davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (MD)

This is a complaint against PNC Bank for their abuse of authority, delayed handling of the transaction to the customer 's detriment, and poor communication regarding a consumer/vehicle loan. I believe PNC Bank abused their authority by REJECTING a loan payoff check submitted to them from the XXXX XXXX XXXX XXXX who purchased the vehicle from me. PNC returned the payoff check ( {$39000.00} ) to the XXXX XXXX two separate times without just cause, without explanation, WITHOUT INITIATING ANY REASONABLE REMEDIES, and without informing the customer. The vehicle was sold on XX/XX/2021. The XXXX XXXX contacted PNC for a payoff on XX/XX/2021. The dealership mailed the payoff check to PNC which they received on XX/XX/2021. We learned later that the payoff amount was apparently short by {$270.00} to close out the loan. Instead of accepting the initial check from XXXX and requesting the remaining balance due ( probably for Per Diem or Late Fees ) from XXXX or from me, they returned the check!!! I wasn't even made aware. I learned about this only after I went to PNC on XX/XX/2021 to talk to XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX. There was back and forth on the phone between XXXX XXXX, PNC Loan Service Center, and me on, in short, whose fault it was on the incorrect amount of the payoff? Was it PNC 's fault or was it the Dealership 's fault on the correct amount of the payoff? I was charged daily interest, per diem, late fees, and possibly negative credit reporting from XX/XX/2021 to XX/XX/2021. Was this the customer 's fault? I also want to report two PNC employees who were not helpful during this process. One is XXXX XXXX from PNC Bank Retail Support who initially reached out by email on XX/XX/2021 from my consumer complaint, however she did not follow up after that. She promised to " research '' the phone records between PNC Bank and XXXX XXXX XXXX to resolve whose fault it was on the payoff amount, but I received no follow up on the results. She did not return my phone calls or reply to any of my email messages or texts. She went silent. The other PNC employee is XXXX ( don't have last name ) who repeatedly called me to harass me about making the monthly payments even after I informed him that the vehicle was sold and we are working on the payoff. Through some misery and several hassles, PNC Bank finally accepted a new payoff amount of {$39000.00} as of XX/XX/2021.
Consumer complaint received 2020-01-23
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. (TN)

I have close to 30 inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to 30 something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
Consumer complaint received 2022-06-14
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: Exeter Finance, LLC. (CA)

This Auto loan company showed up on my report and I asked both XXXX  and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
Consumer complaint received 2023-01-30
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: CITIBANK, N.A. (FL)

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
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: SYNCHRONY FINANCIAL (CA)

This is a complaint regarding Lowes / Synchrony Bank store card. I have been trying to pay off my debts and resolve inaccuracies on my credit report in order to be able to gain meaningful employment and to further my studies in the era of pandemic. I am unable to qualify for low interest student loan until this derogatory is removed. 1. Lowes/Synchrony Bank sold my account to XXXX debt collector. 2. I paid the settlement amount 3. My understanding is that Lowes / Synchrony Bank would remove the derogatory record to reflect that I paid less than the full amount. 4. I have disputed the inaccuracy to Lowes / Synchrony Bank via XXXX- twice. 5. Lowes / Synchrony Bank still has not updated my file. In fact, today, my score went down XXXX point.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-12
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: WELLS FARGO & COMPANY (CA)

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4  months now but nothing was helpful. Here is the situation : I opened my credit card at Wells Fargo in XXXX and after 6 months of opening it I started to see my XXXX  score ( which was reported from XXXX ) on my Wells Fargo profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my Wells Fargo profile. After obtaining my ssn I also opened XXXX, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my wells Fargo credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX doesnt even show my credit score and says that I dont have one however I see my score on my Wells Fargo profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling Wells Fargo to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with Wells Fargo and theres nothing they can do.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Hi, This complaint is a continuation of the previous complaint XXXX, against Coinbase. 

The account was made available to me for just a few days and was locked again. Since I opened the account with coinbase, earlier this year, it has been under review most of the time with no reason provided at all. 

I have opened about 20 support tickets and most of them were closed within a week ( may be automated ) without resolving the issue. 

