davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is the most dishonest company I have ever found myself mixed up in. They are continuing to violate FCRA standards by reporting a dissolved account. 
The involuntary repossession took place over XXXX ( XXXX ) years and they continue to renew.
Consumer complaint received 2019-10-04
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: Santander Consumer USA Holdings Inc. (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I initiated a claim on XXXX and received a temporary credit while my claim was being looked into. I received a letter on XX/XX/XXXX saying the merchant had responded to the claim ( none of which I received a copy of and something which I found out on XX/XX/XXXX by talking with a customer service agent while trying to understand what was going on ) and requesting more information by XX/XX/XXXX. The letter stated I could respond back via mail, fax or their online message center. When I went to upload the additional documentation via the online message center - the message center hadn't been updated since XXXX and I wasnt allowed to upload any of the documentation, along with the fact that there were no status updates. I called immediately and let them know that the message center wasnt giving me the option to upload the documentation online and they suggested I go to a store and fax it over so that it gets there sooner rather than later because there was nothing they could do about the message center not working. Because I had to get a hard copy of all my documentation to fax over and I had to work with BofA business hours- the soonest I was able to get the documentation over to them was on XX/XX/XXXX even though past their requested date only 4 days after receiving the letter in the mail. On XX/XX/XXXX - I saw that the temporary credit was removed from my account and I was charged for the claim- I received no update or notification on this - only knew from checking my balance. I called BofA again immediately to see why and I was told that because they didnt receive my documentation in time the claim was resolved and I was charged for the credit but that they had received my additional documentation and had reopened the claim. On this phone call I expressed to them again that their message center isn't working and I am not receiving updates and that letters I am being sent are about 1-2 weeks delayed. I have called BofA 3 additional times since XX/XX/XXXX to ask for an update status over the phone since their online message center isn't working and I have yet to receive a letter confirming the case has been reopened per my discussion with their customer service associates. Additionally, I've been told that the customer service associates are not actually working on disputing the claim nor am I allowed to speak with those disputing the claim or them with me and that any message I want relayed to them has to be through the customer service associate. Every time I call I I speak with a new customer service associate who I have to explain and prove to that their online message center isn't updating me or working because none of them initially believe me and they think I just dont know how to navigate their online system. So every week I am calling for a status update because I have yet to receive any updates by mail since my case was reopened.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Im super frustrated. My name is XXXX XXXX. My citi bank account closed on XX/XX/2020. But i havent received my full balance untill I complaint to cfpb to get my money back. Recently citi bank emailed me saying they will refund my money back. I only receive {$12000.00}. But Im still missing {$8800.00}. I called state to know if they receive any fund with my name from citi bank. But they never receive anything neither me. Im so XXXX. Im totally broken and citi bank is harassing me a lot. Im so sad and mentally disturbed by their actions. They closed my account with out giving any notice and still I dont know the reason for closing my account. I need rest of money back. Every time I call customer service they dont help me. Even I went to the bank and they are not helping me either. Im seeing XXXX XXXX for this reason. And I tried to XXXX XXXX  so many times because Im XXXX XXXX XXXX because of citi bank and their harassment. They XXXX XXXX me.. I need my refund please I need to pay my rent and college. Please help Me to get my money back from citi bank.. I still need {$8800.00} which citi bank never gave me. I have complaint before to cfpb to get my money. And they only refund me some Portions not everything. 

