davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (RI)

I have attempted to rectify this issue with EXPERIAN to no avail. The investigation opened on XX/XX/2022, # XXXX, has now been much over XXXX days as described for a resolution per EXPERIAN. The date is now XX/XX/2022 and the complaint is still opened. The account should be removed from the report per the following laws. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ACCOUNT # : **** 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (CA)

I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (WA)

Applied for credit card with US Bank, asked for balance transfer to my existing credit card with another bank, online after receiving paper offer from US Bank for 21 months no interest. 
They approve account and opened it instantly, XX/XX/year>. 

Got letter from US Bank on or about XX/XX/XXXX, saying to expect up to two months for balance transfer to complete. 

Called US Bank mid March to inquire why I'm not seeing payment at XXXX XXXX  yet, but see the new balance on the US Bank card. Was told " we sent payment to XXXX XXXX XXXX, are you sure you don't have account at XXXX XXXX ''. That CSR said they would put stop payment on check to XXXX XXXX and send check to correct bank, XXXX. 

Called again on or about XX/XX/year>, to inquire status, was told XXXX XXXX had cashed check from US Bank already and that I SHOULD CONTACT XXXX XXXX and get them to send the money back to US Bank. I asked for supervisor, was told same thing, ask for another supervisor, again told that I should contact a bank I have no account with to claw that money back. I responded that US Bank made the error. I can prove it. They sent me a paper copy of the check they mailed to XXXX XXXX XXXX  and it shows my correct card number over my name ( that card number was the only thing the online system asked me for during the application process for the US Bank card ). But they sent it to the wrong bank for payment and that had nothing to do with me. 

I don't believe that I should be forced to try and chase down that money from XXXX XXXX, that US Bank should have to do that. It's crazy, how could I contact a bank I have no account at and demand they send another bank money back which they received in error. Without me having any account at their bank, how would they even look for those funds? 

The copy of the check shows it was dated XXXX and was cashed on XXXX and signed by a XXXX XXXX It was sent by Elan Financial Services Agent for U.S. Bank National Associates Pay to the Order : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached images of the check
Consumer complaint received 2020-03-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GRIFFIN FUNDING, INC. (TX)

I began the loan process on XX/XX/2020. I started out with XXXX XXXX as my loan officer. I had an in depth conversation with her about my circumstances to ensure there would be no issues before formally applying. I applied and things were moving along fine until the week I was suppose to close. I signed disclosures, locked a rate and was approved by the lender. After all of this XXXX disappeared without notice. After calling over and over, I was finally told she no longer worked with the company. Even tho disclosures were signed I was then told they no longer offered the kind of loan ( for self employed people ) that I had applied for. I was a qualified applicant with a binding legal document executed and yet I after asking repeatedly I was given no real concrete answer as to why my loan was all of a sudden not fulfilled. 

Because this originator is a broker they told me they would " flip me to a new lender '' .I was then made to go through the entire underwriting process again. This took another full month. Once again I met the criteria and was approved. Again I was promised I was going to be able to close XX/XX/XXXX XXXX on the XXXX I was told that my loan wouldn't close " because of Covid 19 ''! They said the lender XXXX Mortgage was not funding loans due to the crisis and was not going to do that type of loan anymore. I talked directly with XXXX XXXX  and they said that was false information. I am writing this complaint because I believe I was discriminated against due to being self employed among other factors. I am requesting this lender been fined, their license be taken away and/or my loan be honored, whatever is appropriate in the case of discriminatory lending practices. I have good credit and met income criteria. Just because I am a XXXX, XXXX XXXX XXXX XXXX XXXX should not mean I can not get a loan like anyone else who is qualified.
Consumer complaint received 2022-12-28
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)

I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

I was contacted by someone representing that they were thru my energy company and read to me the address where I live stating that my service was going to be terminated due to non declined payment..i had just had my card shut off because last week my account had been charged for a n app service two times and it was a service I have never heard of the amounts are {$550.00}, {$990.00}, {$270.00} I contacted the bank and asked them if these could be stopped they said no since it was done thru XXXX it was considered to be like handing the money straight over
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

