davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (CA)

I have contacted all 3 credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
Consumer complaint received 2023-12-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (FL)

I moved at the end of XX/XX/2023. 
I asked Synchrony XXXX of XXXX. Tx, to update my account address. 
I called & spoke with the Synchrony IRA Dept multiple times, including XX/XX/23 & XX/XX/23. 
Plus I sent in the proof of a new addressXX/XX/23. 
A call to their IRA Dept today resuted in their refusal to update, they said the forms & proof were received by them, but now I had to receive a text ( which I do not do ), plus my drivers license, a photograph of me, & other documents. Its obvious their attorneys are driven to mist-treat XXXX  who do not use cell phones/texting. I have other XXXX XXXX  ( XXXXXXXX ) & they specifically allow us to do changes over the phone or via simple letter. Synchrony prefers fraudulent ways of blocking IRA holders from their funds.
Consumer complaint received 2023-11-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NY)

I thought I was trading with the company and my wallet was connected using the Crypto.com XXXX XXXX. As crypto.com was a legitimate platform I never thought it could be a scam. I informed crypto.com about the scam that occurred and requested their help. They rejected my request stating they have nothing to do with it. 
On XX/XX/2023, I sent my dispute letter to them, and On XXXX XXXX they informed me they have worked under their terms and condition and they can not help me. On XX/XX/XXXX I sent them another challenge letter and requested to look into the matter in more detail. They replied me back with the same response. 

A total amount of XXXX USD has been scammed from me using the Crypto.com XXXX XXXX starting from XX/XX/2023. I traced my transactions and movements of the currencies as well and even submitted the report to Crypto.com
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Lennar Financial Services, LLC (MN)

Hi, I worked with a mortgage officer at Lennar after speaking with one of their sales person. 

After we toured a few homes, he ran my credit for a FHA loan for a total {$370000.00} at a 4.99 % ( promotional rate ). 

Once we were pre approved and preparing our purchase agreement, the sales person then said that we can not get the XXXX price and the 4.99 % rate. 

They then explained that I would have to pay XXXX to buy down the rate to 4.99 % or pay the market rate at the then initial agreed upon price of XXXX. 

I have a pre-approval email from Lennar for XXXX at the 4.99 % rate that they refused to offer. Once I explained to them that this is upsetting and completed by acceptable, their mortgage officer was also extremely rude to me and questioned my gender and said that I need to be a man. Not sure what my gender had to do with the application. This was very condescending and discriminatory. 

The XXXX price was never talked about during our initial pre-approval. Even if the XXXX price was talked about it doesnt make sense why they would run the loan at XXXX with 5 % down. The math wouldnt have added up. I feel as if this is a classic bait and switch scam. I would have never applied for the loan at XXXX. 

Lennar dinged my credit simply to waste my time.
Consumer complaint received 2023-08-27
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 (VA)

XXXX FTC : This is a report of fraud by the Capital One green Spark Business credit card in XXXX ) aiding and abetting the fraudulent car dealership XXXX XXXX XXXXXXXX in XXXX, and XXXX ) implementing institutional policies to # whitewash or obstruct an appropriate credit card dispute investigation. In late XX/XX/2023, XXXX XXXX XXXX sold me a used vehicle that did NOT pass XXXX  state safety inspection - and the illegal business relationship has since been uncovered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I am on social media and alerted my XXXX, XXXX police & my credit card companies starting XX/XX/2023. Also, I no longer have the car ( it was returned XX/XX/2023 ). 