And my citi bank card number is XXXX
Consumer complaint received 2015-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (CA)

I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

To Whom It May Concern : I am writing to file a complaint regarding improper denial of medallion signature guarantee services from Navy Federal Credit Union manager ( Branch Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ). As a long-time account holder at Navy Federal , I should have access to authentication services of my personal signature for documents I need to execute as per SEC medallion standards that banks in the program must follow. On XXXX, I visited the branch and spoke to manager/ vice-president seeking to have my signature guaranteed for endorsing a security. As stated on the medallion requirements, the bank simply needed to : Validate my identity via a valid ID ( which I have as an account holder ) and Stamp my signature to certify its authenticity. However, the manger refused service and said Navy Federal does not offer anything related to medallion stamps or guarantees for personal uses- which violates the SECs program rules if true. She refused to show me any documentation or forms related to the types of Navy Federal medallion guarantee services they provide- severely lacking transparency. This denial of my basic request as a customer left me penalized and cost me unnecessary hassle finding guarantee services elsewhere, I should have full eligibility for. Later the same day I visited other Navy Federal locations to get clarity on the managers statements and was met with the same answer. I am unclear if the managers were intentionally misrepresenting services due to unwillingness to serve me, or if Navy Federal unlawfully fails to extend medallion guarantees under SEC investor protections. Either case warrants regulatory investigation and potential penalties if service was improperly denied. As an eligible Navy Federal customer, Navy Federal needs to justify why I can not avail guarantees of my signature and not a whole security allowed under established programs you govern. Comparable to a notary the notary doesn't authenticate the legal validity of the document per se. It authenticates the signature of the person that is endorsing the contract as valid and true. The personal signature guarantee is guaranteeing my signature is authentic as I place it on a security. Speaking on securities, I gave a security in the form of an application for an auto loan. Navy Federal denied my extension of credit which is clearly securities fraud. Per Navy Federal 's XXXX  Annual Report page 26 section titled Loans, an auto loan is considered a secured loan. Secured means that it was backed by collateral. You also state on your disclosures that Navy Federal does not share personal information with non-affiliates and if that is the case then you can also explain who XXXX XXXX and XXXX XXXX is?
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

1. XXXX XXXX disputed twice opened XXXX XXXX balance is {$1000.00} company took no action. 
2. XXXX XXXX XXXX XXXX XXXX credit inquiry that was not done by me. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX Mi XXXX hard credit inquiry on XXXX XXXX and XXXX XXXX I did not submit this inquiry and the company did nothing about it. 
4.XXXX XXXX XXXX Inquiry was done on XXXX XXXX and XXXX XXXX no information was given by creditor. 
5 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX I did not submit this inquiry. 
6. XXXX XXXX XXXX XXXX were done on XXXX XXXX and XXXX XXXX No Contact information I did not submit these Inquiries. 
7.XXXX  XXXX XXXX XXXX information was given XXXX XXXX and XX/XX/XXXX and XXXX of XXXX. 
8. XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Hard Inquiry that I did not do. 
9.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
! 0.XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank is offering loans for a XXXX small business owners. On XX/XX/2021 I went to the Huntington Bank in XXXX Mi. I met with the Branch Manager XXXX XXXX. XXXX XXXX was very helpful he explained the process and told me what the underwriter was looking for. I meet all requirements so I was excited and hopeful he also shared that another property management business was just granted a {$75000.00} Line of Credit for capital. I was very excited to apply. I submitted my business plan and personal information and agreed to the personal guarantor to secure the loan. 

I did not receive any update in 2 weeks so I called to follow up, XXXX stated my loan was denied and he escalated to another department to get me approved. As my personal credit, business credit and business plan were great. I was denied again due to judgments he stated. I was shocked I stated that is a mistake I don't have any judgments. No judgments are reflecting on my credit reports. I went to the bank in person on XX/XX/2021 to pick up my business plan, I asked XXXX specifically where did underwriting see the judgments which bureau? XXXX reviewed the underwriting notes and stated it was two unverifiable judgments with XXXX XXXX. I was furious! They used a non-credible agency, a public record agency that after I spoke with them, they have in writing the reports are to not be used to grant nor deny credit. This is a non-consumer reporting agency, why would a company like Huntington bank use a public record company that is not a consumer reporting agency? XXXX XXXX told me that the information was from 20 years ago. This information is not mine and is not correct! Huntington Bank pulled my credit I allowed a hard pull to my credit for this company to use a public record company to base the credit decision? This was deliberately done! 

