davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (MD)

I sent documents to Dealer for XXXX XXXX refund. GM Financial has yet to receive Check from Gap insurance. The longer they wait the less the refund will be. I believe this being done intentionally, because when I bought the car a headrest was missing, and I was told it would be replaced in writing, which I signed. When I got home that was the only document missing. I called them and was told to come back multiple times, no headrest on promising, they would replace, or purchase another one. Never happened. The Associate who handled both, Gap, and XXXX is XXXX XXXX XXXXXXXX XXXX  7XXXX XXXX XXXX ext XXXX, fax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never, or was late since I've purchased this car
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber home loans are making people pay for things that they should not be paying for. I have a mortgage with them and they require me to have a homeowner 's insurance policy that includes coverage of certain things. The fact is that I also pay for insurance through my HOA that covers the same thing... my hoa policy is a HO3 ( exterior coverage ), so Caliber like other lenders should require me to pay for an HO6 ( interior coverage, which is a lot less ) policy only... .but they don't. They have obligated me to have both policies. I only found out after I purchased my home that this was the case. My neighbors do not have that problem with other mortgage companies. They are all paying for what they should be paying. I have called and wrote, wasted time and effort proving that they are the only one 's doing this and they do not care. They told me that if I cancel my policy that they would buy a new policy and that it would be more expensive and that there is no way around me not paying for it ... ..your only option with caliber home loans is to pay the property off or waste tens of thousands of dollars in unnecessary payments for the lifetime of the mortgage. 
I can not imagine how many people are been charged double and do not know it.

This company is horrible!
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NJ)

I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is XXXX XXXX  and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

A representative from Santandar left a voice message on my phone asking for a call back. The voicemail left detailed customer information. I called to ask that my number be removed from the account because I had no affiliation with the customer or the loan. The Santandar representative ( female /last name XXXX ) refused to do so. I 've never been affiliated with the loan or customers, and believed it was a reasonable request.
Consumer complaint received 2022-10-24
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

I had an account open with Citi for less than 6 months before having it closed mid-travel due to " credit abuse. '' The cited credit abuse is simply a couple of payments getting returned due to timing issues with my payment bank - I had payments set to be paid on a certain day, and Citi was requesting them earlier in the day than my bank was transferring them. This is a lesson to be learned, but I had no warning my account would be closed until I was abroad relying on this card only to have it fully shut off.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - XXXX on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Cit Double Cash MasterCard - ending in XXXX. 

I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 4 statements. 

Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee ''
Consumer complaint received 2020-06-10
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. (AR)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2017-07-17
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: Ability Recovery Services, LLC (GA)

I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against   XXXX   and the creditor because it 's an error and it 's a fraudulent account.
Consumer complaint received 2023-06-07
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. (NC)

This is my other endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX
Consumer complaint received 2017-07-17
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. (AL)

XXXX  THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN   XXXX    XXXX  REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY  XXXX  CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE  XXXX  INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   - XXXX / XXXX /2017- XXXX / XXXX /2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    - XXXX / XXXX /2017   XXXX   XXXX     XXXX   XXXX   AND   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    F  XXXX   XXXX   XXXX   XXXX   AMICO INVESTMENTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXXXXXX XXXX offers a reserve cash reserve .... Payments for ambiguous at best I made my first payment XXXX day late because it was confusion but it was automatically taken from my account the second payment was XXXX times with the first payment was and still have not making sense and they close that account and garnished my XXXX for {$600.00} for the remaining balance which is not I've not been in the rears for 35 days or not made my payments and they said there's no way around it and even the advisor or the manager said there's something wrong and put it to a higher person I need my money for XXXX this is ridiculous
Consumer complaint received 2023-01-09
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. (GA)

XXXX, Transunion, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 2023-01-19
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. (NJ)

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  has violated my righ

ts 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 a account without my written instructions
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (FL)

I noticed an account on my credit report from Optimum Outcomes for {$290.00} and was unaware of a debt owed. I tried pulling up information about the debt but could not locate anything from the company. I used the address listed on the information tab for the company and sent a certified HIPAA and debt verification letter to the company on XX/XX/2018 and have still not heard anything back from the company telling me why I owe the debt, whom I owe the debt to, nor what the debt is for. In the collection tab on my credit report it states the debt was for medical but that is all I can find out. The company was had almost 60 days to verify the debt and has not communicated with me at all. 

