by XXXX in XX/XX/XXXX. I was to start work XX/XX/XXXX but Covid-19 prevented that. With Shellpoint I asked for and was granted a Covid forbearance. Now that my forbearance is over I was told that if I paid the 6 payments I missed before the Covid forbearance then and only then can I apply for a modification or deferment of the missed payments during Covid. I can never get in touch with my representative except through email. She has been pressuring me for over {$10000.00} but never explained clarity on the situation. Now after speaking to others at Shellpoint and NEVER a supervisor even though I have asked for one, I am being told that even if I make the 6 back payments I will not be granted a deferment or modification because I was 30 days past due on my mortgage before the Covid forbearance started. I am just being told this information. I am told the only thing i can do is to sell my house before they foreclose on me. I am working now and just want to start making my payments and keep my house.