davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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: AMERICAN HONDA FINANCE CORP (NC)

XXXX  case ID XXXX I purchased an XXXX  at XXXX of XXXX in XXXX VIN : XXXX I paid it off in XXXX, at which time the title was mailed to me however I lost it We moved to XXXX from New Jersey, so we bought a new car in XXXX. The XXXX XXXX needs a Lien Release for the title. XXXX of XXXX can not assist. I am trying to get in touch with American Honda Finance, however it's impossible. 

There is no chat, there is no email, and the hours are only weekdays XXXX to call in. When I've tried to call in, the wait times are XXXX minutes but no one ever picks up even after an hour+ I have called the number on the XXXX complaint but its American Honda motor, different company. Ive asked the receptionist at that number 3 different times for someone ( a human ) in the financial company and she just puts me on hold and sends me to the motor company. I have asked to speak to legal but have never been patched through to them After filing a XXXX  complaint, American Honda financial lied to the XXXX   claimed they spoke to me- they never did Its impossible to contact anyone at Honda financialXXXX Ive tried XXXX  for contacts and scraping linked in. 

Honda financial seems to be purposely and methodically discouraging and preventing consumers from obtaining a lien release I am happy to support the cfpb in any actions taken against or motions filed against American Honda financial, not only for my own benefit but for the likely countless others who have given up and suffered material harm. Im disgusted, frustrated, and insulted by their blatant abuse of robot phone barriers and refusal to help what should be a simple request. 

Honda Financial seems to have set this up specifically to discourage folks from making contact with them. I'd advise them to get a more robust & modern customer support system set up. However in the meantime, I need my Lien Release ASAP.
Consumer complaint received 2024-07-23
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (GA)

Bank manager at XXXX business manager and bank manager open my account told me she just needed verification for my address but it wouldn't affect my account and no kind of way I put in the {$200.00} cash deposit to open savings and checking made a XXXX check deposit soon as after I made a deposit my account has been closed ever since then and restricted she advised to me to bring business verification which I did she stated to several corporate supervisors it was other reasons why she didn't over to account due to that lack of information for business which was a lie also she stated to me and I corporate manager that she was dispersing funds on XX/XX/XXXX in a form of a check and the charge back to the check of {$3600.00} and {$60.00} to XXXX XXXX from my home insurance company for my furnace being broke it's almost a month later I haven't received the funds soon as I made an inquiry to her that I was going to make a complaint on the actions and the performance of her duties and the lies she told about my account not being able to be open due to lack of business information ever since then my money 's been in limbo or loss or stuck with key bank also I will be hiring a lawyer to retrieve my money back
Consumer complaint received 2023-06-20
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. (IL)

I attempted on several occasions to Experian to remove inaccurate accounts. XXXX Acct # XXXX Acct # XXXX. Experian claims they verified it but would not give me the information on who they talk to and any proof they required.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to TransUnion with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to XXXX. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$150.00} Amex e-gift card on XX/XX/2023. According to Amex, the card is accepted at ALL online retailers who accept Amex as long as the expiration date and security code is provided. I have tried using my gift card online at XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX. All transactions were declined due to security issues although when I check the balance on the card it is {$150.00}. The purchases I tried to make were well under {$150.00}. I called Amex several times and was told misleading information, ie. that I should upload the gift card to my XXXX XXXX wallet and i could make purchases from there ( did not work ) ; that i could use the card to pay off my regular Amex account balance ( not true ) ; that I should try to make a purchase at another retailer ( I've tried MANY MANY retailers and spent hours online shopping only to have the purchases declined over and over! ). Furthermore, I see that many many other customers have the same complaint, that the Amex cards are useless. I am now stuck with a {$150.00} virtual card that is worthless, and Amex has run off with the money! I even tried using the gift card in the online app for my building 's laundromat! Even THAT got declined!!!!!! Amex gift card representatives are no help, they read off a script and consistently say " try it at another retailer. '' How many retailers am I supposed to try??????
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 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 XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I keep disputing the same mistake and maybe fools to take it off of my credit report I sent in a letter from XXXX XXXX expressing what I owe them. How is this company allowed to charge me more when I do not owe that so I do not owe this account for them, holding up my credit for years now with misinformation and will not take it down.
Consumer complaint received 2023-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, This is for a business credit card with CapitalOne in my name. 

We have an advertising account with XXXX. Unfortunately, XXXX locked us out of our account beginning in early XXXX as XXXX thought our account was hacked. No amount of messaging with XXXX support could resolve the issues. XXXX doesn't provide any phone # to call so everything must be done over chat. 

