davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2016-06-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Skopos Financial, LLC (NC)

I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (CA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 XXXXXXXX XXXX - XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Unable to log into my Equifax account to lift a credit freeze. I've been trying to login to my account for four days, and each attempt ends with their system telling me my account is locked.

I've called Equifax three times this week, and have gone through three of the exact same steps to reset my password only to find out that my account is still locked.

Earlier this week I was told the system was having problems, and to wait 24 hours multiple times, but after waiting 24 hours my login credentials still did not work. Upon my last attempt to login, I was told the system has been having problems with accounts for over two weeks. No one I spoke with could unlock my account. They told me they had to transfer me to a department who didn't take calls to get my account unlocked.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

It started XX/XX/XXXX I deposited my work check into Huntington I red the guidelines since it was past business days it said rounds would be available that coming Tuesday I was ok with that I had a few $ to hold me over come Tuesday night I received a email saying there a XXXX day hold on my deposit and when clear they let me know in which I started reaching out to bank Wednesday XXXX trying to understand I been with bank for XXXX yrs I pay day care I have to get back in fourth to work my son catch XXXX home no food so of course panic I called in XX/XX/XXXX first agent nice connected me to a XXXX that deals with deposit freeze her attitude was XXXX Im asking questions she acting like Im interrupting her day she provide no answer and was condescending at the end I said u dnt have to be a XXXX because im inquiring about my money like XXXX i XXXX my check it said nothing about a XXXX day hold unless fraud I been a customer no money was provided and im looking at my statement can see the deposit in green there subtract funds but money unavailable to me she says oh since you XXXX im closing down ur account I said ok fine wat about my money she hangs up I immediately call back XXXX agent nice so no problems I explain what happened they connected me to a supervisor I explain what happened including what I said she assured me my account was fine and explain the hold better i realize not nothing I can do I said ok i asked her bout my account closing she said everything was fine no to have no worries come Thursday I still receive no email saying my deposit cleared agent put me on hold for bout XXXX min comes back and say oh we gon na release the hold I say fine from XXXX my money finally available im using my card everything fine come XX/XX/XXXX I go to use my card around XXXX at work hungry card not working I go to XXXX machine not working so Im jus stuck I dnt get off til XXXX XXXX blowing up hunting I keep getting were unavailable after XXXX i go to hunting machine to withdraw it refused to give me $ so in the am XX/XX/XXXX also pay day ( which I should of received on Wednesday for 2 day early pay but didnt ) I go to branch to see whats going on Im informed they closing my account Im looking at my direct deposit in green but she said I can only take out XXXX cuz it wasnt cleared tho Im looking at the deposit in my account she said to come back in the am she be able to give me my money treating me like a criminal I asked for the number to report this they refused she said she could give me my money that Im looking at in my account but I say ok XX/XX/XXXX at XXXX I get a call from XXXX XXXX XXXX XXXX indicating they sent it back to my employer so here we are today XX/XX/XXXX my money nowhere to be found and Im supposed to just wait it hasnt been sent back to my employer its been XXXX business day plus the weekend where my money and how are the bank allow to play with people livelihood
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

