davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (PA)

I have been paying {$360.00} a month on my car loan ( 36 months ) that was originally {$14000.00} and at this point in time they say I still owe {$11000.00}. I understand loans, though what I can not understand that I have paid more than {$13000.00} on the loan and the balance does not make sense and the loan company refuses to explain why, just tells me to find another loan if I am not satisfied. I can not due to the debt to income ratio at this point. I tried to refinance the car through another bank and due to the age of the car and my credit I can not. I can not trade it in because the value of the car is way below the loan balance that should not be as high as it is. Westlake Financial is a horrible, shady company that allows their robo call system to call at all hours of the day and night, holidays, weekends, etc. Currently the account shows a payment of only {$21.00} when I paid {$380.00} on the XXXX of XXXX. Supposedly I owe {$860.00} when my payment is current. This company takes advantage of people who need credit for a car!!!
Consumer complaint received 2023-10-17
Product: Credit 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. (OH)

I was checking prices of the hotel room through XXXX website and XXXX. The price that XXXX ( rerouted to XXXX ) was showing was slightly less than that of XXXX so I thought I would book directly through them. On the website I needed to provide my billing information prior to seeing what the final cost with taxes and fees. After providing my credit card number the final cost appeared on my screen of {$980.00} and it included over {$300.00} in additional fees from what they showed on their website and from the cost on XXXX. I had expected additional fees but that is excessive. I immediately stopped the transaction, never clicking on the PAY button on the booking site and immediately logged out. Within moments I received an alert that a charge of {$980.00} had been made to my credit card. I immediately reported it as a fraudulent charge to Citi Bank Credit Card and then I immediately called XXXX customer service and explained that I had not completed the booking process so did not intend to accept these charges. No more than 2 minutes had passed since I exited their website. The customer service representative offered to give me a slight discount but no where near the additional {$300.00} + charge that appeared from the original price. After a very lengthly conversation with the representative, and receiving no satisfaction I informed her that I would be disputing it with my credit card company. Their records will show that the room was not used. 
I sent a dispute claim to Visa. They contacted XXXX who denied the dispute so Visa refused to cancel the charges. I contacted Visa a second time informing them that it was a fraudulent charge on my card. They again contacted XXXX who again refused a refund. 
After researching XXXX I am confident that this is not a disputed claim. This is fraud. XXXX is claiming that since they have a no refund policy they will not cancel the transaction. I never gave permission for the charge. I only proceeded far enough in the transaction to see the final price. 
Upon researching XXXX online I see that this type of fraudulent behavior is not atypical for the company with numerous other customers experiencing similar issues. There is also a class action lawsuit with similar fraudulent behavior as what I experienced. XXXX XXXX XXXX  Even though I have shared this information about the fraudulent practices of XXXX with Citi bank Credit card company they continue to side with this unreputable company and refuse to credit me with this charge. 
I was very surprised that Citi did not support me in this event.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MD)

I do not have an account with PNC, but they allow someone to cash my reimbursement checks from my insurance company without a signature. The XXXX XXXX send them all of the documentation and I haven't heard anything nor will PNC tell me anything because I do not have an account and it has been months. Why are consumers being victimized when someone committed fraud, cashed over 7 checks and now you are making me wait, I don't know how long, but, it did not take the thief long to steal my money. The bank should be held accountable. If this is not the place that can help me. Please advise. 

Thanks
Consumer complaint received 2023-10-17
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. (FL)

I wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting me.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file 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
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After Bank of America closed my account my business account for an account they found out i didn't open. They wasthe main source frome over XXXX other accounts payments! And when i asked for a personal/business loan, they denied me credit and denied me loans. Discrimination because for XXXX ive been a loyal banking customer! Hard tomes hot after XXXX and i couldn't get no assistance nor contributions at all! 
XXXX that really hurted me, my pride, and how my kids and family looked at me as a man and being a private business owner!
Consumer complaint received 2023-10-16
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute an erroneous entry on my credit report which has been reported by XXXX XXXX. According to my credit report dated, there is an outstanding debt of {$920.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with XXXX XXXX, and this account does not belong to me. 

This incorrect reporting has severely impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines. I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. 

Provide legal proof that I have entered into a business relationship with XXXX XXXX. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. 

I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution, I have attached my police report to this letter. Please remove this account from my credit report.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I deposited a u s treasury department check into my bank of america ATM.on tuesday XXXX XXXX. Bank of America placed a 7 day. Hold on my US Treasury deposit and printed on the receipt that funds would be available by today. XXXX XXXX XXXX by XXXX. My money has not been released to me. And when I called, they told me. I had to wait another 24 to 48 hours and I should keep checking my account.
Consumer complaint received 2023-10-17
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. (TX)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to remove and block certain accounts on my credit report, which have been reported as a result of identity theft. I believe that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) concerning identity theft provisions, specifically Section 605B, which mandates the prompt removal and blocking of inaccurate information. 

I have taken appropriate measures to address the identity theft issue and have provided TransUnion with all the necessary documentation and evidence to support my claim. However, TransUnion has failed to comply with the FCRA by not removing and blocking the following accounts within the required four-day timeframe : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX It is my legal right, under Section 605B of the FCRA, to have this information promptly removed and blocked from my credit report, as it is a direct result of identity theft. The law states that consumer reporting agencies must act swiftly to prevent further damage to my credit and financial reputation. Therefore, I kindly request your intervention to ensure that TransUnion fulfills its legal obligations in this matter. 

