davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (ME)

I bought a truck in XXXX of XXXX with my mother cosigning for me. Everything was in perfect order until Covid-19 hit. I called State Farm Bank to see if I could get a deferment. They gave me one for XXXX, XXXX, and XXXX XXXX of XXXX ). I paid the regular payment in XXXX. I asked them again for another deferment ( and they gave it to me ) for XXXX, XXXX, and XXXX, XXXX. My next payment was due XX/XX/XXXX. I called and made a payment on XX/XX/XXXX. I waited and waited for them to take the payment out of the same account that I had been paying before Covid, for 2 and a half years. They never did. I was not aware that the company had merged with XXXX XXXX  in XXXX XXXX. It was around this time that I was beginning to see the issues this merge caused. 
I spoke with XXXX on XX/XX/XXXX and he explained to me that I could not use the account I had used for 2 and a half years, and I had to make the payment out of another account. I wasnt happy, but paid the payment. Reference number XXXX. 
I started looking into my account online, State Farm Bank. My account activity was crazy. 
The ACH payment schedule ( of {$360.00} ) from XX/XX/XXXX to XXXX XXXX All were made on time with never a late fee or mark on my credit! 
Then Covid hit. 
I asked for a deferment. State Farm gave me XXXX, XXXX, and XXXX of XXXX I paid {$360.00} on XX/XX/XXXX I asked for a deferment XXXX, XXXX, and XXXX. 
My payment for XXXX was made on XX/XX/XXXX. It was reversed XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Payment- they tried to take it out of my mothers account XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX Payment XX/XX/XXXX Payment I never knew any of this! Since I saw this, it was erased from my account. 
I talked to XXXX XX/XX/XXXX said i was paid up until XX/XX/XXXX. XXXX I talked to multiple with State farm Bank. I was the one calling to try and get this straightened out. They never contacted me. I talked to each of them at least 2 times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was paid up until XX/XX/XXXX, then they took a payment out of me XX/XX/XXXX. I asked for a return, as it was taken out of the wrong account. Now they are telling me my payment is due XX/XX/XXXX and I dont think it is right. 

I want my record cleaned with this bank/merge. If the covid didnt hit everything would be fine. I was unable to get any loan for XXXX, and was turned down for any credit cards. 
I am furious with this, and wanted to get away from this bank, and no one can help me with that.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I accidently sent Chase Card Service 2-payments, so I could payoff in full balance on account and too close account and destroy credit card. I over paid, By {$680.00} ; and chase Card Services say they will not return the overpayment or pay interest while they hold my MONEY for one month. Even though the Account is closed and no further charges can be made??? Further, I am losing 3 % interest paid by my bank ; while Chase refused to return MY-MONEY!!!
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC (FL)

In XXXX of XXXX, I installed solar panels, and initiated a loan for the panels themselves through Loanpal. Shortly thereafter, I was contacted by a salesman for Loanpal, in the Mortgage department, who offered me a re-finance mortgage on my home, for which the sole purpose was to pay off the solar panel loan completely, and roll that into the mortgage. I dealt with the Loan Officer XXXX XXXX and the processor XXXX XXXX. During this time, my roof was also damaged by Hurricane Sally. This roof damage became important during the appraisal phase, but I was assured by XXXX and XXXX that if the appraisal was low because my roof had not been replaced yet, that could be handled. Regardless, the entire process of closing the Mortgage went fine, as far as I knew. There was NEVER any indication from Loanpal that my solar loan would not be FULLY paid off by the mortgage. Neither my wife nor myself would have agreed to go forward with the mortgage had we been told it would not pay the solar completely off. 
In XX/XX/XXXX, the mortgage has closed, and been sold to XXXX XXXX. I begin to get calls from Loanpal XXXX, indicating that I am behind on my solar payments. When I call to explain that they should speak with their mortgage division, they tell me that only PART of my solar loan was paid off, and that I still owe XXXX plus dollars for my solar loan. I contacted Mr. XXXX, and he insists that he and/or XXXX must have told me this, however neither my wife NOR I would have accepted these terms were we told. MrXXXX XXXX then insinuated that I must not have read my disclosure, as he claimed the disclosure made it clear that my solar loan would not be paid off not matter what deception might have happened verbally. I did go back and look at my disclosure, which did show the amount to be paid to Loanpal by Loanpal. {$36000.00}. However the disclosure document did NOT indicate that I would still owe on the solar loan, and I reasonable thought that Loanpal Mortgage was getting a discount on the payoff, as I was dealing with two divisions of the same company. I believe Loanpal uses deceptive practices to lure consumers into a loan under false pretenses, and I now have two loans, when all I ever wanted was to refinance my home based on the promise of paying off my solar loan. Again never ONE TIME did anyone from Loanpal tell me anything other than that my solar loan would be completely paid off by the refinance.
Consumer complaint received 2021-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Credit Report XXXX / Report Number XXXX dated : XX/XX/XXXX XXXX Dear Sir or Madam : The purpose of this letter is to challenge an incorrect entry in all three my credit report file. 
Enclosed is a copy of the credit report file that obtained from your office. The challenged portion of the report has been marked. 
That this account XXXX incorrect address and place of work for this account plus it is over XXXX XXXX XXXX now so it should no longer being reported to any credit reporting agency by Fair credit reporting act law. 
This account was opened XX/XX/XXXX with amt financed XXXX with balance of XXXX  This Account has been on my credit report for 7 years and 9 months now. 
Your efforts in investigating this matter would be appreciated. Please respond at your quickest convenience regarding the results of your investigation. 
Social Security XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX Enclosure This is a XXXX XXXX document
Consumer complaint received 2021-01-25
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: CITIBANK, N.A. (DE)

