davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-09-04
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. (NJ)

I checked my credit report and found out a XXXX XXXX XXXXXXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my XXXX XXXX a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of a bankruptcy record on my credit report that I believe was reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this issue by contacting both the bankruptcy court and your credit bureaus, I have not received any response. 

I have requested information from the bankruptcy court and from your bureaus regarding the authorization and accuracy of this bankruptcy record, but I have yet not received a response. This unauthorized reporting has negatively impacted my credit profile and is in violation of the FCRA, which requires that only accurate and authorized information be included in credit reports. 

Under the FCRA, I am entitled to have my credit report reflect only information that is accurately reported and authorized. Since I have not received a response from either the court or your bureaus confirming the authorization or accuracy of this bankruptcy, I believe this entry to be improper and request the following actions : 1. Immediate Investigation : Conduct an immediate investigation into the validity and authorization of this bankruptcy entry.

2. Removal : If it is determined that the bankruptcy was reported without proper authorization, remove the entry from my credit report and all associated accounts included in that Bankruptcy promptly.

3. Confirmation : Provide written confirmation of the actions taken and an updated copy of my credit report showing the removal of the unauthorized bankruptcy entry, and all accounts included on it.
Consumer complaint received 2016-12-22
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Western-Shamrock Corporation (TX)

Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-03-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I would like to dispute some incorrect information found on my credit history from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding some type of monthly payments made to Chase on an unknown account # XXXX this account never belonged to me and would like to have this information removed/deleted please call me at XXXX or email me at XXXXXXXXXXXX, asap thanks.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (ID)

I had fraudulent charges on my bank account. I have filed four claims that are being rejected because the employees are not filling out the claims right. I have been harassed up to four times per day including Sundays from the collections department after being promised by two managers to have the calls stopped. I have wasted over 5 hours calling and waiting for them to not help me and to tell me that I owe them {$100.00}. I am sick of waiting for help, They told me on XXXX/XXXX/2016 that it would be resolved in 90 days. We are at day 91 and I had to fill out ANOTHER claim today.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain criteria. I have met these criteria and received a letter stating that I qualified for the bonus AND met the criteria. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements. It is wrong that Citibank decided to change their minds after I opened the account and met the requirements.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX 2016, I spoke with Capital One in regards to my issue. I explained to them that I had issues submitting my payment online, which I thought that the payment went through. I went through my bank statement and notice that it did n't go through. I went on and explained to them that I did n't want it to harm my credit because I am submitting my payment at a later date. I also went into conversing with them, letting them know that I been requested to change my due date on this credit card. I have XXXX credit cards with Capital One. They assured me that this would happen, they would change the date. They assure me that they were not going to report to the credit bureau. They accepted my payment and gave me my confirmation. Now, I am just noticing that they did report my payment as late to the credit bureau. I explained to them over the phone the other day about my credit. They told me that it should n't have been reported and that I would need to get in contact with the credit bureau. I 've gotten in contact with the credit bureau and they told me the only thing I can do is dispute this late payment. I received the dispute and looked at it and saw that Capital One did n't change anything, they kept it the same. The representative assured me that my payments reflected that I made my payments on time but on my credit bureau its showing different. This have drop my credit score tremendously. I am so upset with Capital One and I thought they were suppose to help with your credit. I ca n't believe that the representative are trained to give the wrong information. I wish someone could please fix this issue because I am really upset at this time.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I requested for Chase to review I did not open this credit card. I did not have good enough credit score to even get approved for an {$11000.00} credit card. I file a fraud report showing I did not open this credit card. I asked for this card to removed from my credit report that I did not open this credit card. I don't even know who this account was opened online in person. I want some one to reach out to me about this matter. Doing this time I was hacked an have other accounts opened without my knowledge. The keep sending me settlement offers I feel I should not be responsible for this fraud account and want to get this resolved ASAP
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.
Consumer complaint received 2016-07-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have made several attempts to make arrangements to pay Portfolio Recovery Associates who are handling my XXXX XXXX Account. They refuse to help me all they want is my checking information to take full amount. I am a single mom with XXXX kids and ca n't afford to have that much taken out at once. After the 3rd try I was told I could due a money order and send it in with what I could pay right now I said ok and asked for the address. They rep informed me that they do n't have an address that he could give me. I replied you want me to pay with money order but not give me the information on where to send it, he replied back by saying he will send me information in the mail which I never got. I have been harassed 2, 3 and even as much as 4 times a day. They call my house, my cell, my family and even my work. I have told them not to call my work that I 'm not allowed to have theses call or I can be fired and they keep calling. I have reached out to both XXXX and XXXX about the harassment and not wanting to work with me on payments. They came back and told me to get an attorney but again I 'm a single mom and ca n't afford and attorney. Please can you help the harassment has to stop they refuse to take arrangements at this point I do n't know what to do.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OK)

