davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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. (LA)

I was XXXX  in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Consumer complaint received 2021-11-23
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. (LA)

I was XXXX in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX with XXXX, XXXX and Equifax for several years and they failed/refused to remove this account from my consumer credit report. XXXX, XXXX and Equifax consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

XXXX reported my XXXX credit report twice XXXX different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I reported my Macy American Express card lost and stolen and I requested a quick shipping of my credit card and it was received the next day and I called customer service to activate it and it was activated and XXXX unable to add it to my Macy app and it keeps giving me the error message and XXXX unable to add my Macy American Express card online and I was told I need to use my laptop which I tried but Im still getting the error we are unable add my card because its been transfer to new account number
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (CO)

This is a follow up to complained XXXX and XXXX Service Financial is either purposely trying to steal from me or is being lied to from the contractor. 

There was NO additional work requested as Service Financial claims in their response. 

The contract was for half up front and half upon completion. The last half was to be finance by Service Finance when the project was completed. 

Service Finance mistakenly financed the loan at the beginning of the project. 

The project WAS NEVER COMPLETED. 

Please help. Service Finance knows they did a mistake and even admitted it during a recorded phone call. They gave the contractor the last half of the money and then the contractor failed to complete the project! 
Please do not just close this case. Ask Service Financial for the contract that was supplied by the contractor. Ask Service Financial for the proof that the project was signed off as completed by the consumer! Service Financial should have a document from its saying that the project was complete and to fund the loan.

PLEASE ASK SERVICE FINANCIAL FOR THIS PROOF.
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a car back in XX/XX/2021 in which the same night I found multiple violations in our initial contract which in this case voided the contract that the dealership XXXX XXXX XXXX or Capital One did not go over or handle properly and had very misleading information in it. The next day I sent the dealership and Capital One Auto finance a Rescission letter XX/XX/2021, an affidavit of truth including a Cease and Desist letter telling them I refuse to pay the alleged debt and to stop any further communication with me unless its to give me the remedy I demanded. I had the papers notarized in my residing state and said I will take legal action if need be to exercise my rights. They never responded after weeks and I had the letters sent Certified mail so I knew they had received them so I sent them another Affidavit of Truth with the evidence of there violations and another Cease and Desist and Debt validation letter but they disregarded my letters once again and called me everyday sense and sent me letters stating if I don't pay the alleged debt they will take my property despite me sending them a written notice that they violated out contract they have not responded to my letters nor have paid any mind to my request. I have put a lot of my income into my car and they are threatening they will take it away.
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I made a payment of {$2300.00} to Santander on XXXX via online ; I then called Santander so that they could allocate the payments for the next XXXX  months per the rep that I spoke with before I made the payment. When I called, I spoke with a representative whom told me that the payment could only be allocated for the next XXXX months which was fine. So the payments were allocated and I wasn't due a payment until XXXX, but I went in on XX/XX/XXXX and made a payment of {$230.00} just to get my balance down because I have already paid these people over {$25000.00} for a XXXX XXXX XXXX and I still owe them {$8000.00}. So, when I made the payment, my balance was {$8100.00} ( hence, the reason I made a payment of {$230.00} ). I went to my online account today and I noticed that my balance was still {$8000.00} because {$150.00} went toward interest. I called Santander and spoke with agent # XXXX, I asked to be transferred to a XXXX, and was transferred to XXXX agent # XXXX, I asked XXXX to transfer me to someone over her so she transferred me to XXXX agent # XXXX and she told me that they normally don't get these kinds of questions because most people read their contracts. I read my contract, and there is nothing pertaining to if you make a lump sum payment and wish to have it allocated that you will be charged interest as if you missed payments. Because had I not made a payment until XXXX, as it was supposed to have been, all of that payment would have went toward interest. From XX/XX/XXXX to XX/XX/XXXX, I had interest of {$150.00} on XX/XX/XXXX {$240.00} of {$440.00} payment would have went toward interest. That is highway robbery. I called them back and spoke with XXXX agent # XXXX, and I explained to him that I didn't understand how I could be charged interest as if I didn't make a payment if the payment is supposed to be allocated to each month, I told him that it didn't make sense, and he told me it did, because he has a simple interest loan with them as well. Well it doesn't make sense to me. If you are in a simple interest loan, do not make a lump sum payment and have it allocated because interest is going to eat you alive!!
Consumer complaint received 2021-11-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$96.00}
Consumer complaint received 2021-11-23
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. (LA)

I was ill in the beginning of the year so there is no way I purchased a vehicle from rXXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized XXXX loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Consumer complaint received 2021-11-23
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. (AZ)

I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything
Consumer complaint received 2021-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NH)

Trying to close on a XXXX with TD Bank. We were told in an email " You can schedule your closing at your desired location, time, and date, after XX/XX/XXXX. Please let me know what location and date you would like to close. '' We suggested XX/XX/XXXX ; we received the reply " I would not be able to hold this closing until XX/XX/XXXX. Documents on file will expire, I would also need to pull new credit and send the file back for underwriting review. '' When we asked for the specific closing date, we received the following reply : " You can schedule your closing the week of XXXX. Our branches are open except for XXXX. If you wait the following week I would need to pull all new documents, credit, title etc. '' We replied back : " To confirm : does this mean that XX/XX/XXXX is the expiration date and when we need to close by? 

I am aware that TD Bank is open next week ; however, that is a shortened work week combined with a holiday, meaning that it's logistically more difficult for us to come in to close that week. 

If we have to close by the XXXX, then Monday the XXXX at XXXX will work for us. '' This was on XX/XX/XXXX ; we never received a reply. We followed up with our local branch and were able to schedule a closing for this Friday. 

