davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (TX)

Honda Financial Services owes me money and they stated once we return the leased vehicle to XXXX XXXX XXXX we would be receiving a check for $ XXXX been more than a month and half now and we have still not received the refund check.Everytime we call Honda financial services customer care its more than an hour wait on hold and when we call XXXX XXXX XXXX no one even bothers to assist us with this refund!
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My original loan was with XXXX XXXX who sold it to Loan Care, and since then I have had nothing but problems. First, I have now and have always had insurance on the property. However, Loan Care placed lender insurance on the property because they said they didn't have all the insurance documents they needed even though I provided everything they requested and followed all of the steps they told me to take. 

At the same time, they placed an escrow account on my loan and raised my payments in order to cover their lender placed insurance. I have spent HOURS on the phone with them trying to resolve this and ave the escrow account removed, lender insurance removed, and my payment reduced back to normal. I was told they were handling it and to pay my normal payment which I did. But then I found out they sent me to their collection department because I didn't pay the full amount. In other words, the didn't " handle it '' and they continue not handling it despite my multiple attempts to get this resolved. Last Saturday I was on the phone with them for over 4 hours! I was transferred several times to different people and their phone system hung up on me 3 times. I also have letters from them stating the issue of insurance has been resolved. 

But it gets worse for me. They've ruined my credit. Now, when interest rates are very low, I am in the middle of trying to refinance 3 loans on 3 separate properties. When I checked my credit score over a week ago, it was XXXX. But, much to my surprise, my loan broker called me yesterday and my credit score was down in the 600 's! My credit has been ruined and I can't refinance my loans as a direct result of Loan Care 's negligence and completely inadequate and inept customer service. 

Again, none of this is my fault. I have always carried insurance and I've always paid on time. Loan Care should have NEVER placed insurance, NEVER added and escrow account, and NEVER sent me to collections. But, nevertheless, they did despite all of my conversations with them and despite their assurances that they were taking the necessary steps to resolve the issue, removing the escrow, etc. Now I'm paying the price, both in terms of my financial health and my emotional health. The stress they've caused me is unbelievable and totally unnecessary.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

Reached to NATIONAL CREDIT SYSTEMS ( certified mail ) to request debt validation. I was sent an generic incomplete document. I responded back and asked for documents and contracts because the information sent was insufficient. They then sent me the SAME letter as 'proof. ' I sent another follow letter asking for the same criteria but they never responded. They never completed my debt validation request. They actually ignored my letter. NATIONAL CREDIT SYSTEMS violated my consumer rights and never validated the debt
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from credit report.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I have already called and made ALL 3 Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, XXXX, and Experian are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : 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 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I went to the bank XXXX XXXX  around XXXX to withdraw XXXX and the bank teller i will provide his name but he stole XXXX dollars of it and only gave me XXXX and he admitted that then he told me to come back wen the manager is their 2 weeks later so that the cameras roll enough to where he can't be caught
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Applied for the credit card below with the new card sing up bonus was not given one. I was told capital one does not know the reason why but I don't get one. 
-- -- -- - New Cardmember Offer Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account openingfootnote22 -- -- -- - I satisfied all conditions and yet capital one refuses to give me the new member card sign up. I called multiple times to have the customer service explain why, but they don't know. I was told XX/XX/2020 by a existing account supervisor that what I saw under the application terms and conditinos changed once I clicked apply. because during the credit check process terms and conditions change. and I didnt get the " new card member sign up bonus '' since my " new terms '' that capital one generated when they approved for my card does not come with it. 

I as a consumer applied for this card reading and agreeing to " application terms and conditions '' I do not expect the compnay change the " terms and conditions '' during the approval process. 

I had a separate complaint for another offer not being granted for the same card. capital gave me a different term and condition sheet which I never saw or agreed to during the applciation process. Stating that 'this is what you agreed to '' but that is not the term I read and sign up for online. I applied through capital one website below where in the " application terms and conditions '' it clearly states new card sign up bonus will be granted as long as you satisfy the conditions which I do. 

https : //applynow.capitalone.com/? productId=9125
Consumer complaint received 2020-03-12
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-12
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. (TX)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neat Capital Inc. (CA)

I applied for a refinance with XXXX XXXX ( who is now rebranding to become XXXX XXXX ) back in XX/XX/2020 for a simple refinance. I was told multiple times that my loan had been approved and was being sent to underwriters for closing, and then I wouldn't hear anything for weeks or months. They'd come back and ask for additional documentation, and we went back and forth in this way probably close to XXXX dozen times, resulting in them pulling hard hits on my credit score for what seemed like no avail. I never saw any documentation, and am frankly afraid that I've shared loads of my personal business with a sham company that never had any intention of granting my loan. It's unclear what the problem is on the back end, because I have stellar credit and plenty of cash, and the property I'm working with is low-risk in a safe neighborhood. I'd appreciate an investigation, because as I scour the internet, I'm seeing multiple accounts of the same situation - people are being led through a " simple '' refinance application and then left hanging to dry.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX not mine
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. 

For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. 

I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. 

