davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am getting system error prohibiting me from controlling by protective credit freeze on Trans Union. Therefore I am at undue risk because I can not take advantage of their advertised services via Trans Union Service Center. I have been receiving this error for months Sorry, we're having trouble showing the status of your credit freeze right now I have called multiple times. Late in XXXX, someone opned a technical support case and said the issue would resolve overnight. ( case # XXXX for freezing error - escalating to " special handling '' department System Error- ) On XX/XX/XXXX spoke to XXXX, said it was not escalated to the r '' special handling ''. She claims to have escalated it to special handling and said I will get a call back my cell with XXXX biz days. I never received a call back. 

On XX/XX/XXXX I followed up and received the following responses : XXXX. I called to complain and gave my case number. The rep had trouble understanding me and did not speak understandable English and hung up the phone loudly while I was explaining my expectations XXXX. Called back. Agent did not understand me, then cited call difficulties and hung up. 

XXXX. Called back. Explained the problems I was having to another agent. The line went silent then terminated. 

XXXX. Called back and asked for escalation. On hold for XXXX minutes. No response. 

Each callback requires multiple security prompts and takes several minutes to clear. 

I am still experiencing the error. I am still at risk because I can not control my credit report conveniently and with the same expectations other users have via the advertised features on the site that I am enrolled in and should be able to access.
Consumer complaint received 2024-01-27
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NJ)

I received the card on the XXXX for XXXX. I then check the balance on the XXXX and see that there has been a purchase at XXXX  XXXX which is located in California and the purchase was made on the XXXX of XXXX. I sent a dispute case and they dont tell you where they are at and when I call they kind of dodge the answers Im looking for. From a quick glance at this case it would seem pretty obvious that I did not make that purchase in California.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (DC)

In XX/XX/XXXX, Chase originated a XXXX mortgage for me. On XX/XX/XXXX, a Chase representative informed me of a 2 % rate cap on my variable rate mortgage. I received a copy of the mortgage note referencing this cap. See Appendix XXXX. 

On XX/XX/XXXX, I discussed refinancing options with JPMC representatives, who reaffirmed the rate cap 's existence and its impact on my monthly payments. See Appendix XXXX XXXX page XXXX. 

Around XX/XX/XXXX, I received a letter about the upcoming rate change. It made no mention of the cap. I contacted JPMC multiple times seeking written confirmation of the cap, and was told they would look into it. On one of these calls, the representative told me that I do not need to have it in writing because the contract clearly says there's a cap. 

On XX/XX/XXXX, I received a letter explaining the rate calculation. A JPMC representative informed me for the first time that the rate cap would not apply. On XX/XX/XXXX, the executive office confirmed this position. 

JPMC denied my requests for copies of previous call recordings, stating I would need to file a lawsuit and subpoena to obtain them. They maintained that I should not have relied on information from their representatives, even those who presented themselves as mortgage experts. 

The discrepancy between the information provided about the rate cap and JPMC 's current position has significant financial implications for my mortgage payments and property decisions. I believe that JPMC should be accountable for what its specialists inform their consumers about.

More broadly, I am concerned that JPMC has built processes that avoid written communications and deny consumers copies of verbal or chat conversations in an effort to absolve themselves of accountability.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (CO)

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX XXXX 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I made a mistake and deposited a check for {$1700.00} into my Huntington account that was on an account with NSF funds. 

This triggered an alert within Huntington bank, and on XX/XX/XXXX Huntington Bank decided to end the business relationship and force closed my accounts. 

I have 4 different accounts/relationships with Huntington Bank XXXX 

Account XXXX - Balance Approx {$12000.00} Account XXXX - Balance Approx $ XXXX Account XXXX - Balance Approx $ XXXX Huntington XXXX XXXX XXXX $ Balance - {$500.00} I have XXXX access to my funds and Huntington Bank is holding them hostage. All the transactions have posted and settled, and nothing is happening.

I am due approx {$9500.00} of my funds... .and the source of these funds can from my employer XXXX XXXX XXXX XXXX XXXX XXXX a direct deposit on XX/XX/year> of approx {$12000.00}. 

