davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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: U.S. BANCORP (PA)

I have filed 3-4 previous complaints now against usbankreliacard. I have called numerous times, had no income for the holidays for all of my children nor any information pertaining to my case. Usbankreliacard issued a respond notice stating that they didnt credit me back from my XXXX claim because I didnt send in the paperwork that was supposed to be sent to me for my claim. Thats the whole entire issue at hand now. I never got any paperwork for my claim. Infact when I made the claim back in XXXX my card was never even cancelled and I was never even sent out a new one to be able to protect myself from any other potential charges that I have not made yet in the future. With that being said, that is exactly what happened. From XXXX until XXXX around the XXXX XXXX charges and XXXX charges were made on my exact debit card that I made the previous claim about. Simply because my information was clearly already comprised but usbankreliacard never cancelled my initial card, which then ended up costing me roughly over XXXX dollars to be taken out of my account that I never once authorized or even gained access to the website and app that was even used. I have sent in multiple documents of proof, as well as from cashapp themselves stating that I never had an account, as well as emails from them as well as XXXX. If my card had been cancelled back in XXXX and my new card sent out, then I would of never had my card compromised to even be able to take out any money let alone over XXXX dollars. It wasnt until XXXX when I called back again to say hey I never got any paperwork from late XXXX, I never got a new card, since mine should of automatically been cancelled but clearly never ever was or a new one issued and sent out to me, so my card was then cancelled. Which is after all of the charges had already went through. Automatically making it usbankreliacard fault for never cancelling my first card and sending me out a brand new XXXX from the XXXX call which then led to charges XXXX days later of a lot of money being taken out without my knowledge and without my permission. Had usbankreliacard done their job and cancelled that card in XXXX and sent me out my new one theres a very high chance that the future charges for my account would of never been able to be used. This has been going on for over 90 days now and I am still waiting for my money!! My lawyer sent over paperwork, I have sent over everything and every documentation to prove that it wasnt me, nor did I make those charges, any of them, nor did I have any knowledge or give anyone else permission to make them charges! I just want my money back!! I have children to take care of and a dog and a house and myself and my family and I cant do that and I havent been able to all because of usbankreliacard!! This has gone long for far too long!! I will have my lawyer send over additional paperwork if need be!! This is illegal in every way shape and form!!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had perfect credit for over 20 years and since I had several credit cards, I always had my billing statements mailed to me. I never agreed to electronic statements due to the number of credit card bills I had to keep track of. The company that I am filing a complaint about NEVER sent me a paper statement via USPS and since I did not receive a paper statement OR email from KOHLS, I forgot that I had a balance with them. I received a call from a customer service representative in XX/XX/2019 and she told me that I had an outstanding balance of over {$600.00}. I told her that I never received a statement from them. She stated that I signed up for paperless statements -which was not true at all. If I HAD signed up for paperless statements, then I should have received an email notifying me of the bill. I never received any emails from Kohls. I checked my spam as well as my trash folders and I didn't find any emails from Kohls. I feel that I should be given some leniency as my credit has always been good and that was the first time in 21 yrs that I have ever had an issue with a biller.
Consumer complaint received 2021-01-04
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. (TX)

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, XXXX, and Transunion report under the account named ( they have incorrect account numbers as well this should not be reporting ) this account was reported from XXXX it is XXXX. 

XXXX  XXXX  XXXX XXXX  Account Number : XXXX Transunion Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-09-21
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. (MA)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was issued a bofa prepaid edd card in XXXX of XXXX. I was able to make a few purchases and then bofa locked my account and said i needed to have a new card reissued due to fraud. but the company wont reissue me one.i followed all the procedures the bofa wanted me to do I went to the bank twice with different documentation to prove my identity yet still they will not allow me to gain access to my accont,
Consumer complaint received 2021-01-04
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: ALLY FINANCIAL INC. (NY)

I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. ALLY FINANCIAL XXXX/XXXX/2020
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

