davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received an offer for 0 % APR on a convenience check from USAA that I was going to use but wording in the offer appeared to be in direct violation of CFR 12 part 1026 so I called USAA to clarify. 

The following is the concerning statement : " If you transfer a balance or write a convenience check with this offer, all purchases will be charged interest until you pay the entire balance in full, including any transferred/convenience check balances. '' The regulation is very clear that anything over the minimum payment must be applied to the highest interest APR, however, three different USAA representatives told me that is not the case. 

I gave the following example : I write a convenience check for {$1000.00} subject to 0 % APR I charge {$100.00} subject to 10 % APR My minimum payment is {$10.00} I am charged {$1.00} interest on this billing cycle I stated that if I paid {$200.00} then {$10.00} can be allocated to whichever balance they choose and that {$190.00} must be applied to the {$100.00} dollar charge and {$1.00} interest first and the rest would go to the 0 % APR balance. If I made no further charges then my next bill should have no purchase or fee balance and I should only be left with the 0 % APR balance if they are following the law. 

All three USAA representatives said this is not the case and that even if I paid {$500.00} that a portion would go to the higher APR balance and fees and that some would go to the 0 % APR balance but that my {$500.00} payment would not pay the purchase balance in full and that my next bill would still have a purchase balance remaining and that I would still be charged interest on that balance. 

This is a clear violation of the wording and the intent of 12 CFR 1026.53. I kept asking to speak to different people because I thought there was no way that USAA was so blatantly violating the law but after getting the same response from two normal customer service reps and a rep that specializes in USAA billing policies, it is apparent that they are. 

I am filing this complaint so that you can investigate their credit card payment allocation practices to determine if USAA is in compliance with regulations.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (WA)

My XXXX mother in XXXX wished to make a XXXX wire of her savings to me. An XXXX XXXX transfer of {$48000.00} was made to my Marcus savings account with Goldman Sachs XXXX code XXXX on XX/XX/2022. I have not seen the funds issued to my account or the seen the transfer rejected. 

The transferring bank has the proof of acceptance from Goldman Sachs as seen in the attached receipts. Why did Goldman Sachs accept the transfer? Where are the funds now? The transferring bank has tried to reach Goldman Sachs over authenticated XXXX messages and they have not been responded to. 

Please thoroughly investigate this matter at the earliest as to where the funds have gone. I seek resolution instead of a wall of excuses I have been hitting through customer support. This has been very painful and I have exhausted every legitimate avenue Goldman Sachs has left open for me.
Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/XXXX XXXX XXXX and I, entered into an auto loan with Santander Consumer USA. Neither of us had good credit, or stable income. The amount financed by Santander Consumer USA was {$37000.00}. The annual interest rate was set at XXXX XXXX. 

At present we have been paying on this auto loan for 41+ months, with the principal being reduced by just {$6900.00}. The outstanding balance after 41 months of payments is {$30000.00}. 

Santander Consumer USA was recently the defendant of a multi-state class action suit. Santander Consumer USA profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. Santander Consumer USA was ordered to pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. 

We strongly believe that our account with Santander Consumer USA is eligible for debt cancellation under the class action settlement that was announced on XX/XX/XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

Pioneer Credit Recovery - Robodialer calls every single day and has been for months. Sometimes multiple times a day leaving a message on my business voicemail system. 

The message has no reference number. When we call them to have them look up the phone numbers they are dialing they can not find them in their system to eliminate them. 

We have done this over and over and had no luck in eliminating these phone calls.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

There was inquires from JPMorgan Chase Bank on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2021-04-15
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: CITIBANK, N.A. (FL)

Paid off vehicle in XX/XX/2020 expecting the title lein to be released with Florida. CAlled in XXXX and Citibank was sending to their " third party '' team to release lien. I received a un notarized letter from Citibank that I took to DMV, DMV FL rejected saying it was not sufficient. I called back again in late XXXX and they again sent to 3rd party team that sent another letter 7 days later with a notary and seal. I went back to DMV escalated after initial rejection and DMV FL said they need to release it with the state through their 3rd party. Called back again worked with rep for 1 hour told to call back after a day and verify. Called next day was hung up on by the first rep after 30min hold, called back and escalated the issue to a supervisor. Supervisor said it's with 3rd party team again and nothing they could do or call the team. Citibank continues to push and ignore my request acknowledging I paid it off last year. I am unable to sell or transfer the title holding my funds hostage and depreciation of vehical as I wait. 

DO not finance with Citibank
Consumer complaint received 2021-03-10
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: HW Holding, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-06-14
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)

On XX/XX/2021 I send XXXX, Equifax, XXXX XXXX and XXXX  a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX  in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, Equifax and XXXX  in violation with FCRA they never answer. 

