davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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: HYUNDAI CAPITAL AMERICA (CT)

Kia Motors Finance/Hyundai Capital has an invalid lien on my vehicle. I have never financed through Kia. I have asked repeatedly for a letter of no interest or a lien release, they won't provide anything. They can not produce anything saying they have a security interest in the car that I own.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax is in violation of my rights as a consumer based on the Unauthorized Disclosure of Nonpublic Personal Information on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all in clear violation of 15 U.S. Code 6803 - Disclosure of Institution Privacy Policy, which states that creditors are prohibited from disclosing any nonpublic personal information to nonaffiliated third parties without providing a notice that complies with the aforementioned section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has disclosed my nonpublic personal information to a nonaffiliated third party ( Equifax ) without providing me with notices that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. According to the aforementioned section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are required to provide a notice that clearly outlines their privacy policy and informs consumers of their right to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. However, I have not received any such notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to the unauthorized disclosure. I want to remind Equifax that this issue is not whether the accounts belong to me but rather they are reporting without me being provided notice under 15 U.S. Code 6803.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

During a recent credit inquiry it was brought to our attention that there is a discrepancy from the time our home loan/mortgage transferred service from XXXX to your organization SLS, in XX/XX/XXXX. According to the report, one payment is being reported from SLS as 60 days late ; however, this is not accurate and is unjustifiably creating a crippling effect on our credit score. 

We have provided documentation of our last ( XX/XX/XXXX ) statement from XXXX amount due was for XX/XX/XXXX payment. We were informed in XX/XX/XXXX that our servicer would be changing to SLS and that we would be contacted by them with further account and payment information. We spoke with a SLS representative XX/XX/XXXX, we were informed that our total amount due was {$940.00} and we made a payment via telephone at that time. We continued to make regular monthly payments to SLS in the amount of {$1000.00} from XX/XX/XXXX current ( XX/XX/XXXX ) documentation included. 

We have spoken to SLS representatives over the phone many of times regarding this discrepancy. After extensive wait times, often 15-20 minutes, disconnected calls, and being told the person/supervisor that can help you in not in/available, a representative from SLS has informed us that we were delinquent from  XXXX and that delinquency was transferred over to SLS.

We understand our mortgage servicer may change and we do not have control over this process. However, you SLS as the servicer, have a legal obligation to protect us as the consumer through this process. This trust has been fractured through the lack of communication you have been able to provide, despite our efforts to get this resolved in a timely manner.

Again, as you requested we have attached the last statement from XXXX in XX/XX/XXXX and payment documentation from XX/XX/XXXX-XX/XX/XXXX. In all of the correspondence we have had with SLS, not once were we notified of an outstanding balance or have been asked to make a payment more than our current monthly obligation.

This mistake during this transfer of lender service to SLS has caused a significant burden to our family and your actions through our initial encounters to discuss, review, and resolve this issue have been less than helpful.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses removed
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, I attempted to request a credit line increase on my Best Buy credit card issued by CITI. I attempted online and after I entered all of the information requested, it prompted me to call. I called and answered the same two or three questions with an associate who then pulled my credit and said my request was denied because my phone number did not match what was on my XXXX. I never provided a phone number and the number I called in from was a number I had on file with them for 10+ years. The associate would not provide me any details and told me to dispute it with the credit reporting agency but refused to tell me which one of the 3 they got the bad information from. I asked to speak with a manager who was as much of a broken record as the first person I spoke to. I told her that no one asked me for my phone number until after I was told I was denied because of my phone number not matching my XXXX. Again, she told me I needed to take my time and dispute with all 3 credit bureaus because she didnt know which reporting agency provided the information. 

I spent my time today trying to figure out what phone number was on file with XXXX because that was the Bureau that shows a hard inquiry from them on XX/XX/2023. I called and spoke with someone who advised me there was no phone number on my XXXX and they disputed the inquiry for me. 

It was a tremendous waste of my time and whoever is answering the phones at CITI and their managers should be educated enough to have a conversation with a customer. There are dozens of other attributes on my credit report that I could have verified. Additionally, I still dont understand what they meant when they said my phone number did not match my credit report, match what? They never asked me to verify my phone number and again there wasnt one on the XXXX they pulled, XXXX confirmed that!
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (CA)

I have been requesting that LCI send me a copy of my personal file and FREEZE AND DELETE my file which is my right. 
I have also asked secondary reporting agency XXXX, XXXX, XXXX, XXXX, ect to to do the same and everyone has immediately without question but LCI believes they are above the law and can violate my rights whenever they want. 
I have sent them certified mail left phone messages ect and they tell me I need to contact XXXX. Lets be clear LCI is a secondary credit reporting agency and XXXX is a credit bureau. They are separate entities and I have every right to get a copy of my personal file from LCI as well as have LCI freeze and delete my personal file with them. 
I then went to opt out of LCI on XXXX and was sent to a website in which LCI says I can get a copy of my personal file I can freeze and delete my personal files with them. 
From LCi site they write the following You may opt-out of your data being shared with third parties or request access to your personal information by submitting the form below. 