Of the {$5000.00} that I paid to the dealership, {$2500.00} has been returned via my other credit card while Capital One continues to turn a blind eye. Today, I closed the account with Capital One and cited the Federal Fair Credit Billing Act ( FCBA ) - " the Act limits liability of consumers for transactions by unauthorized users to {$50.00}. '' The Capital One credit card dispute number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Account Number XXXX On XX/XX/2020, I XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, located in XXXX, NJ. Unfortunately after further review the vehicle was unsatisfactory and realized there was information about the vehicle that wasn't provided at the time of purchase. When I took the vehicle for a test drive I informed them that the vehicle kept shifting to the right. I asked that the issue be fixed before I agreed to buy the vehicle and they agreed. When I returned to purchase the vehicle everything seemed fine. About a week later the vehicle started shifting towards the right again. Took it back to the dealership and explained that the car still had the same problem. After further investigation I looked up the VIN number and realized the vehicle had been in an accident on the passenger side and this information was not provided to me at the time of purchase. I was accepted for a loan thru Credit Acceptance in the amount of {$19000.00}, after looking into it I realized that not only was the car not worth that price, in top of multiple hidden fees, the price on the car was raised. On XX/XX/XXXX  the car was listed at {$13000.00}, on XX/XX/XXXX  {$13000.00}, and XX/XX/XXXX  {$17000.00}, which is when I purchased the vehicle. Not to mention the {$200.00} cash I had to pay for my registration and plates. 

Furthermore, after I stopped payment on the vehicle, not only did they call everyday, they even sent a check book with my Credit Acceptance account number preprinted on it, with a letter stating that it was to help with payment of the vehicle. I eventually voluntarily surrendered the vehicle and it has caused a very negative impact on my life and on my credit report. 

I managed to pay {$11000.00} towards the debt, and brought down my outstanding balance of {$25000.00} to {$14000.00}. The fact that not only was the price of the vehicle raised by {$4300.00} at the time I purchased it, an extra {$1700.00} was tackled on top of all that, plus the outrageous interest fees I was being charged. At this point I feel since the original price of the car was {$13000.00} six months prior to the day I bought it, I have satisfied what was owed on the vehicle. 

At the moment I do not have a steady place of residence so please email any correspondences pertaining to this matter to my email address XXXX. 

Thank You
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (FL)

I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

My account was blocked on XX/XX/XXXX because of a cashier check {$48000.00} deposit. Citibank stated that they needed to verify the check or my account will be closed and won't release the funds. I have been calling Citibank trying to resolve the issue to no avail. The cashier check is from Citibank and the remitter is a Citibank customer as well. Citibank is stating they can't verify the check and therefore won't release the funds. They are fradulently withholding funds because they can easily verify the check because Citibank is the issuer of the cashier check. 
CASE ID : XXXX
Consumer complaint received 2023-11-10
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. (MS)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (FL)

Zwicker & Associates, P.C. 
XXXX XXXX XXXX XXXX, XXXX  XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The Zwicker & Associate representative refused my payment. Therefore, on XX/XX/XXXX, I called XXXX and made a payment of {$1600.00}. XXXX took my payment information and sent me an email confirmation of payment. However XXXX did not post my payment. I have confirmation that XXXX took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in XXXX  and XXXX  to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (NJ)

My son passed away XX/XX/2024 suddenly. He had no money, will, estate or property. We provided Honda with a death certificate immediately asking for them to pick up his car. They sent an email back requesting me, his mother to fill out a 4 page form making me responsible for the car. I refused. Then they sent me a letter offering some options to pay off the car, transfer the car or drop it off at a Honda dealership. I explained to them that the car is stick and I can not drive it. They said they would get it picked up. The next day I started receiving phone calls. The unsympathetic person on the phone wanted all my information, which I was not giving her. Her response to this was to tell his grieving mother that they were going to contact us, every day, until you obtain all MY information. I am not their customers. The signatures on the documents signed for the loan were XXXX XXXX signature, no co-signer. I went to the dealership where he bought the car last weekend to try and get help. I was assured by the manager he would get back to me Monday, nothing. I contacted him this Thursday and he said he'd call me later that day, nothing. Honda is now contacting my daughters for their personal information. We are requesting, in accordance with Federal and NJ law, for help with getting them to pick up his car and stop harassing us. Every time they call us, it reminds us that my beloved son, and their brother, is NO LONGER HERE. The car is at the address listed on his loan. Ready and able to be picked up by the loan holder. I'd appreciate any help you can give me with this unbelievably unsympathetic company.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK (VA)