I went back to XXXX, Equifax and XXXX  on XX/XX/2021 sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.
Consumer complaint received 2022-12-03
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 several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Hello, for the past 4 months my Equifax credit file has been unavailable. I can no longer look at my credit report, nor can I see my history. I am not able to remove or manage a freeze. I have sent my social security card and driver 's license twice to Equifax. I sent it certified mail this last time and they received it XX/XX/2021. On XX/XX/2021 and XX/XX/2021. I was on the phone with Equifax for over an hour each time trying to get this issue resolved. The first associate on XX/XX/XXXX lied and said the issue had been resolved, but couldn't provide a confirmation number. I called back XX/XX/XXXX and the representative had me on the phone for over an hour and told me the issue had been resolved as well. Still no confirmation number. I called XX/XX/2021 and I was told I can ' t speak to a representative in the United States and Equifax system was down at the moment and to call back in two hours. I am not able to apply for anything, it seems that I don't exist in the Equifax world and this is truly a hindrance to my life.
Consumer complaint received 2021-04-15
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: FIRST NATIONAL BANK OF OMAHA (RI)

I received a notice from another credit card company this morning who gets their information from XXXX and the alert was that my credit card with First National Bank of Omaha was closed due to inactivity. First of all, the company has not issued me a letter stating they closed my credit card on me, secondly, I have been a customer of theirs since 2016 and have never missed a payment or have been late. Third, I called the company and I was advised that theres nothing they can do that I would have to reapply. Lastly, I was saving this credit card to use on an upcoming trip. In the meantime, I was trying to pay down the balance. Apparently in the United States credit card companies dont want you to use cash. They want you to use credit cards with high interest rates or else you get penalized like in this situation.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (IL)

There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they  agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.
Consumer complaint received 2022-02-16
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. (NY)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

Hi, my name is XXXX XXXX. On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NY)

I contacted CKS Prime Investments/ Velocity investments to validate this this alleged debt and they sent a letter stating that there was a judgement against me with No details and copies of some statements. I Never did any business with CKS or gave them permission or agreement to address me with any matter. I sent the first validation letter on XX/XX/22 a response from CKS/ Velocity on XX/XX/22 a second proof of validation on XX/XX/22 and no response. XXXX XXXX XXXXXXXX certified information
Consumer complaint received 2022-07-06
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. (IL)

I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 
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 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 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 2021-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I had received multiple notices of debt collection for 2 accounts from Midland Credit Management from XX/XX/XXXX to a certified letter potentially threatening legal action on XX/XX/XXXX. In response to a debt collection letter for account # 1 sent XX/XX/XXXX and another for account # 2 on XX/XX/XXXX, I sent a letter requesting validation of both debts : one dated XX/XX/XXXX and the other XX/XX/XXXX respectively. To this day, I have never received a validation of debt response for either accounts but have received multiple requests for debt payment via letter, multiple threats of MCM considering legal action, and potentially a court order via certified letter tomorrow from MCM. To add insult onto injury, I've found multiple addresses listed both online and on written notices for where debt validation letters should be sent to by consumers. While I can verify the validation letters sent on my part were to the address listed on received debt collection notices, it is impossible to verify if those addresses both in my letters and online are accurate and checked by MCM currently.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I applied for a Macy 's Amex credit card on XX/XX/XXXX. I received the card 1-2 weeks later in my mailbox. 

Since the name on the card was not correct ( my first name and last name switched ), I requested a replacement. However, I did not receive this new replacement card. Instead, I was notified by Macy 's in the beginning of XXXX that there seems to be fraudulent activity on my card. I contacted Macy 's immediately and asked them to stop further fraudulent activity. 

Apparently, someone stole the shipped card and used it for purchasing and getting cash while the new card " was not activated ''. Here is the list of these fraudulent activities : ( 1 ) {$200.00} on XX/XX/XXXX ( cash advance ) ( 2 ) XXXX on XX/XX/XXXX ( 3 ) XXXX on XX/XX/XXXX Also, I was charged with cash advance fees ( 4- {$8.00} ) and interest fees on cash advances ( 5- {$2.00} ). 

Although Macy 's claimed that they will remove these charges from my account and investigate the issue within 2 billing cycles, they did not. They only removed charge ( 3 ). All of the remaining charges stayed on my balance and I had to pay them off to prevent interest charges on my account. 

I have contacted Macy 's customer service multiple times in the last 2-3 months. Each time the representatives assured me that the issue will be resolved shortly or even " expedited ''. Today ( XX/XX/XXXX ), I called Macy 's customer service again and learned that they did not even know about charges ( 1 ) and ( 2 ) being fraudulent. The representative claimed that they will start looking into those charges now. 

I think Macy 's and Amex need to look into two problems : ( A ) A credit card that was not activated was used for fraudulent activity and purchasing ( B ) No one at these companies seems to care about removing these charges from my account I appreciate your help in resolving these issues. Thanks! 

( Attachement : Credit card statement containing the charges )
Consumer complaint received 2019-08-01
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.