davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
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: DriveTime (NV)

Hi, i am the current owner of a XXXX XXXX XXXX, it's paid and full and i have the title in my name that was just mailed to me. Long story short, i tried to go to XXXX XXXX weeks ago XX/XX/XXXX to get purchase a new car, but denied due to a past lien still out on the vehicle. I advised Drive-Time of this issue, the same night XX/XX/XXXX and it's still yet to be resolved. I have done a lot of leg work for Drive-Time trying to get this resolved on my own. However, I feel as if though me being the customer I shouldn't be doing their job responsibilities for this business, when they have a full-staff. They haven't been very informative about updates, and the the status of my case. XXXX the Assistant General Manger at this location, ( XXXX XXXX XXXX XXXX ) hasn't been taking the appropriate measures to get this resolved quickly. If they can't resolve this amicably, then this leaves me no other recourse but to take the appropriate legal action. I've reached out to the previous owner 's lienholder ( XXXX XXXX ) on this vehicle trying to obtain the lien holder release form however the form isn't in there possession anymore, it's with the auction company XXXX XXXX XXXX California ). Due to me not being the retail buyer of this vehicle, they are not authorized to release this form to me. 

I've also called my lienholder ( XXXX ) to obtain this form, however they are being told by the auction company that they need some type of proof that shows that there is still a lien out on it. I called the XXXX XXXX at the XXXX location for help, and was advised that he's sorry for the situation that I'm in, and that there is nothing he can do to assist. I have been asked my a couple of team members by Drive-Time to obtain this proof. Why am i being asked to job Drive-Time 's job and responsibilities? This is something that i was told by my attorney that they should be being handled this themselves or there staff. However, I've been the one taking matters into my own hands trying to get my own issue resolved. All i want is for this to be resolved, so i can proceed with a purchasing a new car! 


Also this happened to my friend about a year & a half ago with her XXXX XXXX, she was sold a car by Drive-Time that had a hole in engine. That was even in a battle between Drive-Time and XXXX trying to get Drive-Time to fix there mistake. In the end my friend lost, and had to buy a new car with XXXX due to them selling her car that had prior mechanical issues. 

I'm just wanting to bring attention to this business that is just quick to sell a car, but is not doing there due diligence to insure that your in something safe and reliable.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hello, Toward the beginning of the year ( 2023 ) I made a large purchase ( {$35000.00} ) toward a service provider on my business credit card, to which the service was never fulfilled due to internal issues on their end. After much back and forth with the merchant, they eventually agreed to not fight a chargeback on the payment, if I were to submit one through my credit card company ( Citizens Bank ). 

Once this was established, I went ahead and filed a dispute against the charge made. I have even sent over all the necessary info Citizen 's Bank Claims Department needed, including a screenshot of the email to which the merchant claims, in writing, that they will not contest the chargeback and let the full refund go through. 

It has been two months since I provided this information to the claims department, and I have not heard anything from them since. I have tried calling Citizens Bank multiple times, to which they explain they can not contact the claims department directly, and that the case still appears to be under " Pending '', however, it is long past the typical time it takes for a case like this to be resolved. 

I have also tried emailing the claims department email directly " XXXX '', to which I have gotten no response. 

I have even contacted the merchant to which the dispute is being filed against, and they have not heard a single thing from the claims department.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I can not use my corporate credit card or my personal credit card and I can not pay my bill for either card because Chase has locked me out of my online accounts, since I got a new computer and new cell phone, They only provide the option on the website and app to call an XXXX number that goes in circles and goes nowhere. There is literally no other option for me to get access to my online accounts. I have emailed them more than 10 times. I have emailed their Executive Office more than 10 times. I have made several of these complaints. I got no response until yesterday I finally got a form email that says they are " investigating. '' I do not benefit from their self involved investigation, I benefit from GIVING ME ACCESS TO MY ACCOUNTS which they refused to respond to my email responses again stating it is illegal to lock me out. I have sent several. 

I am XXXX. Per ada I am again asking for my legal right which is reasonable accommodation which is simply GIVE ME ACCESS ONLINE TO MY ACCOUNTS, NOW. STOP LOCKING ME OUT ILLEGALLY BECAUSE I PURCHASED NEW DEVICES. 

I will be looking to stop using my chase credit cards and moving to another company to use as my main credit cards after this experience, it is not the first or 2nd time they have done something like this this year. A few months ago they refused to apply a {$7000.00} credit card payment I made, again for close to a month, which blocked me from using my credit card and it caused me huge problems and took so much of my time. 

I am asking to just get access to my accounts, this is illegal to refuse me access and I do not understand why Chase does not take this seriously when they seem to take other things seriously and do a great job in the other area I need assistance with, unrelated to this request.
Consumer complaint received 2023-10-23
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (OH)

Hello, I'm filling a complaint against Santander Consumer USA. They know I had a mechanical breakdown recall on my vehicle since XX/XX/XXXX. The vehicle is still @ the dealership waiting for repairs. Meanwhile Santander wants too put a charge off on my credit report knowing this vehicle is still down on a mechanical breakdown. I can't pay for a vehicle and pay for XXXX, XXXX, XXXX  XXXX and a car note for a car that is not running. I live XXXX mi out. I pay for these services now too get to work due too my vehicle being down for the past XXXX. They don't offer refinancing or don't want to help me in any way. Even when paperwork was presented too them on Lemon Law status of " Breach of Contract '' for vehicle. All they want is money I can't provide. This whole delima has caused me a hardship. Due too shady dealings on XXXX XXXX XXXX. This vehicle is declared a lemon vehicle.Santander consumer has set up repossession. But hasn't repo vehicle because they know it's on a mechanical breakdown. Manufacturer is closed for parts on strike rather. I need the charge off removed.They are trying too cause me more issues instead of providing me relief in this situation.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have two large accounts or promotional purchases on a Synchrony card. they have completely different timelines when i had one account, i could go in and make payments on it on line. now i can not do that i must get a live agent at Synchrony this requires 17 steps. there is no easy way or efficient way to get a live person. you have to listen to recording after recording to get a live person takes 45 minutes ... .and this is the requirement they have for me now that i have two " accounts '' on 1 credit card which came with no interest for a number of months. 

