davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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: Santander Consumer USA Holdings Inc. (TX)

We have continues billing issues with Chrysler Capital since we opened the loan with them. But now the vehicle has been involved in an accident and considered a total loss. The insurance company XXXX XXXX XXXX has been paid off the loan amount at or around XX/XX/2020 and our online account with Chrysler Capital has been closed too. 
Due to the slow processing speed of Chrysler Capital on the insurance pay-off check which delayed the closure of the account, another automatic monthly payment of {$550.00} XXXX has been made to Chrysler Capital on top of the total payoff check from XXXX XXXX, meaning that Chrysler Capital owns us {$550.00} USD. 
We have requested Chrysler Capital multiple times to reimburse the {$550.00} USD but they have not responded to that request and they have shown a very non-cooperative attitude in this matter. 
Surprisingly, we also just received, without any previous notification, a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter dated XX/XX/2020. This letter states that Chrysler Capital accuses us of being in default of our contract and due to pay {$1100.00} before XX/XX/2020. Not paying will result in repossession of the vehicle and acceleration of the outstanding dept plus all accrued interest and other charges lawfully owing. The language is, as always with Chrysler Capital, very aggressive. 
Nevertheless, the vehicle is already paid off and owned by the insurance company XXXX, who posses the title send to them by Chrysler Capital, and it is Chrysler Capital that owns us an {$550.00} XXXX overpay which they refuse to credit. 
Several attempts to establish a normal and civilized communication to resolve this issue with Chrysler Capital have failed due to the incredibly incompetent and rude service representatives. They refuse to educate themselves in our case and simply threaten with sanctions. They also refuse to give us proper contact information to send statements to them so they can review the payments and conclude that Chrysler Capital is in default. Even the online statement indicates an overpayment although it shows an {$500.00} XXXX overpay which does not reflect the correct amount of {$550.00} XXXX that we paid. 
Requests to speak to a supervisor or XXXX have been answered by simply disconnecting the call.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I moved out of XXXX XXXX XXXX complex at the end of XX/XX/XXXX. Very soon after I received a letter that I owed money to the complex for damages to the furniture I did not ( nor any of my roommates ) make ( I do not recall an amount being stated in the letter ). I emailed the apartment complex manager on XX/XX/XXXX saying I would not pay for the damages I did not make, and sent her attachments of my inventory list from before moving into the complex that shows I had noticed couch damages prior to move-in, and had noted it on my inventory list. I received a reply two months later that said the damages were due to pet dander and stains, which me nor my roommates made. I replied to the email XX/XX/XXXX noting, again, that me and my roommates had not damaged the couch, that the condition we left it in was the condition we found it in. I also stated I would get an attorney if they continued to bill me a payment I was not responsible for. Since XX/XX/XXXX, I have not had any correspondence with the apartment complex manager until yesterday XX/XX/XXXX, when my mother ( who cosigned my lease with me for this complex ) received a call that the amount owed to the apartment complex had been sent to a collection agency.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe XXXX
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express RAISED MY INTEREST RATE BY 5 % AND CHARGED ALL EXISTING CHARGES AT 15.99 % RATHER THAN 10.99 %. I COMPLAINED TO THIS CONSUMER PROTECTION BUREAU. NOW American Express SAYS THAT I DID NOT PAY ON TIME AND THEY DOUBLED MY INTEREST RATE TO 29.99 % ON TWO CARDS : XXXX XXXX   AMEX CARD NO. XXXX XXXX XXXX AND XXXX AMEX CARD. XXXX XXXX XXXX. I CALLED CUSTOMER SERVICE IN XXXX AND THEY AGREED TO REVERSE THE INCREASED INTEREST, BUT THE SAID THAT I HAD TO PAY THAT AMOUNT FOR XXXX ONLY AND THAT THE NEXT MONTH THE INTEREST RATE WOULD BE THE 15.99 %. I TALKED WITH A SUPERVISOR ON THE XX/XX/XXXX AND SHE AGREED TO REDUCE THE INTEREST. THEY HAVE AGAIN AGREED TO FIX THIS ON XXXX  18 BUT I DO NOT BELIEVE THAT THIS COMPANY ACTS IN AN HONEST WAY. 20 % INTEREST INCREASE IS OUTRAGEOUS AND American Express SHOULD BE FINED AND STOPPED FROM CHEATING ITS CUSTOMERS.
Consumer complaint received 2023-07-27
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)