I have a new servicer. The servicer is trying to gouge me with extra charges to make a payment. The automated system does not work. They force me to use a system that charges. I do not want to set up automatic payments because I am living on the edge and can not guarantee payment every month at the same time. I have XXXX and this causes me to XXXX with automatic payments. I asked for the system that makes payments for free. They tell me only the automated system does that, but if it does not work, then I will have to pay, or set up automated payments. They are XXXX  me, and XXXX that they can charge what they want, and I will have to pay, because it is legal to do this. They give me no other option, even though I have XXXX and feel it is too stressful to have automated payments I can not guarantee. I am being gouged. Last month they took XXXX dollars from me. I feel it should be returned.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I XXXX XXXX XXXX has tried to address this situation with XXXX XXXX  I withdrew my initial complaint because I did get a call from XXXX XXXX XXXX  and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have two other accounts thats open with XXXX XXXX  so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with XXXX and transunion who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records transunion so please address this problem thats holding me and my business back from moving forward XXXX  can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX I recieved a call from XXXX XXXX XXXXXXXX. I did not know they dont call. They said did you make a XXXX  payment to XXXX XXXX of {$1200.00} and {$790.00} this mor? no, i didnt. so they said we are transferring you to XXXX XXXX  dept.They then said we have to verify your account and need you to put in this name of our supervisor and these numbers.So i did not realizing i was transferring funds to them. After XXXX hours of trying all kinds of numbers and verifications they said we cant do any more tonight, we will call back tomorrow and they did. Still not realizing this was a scam i went through simular procedures but my bank stopped XXXX of tries from them so they said we will call back tomorrow which would be Fri the XXXX. I became suspicious after seeing my bank acct. minus {$3500.00}. I called XXXX XXXX XXXXXXXX and they said they were going to submit a claim. After a week they gave the {$3500.00} back but took it out again same day. Then they put XXXX back in and so far it is still there. They said that XXXX and XXXX XXXX would not refund money so I lost {$3500.00} so far. The scammers did call back but i blocked them and didnt answer. I also filed a police report here in XXXXXXXX XXXX, contacted XXXX and XXXX. I would love to get my funds refunded and stop them from hurting anyone else.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX we received a letter from Capital One Venture Card stating that our account had been closed on XX/XX/XXXX due to inactivity. To our knowledge, this was the first notification we received about this. On the same day, we called Capital One and spoke to their representative and a supervisor. They informed us that we lost all of our points which was well in excess of XXXX XXXX XXXX. Capital One said that even if we opened a new card, our points would still be forfeited and that there was absolutely nothing that could be done to rectify this. On XX/XX/XXXX we wrote to their complaint department and copied to their XXXX offices appraising them of our complaint. We received a phone call back stating that our complaint was denied. 
Our lives, like everyone else, were greatly affected during the first three years of the XXXX XXXX and we stopped traveling. We also limited our use of this credit card for personal reasons. If Capital One had sent prior notification that we were at risk of having our account closed, we would have taken immediate action to use the card. To our knowledge, we never received this notification. Those points were earned over many years of faithfully using our Capital One card and we should not be forced to lose our points in the manner in which this was handled. We were never delinquent in our payments, and are only guilty of not using our card in this most unusual time of the XXXX XXXX. We are elderly people who need these points to permit us to resume travel again. We had previously booked flights to XXXX using our Capital One card but had to cancel this trip due to the XXXX, so the points were placed back in our Capital One account. We would gladly open a new account, if in fact, our old account can not be reopened. However, we feel that it is quite unfair that our hard-earned points should be lost without prior notice and that as ideal customers we should be penalized and treated in this manner.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau (LA)

There are three separate accounts listed on my credit from Account Control Bureau. I have asked for verification of debt with signatures, which i have yet to receive. I have spoken with personnel from the said company on several occasions. I have reason to believe my HIPAA rights have been violated. The alleged accounts are as follows : - XX/XX/XXXX- {$140.00} - XX/XX/XXXX- {$57.00} - XX/XX/XXXX- {$850.00}
Consumer complaint received 2023-02-23
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MT)

XXXX XXXX XXXX calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and XXXX tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I received notice in XX/XX/XXXX that I had an unpaid balance on a Citibank Sears account ending in # XXXX. Upon receiving this notice, I called the number provided and learned that purchases had been made without my authorization on what I had believed was an old account that I had closed. I no longer had a physical card and therefore do not know the account number. Sears has repeatedly refused to provide XXXX since I learned of this fraud. I immediately opened a claim with Sears CBNA ( claim number XXXX ). Since that time, I have been given different accounts of the amounts owed and manner of resolving this issue. Despite my assertions of fraud, the account was sent to Collections. In XX/XX/XXXX, after being unable to resolve the issue with Sears Citibank and receiving contradictory instructions, I made a report with the Federal Trade Commission ( FTC report # XXXX ) reporting that I was a victim of identity fraud and fraudulent charges had been made on what I believed was a closed account. I also began to contact the three credit bureaus individually to dispute this charge and discovered I was a victim of XXXX 's breach ( XXXX claim # XXXX ) and my personal information had been compromised. I had learned that partial payments had been made on this account with the use of a debit card. Therefore in XXXX, as instructed by Citibank, I sent a packet containing copies of my bank statements showing I did not make said payments. Included in the packet was also information regarding my driver 's license, social security number, XXXX claim #, FTC Report and a summary of what had transpired since XXXX. This packet has since been sent several times to Citibank due to their lack of response and repeated assertions that they had not received the packet. I also retained an attorney who also sent the packet several times. Beginning on XX/XX/XXXX I and my attorney have requested copies of any statements, delivery addressee, charge slips, investigator 's summary and any other information regarding these fraudulent transactions. These requests have been made verbally and in writing. To date, we have not received any information despite repeated assertions that they will be sent. Moreover every time I call to determine whether the items are sent, I am informed there is no record of the items being sent. I have requested several times to talk to the investigator who I am told is named " XXXX '' but am refused access to her. In one of these many calls I was able to determine that the physical address on the account, the email address and the security code to gain access to the account had been changed and were not mine. Since XXXX of XXXX, this issue has yet to be resolved. I am given a different response every time I call, I am not given a status of the investigation, and am told a different account of what should happen every time I call.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (PA)

Was charged {$570.00} miscellaneous fee on my XXXX statement. Called and was told it was for a repossession fee however my car was never repossessed. They are refusing to take the charge off and this is the second time I have dealt with them either trying to illegally take money from me or " losing '' payments that I have made.