This was eventually resolved but I am concerned that we never actually received a straight answer to the question of when we needed to close by. If closing needed to happen by a particular date, why wasn't that mentioned in the original email, or any of the subsequent ones? If we were traveling this week, we might have had major issues trying to close this loan.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

I saw a promotion for Citi Bank and it stated that new account holders can earn {$300.00}. Please see below. 

New checking customers can earn a {$300.00} cash bonus by opening an eligible checking account from XX/XX/XXXX to XX/XX/XXXX with qualifying Enhanced Direct Deposits and completing required activities. See offer details. 

In order to get the deposit you have to set up your account from the page advertising the promotion and follow the 3 simple steps that have to be completed within 90 days of opening your account. 

The 1st requirement is to open a new Citi checking with Enhanced Direct Deposits and enroll between XX/XX/XXXX and XX/XX/XXXX. 

The XXXX requirement is to Deposit at least two Enhanced Direct Deposits which can be made via recurring paycheck, pensions, XXXX, XXXX, XXXX, etc. that equal more than {$1500.00} combined. 

The 3rd step is receiving the {$300.00} bonus within 30 days of completing the steps. 

( All of this information can be found on their website at banking.citi.com ) I decided to sign up on XX/XX/XXXX. I completed all steps by XX/XX/XXXX and when I did not receive the bonus, I followed up by calling representatives. Every representative I spoke with claimed that they were unaware of the promotion, even though it is the first thing listed at the top of their website. I read the steps and asked if I could be given a reason why they are choosing not to honor their promotion and was informed that a dispute has been filed. The representative could not even tell me what the dispute was for and kept asking me for a code. After the 3rd failed attempt of speaking to representatives, I asked to speak to a supervisor to file a complaint and the supervisor was also not aware of Citi Banks current {$300.00} sign up bonus. I was given a fax number and told to submit proof of said promotion which is ridiculous because I only know of this promotion, due to it being on the companys website. I have signed up for accounts in the past and never experienced this. Upon further review, I found others complaining of the same issue with not receiving their deposits and being told by representatives over the phone that they are not familiar with the bonus. Im not sure why this is such a hassle but I would not recommend Citi Bank based my current experience.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OK)

We have XXXX mortgages with Specialized Loan Services. They have incorrectly transcribed the address of XXXX of the mortgages, and shows in their records as the same address as a different mortgage. We have been trying to get this corrected for XXXX XXXX years and are now and still not getting their attention. We are supposed to closed on a refinance of this property TODAY and despite numerous calls from the lender, the title company, and is they will not make this change so We are looking to have to postpone closing due to their inefficiency or Ineptitude and this is just unacceptable. We should not be paying the price for their mistakes and poor customer service.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery A is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letter head and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to FDCPA and the FCRA.
Consumer complaint received 2021-11-23
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in the amount of {$1700.00}. At the time, XXXX was advertising 0 % financing for their XXXX products when you applied for their Apple Card. However, they did not and I was forced to pay the for the XXXX and applicable interest ( 21.99 % ). On XX/XX/XXXX I received an e-mail from XXXX regarding their financing informing me that if I had purchased an XXXX product expecting to receive a monthly installment that I should contact XXXX before XX/XX/XXXX in order to convert the purchase into an installment plan by contacting an XXXX Support specialist. 

Today, XX/XX/XXXX, I contacted XXXX Support requesting that the purchase be converted to an installment plan, but the support specialist, XXXX informed me that since it had been over a year from my purchase, the device would not be eligible to be converted to a payment plan. The e-mail that I received does not specify that purchases had to be made within a certain period of time which I believe should be stated.
Consumer complaint received 2021-11-23
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. (MA)

To : Whom this may concern I am seeking MONETARY RELIEF FOR DAMAGES TO MY CHARACTER Pursuant to 15 USC 1681a Definitions ; rules of construction experian is required by FEDERAL LAW to conduct a investigation upon request of the consumer and verify the accounts are ACCURATE and FAIR. 
All accounts listed I am seeking MONETARY RELIEF because these accounts have been deleted after 6 to 8 months of disputing these accounts, send check to address posted above. ( FAILURE TO INVESTIGATE ACCURATELY AND FAIRLY ) Pursuant to 15 USC 1681n ( a ) ANY person who willfully fails to comply with ANY requirement imposed under this title with respect to ANY CONSUMER is liable to that CONSUMER in an amount equal to the sum of ( A ) any actual damages sustained by the CONSUMER as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
DATES OF ALL ACCOUNT INVESTIGATIONS VERIFIED IN VIOLATION OF FEDERAL LAW XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ACCOUNT DELETED XXXX, XXXX, 2021 ACCOUNT UPDATED XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX, XXXX, 2021 DELETED XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX DELETED XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELETED
Consumer complaint received 2021-11-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC (MO)

XXXX XXXX with MAC. 

Told me I had a returned check from XXXX and if I didnt take care of it they would turn it over to the prosecuting attorney for felony charges. Said I had been evading them and the prosecutor was tired of it. Contacted my local prosecuting attorney and found out it was all false. Also I never had a checking account until XXXX. There is XXXX chance they have an actual debt. Contacted a lawyer to start filing a lawsuit against them.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (NJ)

There are still unauthorized loans on my account that need to be refunded and removed from my credit report. 

Loans were all unauthorized and were reported as such a while ago but only some loans were marked unauthorized and removed from my credit report and refunded. 
These 4 loans in the attached picture are the last remaining loans that need to be refunded and removed from my credit reports.