XXXX kept billing us for ads on their platform, despite us not having any access to our accounts. After more than XXXX weeks of back and forth with XXXX, I called CapitalOne to dispute the recent charges. We had no knowledge of any ongoing ads, and we could not turn ads on or off, nor could we update ads as we normally would, as XXXX had locked us out. 

CapitalOne requested that I provide proof that I didn't get any ads, which was impossible as I was locked out of XXXX. I explained the situation in a letter to CapitalOne, and provided some screen shots of our chat history with XXXX to prove that we were desperately trying to get them to unlock our account but they wouldn't. 

CapitalOne has rejected my dispute and demands that I pay more than {$9000.00} in advertising that XXXX ) I don't even know if I received, and XXXX ) wouldn't have been the advertising that I would have chosen, as we change product advertisement on a weekly basis to match our business needs. 

I will not pay.
Consumer complaint received 2023-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

CARRINGTON MORTGAGE SERVICES IS ABUSING OUR 'S CIVIL AND FEDERAL RIGHTS NEVER APPLIED XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX MORTGAGE PAYMENTS OF {$3100.00} EACH CARRINGTON MORTGAGE SERVICES NEVER APPLIED THE {$32000.00} RECEIVE VERY FOR MORTGAGE ASSISTANCE FLAT UP STOLEN OUR 'S MONEY 'S NEVER MAILED MORTGAGE MONTHLY STATEMENTS, MORTGAGE BALANCE properties taxes receipts, Insurance HOMEOWNER POLICY OR ANY PERMISSIONS OR AUTHORIZING TO PAYING ANY UNATHORIZED PURCHASE OF ANY HOMEOWNER INSURANCE the H.O. INSURANCE WAS PAID UP TO XX/XX/XXXX IN XX/XX/XXXX THE CARRINGTON MORTGAGE SERVICERS DECIDED TO PAYING {$4600.00} AND THESE MONEYS ARE STILL OWED TO XXXX IN XX/XX/XXXX A CHECK FROM CARRINGTON MORTGAGE SERVICE WAS ISSUED TO OUR 'S NAMES AS REFUND FOR OVERPAYMENTS THE CHECK WAS MAILED TO XXXX IN XX/XX/XXXX THEREFORE EXPIRED NOT CASHABLE IN XX/XX/XXXX I PAID {$4500.00} MY MONEYS DISAPPEARED. CARRINGTON MORTGAGE SERVICES LIED ABOUT SENDING THE DOCUMENTS TO AN UNKNOWN ATTORNEY NOT REPRESENTING US AND WAS CONFIRMED IN WRITING THAT NOTHING WAS EVER RECEIVED FROM CARRINGTON MORTGAGE SERVICES TO XXXX XXXXXXXX. WE HAVE NOT BALANCES WE DON'T KNOW WHAT THEY DID AND DOING WITH ALL OUR 'S MONEYS OVER {$52000.00} WE ARE IN PITCH BLACK PLACE WE DON'T UNDERSTAND WHAT THEY ARE DOING THE MORTGAGE LOAN BALANCE IS OVER {$590000.00} IN XX/XX/XXXX WAS {$540000.00} CARRINGTON LIED ABOUT FORBERANCE TERMS OF REPAYMENTS CARRINGTON MORTGAGE SERVICES WANTS US TO OBEY BY THEIR SUDDEN REQUEST ON XX/XX/XXXX BY PHONE WITHOUT ANY EXPLANATIONS TO GO IN TRIAL PAYMENTS OF {$5900.00} EACH THAN THEY WOULD HAVE CHANGED THE XXXX XXXXXXXX XXXX XXXX LOAN INTERESTS FROM OURS 2.875 % TO 7.99 % PREDATORY INTERESTS TODAY THE VA IS OFFERING INTERESTS OF 4.48 % TO XXXX XXXX BESIDE WE HAVE MORTGAGE ASSISTANCE {$32000.00} AND ALL THE MONEYS OWED FROM MORTGAGES NEVER APIED PAYMENTS NEVER APPLIED REIMBURSEMENT CHECK SENT EXPIRED FOR 15 MONTHS?? LATE FEES SERVICE FEES TO SERVICE THE LOAN AND APPRAISAL FEES CARRINGTON IS NOT A BANK WE NEVER APPLIED FOR ANY APPRAISAL CARRINGTON MORTGAGE SERVICERS NEVER ONCE COMPLIED REPLIED SEND ANY MAIL THEY WRONGFULLY REPORTED OUR 'S PAYMENTS LATE PLUS THEY ILLEGALLY REPORTED OUR 'S MORTGAGE IN OUR 'S 3 CREDIT BUREAU 'S THEY DESTROYED OUR 'S CREDIT WE HAVE NOT CAR BECAUSE OF CARRINGTON MORTGAGE SERVICES OUR 'S HEALTH COLLAPSING WE SENT 129 EMAILS 68 FAXES WITH THE BANK STATEMENTS WITH THE VA LETTER STATING THAT IF THE FORBERANCE WAS PLACED AT THE END OF THE LOAN THAN 1EACH POINT WOULD HAVE CHANGED OUR 'S INTERESTS FROM 2.875 % TO 3.875 % FOR 30 YEARS FIXED BUT CARRINGTON MORTGAGE SERVICES RECEIVED {$32000.00} FORGIVNESS FUND UNDER M.A.AND PLUS ALL THE REST DISREGARDING THE RULES LAWS AND REGULATIONS UNDER THE FEDERAL AND STATE LAWS. CARRINGTON MORTGAGE SERVICERS ARE DISGUSTING EVIL PREDATORS ALL THEY DONE AND ARE DOING TO US NEED TO BE STOPPED. THEY ARE RUNNING ILLEGALITIES SCAMS STEALING AND NOT COMMUNICATIONS WHATSOEVER ......
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2023-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft for the amount of {$1300.00} through my XXXX card from Bank of America. I live in XXXX California ( XXXX XXXX ) and the XXXX charges, adding up to the aforementioned amount, were charged in states New York and, I believe, North Carolina per the Bank of America. Of note, I have not been outside the state of California since XXXX nor has anybody else been authorized to use this debit card. Additionally, I have never used the debit function of this card. The card has only been used at my local Bank of America branch to withdraw cash, in which I then deposit into my personal bank account at the XXXX XXXX XXXX. This information was provided to the Bank of America XXXX. 

It was approximately XXXX month ago the Bank of America found " suspicious activity '' on my account. I filled a claim as those charges are obviously fraudulent. My claim was denied by Bank of America in a statement within an apparent 'form letter ' : " During our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account. As a result, your claim has been denied. '' This denial is, in a word, insane. I have requested a case review and the evidence for the denial of the claim -- Other than the obvious 'form letter XXXX Bank of America XXXX to my home address. 

The XXXX fraudulent charges are as follows : XXXX. ) {$160.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$170.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$180.00} @ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$150.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$160.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$190.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$100.00} @ Love by XXXX XXXX on XX/XX/XXXX I have come to learn that XXXX fraud, through Bank of America Debit card system, appears to be widespread in California as well as Bank of America claim denials via form letters. There has been, and currently are, class action lawsuits against Bank of America for thousands of similar complaints, as compared to my own, since XXXX. Including paying more than {$200.00} XXXX in fines for claim denials through form letters. Regardless, it appears that practice by Bank of America has not abated. 

On a personal note -- I am an XXXX that was working in a large XXXX XXXX XXXX during the XXXX XXXX XXXX XXXX XXXXXXXX. I also fell victim to the acute effects of the virus, from working with XXXX XXXX XXXX XXXX, and with the after effects of 'XXXX XXXXXXXX  ' ( XXXX  ). It is why I have been out on XXXX XXXX times since my initial severe illness of that virus. This Bank of America so-called " investigation '' is a flat out insult to someone who sacrificed his health during the pandemic. 

With that said, thank you for your time, XXXX XXXX, XXXX
Consumer complaint received 2024-07-23
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. (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. 

Account Name : XXXX XXXX XXXXankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.
Consumer complaint received 2023-12-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$100.00} Amex  e-gift card on XX/XX/2023. According to the paperwork that came with the gift card, it can be used to make purchases via XXXX XXXX, or can be used at online retailers. However, I loaded the card to XXXX XXXX and tried to make a purchase, and it was declined. I also tried using the card online at several large well known retailers - XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, etc. and all of my transactions were declined, although I have confirmed the balance on the card is {$100.00} and I was attempting to make much smaller purchases. I spoke with Amex  gift card representatives on the phone who gave me incorrect information, telling me the card could be used at all retailers as long as I provided the expiration date and code. I did so when attempting to make purchases at ALL of these online retailers yet each transaction was denied by Amex! I now have a useless {$100.00} gift card that can not be used ANYWHERE! I also wasted hours of my day today trying calling Amex, speaking to various representatives who were reading from a script. I also researched online and discovered many MANY other people throughout the US are having this exact issue and Amex gift cards can not be used anywhere! What am I supposed to do now?