Certified letter sent XX/XX/2018 to Optimum Outcomes XXXX XXXX XXXX # XXXX, XXXX XXXX, IL, XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX  XXXX OR XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. XXXX  XXXX XXXX
Consumer complaint received 2024-04-14
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: DIGITAL FEDERAL CREDIT UNION (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On Saturday, XX/XX/2024, at approximately XXXX XXXX, I ordered what I believed to be one ( XXXX ) bottle of XXXX XXXX  for the amount of {$39.00} from XXXX XXXX XXXX. 

On XXXX, XX/XX/2024, at XXXX XXXX, I received a Digital Federal Credit Union Fraud Alert notifying me of suspicious activity on your XXXX Credit Card ending in XXXX and need to review 1 transaction. 

Subsequently, I responded NO to whether or not I approved a charge for {$190.00} at XXXX ON XXXX. 

The following message read Your card has been blocked due to unauthorized use. Nevertheless, the bank paid the unauthorized amount, which I did not discover until late. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

DCU Customer Service admitted that most banks would not submit payment but offered no assistance in helping to mitigate the situation. 

On XX/XX/2024, I filed a Consumer Complaint with the Massachusetts Attorney Generals Office. 

On XX/XX/2024, at XXXX AM, I spoke with a DCU Customer Service Rep ( XXXX ) XXXX to inquire they were unable to unblock the card used during the transaction in order for XXXX XXXX XXXX to return the monies collected after they received the returned unopened package. 

Digital Federal Credit Union has remained dismissive in every way regarding this situation, accepting no responsibility nor helping me to recover the monies they paid to XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (AZ)

Lexis Nexis is refusing to provide my credit report, I sent them my ID, and proof of address and everything else they have asked for, it has been over 60 days and they have not responded.
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for release of property insurance funds issued for damage repairs that began in XX/XX/XXXX and worsened in XX/XX/XXXX after Hurricane Irma. Checks issued to my client in XX/XX/XXXX and XX/XX/XXXXby her insurance company are currently being withheld by Suntrust. Our firm recently became involved in this case and became aware of Suntrust 's refusal to act diligently and adhere by both the Mortgage and FHA guidelines requiring the release of funds for the necessary repairs.

In XX/XX/XXXX, my client received the first check from her insurance company for water damage repairs that required it be endorsed by both her and her servicer, Suntrust. At the direction of Suntrust, she submitted all the necessary documentation along with the check. However, every time my client would call to follow up on the status of the release, Suntrust representatives claimed there were no documents received and requested my client resubmit them. Despite repeatedly resending the documents, Suntrust continued to deny any receipt of documents and/or record of the claim, eventually closing it out. Most recently, the damage was worsened by Hurricane Irma and my client received another check from her insurance company for additional repairs. Suntrust again instructed she mail a package of documentation along with the check. Suntrust engaged in the same pattern, claiming not to have received the documentation, and again closed out the claim without any further contact ( Screen shots reflecting documents received and now reflecting closed attached ). 
I have contacted the servicer 's counsel regarding this issue, however have yet to receive a response from Suntrust. Suntrust continues to withhold the funds without providing any meaningful explanation for there bad faith actions.
Consumer complaint received 2023-03-01
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. (MD)

I applied for a Business Line of Credit ( BLOC ) with Seek Capital sometime ago. The Rep I spoke with ; XXXX, asked for my social security number to check my credit and see if I qualify for the BLOC. Once he saw I had great credit he then said that because my request for the BLOC was so small, he felt it best that instead of me having a BLOC he would instead apply to numerous credit card companies for me. By doing so I would have a number of credit cards that I could pull cash from. When I objected for various reasons he said he would transfer me to someone else who would provide information on a BLOC. However, now I see a number of new inquiries on my credit report.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: First Data Corporation (FL)

We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX