davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (GA)

I alerted NFCU that when I went through the credit application process ( Which according to their disclosure that they sent me which states that electronic messages are considered " writing '' ) that I gave them a security and a tendered payment with instructions of how I wanted them to proceed with my application. I also included a POA document as well as informing NFCU CFO that I wished for my bill to be administered for set off each and every billing cycle. I was denied. 

According to Section 16 of the federal reserve act specifically where it addresses an application for notes, that in any application for notes what is applied for should be exactly what is received. I also became informed that the agent ( the CFO ) is compensated when my application and tender of payment they deposit it to the treasury. 

I do not understand how if I have trusted NFCU with my security ( my SSN ) how i do not receive a benefit when they have been compensated during the process and how I can possibly be being denied for a credit card To my current knowledge I believe this is a breach of fiduciary responsibility, as I trusted NFCU with my private information ( my SSN & tendered instructions ) but I was still denied I also altered NFCU that I was the Agent acting on behalf of the principal for which they did not respect the capacity for which I was acting ; My opportunity to act within good faith was never respected by NFCU, however they continued to say I was not worthy of credit, This to me is evidence of discrimination prohibited by the Equal credit opportunity act
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C. (GA)

I vaguely remember applying for the XXXX XXXX XXXX but I know I never activated or used this card. I have spoken with the collection agency asking for proof of transactions.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 updated : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (DC)

Every month I make my payment on time. At one point I had paid ahead of time and Carmax stated that I had missed an XXXX payment and I had not missed this payment. The statement for that month reads as if no payment was made. This error really caused confusion, but I still continued to make payments for the next month- XXXX. In XXXX, I was billed twice for a payment and it caused my bank account to be overdrawn and I owed a balance of {$29.00} and Carmax has yet to return those funds to me. I called on the XXXX of XXXX and made another payment of {$500.00} for a total of {$1000.00} for my XXXX payment and the bulk of my payment went towards finance charges again. My normal monthly payment is {$870.00}, but I sometimes pay a bit more to try to lower my principal balance. Carmax has a policy were you are supposed to make your normal monthly payment, but for any extra payments made, you have to call the next business day and ask for the extra payment to be placed towards the principal balance. This never happens because an excuse is made by a representative as to what you did wrong. Furthermore, I dont think a customer should have to do this each time. My primary issue is that Carmax is not dividing my payments equally towards my principal balance and my finance charge that accrues daily. When I signed my loan, I didnt know that there was no set finance charge for my loan. I feel like this was done so that it will take the customer longer to pay off the loan. I have had my vehicle for a year and paid every month on time and made extra payments and I have only paid off about {$5000.00} on a XXXX loan. I am being charged almost double for the vehicle I purchased. I also cant refinance the vehicle with my bank or anyone other company because of the type of loan I have. The vehicle is also less than what I paid for it. When Im done paying for the vehicle in 2027, I will have paid about {$52000.00} and the vehicle is only worth at this time {$15000.00}. I feel like I was ripped off by Carmax.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2023-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (TX)

The following information is the account information and the amount that is supposedly owed by me. 

The account is from XXXX Acct # XXXX with a balance of {$1100.00} I am a victim of identity theft and fraud and have never had XXXX. I have been a customer of XXXX and XXXX XXXX XXXX. I am submitting a copy of my police report with my local police department. 

Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof of the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per fcra. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without it, it must be removed as per fcra. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter or email communication. 

I look forward to hearing from you soon. Have a wonderful day.
Consumer complaint received 2023-12-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

XX/XX/XXXX I emailed the vanilla gift card company ( XXXX ) after I submitted a dispute on an unauthorized transaction on the gift card given to me for my birthday. It was {$100.00} worth and when I opened it up and tried to use it at a store it declined because someone scammed and used it on my actual birthday ( I hadnt even received the card yet at that time ). It has been XXXX weeks with no response or update. Their customer service representative and I talked once and they only said it would take XXXX days to resolve but I want my money back now. I have continued to email them XX/XX/XXXX and XX/XX/XXXX no response as well.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, 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. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2016-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My husband has XXXX and has been out of work since XXXX XXXX and the loss od our daughter in XXXX as well. We have falling behind in our mortgage for XXXX, XXXX, XXXX and now XXXX. We have call Nationstar to and applied for a loan modification and was denied in XXXX XXXX. We not sure if we are in foreclosure yet, but we need you help. Our complaint is this company Nationstar is rude and will not work with us, they are trying to push us into losing our home. We called hope hot line and spoke with XXXX XXXX at XXXX our client number is XXXX and our mortgage rep told him no they want XXXX payments. 
Nationstar rep is XXXX XXXX XXXX ext XXXX we do n't no what to do. We been in do n't want to loss our home. My husband is sicken and cant sleep. we tried to make a payment yesterday XXXX XXXX, XXXX and it was reused. Please help us.
Consumer complaint received 2018-08-06
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: Credence Resource Management, LLC (FL)

All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of CREDENCE RESOURCE MANA reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Closed Payment Status : Charge-off Status uploaded : Balance : {$610.00}
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WA)

I received a letter purportedly from XXXX XXXX dated XX/XX/2018 informing me of denial of my credit application for a XXXX Preferred Floor Covering account, as my XXXX credit file was inaccessible. ( It is frozen. ) I have never applied for credit with XXXX XXXX or through XXXX XXXX XXXX. 