I have attached copies of the following documents as evidence of the identity theft and my efforts to resolve this issue : A copy of the Identity Theft Report filed with [ Local Law Enforcement Agency ] on [ Date ]. 
Any other relevant supporting documentation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA by promptly removing and blocking the aforementioned accounts from my credit report. This is crucial to rectify the harm caused by this identity theft and to safeguard my financial well-being. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and any actions taken. 

Thank you for your assistance in resolving this matter and upholding consumer rights and protections.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WV)

XXXX ) Called around different dealerships to see who can do out of state leases ened up leasing a XXXX Kia XXXX through XXXX XXXX XXXX Kia on XX/XX/XXXX since I was told they do out of state lease ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX ). 

XXXX ) Was told by my sales XXXX XXXX that my perm plates would be mailed to me at my home address in XXXX XXXX 

XXXX ) XXXX Weeks before my temp plates expired, I called the dealership to see why I have not received the perm plates yet. Was told by XXXX that he check into it and to wait a bit longer. 

XXXX ) XXXX Weeks before my temps expired, I called again and this time was transferred to the XXXX XXXX. Was told that it was my responsibility to get the car registered and titled in my resident state of XXXX. 

XXXX ) I go to the XXXX  XXXX and they tell me that they can not title the car in WV without having the " owner '' of my leased vehicle fill out form XXXX. I call the dealership back and was told their title person ( one who owns the car ) can not sign out of state forms. I then asked if I could extend my temp plates and was told they could not do this. 

XXXX ) I then call Kia Finance directly and they tell me that the process to do an out of state title transfer can take XXXX days. Not wanting to pay for a rental car for this long, I ask if I bought out the leased car, how long would it take to get a title in my name. They told me 10 days for cashiers checks and 15 days for personal checks. 

XXXX ) At this point, the temp plates on the leased car had expired. So I rented a car through XXXX and went to the bank to get a cashiers check to pay off the leased car through Kia Finance. I overnight the check to them. 

XXXX ) The account updates as car Paid in Full on XX/XX/XXXX and I call Kia finance to verify that my title will be send in 10 days. and they told me I would receive it in XXXX weeks. 

XXXX ) Has been over a month, after numerous calls and have not received a bill of sales or title for the leased vehicle I bought. Was told by the Kia finance " escalation team '' that they had no way to contact the title department on their end other than emails. None of these emails they they send have been responded to and they continue to tell me to wait. Still paying for the rental car. Have asked can you at least send the bill of sales, but was told they put a request in but no answer from the title department. 

XXXX )
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Self Financial Inc. (TX)

I opened a credit builder account with SELF credit builder around XX/XX/2024. I paid my loan off early and they reported it to my credit report as paid off.. when it was time to release the funds back to me I was given the run around nonstop and a bunch of generic emails about investigations and That I would be notified by email when a payout will be determined.. It has now been XXXX months since all this took place, Ive already filled a police report against the company, and contacted the XXXX, Ive also filed a lawsuit in court a few days ago and I will be going to the headquarters on Tuesday XX/XX/XXXX to get this resolved. Ive been nice about this but if I have to file a complaint everyday and go to their office everyday and take them to court then I promise that's what I will do!!!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (IL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report Im requesting a 1099c ( cancellation of debt ) from the following charged off account listed below.upgrade XXXX After checking my most current report the updated information stated the account was purchased by XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender.please send the 1099c form.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (MD)

They contacted my stepson who only speaks XXXX and discussed late loan. The loan was originally made by people who knew his language. Truist should not be servicing any of my loans based on this behavior. They reported our payment as late and charged us fees/penalties. Never contacted other borrowers. Said we consented to all of this. We did not.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: KEYCORP (OH)

I am writing to address an issue I encountered during my recent visit to Key Bank in XXXX Ohio on XX/XX/XXXX, for a scheduled XXXXXXXX XXXX. appointment. 

During my visit, I expressed interest in obtaining a personal loan. The loan officer initially attempted to assess my eligibility using my boyfriend 's credit, but as he did not have an established credit history, we opted to use mine. Following this, I was informed that a response would be forthcoming, prompting my departure. 

On Monday, XX/XX/XXXX, at XXXX XXXX., I received a call indicating that I lacked any credit history. I took the opportunity to provide evidence to the contrary, citing my successful completion of car payments in XXXX without any delinquencies. 

Subsequently, I accessed XXXX to confirm my credit status. To my surprise, all records appeared to be absent. However, I possess screenshots from XXXX XXXX substantiating my credit history. The loan officer mentioned the need to consult with higher authorities, but regrettably, no follow-up communication ensued. 

With this in mind, I reached out once more on XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was unavailable, and I spoke with XXXX XXXX instead. I conveyed the circumstances, to which she suggested that I might not have sufficient credit history. In response, I provided a detailed explanation of my creditworthiness over the phone. XXXX XXXX indicated that a requirement for three open accounts to secure a personal loan is a misinformed assertion. 

Regrettably, I am compelled to express concerns of potential discrimination in this process. Given my longstanding association with XXXX XXXX 's family, particularly with her child, XXXX XXXX, I am disheartened by what appears to be a bias against me. 

As of my last inquiry, my credit score stands at XXXX, a figure that typically meets the criteria for a personal loan. I remain committed to working towards a satisfactory resolution to this matter. 

I kindly request a thorough review of my application and a prompt response. Additionally, I would appreciate any specific feedback regarding the eligibility criteria for future reference. 

Thank you for your attention to this matter, and I look forward to your timely response.