Time is of the essence, and I trust you will handle this matter with the urgency it deserves.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2020-03-12
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. (TX)

ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX    XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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. (TX)

ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2020 ( or around there ), I called AMEX customer service regarding about my Platinum credit card which {$550.00} annually fees charged to my account. At that time I can't make decision to keep Platinum or downgrade to Gold card. Due to coronavirus, I think about my travel plan will be much less and think may be wait for another year and switch back to Platinum. However, I remember reading online I might have issue with bonus points I got from year before from upgrade to Platinum. Therefore, before deciding to downgrade I did ask the AMEX customer service member " Is it OK for me to downgrade to Gold? ", she replied there is no problem but I have to pay {$250.00} annual fees and I said I understand that. Recently, I got an email from AMEX stated that they took back my XXXX bonus points due to the downgrade!!! I called customer service number in the back of my card and explained to her my situation. She told me don't worry about it since I was misinformed and I have been doing business for 23 years and then she filed a claim for me. Today I read a message from AMEX to refuse to consider my case. I called back AMEX Customer Care XXXX which I got from chatting online with AMEX customer service. He tried but finally told nothing he or AMEX can do even I tried to explain him I was misinformed or it was a honest mistake since I trusted customer service. Finally, I even asked what should I do with a negative more than XXXX points. He said nothing beside using the Gold card until I paid off the points or my account will be default if I cancel it. Using a card which I don't trust anymore until to pay back all the points and don't know what next it could result in several annually of {$250.00}.
Consumer complaint received 2023-01-16
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: Early Warning Services, LLC (GA)

There seems to be a persistent coddling of the institutions that established and used this reporting system by CFPB and the FTC, which has yet again ( third time ) caused me harm. I am asking for the fourth time : PLEASE ALLOW CONSUMERS THE ABILITY TO LOCK THESE REPORTS in order to provide a protection against fraud. YET AGAIN, the report contains errors listing accounts which I never opened nor used yet appear on my report. I have to now monitor this monthly, but receive NO ASSURANCES NOR PROTECTIONS FROM EARLY WARNING ; they only ask that I file a report and request correction from the institutions. THAT DOES NOT RESOLVE THE FUNDAMENTAL PROBLEM of the agency : they're allowing and selling my data to anyone willing to fork over the money to gain access and I HAVE NO CONTROL OVER IT despite the fact it is my data. WHEN WILL YOU ESTABLISH REGULATIONS TO PROTECT MY RIGHTS AND DATA? I am growing tired and MORE ANGRY with every abuse of this agency and YOU DO NOTHING!
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FULTON FINANCIAL CORPORATION (PA)

I wrote a check for {$6400.00} to XXXX on XX/XX/2020, but the payee of the check was changed to XXXX. The payee was changed to be an invalid check. I went to the bank to deal with it, but they deliberately made things difficult., Find all kinds of reasons to shirk responsibility.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX of XXXX Capital One Bank owned Household Bank ( XXXX ). Having a credit card account with XXXX since XXXX, we battled with them to remove an add on product that gives consumers debt protection, called AccountSecure Plus which was never removed and we were charged monthly for the product. In XX/XX/XXXX when Capital One took over, we asked Capital one to remove the program and told them our problems with removing it previously. Capital One assured us of its removal. In XXXX XXXX after a few phone calls to capital one in previous months about the product still on our account being charged, an employee let us know that third party vendors were being removed from all companies offering these products and we will be reimbursed for the fees soon. In XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX repeat phone calls to Capital One bank, talking to countless different employees asking them to please stop charging us for this product and the phone number listed on the bill for the product no longer was in service since XXXX. In XX/XX/XXXX our billing statement states " " As you requested, we cancelled your enrollment in Debt Protection ''. 
We were no longer billed from that date for that product. 
We called Capital One asking for reimbursement for the past 3 years of repeatedly trying to cancel this product and asked them about a consent order issued by the CFPB ( file number XXXX ) that they were supposed to reimburse anyone who tried to cancel the product after XX/XX/XXXX and was unsuccessful. They responded that we came from Household Bank at that time. They took over Household Bank XX/XX/XXXX on our end, the CFPB issued the order in XXXX of XXXX. Whether or not that applies, the Administrative proceeding, terminating the consent order on XX/XX/XXXX from the CFPB, states that Capital One canceled their add on products since XXXX, this is obviously not true and I believe because of the different name of the same product of concern. We were being charged for a product that was an add on that we asked repeatedly for 3 years to cancel through Capital One, throughout the entire Consent order they needed to comply with. Was the consent order specifying a particular add on product for debt protection? Are they allowed to just ignore us repeatedly when asked to be reimbursed after they said they would the first time we canceled?
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (FL)

XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Consumer complaint received 2020-03-12
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I mistakenly double scheduled to pay my XX/XX/2019 Capital One account balance of {$500.00}. Once I discovered this mistake I called Capital One and ignorantly asked for a " refund '' of one of the {$500.00} that I double paid. Capital One did refund that {$500.00} back into my account with XXXX  XXXX XXXX. Then I get my XXXX statement that shows a " Payment adjustment '' of {$500.00} -- shown as a transaction with the {$500.00} added to the actual purchases I made that month. I called Capital One four times!! and again this morning making 5 times, and all they did was refund the {$4.00} interest they charged me on that {$500.00} they insist I must pay. In today 's call, I learned I used the wrong " terminology '' for asking to have that extra {$500.00} refunded, and he hung up on me. I have mailed Capital One headquarters in XXXX XXXX XXXX Utah, all copies of all bank accounts, card statements and long letter explaining what happened, and all I get is a very lame letter advising " since you acknowledged you received the payment refund of {$500.00} to your bank account and we debited you Capital One account for the same amount. We confirmed the balance owed is correct and as of the date of this letter ( XXXX. XXXX ) the  balance is {$770.00} when I had only made in actual purchased transactions of {$160.00}. 
I am desperate as Capital One refuses to acknowledge they did not { " debit '' my account with the {$500.00}, rather they charged my account with the payment adjustment of {$500.00} as actual purchases when it should have shown as - {$500.00}.