davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (CA)

I purchased a lemon used car ( XXXX XXXX XXXX ) from Chrysler Capital in XX/XX/XXXX. The loan was a high interest predatory loan. Also I informed them.of the misspelling to my name on the loan documents. The car caught fire in the first week I had it I ask for a full refund 2 days after buying the car but was refused. The car had to under go 10 ton 12 repairs within the first 2 months I had it. I also received several manufacturer recalls in the mail during this time. This car was dangerous from the start and indangeraded my entire family. 
The car eventually stopped running in XXXX XXXX, CA and I reported that to Chrysler Capital. I have communicated by phone, emails and certified mail to resolve this issue. The auto loan was sold from Chrysler Capital to Santanders in XXXX without my knowledge or consent. As mentioned above Santanders was involved in a class action settlement/lawsuit due to their involment of predatory lending. I was informed that I was to receive mometary damages and the title to the car within 6 months. It never came. To date I have paid {$17000.00} for a car that never worked. I have been attempting to get the title of my car released but Santanders will not release my title. I DO NOT have a contract with Santanders and any information from Chrysler Capital was given to this entity without my consent. I am still receiving DMV notificatioms for registration fees.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX I paid sent {$5000.00} to a vender via chase bill pay. on XX/XX/XXXX, Vender informed me that they never received the check. On XX/XX/XXXX i placed a stop payment request on the bill pay check. I was notified by chase that the stop payment was completed. On XX/XX/XXXX, I called chase as the {$5000.00} was not credited back. The rep stated that the check was stopped and it took XXXX business days to be refunded and that I would receive the credit that day or the next ( XX/XX/XXXX ). The stop payment was never credited. I called today and was informed that the check was never stopped. that I had to call in to stop a bill pay check. now I have to wait another XXXX days for the credit. Additionally, they refused to stop payment unless i agreed agree accept liability if the check was fraudulently cashed for another 2 days. I was forced to agree to their " disclosure '' or they would not now stop the check. I believe that chase has purposely and intentionally created a difficult process to stop bill pay checks to cause delay in crediting the account in order to hold money that is not theirs interest free. Additionally, they are coercing consumers to accept liability before stopping a check. These terms, conditions, and liability are not disclosed to consumers when opening an account. Their customer service intentionally misinformed me about the status of the stop payment.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (MA)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

I have SEVERAL charges on my account for things I have not ever even used or heard of, Ive tried on multiple occasions to contact the card issuer they never answer the phone or just hang up and theres no way for me to file a dispute online, I have had over XXXX $ taken off this card and Ive tried numerous times to get help I dont know what else to do. I have pictures of how long Ive stayed on the phone and still no help. The main charges happened the months of XX/XX/20 & XX/XX/20 in the month of XX/XX/20 there were 3 separate charges 2 of those were in the amount of XXXX the other was XXXX and in the month of XX/XX/20 I had XXXX $ on there one day and the next it was all gone Ive canceled that card and already have my replacement but I need the money Ive lost
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

Refund from XXXX was being made in the form of the card used on file. Although, the card numbers changed, since I lost the older card. Therefore, the credit in the amount of {$240.00}. Card numbers have changed and cause the credit to be applied.
Consumer complaint received 2022-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE is in violation of the XXXX  for non-compliance to disclosures. They have been notified of the non-compliance of the " XXXX '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the XXXX to the Texas State Attorney General.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (TN)

XXXX reply to me dated XX/XX/2022, in response to my letters, Notice of Rescission, Cease and Desist, dated XX/XX/2022. I disputed the Alleged {$16000.00} debt that XXXX are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that XXXX delete any and all reporting made to any consumer credit reporting agencies. XXXX have clearly failed to address my very specific legal request and are in clear violation of the FDCPA. 

XXXX, XXXX failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of XXXX sending me a signed contract of agreement signed by all parties involved as requested, XXXX mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party. 
XXXX, XXXX failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false.
Consumer complaint received 2020-10-01
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. (FL)

Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX  XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX  XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (SC)

I was a victim of COVID 19 during the months of XXXX, XXXX, XXXX which had my XXXX XXXX crippled with little to no work. Ive called and discussed the matter with them to have the Late payments and no info remarks removed and to be put back to on time never late status. They told me that I will have to dispute it in writing. Ive also paid the balance completely off. I really need this negative and no info remark removed. Thanks in advance
Consumer complaint received 2020-10-01
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 two separate disputes to Experian who have continued to report 2 chargeoffs with information reporting as late on my credit report with a balance. I included court documents showing that these balances were discharged several years ago yet they refuse to update the information. This is negatively affecting my credit score which I have been working to improve. 

