davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (TX)

I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (NJ)

There is a debt collection of {$23000.00} posted on my credit report. This collection was reported by Hunter Warfield, LCC and they reported that XXXX XXXX  was the original debt collector. 
XXXX XXXX and XXXX at XXXX are two different apartment complex. I lived at XXXX at XXXX owned by XXXX XXXX  and not at XXXX XXXX owned by XXXX XXXX. 
I believe I was falsely accused of this debt and I am not liable for this debt. I live with XXXX XXXX  XXXX for XXXX years and my rent, late payments and other charges never added up to XXXX, XXXX. I would like this debt collection to be deleted from my credit report.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

My account with XXXX ( both savings and checking have been suddenly restricted on XX/XX/XXXX. I called the bank multiple times on XX/XX/XXXX to ask what is causing the restriction and how long the investigation will take, but no one was helpful in giving me detailed reasons and clear timeline. They just asked me to wait and they don't know how long their internal team will take to investigate. They asked me if I recognize any fraudulent transactions within my account, I confirmed that all the transactions are recognized by me. all my transactions are legit as well, it was between my own ( internal and external ) accounts with me as the owner ( treasury direct, XXXXXXXX XXXX XXXXXXXX and etc. ). 

As of XX/XX/XXXX, my account is still under restriction. I called again, and they are telling me the same thing that they don't know why and their internal team is still pending reviewing and asked me to wait ( but they don't know exactly how long the review will take. 

I have near {$20000.00} in the XXXX saving account, now that they restricted my account resulting me not able to access the fund. I need the money to pay for bills/mortgage. This is very frustrating situation.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I been trying to contact the bank by phone to correct my mailing address on system however has not been possible due to the customer service representatives do not find my account with my social security number. The account is closed but is still being reported to the credit bureaus with inaccurate personal information that must be corrected. Also, the account name is XXXXOLDNAVYDC but this bank does not any information related to the account due to a " transfer ''. Account. # : XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (MO)

I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name POSSIBLE FINANCIAL INC. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (TN)

My name is XXXX XXXX XXXX XXXX XXXX XXXX 
America s carmart has been still had truck in XXXX. We have not seen in over year. He missed couple payments because his brakes was going out a week after they put in shop. He almost wrecked. He called them they would not do anything about it. Plus while at XXXX XXXX XXXX his brake boost was stolen. They did not put back. They mechanic hands him a much cheaper one because he refused to put in. We had to sign nda and was told it would not be on our credit since they had refuse to fix at least four times. We tried calling. XXXX didn't care. My husband almost wrecked because of it. I thought it was illegal to sell a lemon? Also we was told it was auction off. We never received anything from them about anything. Because after nda we was told it would not go on our credit. Now I am wondering what I am supposed to do? Someone really needs to investigate a them. Cause next time someone might die for their carelessness. I hope you listen and can help. They have did nothing but lie. They have had truck over year. I don't understand why they are trying to say we had this year.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I applied for a loan modification in XX/XX/XXXXwhich was denied and I kept trying for the loan modification until XX/XX/XXXXthey made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the Bank of America did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX Verve XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX customer service/billing On the morning of XX/XX/year>, I reserved a rental car through XXXX XXXX XXXX XXXX the XXXX XXXX XXXX Before the scheduled pickup, I inquired why my credit card was needed, but the clerk diverted the conversation, stating a {$250.00} hold would be placed after swiping my card. the card was then maxed out. This didn't allow me to decline. I immediately called all parties to dispute charge and cancel the rental. I canceled through XXXX ( Confirmation # XXXX ) and XXXX ( # XXXX ), but later found out the XXXX rep misled me with the pickup confirmation number instead. This is all despite paying Verve a total of XXXX dollars on the XXXX of XXXX. I have continually delt with this type of available balance stress despite countless of early and on time payments made to this company. 

