davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
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: VW Credit, Inc (NV)

I paid off the loan in XX/XX/2023 and as of today I have not received a title. VW credit has told me on XXXX different phone calls that it has been " expedited '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-12-06
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. (MI)

I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so ignorant they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (AZ)

I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you well. I recently discovered a fraudulent account on my credit report, impacting my credit standing. The affected accounts are XXXX XXXX : XXXX and XXXX XXXX XXXX I did not open or authorize these accounts, and I suspect identity theft.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

I have been paying on this loan since XXXX of XXXX and it is still way too much to get it paid off. The interest rate is 66.74 % APR, I was recently informed that the interest rate since XXXX was capped at 36.00 %. So I would like to get them to decrease the interest amount to the factual per law in Arizona and do to that retroactively to the first day of the loan. I did not contact netcredit because I knew they would argue with me or not answer me, because it took me 3 weeks and continuous contacting them via email to get them to cancel ACH withdrawals. They kept sending me an email back telling me I had sent to the wrong email, but I took the email from the contract where it states the email to contact to stop ACH payments. I finally got thru by sending via fax and also email with a copy of the contract attached with the email highlighted for them to tell me again i had sent to wrong department. So I was not going through the delay again.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been dealijg with Capitial one and have been emailing capitial one ceo and talk to everyone at capitial one capitial one will not remove the innacurates from my credit report and they state they dont deletions period But from other people emailing the ceo and askong for deletions and updates they do it with no problem I was even told by capitial one they dont do deletion but this right here shows they do Capitial one is not beinf their word and holding to their standard they talk about
Consumer complaint received 2020-11-05
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: CBC Companies, Inc. (GA)

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc. (CA)

Hello my name is XXXX XXXX and Im making a complaint about this investing company call XXXX XXXX XXXX Ive invest my money which is {$5000.00} and there is a part there on the app I could set a certain amount of money where I can withdraw when I ready so I set {$3500.00}. So this money was coming from my XX/XX/XXXX XXXX account but my account info was stolen I dont know by who and my XX/XX/XXXXXX/XX/XXXXXXXX account is closed so you know my money wont be able to go back to my XX/XX/XXXXXXXX okay cool. So Ive contacted customer service and they said I have to send bank statements for both account and I should send the document that stated my account is closed andXX/XX/XXXX I think so I did that. But I got a spam email I dont know from who but whosoever send me that email know my bank account is closed so they spend me a spam document about my closed account which I thought was real and send it to customer service and they said its not a real document then I realize its fake but I wouldnt know then I got real email in my mail box fromXX/XX/XXXXXXXX saying my account is closed and I send them the picture of it and they approved it and change it the bank account I want on file. i have all emails for proof as well to proof all of this. They gave me a date where I can withdraw my money to the new bank I verify on there which was last month. When that they comes they said I will be able to withdraw my money by the end of day. I try to withdraw the money its not working I reach back out to them they transfers me to there XX/XX/XXXX his name his XXXX and he doesnt know customer service even now he cant reply to XXXX of my email its like the company ditch me and gone with my money. But anyway XXXX came and tell me that I cant withdraw my money because the first document I send them is fake which I already explain everything that I see that in my email and I thought it was the real document until I did get the real document in my mailbox from XX/XX/XXXXXXXX and I send them and they did approved everything and give me a date when I can withdraw my money and now when the date comes they are telling me I cant Withdraw. Then he is silent for a while then he email me back and said in order for me to get back my money I have to reach out the the police or a legal entity which Im doing now its like they are taking peoples money and not giving them back. So this is me making my complain Ive being to the police station they cant do anything about it so my friend tell me about this government website so thats why I contacted you guys. Ive send XXXX many email after that and he wont reply and no one at the company wont reply to me as well cause Im asking them which legal entity i can report this to and I got no response. This company need to be addressed by the federal trade commission because I can know that Im not the only person Money they are taking and this business is registered in the United States and Taking people money.
Consumer complaint received 2021-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: LendKey Technologies, Inc. (VA)

I contacted them back this summer trying to reduce the monthly payment due to covid. The representative stated the payment could not be dropped. 
I received an email in XXXX notifying me that payment will go up in XXXX,. I contacted the company once again today XXXX and logged into my account the balance had almost doubled and was told interest accumulates everyday. This is totally unfair how can make headway to an account paying a monthly payment and accruing interest everyday. 
This will drag on for over 10 years. She didn't give any solution and just was like yeah, interest is everyday. 
This is worst - getting a student loan. Trying to get them to work with you and even with covid. No assistance but to default. They give no resolution or try and help
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a union bank checking account in XXXX. I do enrolled a promotion XXXX dollar if i make 3 bill payment in 60 days. When I opened the account. I confirmed my promotion code attached my account with banker. They double checked said yes to me. So I made 3 bill payment in XXXX which is in 60 days. I wait for the bonus still not get pay from bank at XXXX. I called their customer service. They said I have to wait for 120 days to get bonus. So I called today XXXX. They changed the story said they didn't see my offer. I have to go back the branch to see what happend. Now I felt they treated customer like a football. They tried to find a excuse to refuse the bonus. I think they promised it. They should honor it.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (VA)