Hi, I am XXXX XXXX from XXXX, Arizona. I want to direct your attention to this situation that I am dealing with my Citi Bank Best Buy credit card. I made a purchase for a laptop that was roughly {$700.00} in XXXX along with some previous balance. All these purchases were made with Best Buy 's promotional apr of 0 % interest for 12 to 18 months financing offers. I bought another product ( ~ {$350.00} ) with a similar offer later in XXXX. The company selected a minimum payment and I opted for autopay so that it will pay off my balance in the due time. The first purchase that I made for my laptop had a promotional offer until XX/XX/XXXX and in the monthly email that I received it only shows me a total balance of about {$1500.00}. They failed to notify me that my promotional period is ending and I have to pay whatever is left of the principal amount. In XXXX, they charged {$260.00} as interest and kept charging me about {$30.00} every month since then. I have been making their desired payment ( on autopay ) every month and I just realized my balance keeps increasing and it's more than {$2000.00} now. Essentially they are just taking the interest out of the account and keep stacking the principal. I was never informed by a rep that my promotional offer has ended and I need to pay a certain balance. After 6 months, I have been paying hundreds of dollars and it's mostly counting towards the interest and my due balance keeps increasing. They have not charged me for the other purchases yet as the promotions expire in XX/XX/XXXX. I have no idea where did all the payments I have made so far gone towards and why do I still owe them the total Principal in addition to the accrued interest. They are essentially making me pay {$700.00} ( principal ) +> {$400.00} ( interest ) +> {$800.00} ( other balance ) and I still don't know where did all the money go that I have paid them so far. I understand the numbers may add up for the company and they are charging me the interest accordingly but I was not notified of this at all. They just send you a total statement balance email and you're supposed to find the full statement and understand what is being paid off and what is not and I still can't understand what I have paid so far in the last two years of doing business with them. They certainly want to hide this information and make it even hard to understand for people. I have attached most of my statements from past two years and can provide more if needed. I even asked with a superior rep at Citi to resolve this but they are not willing to help me or negotiate with me to let me pay the principal. I just want to put this all behind me and pay what I really owe them honestly and get done with it. Please help me this is financial turmoil for somebody like me and I look towards for help.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

Dear Sir/madam : I am paying for a vehicle I bought in XXXX from Honda Financial Services. This is a XXXX XXXX XXXX and at the time I purchased the vehicle the price was {$15000.00}. After my trade-In value for my XXXX XXXX the total financing was still {$23000.00} ( for a XXXX ). The monthly installments are {$490.00}, which I have been paying until I became XXXX in XX/XX/XXXX and was put on Social Security XXXX as my income. 
I wrote to Honda Financial Services and requested that they decrease the payments because of my position, and they have totally ignored me. Please help me to resolve this situation by reviewing my contract for inconsistences, because I believe that there are some type of price gauching where this company is concern. In addition, I am unable to make that high installment in my connent situation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that laser Machine which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY TRANS UNION CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements
Consumer complaint received 2022-12-28
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I have an auto loan on auto pay that automatically deducts $ XXXX from my bank account. I have never had a single late payment. In XX/XX/2022 TD Auto Finance misapplied someone else 's {$2000.00} payment to my account. I tried to make a payment in XXXX but it said no payment was due because of the misapplied funds, so I made a payment to principal. In XXXX, TD Auto Finance corrected their misapplied payment and backdated it to XXXX, so that my account showed XXXX something days late and reported it to credit bureaus. It was after the auto pay date so no auto pay was deducted from my bank again. They did not notify me of the error and asked why I didnt go online and make a payment. The account was on auto pay for years, I had no reason to think I should and assumed it would auto deduct. I have called XXXX to fix my account and the XXXX months of fees have not even been credited back and they don't seem to know how to fix their error reporting my account late to credit bureaus. In addition, the third time on the phone today, the representative disconnected my call " accidentally '' because she likely had no idea how to fix the 2 months of fee assessments I've requested credit back or the mistakenly reporting my account as late to the credit bureau even though their misapplied payment prevented the auto pay on my account from deducting.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I accrued charges for XXXX  XXXX  in excess of {$8000.00} last XXXX and have been making regular payments since then. The charge, on a promotional offer, was advertised to be no interest accruing for 24 months. Finally, after making payments well over the minimum, and at times more than once per month, I got the balance down to {$910.00}. My last payment was made on XX/XX/2020 in the amount of {$320.00}. When I made that payment, the amount due ( as shown on my account information on their website ) stated that no payment was due. Since I wanted to pay this loan off, I made the {$320.00} payment anyway. To my astonishment, when I logged on the website today to view my balance, I saw they charged me a late fee of {$29.00}. Immediately I called the customer service number provided but a voice recording said the wait time would be in excess of 30 minutes due to a large call volume. I wait on the phone for a few minutes but hung up. Instead, I wrote a message to them regarding this matter but it is probably too soon to get a response. For the life of me, I don't understand how they and other financial institutions like them are allowed to continue these deceptive and unscrupulous practices. We can do better as a nation! Finally, I want to add that this isn't the first time it's happened with CareCredit. A few months ago, the same thing happened. On that occasion, I called and got the charge removed. My concern is, I shouldn't have to check to see if I am being fleeced by them!
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer XXXX XXXX XXXX XXXX on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!