two managers at synchrony told me if i want to allocate my funds to a certain account i must phone but when i did the other day XXXX a XXXX XXXXXXXX XXXX  and XXXX assured me my funds would go to the proper account ( the $ XXXX XXXX  ) and he erroneously applied it to the larger one ( $ XXXX ) which I specifically told him not to. this was all recorded. 

this is unacceptable. I am trying to make payments XXXX a month on XXXX different accounts with different expirations and synchrony is preventing me from doing this with unreasonable conditions and unreasonable wait times.
Consumer complaint received 2024-09-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am filing a formal complaint against Bank of America for violating my consumer rights. The bank failed to provide me the option to opt out before sharing my personal financial information with third parties, including other financial institutions and consumer reporting agencies, which is a breach of both federal ( Gramm-Leach-Bliley Act ) and New Jersey state laws ( NJCFA and NJ Identity Theft Prevention Act ). Despite informing Bank of America that I did not consent to this sharing, they responded by referencing their Privacy Policy, which allegedly allows such practices. However, their policy clearly states that they must comply with both federal and state privacy laws. 

I have never signed any contract permitting Bank of America to share my nonpublic personal information. I requested a full accounting of my account, including documentary evidence, to verify the funding and outstanding amount. Bank of America has only provided a copy of the Promissory Note, failing to comply with the Truth in Lending Act ( TILA ) requirements. 

Moreover, the bank has ignored my explicit instructions to send correspondence to a specific address, continuing to send mail to an inconvenient location, violating New Jersey 's consumer protection laws. This action constitutes identity theft under 15 USC 1681a ( q ) ( 3 ) and is a deliberate effort to deprive me of my rights under 18 USC 242 and collect on credit by extortionate means ( 18 USC 894 ).

The Promissory Note is void and unenforceable, as it violates TILA, UCC, and COM regulations. The alleged creditor, Bank of America, has no valid agreement with me and is in possession of my personal information through identity theft. I seek damages for these violations, including breaches of NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and COM.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The XXXX XXXX  collection on my Transunion credit report needs to be reinvestigated or deleted, I have an identity theft report and I have disputed this collection. XXXX has deleted this collection from my credit report, Transunion has to do the same, how is it that one credit bureau deleted it and the other says that the collection is accurate, dont both of these companies do the same type of investigation and go thru the same process.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (SD)

COMPLAINT ID : XXXX XXXX XXXX Code XXXX Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. XXXX be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking XXXX the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. Violation of the XXXX XXXX. 

15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report. 

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (WV)

On the XX/XX/XXXX, I received an email at XXXX XXXX saying someone was trying to change my email address.I call the customer service number XXXX XXXX XXXX and said it was ( NOT ) me and not let nobody change anything it was scammer.By XXXX XXXX, the same scammer get in my account by calling them and change my email and password and get in my account.But one error the bank makes, they did ( NOT ) asked the scammer my XXXX security code at the back of the card which only me know.XXXX  is the XX/XX/XXXX and I still did not get my money back please help me I have XXXX kids and wife to take care of.every time I call somebody out of the United States answer.The bank name is American Express serve.Thank you
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

On Monday, XX/XX/XXXX I noticed my Navy Federal Credit Union checking account showed a {$200.00} debit for a check I had written and a {$200.00} debit from the account by a number that was not a check but had a similar last 4 digits as the other check. The online service would not show the check with strange numbers. I called NFCU and after over an hour and speaking with 3 different people, it was determined that the person I wrote the check to, also an NFCU member, had mobile deposited my check after endorsing the check for mobile deposit only and then subsequently cashed the same check illegally at a local branch. I was told NFCU would withdraw the funds from the account and return it to my account within XXXX XXXX. On Thursday XXXXXX/XX/XXXX I again contacted NFCU and was told it could take up to XXXXXXXX XXXX  and that when the money was returned I would not be made whole, that the money would show as deposited on the day the money that they improperly deducted was returned. I was told the branch needed to return the money and there is no phone number for the branch, I could visit the branch in question if I wanted to discuss further. Clearly NFCU is responsible for deducting the money from my account twice and fraudulently. The money should be returned as if it was not deducted and I should also receive interest for the period of time they improperly deducted the money from my account. I contacted XXXX who advised I could contact CFPB about the issue. Having just looked at my account and seeing that my account has not been re-credited for the improperly deducted funds that were taken XX/XX/XXXX, I am contacting your office for assistance. While the person who presented the check twice is clearly at fault for double presenting and has made no effort to contact me or apparently the credit union, clearly the credit union is responsible for accepting the same check twice and debiting my account. It is unacceptable to expect me to also have to physically go to a location not near my home to discuss their error with them in person to facilitate the return of my money and further when the money is returned it should show as having been there since XX/XX/XXXX and I should be given the interest lost due to their error. I do not understand why if NFCU could clearly see 6 days ago that they made an error over 2 weeks ago, that should never have been allowed, that I am still waiting for the return of my money. I am thankful I had enough in my account to cover my other debits but this is just wrong and should not be allowed to happen. I also should not have to continue to call NFCU and check my account to see if the money has been returned, they should keep in contact with me to keep me apprised of their efforts to correct the fraud they are aware of.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case