Verve customer service informed me the {$260.00} charge was still pending. I felt coerced into the charge and had already spent {$490.00} on XX/XX/XXXX, leading to a negative balance despite timely payments. When inquiring about the arbitration clause on XX/XX/XXXX, I received no information. 

After pleasing with both XXXX, Verve and XXXX reps to clarify whether I XXXX being charged or money was being returned according to there interface, an awkward recorded message could be heard and I couldnt reach the billing department to explain my cancellation issue and receive a clear answer on whether or not I was being charged. An Audio recording stated " XXXX '' Then asked " is this XXXX ''
Consumer complaint received 2018-12-09
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: CORELOGIC INC (NJ)

There are two issues regarding credit report inquiries creating " hard inquiries '' on my credit report from XXXX, XXXX and XXXX.

1. XXXX : I did not request or authorize this company to acquire or may an inquiry on my credit report. At time of inquiry already had an account with XXXX and was discussing options to adjust account features. At no time did i give authorization to run a report. 

2. Multiple inquires within 30days of applying for mortgage loan.

I applied for a Mortgage loan in XX/XX/XXXX with mortgage broker. The loan was shopped around with several lenders checking credit report. 
XXXX, XXXX, PA XXXX on XX/XX/2018 and XXXX XXXX, XXXX, IL XXXX on XX/XX/2018 Then. 
XXXX XXXX, XXXX XXXX XX/XX/2018 Credco, XXXX XXXX XXXX XXXX XX/XX/2018 This created 5 Hard Inquiries on report which remains on report to date. XXXX   shouldnt be on report at all. The other four should have incurred only 2 at best. 

I've tried to dispute these Hard Inquires with two of the three leading credit reporting services to no avail. 


Your assist in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (GA)

Applied for a mortgage with a specific home lending advisor and the branch manager kept routing my application to a home lending advisor I do not want to work with. They steer clients online and walk-in branch customers only to benefit their monthly and quarterly bonus figures. Highly questionable behavior and activity going on at this bank. As a customer, we should have the choice of working with who we want to and the branch managers and employees here seem to only act in the interest of their paycheck.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

My question is this : no credit card company closed my account because I didn't pay the full balance but kept paying the minimum. I have argued the letter sent on XX/XX/year> regarding closing my XXXX XXXX XXXX XXXX. They repeatedly asked me to apply for a new card. After I followed their suggestion, they denied my application. Their action is to harm XXXX customers, and also harm XXXX 's business. I called them but over the phone, a representative shouted at me ; she didn't let me finish my words. They have no respect for their customer. Whenever I talked to them, they tried to avoid talking about their letter on XX/XX/year>, and tried to talk about something else, like fees or interests, which is not what I am arguing. They are shrewd and dishonest. In short, I couldn't see their professional ethics when dealing with customers. There is no honesty and fairness on their side. So, I need CFPB to find the third party and let the third party reach a determination. 

As said before, I won't pay the balance as long as this matter is under dispute. But I will assume to pay the balance after this matter is solved.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name and my birthdate is incorrect. My name isXXXX XXXX XXXX not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX or XXXX XXXX all this is wrong! My birthday is XX/XX/XXXX not XX/XX/XXXX th XXXX This needs to be corrected
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I have requested this company stop reporting on my credit report and to fix the and report the correct balance American express ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in Florida which is unlawful and not in the accuracy The account involved is in litigation. American Express keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

Received a notification from XXXX XXXX XXXX on my recent hard inquiry. I recently opened a XXXX  XXXX XXXX XXXX XXXX which I thought this was referring to. I checked the report and it showed there was another hard inquiry for XXXX ( The Home Depot XXXX CitiBank XXXX XXXX I've since frozen my credit across the 3 bureaus and am taking the steps to report it everywhere I can.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is an effort to get an entry on my credit report removed, because it is not accurately reporting. The public record company on my credit report was asked to remove their entry off my credit report, and there reply was, they do not report to the credit bureaus. See attached response letter from US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division. 