You may also call us on the number below to request access to or deletion of your personal information. 
PHONE XXXX I fill out my name and email and an error keeps coming up. I called left messages aand once again NO call back.
Consumer complaint received 2023-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (GA)

I applied for a loan for some emergency assistance due to assisting my partner with legal issues. The loan was for XXXX $ for an 12 month term. I was under the impression it was being repaid in an affordable once a month payment of XXXX $ and each week XXXX $ is being taken from my account. Making it to where I cant afford rent.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My account was closed when I inquired about increasing my credit line to cover a medical treatment that I was receiving. When I spoke to several managers about the issue they failed to provide me with any remedy for my urgent matter. I wrote a letter to the CEO on XX/XX/2023 and I'm still waiting for a response.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (KY)

I'm in process of getting misdemeanor on my background expungement and two employers I didn't pass the back ground I really need these jobs they go through first advantage and they went back further than XXXX years for XXXX  XXXX and XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a Victim of the Equifax  Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I applied for card and was denied a month later IT somehow was approved after being denied and account was opened without my knowledge ans the fees and interest is being charged even though I never got a card or information on this account I assumed I wasn't going to get it being denied and a month later approved
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (ME)

On XX/XX/XXXX th I was charged for a purchase that I did not make. On XX/XX/XXXX I noticed the charge and filed a dispute with my banking card. They told me they would get back to me within 48 hrs. They got back to me and stated that their was an error and the retailer credited my account and the credit was received on XXXX XXXX there was no credit received on the XXXX XXXX XXXX XXXXXXXX when I didn't file a dispute until XX/XX/2023. I tried several times to resolve this with no results
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

This is a complaint against Truist bank. I have a checking account with them and few weeks ago when i logged into my account i noticed some unauthorized transactions. I called Truist and i reported to them immediately. After the investigation they concluded with a full credit back to my account and i thought that they saved the day. Only to find out that now they have locked my account and i can not use it in any way. I do understand that this is for the security of my account and for anything similar not to happen again but they dont allow me to open new account or close this account unless i go to a branch. I would easily resolve this if i was in XXXX  right now. Im XXXX and i dont intend to take a 12 hour flight and bear the expenses just because they can not do this over the phone and email. They have no right to lock my funds indefinitely and ask me to go to the States to open new account there. I want only what belongs to me, my funds back and no further business with truist
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One Credit Card I applied for credit and was denied. 
I was told I could only obtain a secured credit card which I had to first deposit money onto. 
I was able to spend what I put on the card only. 
After ordering a replacement card somehow they are now saying it was credit instead of the secured card that I deposit money on. 

I asked for copies of transactions and I asked for a statement of the credit that was supposedly given to me. 
They provided the copy of transactions but not the initial credit agreement they say I was given. 
This was my first ever secure credit agreement. 
I was never given credit. I was originally denied. How could I obtain credit out of nowhere?
Consumer complaint received 2023-11-26
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 (MA)

I have tried using 3 American Express virtual reward/gift cards adding up to ~ {$1500.00}. In most cases, the cards are declined at most retailers online ( e.g. XXXX, XXXX ). I've tried to have this resolved via American Express ' customer service, but have not reached any resolution. Unfortunately, I believe American Express is doing this purposefully and this may be a scam. I would highly recommend investigating AmEx 's gift card practices.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However. I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported items ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting. timeliness of claim, timeliness of reporting. ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards. demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer.

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claims ) and/or debts ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly! please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported items ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

HELLO, THIS COMPANY CREDIT ACCEPTANCE IS REPORTING AN ACCOUNT WITH MY NAME AND PERSONAL INFORMATION ASSOICATED. THIS ACCOUNT IS NON-COMPLAINT WITH METRO-2 THIS COMPANY REFUSES TO REMOVE THE ACCOUNT, IN IT HAS ALREADY BEEN REMOVED BY XXXX, XXXX, BUT CREDIT ACCEPTANCE REFUSES TO UPDATE THE CORRECT INFORMATION WITH EQUIFAX INFORMATION SERVICES LLC 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please DELETE from Credit Report
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

In XXXX of 2023 I applied for an apartment XXXX XXXX XXXX in XXXX XXXX Ct. The apartment that I applied for wasnt the apartment that I wanted because it was too expensive. The website forced me to apply for the apartment that costed XXXX. I then emailed the apartment manager and told her I didnt want that apartment I wanted the cheaper apartment. She then told me that was ok with her and it would be ready for XX/XX/2023. The apartment for XXXX would have been ready for XX/XX/2023. I was ready in XXXX. I was called by someone in XXXX and told that I wouldnt be able to get my security deposit back so I called Wells Fargos customer service and asked if they can dispute my charge since I wouldnt be able to move in and it was a scam. I was told yes so Wells Fargo started a dispute. I havent heard anything else back from the bank so I called and when I called I was told that I was sent a letter that I never got back. So not only was I forced to apply for an apartment that I couldnt afford but I was also told I wouldnt be able to get my money back. Upon further research this apartment concierge they have had many issues brought against them. I would also like to point out that i had a friend go look at the apartment as well. I asked the property manager how much was the rent and she herself stated between XXXX. I went to check my welcome package and the rent was actually XXXX XXXX Way more than I was ever willing to pay and from my conversation with the property manager she knew I wasnt willing to pay that. Online it has one price and when u get the welcome package theres another price.