I will continue to complain here until problem is fixed permanently and provide a valid reason why Account remains under review.
Consumer complaint received 2022-04-01
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX, I contacted Barclays to notify them of an unauthorized transaction that reflected on my credit card statement. I spoke with XXXX in Customer Service at XXXX PM who stated I needed to be transferred to the Security Department and I was placed on hold for almost an hour. I was unable to continue to hold so I called again on XX/XX/XXXX and spoke to XXXX in Customer Service at XXXX PM who stated that a fraud claim was opened the previous day and that a credit will take 7-10 business days to apply to my account. I then called back on XX/XX/XXXX at XXXX AM and spoke with XXXX in the Fraud Department who stated that he would need to transfer me to Fraud Investigations. At XXXX AM I spoke with Ina in Fraud Investigations who stated that I would need to be transferred to Customer Service. I was transferred to XXXX in Customer Care at XXXX AM who stated that she needed to open a fraud case because it was never opened. She stated that she would prioritize the claim and provided me with Case Number : XXXX. She advised me to call back if I do not hear from them. On XX/XX/XXXX I still had not heard from anyone, so I contacted Customer Care again and spoke with XXXX at XXXX PM who transferred me to Fraud. XXXX in Customer Security took my call at XXXX PM and stated that he needed to research this case. He informed me that the account was closed on XX/XX/XXXX and that he can not reopen the account. I explained that I did not want to reopen the account I was inquiring about my fraud claim. He advised me that he couldnt find my claim. He provided me with Case Number : XXXX and when I asked to speak to a supervisor, he refused to transfer me to one. The call then disconnected. I called back on XX/XX/XXXX and spoke with XXXX in Fraud Investigations who stated that she can not see any credit card statements from before XXXX of XXXX. She stated that it can take up to 90 days for the claim and that there is a scheduled call back from a manager within 10-15 days. Since then, I have heard nothing from Barclays. I feel that I am being treated unfairly by Barclays. I feel that Barclays is not providing me with an investigation into my fraud claim.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I leased a new XXXX XXXX in XXXX of XXXX. With my lease I also purchased a Dent and Wheel protection plan through XXXX. My original monthly lease amount was going to be {$120.00}, but the protection plan fee was added to my lease, so my monthly lease payment became {$150.00}. A few months later, I found out that I was originally sold the wrong plan ( due to the type of wheel ). XXXX resolved the issue by cancelling the plan and giving me a {$500.00} refund. Meaning, I kept paying the XXXX till the end of the lease. I accepted the {$500.00} settlement. So far so good. 
The problems started afterwards. At the end of the lease, in XXXX of XXXX, I requested an extension on the lease from Kia Finance, and I received it. At that time, I was told by a Kia Finance agent on the phone, that due to their computer system, they can not change my payment to {$120.00}, and I would have to keep pyaing the XXXX, eventhough I did not have the Dent and Wheel protection plan anymore. They told me on two separate occasions, by two different agents, that I would get a refund of {$180.00} for the overpayment at the end of the 6 months extension period. One of these agent 's name was XXXX. 
XXXX months of {$30.00} overpayment results in about {$180.00}, Therefore, I kept paying {$150.00} monthly for 6 months, and requested the {$180.00} refund at the end of the lease. I called several times and talked with different people about my refund. My call was always transferred from ane person to the next, I was put on hold for long periods of time, such as XXXX minutes, but no one seemed to know who was responsible for refunds. Eventually, I spoke with XXXX, back in XXXX, who told me that I would not get a refund. When I asked why, she put me on hold for a long time, for doing research, and eventually she coud n't give an explanation. Just said that my account was not due for a refund. I asked to speak with a supervisor. She said she was the superviror and that her supervisor was not available. I also mentioned that I wanted to write to Customer Service. She told me that even if I contacted Customer Service by writing, the letter would come to her and she would deny my request.

Kia Finance Attn : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Even though, this is about a {$180.00} refund, I feel that I received an unfair treatment from Kia Finance . Also, the same problem could happen to someone else, who might lease an expensive car, therefore lose more money in the process, than I did.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 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.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/2019, logged into my online account and noticed my dispute amount had been re-applied to my account. I went to my documents online to see what merchant 's response to my dispute was, and was unable to download the documents because they are provided in an unsupported format. I chatted with credit card company, Citibank, asking that these documents be sent to me either via mail or email. Representative advised they would be emailed within 24-48 hours. Had not received by this time, so again chatted on XX/XX/2019, inquiring and informing docs not yet received. Representative said wait longer. When inquiring about the XX/XX/XXXX deadline for me to submit rebuttal, rep was dismissive and asked me to call.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened up the 5/3 Essential Checking on XX/XX/2019 under their {$500.00} opening promotion, {$250.00} for " Reach Individual Account Balance of {$500.00} within 45 days. Maintain Minimum Balance of {$500.00} for 60 days. ", and another {$250.00} for " Reach Total Deposit Account Balance of {$15000.00} within 45 days. Maintain Minimum Balance of {$15000.00} for 90 days. '' I've completed the requirements for both and have only received {$190.00} in payout. They paid out the first {$250.00} and withheld {$60.00} for tax purposes. When inquired, they stated I never filled out a form in-branch, but I opened up my account and was never sent such form. The other {$250.00} simply never posted. Despite multiple secured message inquiries saying that it would post, they never did.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021 my car was repossessed from my residence without proper notification. According to the bank we are late XXXX months on our payment. I know for a fact that I paid for XXXX and half of XXXX. I did not receive any letters in the mail nor did I receive any phone calls or voicemails.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

EQUIFAX has used my information improperly and it has caused me harm. EQUIFAX has reported a negative account on my consumer report from XXXX XXXX XXXX XXXX XXXX of the amount of {$1800.00}. This is a violation of 15 USC 1681c ( a ) ( 5 ), and therefore should be deleted immediately. I've sent a letter to EQUIFAX and they've responded stated that my dispute was verified. I've called and spoke to an EQUIFAX agent and the agent told me that EQUIFAX does not uphold to the Fair Credit Reporting Act when I discussed this matter with over the phone.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX and XXXX XXXX, two large transactions from unknown origins to me have been posted to my business account. When I contacted Chase, I was instructed to file claims - which I promptly did. Even though I explained to them that some of the trials transactions will give rise to someone withdrawing monies from the account, but the bank did not stop that from happening. Now, that monies in the amount of {$19000.00} have been UNAUTHORIZEDLY taken from the account, the bank refuses to reverse these transactions. In fact, I walked into a branch yesterday to try to resolve the issue, I was kicked out and told to never walk into that branch anymore.