I forwarded a copy of this response from the US Bankruptcy Court, XXXX XXXX of Texas, XXXX Division, and all three credit bureaus still refuse to remove the entry from my credit report. They received this information from XXXX, which is not a credit bureau, and considered a 3rd party that sells people personal information to the credit bureaus. The US Bankruptcy Court,  XXXX XXXX of Texas, XXXX Division where my case is, do not report to 3rd party information brokers or credit bureaus. That makes the information being reported inaccurate, and I am asking that it be removed immediately. I have sent correspondence to all credit bureaus, and 3rd party information brokers that have any of my information for sell to put a credit freeze on my file.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

XXXX Consumer Financial Protection Bureau Subject : Complaint Against JPMCB and XXXX Dear CFPB Team, I am writing to formally file a complaint against JPMorgan Chase Bank ( JPMCB ) and XXXX regarding the ongoing reporting of a credit card account that I believe should no longer impact my creditworthiness. 

The account in question is XXXX XXXX XXXX, and according to the law, it should have already been removed from my credit report due to the length of time it has been active. However, JPMCB continues to report this account to the credit bureaus, which unfairly affects my credit score and financial standing. 

I kindly request that you investigate this matter to ensure compliance with credit reporting laws and protect my rights as a consumer. 

Thank you for your attention to this important issue. 

Sincerely,
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I purchased a vehicle online from XXXX XXXX XXXX on XX/XX/year> and the dealership titled the vehicle in Florida and I live in Georgia. I contacted the dealership and they said that it was Florida law to do that. I immediately contacted Florida DMV and was told that it is the responsibility of the LIEN holder to submit for the transfer. I contacted Santander consumer usa title department on XX/XX/year> and was told that the process takes 2-3 weeks. The temporary registration expired on XX/XX/year> and I wasn't able to legally drive the vehicle. My local tag office issued me a one time temporary registration on XX/XX/year> that expired on XX/XX/year> and Santander Consumer USA has still not transferred the title. I was informed by Santander Consumer USA 's XXXX department a couple of weeks ago that I should contact my State Attorney Generals Office for additional assistance and I did. As of this date the registration is expired and Santander Consumer USA has not transferred the title to Georgia from Florida. Any assistance from your office would be greatly appreciated.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (CA)

I spot with the very rude company about a letter I have got in the mail about an American Express debt amount at the time with American Express the amount was {$2000.00} that is the amount I owe each time I would call American express would not want to take payment. And stated to call this law firm out of XXXX  where I live in the state of XXXX, This company has harassed me reach out to sue me to garnish my wages when I would call I tried to resolve the issue with an pay the amount they gave me attitude stated oh you can try this is what it is very rude as if they did not want to fix the situation but keep it going. I want them to be removed, and I would like to fix the situation with American Express this is fraud and threats by a collection agency. The account will be involved in litigation. I do not owe the amount that is shown of {$3800.00}, and they told me they will increase the amount which is illigal I tried to fix this account with this fraudlant company now i do wish for them to leave me alone. I have sent a cease-and-desist letter also, The Fair Debt Collection Practices Act ( FDCPA ) sets rules on how and when debt collectors can contact you they have broke these rules, my rights are being broken under the FDCPA and inaccuracies
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I got scammed by a Merchant on cash app named XXXX XXXX XXXX XXXXXXXX Which is in another country and a clothing store. They were supposed to be a used car part store. They took my money of the amount of {$490.00}. I never received the goods and I called the people to refund and no help from cash app at all. I disputed it 3 times with cash app and they denied all 3 times even after evidence I gave them of the emails and calls. Cash app refused to help me get my money back from these scammers. Cash sent me a denial saying that the merchant has fulfilled their obligation without them taking a look into everything. They basically told to accept my lost of my money and move on. They stressing me out and I dont know what to do on how to get my money back. I want to sue them for taking me through a lot of trouble. Im stressed out trying to get my money back and theyre not helping me at all