I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

In XXXX XXXX XXXX, XXXX XXXX XXXX reported a balance of {$440.00} to all three credit bureaus. I paid {$100.00} in XXXX, which brought the balance down to {$340.00}. PDM has not reported to the credit bureaus for three months. On XX/XX/2023, I filed a dispute with XXXX stating that they were reporting the wrong balance for my account. XXXX finished this dispute, and they stated that PDM has verified that my balance is still {$440.00}, and no payments were made. Because I provided XXXX proof of payment, they opened another dispute. PDM intentionally reported false information. I reached out to PDM and spoke with XXXX XXXX who was nasty and started a fight because he knew he was wrong and could not give a valid reason as to why they reported false information when they knew I had made a payment. I recently made a {$200.00} payment, so my balance is now {$140.00}.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

piggybacking of my last complaint where they still won't put me on standard repayment plan I've been approved for months ago, the auto debit is still pulling the graduated payment amount when it actually is pulled ( i can't add to this because it will just pay me ahead instead of pay down the principal - I'm paid ahead until XX/XX/2024 - why? i asked them in writing to distribute extra money given to highest interest, etc. [ using cfbp template and it's still not happening ] ) anyway now they told me they'd fix it, I'll pay the standard amount ( still not true ), then they applied me to an IDR plan ( that I didn't ask for ) and put me in admin forbearance ( that i also did not ask for. I am NOT having trouble paying... i can NOT do PSLF, there's no reason to be on IDR I want to pay more. ) that was background : today i go in to pay off a specific loan, since they can't seem to distribute my payments so I'll pay off the whole loan with the lowest balance. well, that loan is technically on forbearance -but tell me why it's been gaining interest this whole time? and how when I had to do the payoff amount it included TODAY 'S interest. HOW? " they aren't accruing interest '' according to mohela or dept of ed. XXXX please never pay these people ever again
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Upgrade, Inc. (TX)

On XX/XX/2023 Upgrade sent a XXXX to my mortgage company on my behalf in the amount of XXXX. The mortgage company rejected the payment on the same day. Upgrade has yet to return my funds to my account. I forwarded the requested information to them on XXXX at XXXXXXXX XXXX CST, but they are now asking for that information again. I have been patient, however 10 business days is a long time to wait.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

i keep getting an error that states " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. '' i have been denied an auto loan by a credit union and a personal loan by a different institution because they haven't been able to verify my identity because they cant access my credit report from equifax. 

i contacted equifax by phone over a month ago and they sent an email to the technical team but nothing has been resolved. i hace called the call center again and they told me that there is nothing they can due till the issue is resolved. this is affecting my financial well being and i am in the process of contacting a consumer law attorney.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check ( via the Chase phone app ) from a family member for {$16000.00} on XXXX XXXX. The funds were withdrawn from the family member 's account on XXXX XXXX. Chase initially placed a 3-day hold on the deposit and has now extended that to 10-days, until XXXX XXXX for no legitimate reason. I called Chase and they claim the XXXX hold is 'random for fraud prevention ' ( i.e. no specific reason to believe this check is fraudulent ) and they can not clear a check without phone verification from the issuing bank, in this case XXXX XXXX. According to Chase, XXXX XXXX  does not do phone verification, therefore they can not change their 10-day hold. When I protested this and asked to speak to a supervisor, they simply repeated their message and hung up on me! This is utterly absurd and fraudulent as Chase has ALREADY RECEIVED the funds from XXXX and is earning interest on the $ XXXX in MY MONEY they now have. The funds are already in Chase 's accounts, so why do they need to have XXXX verify by phone. This would make sense 30 years ago if the funds were in 'transit ' for a week, but in the current electronic banking era, this is just an excuse so that Chase doesn't have to pay interest on this deposit for XXXX. Across millions of accounts, this equates to Chase robbing millions of dollars from helpless customers. Please investigate this abuse of power and illegal theft by Chase. Thank you.