I learned on XX/XX/XXXX that my Macy 's store card had over {$8000.00} in charges from a phone call from their billing department that my bill is past due and over the limit. I was outraged, I had not used my card in over 4 years at this point and it had a XXXX  balance. I explained to them that I had not received any bills via mail or email. I immediately asked to be transferred to their fraud department. I spent the next 2 weeks talking with different people in their fraud department. It was told to me that someone had been making minimum payments and had changed all the information on the account. They would not tell me anymore information!! I filled out every form they sent me and faxed back. I could even prove I was in a different part of the country when these charges were taken place. I even explained to them that I only used the card to make in-store purchases at Macy 's, all these are charges being told to me were everywhere but Macy 's ( the card was backed my American Express ). Macy 's Fraud department asked me to get a police report. They were supposed to send me a copy of the charges from the time we determined I had no longer used the card so I could use that for getting said Police report. ( still waiting for the copies as of XX/XX/XXXX ) On my last call they asked if anyone had been authorized to use my card, I said my wife was when I first opened the card and I had removed her since I had stopped using the card. They told me that was in there system ( Notated previously ). I called back and their department had been shut down due to Covid 19 in XX/XX/XXXX. I called back and was still getting transferred to other departments because the fraud department was still not online. I want to say end of XXXX or beginning of XXXX I received a phone call from Citi bank who was trying to secure this Debt for Macy 's. I proceeded and told them this was all fraudulent charges and I had been speaking to Macy 's fraud department. Every time I called Macy 's to try and talk to someone I was transferred directly to Citi Bank collections. Fast Forward to XX/XX/XXXX, I received a letter from another collections company about this same debt. I called the number on the letter and talked to the person on the other end explaining to them about this whole situation. The first week in XX/XX/XXXX, I received a letter from Macy 's saying my fraud claim had been denied and I am liable for all charges.
Consumer complaint received 2023-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (NY)

I purchased a vehicle from Carvana in 2019. My account was assigned without my knowledge to XXXX. I was recently looking over my car contract with Carvana and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from XXXX after sending a cease & desist. They are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement.
Consumer complaint received 2021-01-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

CD account missing from the drop-down account selection in the Letters and Notices screen still has not been fixed by the bank. I had a CD matured on XX/XX/2021. I called on XX/XX/2021 to renew the CD and change the term from a 4-month CD to a 5-month CD. Prior to the renewal, I was able to access the letters regarding this CD in the Letters and Notices screen. See the first attachment. After the renewal, this CD is no longer in the account selection drop-down list in the Letters and Notices screen. See the second attachment. Hence, even the bank sent me an e-mail notifying a renewal letter is there, I was not able to access this letter. The bank did not mail me a hard copy of the renewal letter neither. I called on XX/XX/2021 and talked to an online technical support staff. I screen shot the online account selection drop-down list and e-mailed him the screen shot. He told me he has received the e-mail and would write-up a ticket about this issue. He told me someone would call me within 24-48 hours and provide me a ticket number and an update on the issue. I never received a call back. I called again on XX/XX/2021 and talked to an online technical support supervisor, XXXX. He said that he could not find any record on this issue and asked me to e-mail him the screen shot. I did. He too told me someone would call me in 24-48 hours and provide me an update. Again, I never received a call back. I called again on XX/XX/2021. This time the person I talked to told me he found a ticket but he could not tell me the ticket number. He said only the person who wrote that ticket can tell me the ticket number and an update on the issue. Therefore, this issue goes nowhere.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP if this is not removed!
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

The payoff statement dated XX/XX/2020 from Ally indicated a per diem interest of {$65.00} and a payoff statement preparation of {$30.00}. In a letter dated XX/XX/2020 Ally provided a reconciliation of the final payment which included {$60.00} for the payoff statement fees and {$7800.00} for the interest from XX/XX/2020 to XX/XX/2020 ( date of the loan payoff ). Interest should have been {$7800.00} for the period of 120 days from XX/XX/2020 to XX/XX/2020. Payoff statement preparation should be included in the normal cost of doing business. However, Ally should abide by the fee stated in the payoffs statement dated XX/XX/2020 of {$30.00}.
Consumer complaint received 2021-01-23
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. (FL)

There is an account on my credit report with the name of XXXX. It says that it is an auto loan. I have never had any dealings with XXXX. I have asked the credit bureaus to investigate this information but they are not doing the job. This is hurting my credit report a lot and i need this deleted!!!
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A. (MN)

got a hone call from XXXX stating they are trying to collect a debt on a Citibank credit card ( which I don't even have a Citibank credit card ) and they said they were a law firm offering to settle the debt before it went in to collection. Complete fraud and scam, I hung up on them and blocked the number. Very rude on the phone and could tell it was a call center from the noise in the background. 
Thanks for your help.
Consumer complaint received 2021-01-24
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. (NV)

Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as wrong with different zip codes and wrong information
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the XXXX  Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY EXPERIAN CREDIT REPORT..
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 XXXX XXXX  XXXX XXXX XXXX  These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.