I sent in certified letters to Experian who did not respond in the allotted 30 days.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Consumer complaint received 2021-05-31
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. (NY)

1 ) XXXX  XXXX  XXXX XX/XX/XXXX i never authorized this and XXXX is trying to remove this since they did one on XXXX XXXX XXXXXXXX XX/XX/XXXX and the next one is a error i tried explaining that to transunion and they wont help me the following 8 inquiries was never made by me and i told transunion that its fraudulent and they dot want to help me 1 ) XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA") (PA)

I submitted a previous complaint on XX/XX/XXXX to XXXX XXXX XXXX. I was told by them that I have a balance in my escrow account that I would either like to receive directly or use as a principal reduction on my loan amount. The attached letter shows I have a balance of {$10000.00}. The work is completed and the contractor will not be performing any more work at the property. The lender needs the full and final lien waiver from NACA as specified in the letter. 


Sent on XX/XX/XXXX A few years ago I had used a organization called NACA to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/XXXX. The service provider that provided the mortgage through NACA was XXXX XXXX XXXX. The issue I have is that I used the HAND process through NACA to perform renovations on our property. During this process the NACA Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me. I submitted a complaint to the company but did not reach a adequate resolution.
Consumer complaint received 2020-10-01
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. (WA)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc. (NV)

A collection of {$520.00} appeared on my credit report on XX/XX/2020 for a bill that was included in my bankruptcy. I called Credit Management LP on XX/XX/2020 to explain this should not have been reported to the credit bureaus. They told me they would notate that my account was a chapter XXXX bankruptcy but did not give me any resolution.
Consumer complaint received 2024-01-23
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had issues with my primary bank account regarding flagged transactions or ACH payments being returned. Unfortunately this has led to a number of Capital One payments being returned on my account. 

The customer service rep informed me that XXXX payments had been returned in the last 7 months. This led to Capital One closing not XXXX, but XXXX of my accounts with no notice as of XX/XX/24. 

Despite having returned payments, I have never missed a payment and the majority of months have paid my balance due for the month and not accrued interest. 

Capital One gave me no previous notice of infractions, or warning of any kind regarding this. The closure was sudden and unexpected. I even processed another payment to cover all overages yesterday, not realizing that the account had been closed and would be unable to be used.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

My stimulus check was deposited into my checking account and Bank of America has done everything possible to stop me from accessing these funds. Acct # XXXX Routing # XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. At this time they have canceled my debit card. I can not transfer the funds nor acces them in any way. Over the last 48 hours I've called 12 times. They changed my debit card pin number without my approval and placed a fraud alert on my account I did not approve. I have tried everything. I need to pay my rent to stop eviction
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

THE GOLDEN 1 CREDIT UNION XXXX and XXXX accounts have been settled in full since 2019. My recent credit reports are still showing balances that are highly impacting my credit scores and preventing me from getting the credit I deserve. Correct or delete the accounts right away!
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (SC)

I had a secured credit card through Citi Bank. When my payment did not go through ( my paycheck had not been made available ), Citi closed the account. They put my put my deposit towards the amount owed and I began making the minimum payments displayed in the app plus a few additional dollars. 

However, even after receiving the reported minimum payments, Citibank charged me late fees. I attempted calling them and explaining the situation and ask for a resolution but they were unwilling to come to an agree. 

At that point, I wrote them a letter expressing what happened, suggested a resolution to the account, and requested all further communications be made through the mail or via email. They continued to call via phone and no communications were sent through mail. 

I agree to finish the payments until the {$270.00} I had accrued was paid in full.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OH)

CREDIT MANAGEMENT LP posted XX/XX/2020 amount {$160.00} I reached out by phone right away to try and resolve this many times. I was never given a solid answer on what this was for, who this was for, when it happened or given an option to resolve this. I was transferred around with no resolution. I later had my credit repair company do their rounds of letters. Still no response to anything. We never recived a pone call, letter or anything trying to resolve this issue .No explanation was ever sent or given to explain this debt. This has dropped my credit score and is preventing me from buying a home for my daughter and i. We are now at the point of loosing our home and not being able to buy in time because of this.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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