No one is talking to me... no one will give me information... ..and no consumer should be treated this way with this type of communication. I can not pay my mortgage, or regular bills because my money is being held XXXX.
Consumer complaint received 2024-01-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

A company I used to reside in is saying I owe a debt with them. I moved out of the residence in XXXX, XXXX. I only signed a 12 month lease with them from XXXX XXXX XX/XX/2023. I have multiple leases from that have different amounts and dates. The months they are stating I owe the debt XXXX XXXX XXXX I lived elsewhere with proof. I went through a third party called The Guarantors to be approved for the unit and around XX/XX/2023 when I moved out that third party gave me back my deposit, the had to contact the property and make sure all balances were paid before it was released. I have contacted the property about this issue and was told the files were put up and they no longer are owned by the property management company that was there when I stayed. I would like to get this situation handled as It is affecting my credit reputation.
Consumer complaint received 2024-01-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (IL)

I sent a letter informing the company of my dispute. I sent a notice/affidavit about deceptive and misleading business tactics regarding our contract sent XX/XX/XXXX, as well as invoked my right of rescission. Please see the attached file/document copy. I requested answers ( point for point ) in regards to the matters brought to their attention regarding our contract along with proof as far as the original note, if they are holder in due course UCC 3-302 provide proof and the Financing statement per the UCC rules ( certified only ).

I am only really seeking a FAIR RESOLUTION to this issue CARMAX AUTO. I am giving you a chance, in good faith, to consider this whole contract a mistake ( or whatever you wish ) because I asked in my letter, in good faith as well now that I am fully aware of how our contract has been breached ( explained in letter ). I only seek what is FAIR and deserving for the hardship and pain Ive been caused. Please be AWARE I read and comprehended the CarMax AutoXXXX, XXXX, and prospectus filings with the SEC in its ENTIRETY and XXXX part it states CarMax XXXX XXXX, XXXX, a Delaware limited liability company, will sell to CarMax Auto XXXX XXXX pursuant to the receivables purchase agreement a pool of receivables consisting of motor vehicle retail installment sale contracts originated by certain affiliates of CarMax XXXX XXXX XXXX XXXX under its primary underwriting program. CarMax XXXX XXXX XXXX will sell the receivables to the trust pursuant to the sale and servicing agreement in exchange for the notes and the certificates. CarMax Auto XXXX XXXX will use the net proceeds from the sale of the notes to pay CarMax XXXX XXXX, XXXX for the receivables. The trust will rely upon collections on or in respect of the receivables and the funds on deposit in certain accounts to make payments on the notes. The trust will be solely liable for the payment of the notes. The notes will be obligations of the trust secured solely by the assets of the trust. The notes will not represent interests in or obligations of CarMax , Inc., CarMax XXXX XXXX, XXXX, CarMax Auto XXXX XXXX or any other person or entity other than the trust. Neither the notes nor the receivables are insured or guaranteed by any governmental entity or any other person or entity. 
Now, I know Im not crazy or some genius! but your own prospectus even contradicts whats said in the application and was not at all discussed when I sat down with your employee XXXX.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

I'm a XXXX father XXXX XXXX XXXX XXXX. It sometimes takes me a few day weeks sometimes months before seeing a fraudulent charge. I caught 3 charges reported them and was denied. Finally figures it how to get ahold of the merchant and was able to get them to return my money. Merchant gets back to me 1 week later saying they have tried but was denied by my bank. Sent emails to my bank showing them they were wrong and that the merchant was trying to return my money but they ( the bank ) denied the return. My bank tells me they will appeal the dispute decision. Even with emails from the merchant stating the return and being denied my bank still refused to let them return it or refund me them selfsame. I'm out {$120.00} because of this and multiple jobs because it has left me where I could put gas in my truck and lost out on multiple jobs. I'm a veteran and I'm sry I didn't fight for this country to be able to do this to someone.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION (AL)

XXXX XXXX  obtained a mortgage. Closing disclosure had me for an excessive amount of property tax. I was told with it being a new build I would go to the tax office and get numbers updated and submit to them. Did this No change. They keep assessing XXXX taxes {$4000.00} above what they should be. For XXXX they sent me a XXXX XXXX refund check. I asked them to adjust my escrow and they still haven't done. I was even recently told after my 50th call since XX/XX/XXXX that they had to let it go through a full cycle. Meaning it would have to be a full tax year in the house. That's been done and now as of XXXX XXXX  they are continuing to put my property taxes in excess of {$6100.00}, even though the bill they paid was around {$2800.00} this year and XXXX for XXXX year. I have tried talking to everyone I could no success. This is causing stress and alot of time and money as next steps are legal action. I just need them to adjust my escrow to the right property tax amount. With them being a lender they are illegally taking my money which is helping them finance home loans so I'm basically a lender it's illegal and it has to stop. I feel this is apart of thjer strategy to get consumers to help them with loans, collectively {$6000.00} is impactful. I've called, sent over tax assessments reflecting right amount, requested property taxes be removed from my escrow. Every employee confir.s they can see that it's wrong but resolution is beyond them. I want my money back. Theyvare borrowing money from me monthly. I want interest on my money that I'm losing not having it in savings.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (FL)

I have a serious problem with Citibank which remains unresolved for more than 90 days. ( This is not what my complaint is about. Citibank owes me a check for the rewards balance of an account which Citibank closed on XX/XX/year>. Citibank does not deny the reward is owed, they just have failed to pay it. ). On XX/XX/year> I filed a request for arbitration exactly as required by Citibank, using the arbitration contact, XXXX XXXX XXXX ( XXXX ), provided by Citibank. I received confirmation that XXXX had received my request and I would hear from a case manager within 2-5 business days. I heard from no one after 5 business days. I waited another 5 business days and still heard from no one. After 10 business days on XX/XX/year> I emailed XXXX and asked for contact and status update. Today, 2 business days later, I have not had a response to the request for arbitration, nor the request for status. Citibank should not be permitted to require arbitration in their customer agreements because it is obviously not a XXXX XXXX for resolution.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

I requested an older statement from Chase. On the phone, the rep stated that it was only available in a branch, and at the branch they stated that it was not available at all. They confirmed they were only keeping statements back to 7 years and the statement I wanted was from XX/XX/2016. I thought that banks had a regulatory obligation to keep records going back 10 years, but they would not even submit a research request to attempt to find the statement.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

None of these accounts belong to me. delete it from credit. 

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 I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We have had a joint checking account with Citizens Bank for two years. My husband also does his personal banking there, and has a checking and savings account there as. 

On XX/XX/year> a tree fell on our home. We have been working wit our insurance company to get estimates, files claims, etc.. We want to get the roof repaired ASAP. 

On XX/XX/XXXX we deposited {$13000.00} from XXXX XXXX XXXX XXXX, an XXXX XXXX remotely using the Citizens online app, into the joint account my husband and I use to pay our home related bills. 

XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as their bank and this was the bank the check was written from. 

Citizens put a hold on the deposit. Saying they would only make the full amount available to our account on XX/XX/XXXX. 

After two calls and speaking with a manager at Citizens he could not defend the policy, saying only any bank has the right to do this. And they did not want to take a chance on the check. HE said the funds would be deposit when they cleared. It is the XXXX and they have made available {$220.00} of the deposit, and are holding the remaining amount. 

I am a XXXX XXXX XXXX businessman. I know in this day and age that these funds would clear almost instantly with electronic check clearance, and that Citizens is holding the funds to use for the float. My bank credits deposits the next business day if they are deposited after XXXX, and the same day if they are deposited before XXXX. 

This is unfair and a rip off. Citizens is not being honest. A check drawn on XXXX XXXX would have funds available immediately. 

We would like our money in our account so we can get our roof fixed.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KY)

I made a payment to Nelnet about 3 months ago. 
There are 8 total sub-loans on this account so from each payment, a portion of it is applied to each of the subloans. 
In their incompetence, they recorded 5 of the sub-loan payments correctly. But three they applied as a charge instead of a credit. 
And now they keep telling me my payment is past due. BUT IT IS NOT. 
They finally acknowledged the error about a month ago, after about 3 hours on the phone, with multiple people, including one that hung up on me once they saw the error was actually their own. 
Eventually they said they understood the error and they would fix it... but it would take 5 to 6 weeks! 
That is the height of incompetence. This is something that would take a few keystrokes, and it SHOULD be fixed immediately. But it's now been over a month and they STILL have not fixed it. 
I called again last week to make sure it's still proceeding. They claimed that it was, and it would be corrected by Friday ( XX/XX/XXXX ). It has still not been fixed ( as of XX/XX/XXXX ). 
Please help me bring Nelnet to account for this. They have the potential to damage my credit due to their own incompetence, and they seem to not take this very seriously.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (NC)

Creditor " World OMNI FINANCIAL CORP " seized the car during quarantine when I could not pay the loan. After the sale, they offered to pay me the difference, but at that time I did not have such funds. This year in XXXX they sent me a XXXX for the amount owed. but on my credit report there is a completely different amount and it grows every month and increases my debt balance, lowering my credit rating.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (TX)

XXXX XXXX released private source data information to a third party collection agency that is located in California licensed number XXXX and are not lawful permitted to collection activities in the state of California. Violation of admissible purpose, violation for reporting false and fraudulent information on credit report with out validation and or consent. This collection agenc continues to reach out to me via text message after a cease and desist communication has been sent
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

Jefferson Capital Systems is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Jefferson Capital Systems and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the XXXX laws!. **This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXX XXXX  nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 


Please DELETE ASAP!