I told XXXX, that Huntington Bank has a program that helps XXXX but just not XXXX that look like me, I am XXXX XXXX. I said they are purposely looking for a reason to deny if they are searching public record information and using that to determine credit which means they are looking for any reason to deny, why pull my credit if you're not going to use it? For the record, XXXX tried to fight for me and told me after I speak to XXXX XXXX to come back and we can file a complaint. I followed up with XXXX and provided the letter from XXXX that stated the report is not to be used to approve or deny credit and that the underwriter needs to stop using this to make a determination. Sadly, I never heard back from the manager, therefore I am filing this complaint.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

My name was used for fraud and scams that I was unaware of I reported the theft of my information and was rewarded with a debt that was not mine I sent these letters to the company and no removal which leads me to contact your agency
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (IL)

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 : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, DP OF EDUC : XXXX, XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX : XXXX, 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 seven 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 2021-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I looked over my auto loan contract for my XXXX  XXXX XXXX I got from XXXX XXXX XXXX and am aware XXXX XXXX XXXX participates in the Truth in Lending Act and violated it, so this contract is now fraudulent.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had XXXX my credit card became pass due, I was told by the the bank they would correct my issue with the card & remove the negative marks on credit report they completed everything by XX/XX/2020 they sent me a letter in XX/XX/2020 stating that if I get my account up to date they would remove the restriction, I spoke with a rep who finally reviewed the account & noticed that capital one didn't do monetary adjustments to my account and she did which took my account out of being late but I was told because it was past the cutoff of 120 past due it will be restricted & can't be removed. My complaint is if the would've removed the monetary adjust & fee 's my account wouldn't be in a past due status
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

Jefferson capital system say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called XXXX XXXX calling and texting me.. 

Also, Im currently with XXXX as my cell phone company.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OK)

I would like the follow payment status or account removed its showing that I was XXXX  days past due when they were suppose to be in deferment. On the XXXX account it shows that I was attending my first semester in college which was 2013. How could I be XXXX  days past due on XXXX?
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

I updated my homeowners insurance on XX/XX/2020. The annual amount I owe for homeowners insurance went from {$940.00} to {$810.00}. I called in to get this updated on The Money Source website ( a XXXX subsidiary ) the week before XXXX of XXXX. It has now been a literal year, and despite multiple emails, phone calls, several uploads of my declarations page ( with both the Money Source and the third party company who handles their insurance that I have been sent to, and spoken with, multiple times ), as well as XXXX XXXX, the vice president of Customer Experience and there is no change. I'm incredibly dissatisfied because I am being charged money I do not owe. After speaking with XXXX XXXX, she told me XXXX would have to send her an updated policy, but I have already requested this of XXXX, and they have sent me a copy each time, which I then uploaded each time to the Money Source, but they continue to pretend each time that it has not been received, IF I get a response from them at all.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/2024 - Kimball Tirey and St. John from their XXXX XXXX based XXXX XXXX office - connected XXXX XXXX ( my name is misspelled ) with a {$69000.00} overdue on payments for the XXXX XXXX XXXX  on XXXX in XXXX XXXX XXXX. I have never lived there or paid anyone to live there, and am concerned about identity theft and will check bureaus and consider hiring a lawyer to handle this should the problem get escalated. I have reported to your bureau, along with XXXX, and XXXX  XXXX and likely will with XXXX. XXXX has a XXXX rating on XXXX, so not too concerned about this issue escalated, but will take significant steps to protect myself and credit rating.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

I XXXX XXXX entered into a consumer credit transaction with BJs on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. BJs, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, BJs never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2018-02-26
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. (MO)

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.
Consumer complaint received 2021-09-25
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. (CA)

on XX/XX/2021, I made a complain to the CFPB, CFPB Complaint ID XXXX. I am responding to Transunion XX/XX/2021 response.