I opened a Synchrony savings account on XXXX and did an ACH transfer from XXXX  XXXX XXXX, my sisters ( XXXX XXXX ) account into my account for {$35000.00}. The bank has stated since neither of us are on each others account this was flagged as fraud and they can not release my money back to me because it is not my money. Ive also sent them documentation that XXXX account is legitimate. After that initial transfer we sent a wire for {$4000.00} extra. Synchrony supposedly put a restriction on my account in XXXX, but still continue to let me deposit money and accrue interest until XXXX. In XXXX they closed my account with {$39000.00} and I have not been able to get my money back. XXXX has said their normal process is to return the funds within 3 to 5 business days, but they have not done so and can not tell me why or what process to take to get my funds. I have been told numerous different solutions without any of them resulting in my money being provided back to me. XXXX XXXXXXXX XXXX has said their hands are tied because I initiated the ACH transfer from Synchrony. I contact each bank everyday and have gotten no further on the process. I have also contacted the Office of the CEO and they have also not responded as of yet. It has been over a month since they stole my money.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

I have been working with US Bank and its representatives, XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX since early XXXX. They have been unresponsive throughout the process - extending the closing twice, first from XX/XX/XXXX then to XX/XX/XXXX. As of today, XX/XX/XXXX, the loan hasn't closed and despite multiple calls and emails over the last weeks, I have yet to receive a response. 

Now, since they're not funding the loan ( which is fine with me ), they're not sending a denial letter. This is problematic on two fronts : Firstly, without a denial, I can not receive my earnest money. So, US Bank is ipso facto holding my earnest money hostage by their laziness and incompetence. Secondly, the seller is angry, not only because of the deal falling through - despite no reasoning from US Bank- but THEY can't relist the property with earnest money on the table from this deal.

I would kindly ask that Mr. XXXX and his associates as well as US Bank be censured for their lack of attention to their duty - and for holding my earnest money ransom for no apparent reasoning whatsoever. Please give me my money back! Send the denial letter!
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

I have never been late on my mortgage payment. In fact, I will have paid off a 30-year mortgage in 11 years ; I only have about {$4000.00} left to pay. Yet my loan, which was purchased from XXXX XXXX XXXX by XXXX, was subsequently turned over to LOANCARE, which states they are " attempting to collect a debt, '' as though I was behind or unwilling to pay. I was not notified by XXXX XXXX that my loan was being transferred, and if LOANCARE sent any information, I discarded it, as I was not applying for a loan or anticipating any " loan information. '' I first found out there was a problem when I tried to pay my XX/XX/XXXX payment to XXXX XXXX. I paid by phone, and for the XX/XX/XXXX payment, tried to pay online on XX/XX/XXXX. My complaint is two fold. ( 1 ) I was charged a NSF fee on the XX/XX/XXXX payment. This fee was added to my payment IMMEDIATELY upon making the payment ; it shows up on the payment confirmation statement. Neither the XXXX or XXXX payment was returned for NSF issues ; I had plenty of money in the bank. ( 2 ) When you try to call the number provided by XXXX XXXX for LOANCARE, XXXX, you can never talk to a human being. Do not be confused by the statements " if you wish to make a payment by phone or talk to a representative, push 1, '' because after pushing 1, you never get an opportunity to talk to a person. I tried all the options, and never can get a live person. Pushing 0, results in a message " you have pushed a wrong option '' and if you do that twice, the recording says " you have again pushed a wrong option, Goodbye. '' and hangs up. For something as important as servicing a mortgage payment, you should be able to speak to a person ; everything does not fit into their " fully automated phone system. '' There was no button to push for when " unwarranted charges were applied to my payment! ''
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NV)

I have been working with Loss mitigation since XX/XX/XXXX. On XX/XX/XXXX they filed foreclosure fees and had advised that was an error when I called in XX/XX/XXXX since I was on forbearance. Now Property is under contract for closing scheduled for XX/XX/XXXX for cash offer in the amount of XXXX. When I got my payoff amount they added additional fees that were had suppose to have been removed and never were. The payoff amt is XXXX and after closing fees i would need to come out of pocket XXXX. Which i do not have. 
Ive sent emails requesting the fees to be removed and they told me they will not! And i need to complete a short sale which can take up to 90days. This cash buyer will back out by then.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items and late payment history on my credit report. I feel like I'm being ignored for my disputes. Also, there were inquiries that we're not authorized nor I'm not even aware of. It's been more that 60 days since I sent in those letters and I don't receive any notification nor results of any Investigation taking place.These are all deceptive practices by the bureaus.
Consumer complaint received 2023-02-09
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: JPMORGAN CHASE & CO. (FL)