I opened a XXXX checking account on XX/XX/XXXX. I transferred money from my individual brokerage account at XXXX to fund the new account. My checking account has been frozen since XX/XX/XXXX when the deposit was made. It is now XX/XX/XXXX. I have called multiple times and they just say theyre working on it. No one has reached out to me. My funds are still frozen over what seems like a very routine transaction.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is engaging in fraud with the management or better stated mismanagement of my account. Wells Fargo does not operate according to regulations with respect to handling disputes because part of Wells Fargo is XXXX XXXX enabled and that wing is engaging in fraud and identity theft. Wells Fargo in cahoots with the FDIC used or does use an improper name " XXXX XXXX '' knowing that " XXXX XXXX '' is not the owner of the account but rather " XXXX XXXX XXXX '' is the owner of the account. It is well documented that these XXXX XXXX  in XXXX XXXX have created this fictitious entity by the name of " XXXX XXXX '' using my SSN and have been doing so to create fraudulent account and all sorts of financial crimes. Wells Fargo knew this from day XXXX and nonetheless has engaged in fraud. On XX/XX/year> I disputed XXXX transactions : XXXX. ) XXXX  : {$45.00}, and XXXX : {$8.00} both based upon " Goods or services not as described. '' XXXX. ) XXXX days later on XX/XX/year>, Wells Fargo closed the disputes without any investigation whatsoever claiming that the charges were authorized. This is a flat out misrepresentation as that was not the basis upon which the transactions were disputed. Moreover, with respect to the Visible transaction that service was referred to the F.B.I ( at least XXXX times ) as it involved and still involves XXXX lead cybercrimes which is what Wells Fargo is criminally covering up via its internal XXXX  alignment. See attached for all supportive documentation if XXXX allows me to upload the XXXX ( XXXX ) files since they have been illegally monitoring my ( XXXX ) connections on the XXXX  to preclude contacting the appropriate authorities pursuant redress. Regards, XXXX XXXX XXXX
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son. 
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year. 
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTRAL BANCOMPANY, INC (AR)

XXXX : I accidentally deposited money into a closed account through the XXXX ( sales ) app. 
XXXX : I contacted XXXX and was told to wait 5 days and that the bank would return the money. XXXX stated that the money was still in transit. 
XX/XX/XXXX : XXXX contacted me to let me know that the deposit was showing as complete and that I should contact the bank. 
XX/XX/XXXX : I contacted XXXX Bank ( XXXX XXXX XXXX ) and questioned what had happened. I provided the payout trace ID- the customer service rep told me that the funds had been returned to me approximately 1 week prior and that I should have the money within the next couple of days. I have never gotten my money. 
XX/XX/XXXX : I emailed the bank and asked for someone to please contact me. 
XX/XX/XXXX : I sent in a review of my customer service issue and requested that someone please contact me. 
XX/XX/XXXX : I called the bank again and the customer service rep was unable to tell me what happened. 
XX/XX/XXXX : I contacted the bank again and was told that the bank kept my deposit due to an old fee from closing the account months ago. 
XX/XX/XXXX : I sent another email and requested ( again ) that someone contact me. I also requested proof in writing of all of this. 

I have received ZERO communication from the bank and I have nothing in writing telling me what happened. I also currently have 3 open accounts with this bank and have banked here for years.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

A " law office '' contacted me saying they were going to seize my property ( I do n't own property ) pay Wachovia. I have not had an account since 2009 with Wachovia/Wells Fargo. The statue of limitations should be close, and I dont own them money. the law office said they would see me in court then hung the phone up