I called the number in the letter XXXX and was asked for my social security number to proceed, so I hung up. 

The is no record of this attempted credit application on my XXXX   account.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (AR)

I was sent a refund from PayPal to credit karma on the XXXX of XXXX and today is XX/XX/XXXX and I still havent received my refund!!! I have called both companies MULTIPLE times and I get nowhere with them except being told to contact the other company I have asked for the transaction to be cancelled and still nothing!!!! I want my money back in my PayPal account ASAP
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.
Consumer complaint received 2023-04-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-09-15
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. (PA)

I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX vall Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A. (GA)

I have a Citicorp credit card ( issued by Sears ). The Citicorp overseas reps that I made my payment with did not log my payment in on time. Subsequently, after paying on time every month, Citicorp refuses to accept responsibility for the error of their off shore account reps and the language disparity that exists. 

I was told by a VP, XXXX, that I could not get help because he did n't have to. I told him that I wanted the late payment removed. I do not owe any money and refuse to ever do business with them again. I feel that there is systemic racism in correcting their error. XXXX was My account ends in # XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IN)

Complaint : Associated Bank has failed to pay out a {$600.00} promotional bank bonus to me within 120 days for opening a new checking account. 
XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at a XXXX XXXX branch on XX/XX/23. I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/contacts within the bank who have authority to escalate and render a solution. She says the matter is fixed, yet I wait, the bank remains silent and does not pay the bonus. I sense the bank is simply stonewalling.I have fulfilled the XXXX XXXX XXXX of the promotion to qualify for the {$600.00} level bonus and desire for this bank to fulfill their legal obligation to pay the bonus timely and without further delay. This request is reasonable. 

My wife is also in the same situation with her Associated checking account and will file a separate complaint with same facts, as our accounts were opened at the same time.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

I am writing to bring to your attention a concerning issue regarding a recent transaction involving my PNC Bank account. My name is XXXX XXXX, and on XX/XX/2024, I received a check issued by XXXX XXXX XXXX, which I promptly deposited into my PNC Bank account located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 

Here are the relevant details : - My PNC Bank checking account number is XXXX, and the routing number is XXXX. 
- Although my account was originally opened in XXXX XXXX, New Jersey, both PNC Bank locations, including the XXXX in XXXX, Maryland, fall under PNC Bank , National Association - # XXXX. 
- The deposit was made from my current home address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 
- My Social Security XXXX is XXXX. 

Upon depositing the check, I specifically instructed the PNC Bank teller to stamp the back of the check as a deposit only. I refrained from signing the back to ensure compliance with all regulatory requirements for a consumer check deposit. Subsequently, I verified with PNC Bank that the funds were available for withdrawal, and they confirmed that the issuing bank, XXXX XXXX, had released the funds. 

Over the course of several days, I made purchases using the funds, which amounted to several XXXX dollars. However, on XX/XX/XXXX, my account was unexpectedly overdrawn by the exact amount of the check, {$4900.00}. When I contacted the PNC Bank fraud department, I was informed that the issuing bank had recalled the funds, and PNC Bank had initiated the withdrawal without notifying me. 

This situation has left me in a precarious financial position, as I now face difficulties meeting my upcoming financial obligations, including my mortgage, car payment, and other essential expenses due on XX/XX/XXXX. 

I strongly believe that PNC Bank 's actions in withdrawing the funds without prior notice or authorization are unjust and potentially illegal. I never agreed to a credit line of {$4900.00} overdraft, and PNC Bank 's failure to inform me of any issues with the check or potential risks has caused significant harm. 

Despite my appeals, PNC Bank has refused to credit my account and has directed me to address the matter with the issuing bank. I contend that, as the bank that posted and approved the funds, PNC Bank should bear the responsibility for rectifying this situation promptly. 

I kindly request your urgent intervention in resolving this matter and ensuring that PNC Bank adheres to legal procedures that protect consumers such as me. I am seeking the immediate return of the wrongfully withdrawn funds to my account totalling {$4900.00} that were in my personal domain at my account solely under my control. It is against my wishes and that PNC Bank acted illegally in this banking transaction.