I have a account that I dont recognizes.I think is a fraud because its not my name it appears XXXX XXXX and thats not my name. the agency may mix up some one else information because is similar name.and they put it on my credit report. i please ask for an investigacion. because thats no me. according of the FCRA law i have right to ask for an investigacion. Please delete this account is not mine and its affection my credit report.
Consumer complaint received 2021-01-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (DC)

Complaint | Car Title not received | Waiting for refund | I bought a XXXX XXXX in XX/XX/XXXX. I moved houses in XX/XX/XXXX and requested change of address. 
I paid off the car on XX/XX/XXXX. As of XX/XX/XXXX I have not received my title. I understand from what KIA has told me that at the end of the month of XXXX, the title was sent to the wrong address. 
On XX/XX/XXXX an extra payment was deducted from my account, which a refund was issued via check on XX/XX/XXXX, and again sent to the wrong address. 
I called on XX/XX/XXXX since I had not received the title and because I noticed I paid 1 extra payment. I was told that it had been sent to the wrong address -- both the title and refund. They said a lien release would be issued and sent to my current address and that a new cheque would be issued as the old one would be stopped. 
As of XX/XX/XXXX I had not received anything. I called again and spoke to XXXX, who said that it had been sent to wrong address again, and that a new cheque would be sent out on XX/XX/XXXX and lien request was put into system. 
As of XX/XX/XXXX I had not received anything. I called again, and spoke to XXXX who said that the system notes showed that cheque was to be processed on XX/XX/XXXX and title showed as in process. I asked to escalate, speak to someone and that I would be putting in complain if by XX/XX/XXXX I had not received both the cheque and lien release. I was transferred to XXXX, of KIA Finance, Supervisor. He said that the lien request had been sent in XXXX and the refund had not been re-issued. 
Kia Finance sends mail without tracking number or anything. I requested this service to track the mailing, but was told they did not do that. I had to pay XXXX when I said I wanted to do that, I was told I needed a XXXX Account, which as a personal consumer do not have. He said a lien release was being issued and refund to be re-issued. I should receive both the following week. 
As of XX/XX/XXXX XXXX told me the refund had been processed but not sent. A date for when it would be sent could not be provided. I spoke to XXXX at approximately XXXX XXXX. The lien release had not been processed. I spoke to Debr a Senior Supervisor at KIA, the highest person I could speak to there. No information could be provided. He did not say anything but that a new request will be submitted. It would take another 5 business days to receive further information. He can not provide answers or further information, could not have me speak to anyone else. 
They said I had to write to : Kia Finance Attn : Care Department - XXXX XXXX XXXX XXXX XXXX CA XXXX Below are details of my account. This is poor customer service. There are important documents, sent via non-tracked mailing and with unknown recipient. All of this is the fault of KIA Finance. I expect both the title and refund issued and mailed with tracking and with email tracing.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately. 


You are reporting a status date of XX/XX/XXXX yet XXXX is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet XXXX is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet XXXX it as voluntary repossession. Also you are reporting the account type as auto loan yet XXXX is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (FL)

XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was XXXX  for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.
Consumer complaint received 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (TX)

Contacted Mariner Finance to resolve the amount and was advised to contact the collection agency XXXX XXXX XXXX XXXX. Contacted XXXX XXXX XXXX to resolve balance owed from Mariner Finance in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from Mariner Finance to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to Mariner. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I keep getting emails about a credit card balance but I never paid any mind to those emails thinking it was fake emails. Then I went into my XXXX credit Account and saw that same credit card account there. Someone opened an account with my information and without my authority.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

My stimulus payment is dated XX/XX/XXXX per the IRS transcript information. The payment has not yet been applied to my account. In addition to this, KeyBank held my paycheck that was to be applied in XX/XX/XXXX until XX/XX/XXXX which cause overdraft. I confirmed with my employer that the payment date was XX/XX/XXXX due to the pay date falling on a holiday ( XX/XX/XXXX ). I contacted KeyBank several times and they stated it was dated the XXXX, which is not true. So in addition to the overdraft that is now being resolved as my paycheck was applied today ( XX/XX/XXXX ), I still do not have the stimulus applied. It is dated the XXXX and should be applied today. 

There are numerous people that have received theirs, but mine has not been applied.