Several attempts to all XXXX bureaus to clean derogatory and false information. I've mailed several letters, paid postage via certified mail, made several phone calls, to all XXXX bureaus since the year XXXX all to have the same items and addresses still show on my credit report. Letters I've sent a few times didn't receive responses. i reported fraud and also filed a police report back in XXXX due to suspicious activity with credit reports. Equifax has had a data breach that I feel I was affected by. I am currently homeless and cant seem to do anything financially due to derogatory remarks and items being reported that I have asked to be verified all for them to take forever to respond and then for these items to come back as verified all because the so called creditor may have found and use a current address in attempts to validate the debt. I've surrendered over several peices of of substantial evidence that backs my claims but no fair justice has taken place. Reps for these bureaus who are working from home most of the time has offered little to no help or information. Etc., etc., etc.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I was approve from XXXX XXXX for XXXX  credit card limit XXXX since XX/XX/year> never missed a payment .Experian has my credit card information wrong and my history is not reporting .I called Experian to speak to someone about the misleading information .The repersentive stated the issue will be fix asap but nothing has been done. I have negative account that is not reporting correctly but instead they took away my good account that should not been deleted.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX, I acquired bitcoins ( {$2000.00} worth of XXXX  at XXXX ) and XXXX  ( {$2500.00} worth of XXXX  at XXXX ) through Coinbase. 
Reference codes of the transactions : XXXX ; XXXX I kept them there as a savings. On XX/XX/XXXX those XXXX  and XXXX basically disappeared even though I have a two step security ( password and text message ) access the account which never were activated. I have tried in more than three occasions to obtain response from Coinbase ( via mail and filing complaints through their website ) but so far no answer or reaction from Coinbase. 
Please advise how to proceed in this case or what legal options I have. 
Thank you.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX   XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming from.
Consumer complaint received 2022-07-11
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. (GA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$2600.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$9000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1100.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$1200.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

The fraudulent transactions on CashApp occurred on XX/XX/2023 ( posted XX/XX/2023 and XX/XX/2023 ). Its extremely difficult to contact customer service. The chat and phone both options were utilized on XX/XX/2023. Informed of ongoing fraud. The chat rep only asked to email. On phone too after hours of wait they were not willing to act to stop or atleast freeze the account till investigation is completed. I emailed same day ( before transaction was posted ) with detailed descriptions and pictures to support the investigation and prove the fraud. 

" Thank you for following up on the potential scam. Your report will help prevent future scams. 
At this time, your report has been submitted to the appropriate team for review and no further action is needed on your part. Keep in mind that while reporting a scam does begin an investigation, its focus is prevention and not recouping loss. '' I reported the fraud before transaction was posted. Spend literally hours on phone and went through panic to stop this scam/fraud. They did not freeze the account, or reverse transactions or any measure that would stop this and help prevent fraud. 

It appears the CashApp is supporting the frauds and scams by their actions.
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

Approximately XX/XX/XXXX an American Express account was fraudulently opened in my name. Approximately XX/XX/XXXX I filed FTC Identity Theft Report and XXXX XXXX Sheriff Identity Theft Report. Both reports were sent to American Express and all 3 credit bureaus ( XXXX, XXXX, XXXX ). The  fraudulent account was investigated and removed from all 3 credit bureaus. However American Express has refused to recognize the fraudulent account in my name as identity theft. I have been receiving multiple debt collection phone calls & corresspondence for the fraudulent Amex account.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (IL)

In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.
Consumer complaint received 2019-01-03
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)

I ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (FL)

pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (IL)

I applied on XXXX XXXX website for a personal loan. I was declined. They sent me an email telling me to login to my dashboard. So I click on email link to go to the dashboard. And this dashboard has a wrong physical address on my account. I was very concerned because I am the victim of ID theft. I called customer service and wanted an answer. The agent said I didn't know what I was doing and I told him English is my first language and I know how to read and I did know what I was doing. He asked his manager and then said " that happens, the wrong address on the account, be we don't know why, just login and update it. '' They didn't take my concern seriously at all. I had a problem applying for this loan. At first, they ask to verify your identity and ask for your last 4 digits of your social security number. And your address. But then I got a message saying they couldn't verify my information. I then entered my entire full length 9 digit social security number. Now I'm afraid someone stole my identity again. He did say my loan application was declined based off my real address, not this fake address, but how do I know this is accurate. Now I have to pull my credit reports to see if this fake address shows up.
Consumer complaint received 2018-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Illinois Lending Corporation (WI)

In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.
Consumer complaint received 2022-04-27
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 1, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ran my credit unauthorized by me on XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent them all certified letters asking to remove these inquiries. It has been 4 months and they are still on my credit report. 
I did not apply for credit with any of these companies and would like for these inquiries to be removed.
Consumer complaint received 2019-04-29
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. (MO)

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}
Consumer complaint received 2019-01-03
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. (SC)

Transunion continues to violate guidelines of fair reporting according to the FCRA. Attached to this current complaint is a copy of the letter I sent Transunion that they received on XXXX XX/XX/2018 requesting 1. The information that XXXX XXXX   sent Transunion enabling them to verify this inaccurate credit card charge off on my credit report.and 2. The contacts of the individuals from XXXX XXXX providing the inaccurate unverified information on my Credit Report. Transunion sent me a copy ( see attachment ) detailing re-investigation procedure. XXXX XXXX has informed me that they have NO contracts binding me to the account and stated that they believe the reporting is fair and left the decision to Transunion to remove this inaccurate unverified information. I have forwarded that letter from XXXX XXXX to Transunion who continues to report this WRONG information on my Credit Report. THIS IS NOT WHAT MY REQUEST WAS AND THAT IS NOT MY ACCOUNT. This will be my final attempt I have enough complaints and responses on this portal from Transunion to proceed with my small claims lawsuit for FCRA violations.