I got admission from the XXXX XXXX XXXX XXXX College of Law. I just found out that Williams and Fudge ( 1st ) made collections illegally and even made false report to credit bureaus to ruin law school student 's life totally. William and Fudge ( 1st ) obviously violated federal law and guideline, XXXX dollars small amount in the law schools ( XXXX, XXXX XXXX XXXX XXXX, XXXX law school and XXXX University law school ) and the medical  schools ( XXXX, XXXX etc ). I got traffic incident and according to consumer financial protection bureau case Complaint Number XXXX. XXXX XXXX failed to pay emergency fund to traffic accident 's victim XXXX XXXX and his children. Williams & Fudge did not exercise humanitarian relief for victim XXXX XXXX and his children. lt is XXXX hate discrimination to ruin XXXX XXXX life. XXXXXXXX XXXX failed to provide proper urgent payment to victims within reasonable time. I have visited Doctor of XXXX XXXX ( XXXX ) for treatments over months since this accident caused by XXXX XXXX of XXXX XXXX. Due to this incident, I could not pay XXXX dollars to the XXXX XXXX XXXX College of Law ( of XXXXXXXX  XXXX University ). Due to this, I am not able to get transcript and it is hard to register classes for my law degree program ( I study intellectual property laws and patent laws ). 

US Congress, Senate and US Federal government will investigate whether Williams & Fudge abused XXXX XXXX who is currently law school student.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

While I was booking a flight to XXXX XXXX on XXXX XXXX XXXX, an Ad popped up stating XXXX miles if I apply for the credit card. This miles was in addition to the statement credit of up to {$300.00}, which I have received. I applied the card, it got approved and delivered and I have also started using it. 

But when I check the credit card app from Chase, it is only showing XXXX miles awarded. This is not fair. The attached screenshot clearly shows new member bonus for only XXXX miles while the original promise shown on the advertisement was XXXX miles.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

This is in regards to a BusinessLine Mastercard with Wells Fargo.I had an  outstanding balance with favorable interest rates ( adjustable based on some index ) that had no expiry date ; it was offered to me more perhaps close to 10 years ago. Because I had a large amount of unused credit, last year the bank offered 3.99 % for 12 months. I called in to ask if payments would be applied to the balance with lower interest rate ( which I wanted because it has an expiry date ) and was told yes. However, in reality that is not the case. Some amounts were applied to the lower interest rates but some to the higher one. When I called in to request that all of the payment ( after interest and bank fees ) to be applied to the lower interest rates ( which has upcoming expiry date ), I was  told that that's not possible because they " can not make adjustments ''. When I asked why the payment was not applied to the lower interest rates as I was told, the reply was that that's the general practice but not always and I was referred to some fine prints that says the bank can decide how to apply payments. Most of the phone reps didn't even know about this fine print. I talked to three different phone reps and when I said payment was not applied to lower interest rates, they all initially seemed to think that their computer made a mistake!
Consumer complaint received 2020-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (NC)

My loan was transferred to a new company ( Mid America Mortgage ) last XXXX and Payments that I had already made to the previous loan servicer for XXXX and XXXX ( XXXX  ) were taken out of my bank account, but not applied to my mortgage. Since then, the new company is stating that I am delinquent on my account and will not allow me to make on-line payments or take a payment over the phone, however payments I have mailed for XXXX and XXXX have not been cashed. They are stating it's my responsibility to provide that I have paid them before they will " move any farther '' on my account. I have provided bank statements for XXXX and XXXX showing the payments taken out of my bank account, but there is no way to " prove '' that I sent the XXXX and XXXX payments other than copy of my check register. 

I have tried to call them multiple times over the past two months, but wait on hold for excess of 2 hours being told I am " 10th in que '' ( for two hours ) or " next in que '' for over an hour, then the call is disconnected. When I select the " schedule a call back, and you will not lose your place in line '' option, no one ever calls back. 

A representative from the company called me today to tell me I was four months behind on payment, and when I offered to pay it all on the phone, he said he " could not do that until this is resolved. '' When I offered that paying it would " resolve it, '' he stated he could not do that, and I needed to email them " proof '' that I have made my payments. 

I am concerned that this will eventually lead to them trying to foreclose on my home, despite me trying multiple ways to pay my monthly mortgage.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX
Consumer complaint received 2021-12-06
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. (MI)

I have tried to dispute with all XXXX credit bureaus multiple times each. I have reported to all XXXX bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so XXXX they still aren't verifying anything despite it all being FRAUD. I need help.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

Paypal held funds without my authorization in the amount of XXXX. Pay pal has continue to hold funds illegally in connection with the violation with the XXXX XXXX XXXX. Pay pal has not issued payment with first judgement for same illegally activity an Electronic hold with authorization.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (VA)

I received two Lowes Business Advantage credit cards in the mail from Synchrony Bank on XX/XX/2021 as well as a letter in a separate envelope welcoming me to my new credit account. The account was opened using my first name and " Construction '' in place of my last name. 

As I did not apply for these cards, I called Synchrony Bank at XXXX and opened a fraud case. They informed me that an individual using a lot of my personal information opened the account on XX/XX/2021 and made a number of charges immediately. Synchrony informed me that they have closed the account and will be having their fraud investigators contact me in 7-10 days.
Consumer complaint received 2020-11-05
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. (GA)

To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose