davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: American First Finance, Inc. (FL)

After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (MO)

To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent repeated letters to Experian in regards to the compliance of an how an Inquiry has been reported on my credit report. The Inquiry is listed as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they informed me via letter that they do not grant loans or accept credit applications. I then send a demand for immediate removal letter to Experian to remove the inaccurate inquiry. I have sent them several letters demonstrating the REQUISITE LEVEL OF PROOF from XXXX XXXX XXXX that the inquiry listed is reporting inaccurately and non compliant.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (MD)

Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I was out of town in XXXX and asked my brother to make a {$1000.00} payment for me to Citi Cards using money orders. I sent him all the information to do this. He sent Two {$500.00} money orders to Citi by US mail in the same envelope that also contained my remittance advice from the bottom of my Citi Statement. Citi credited one and not the other. I have called over and over. No one can talk directly with the " payment disputes '' department. I get someone different every time that tells me a different story. One csr even stated that it happened to him and it is a common practice at Citi. One "  supervisor '' even looked through the unapplied payments '' for over ten minutes looking for my missing payment. How could there be that many unapplied payments?? I am XXXX years old with an XXXX and have run my own business for many years. I also know the usual money order customers. I am convinced that many other Citi customers that are not as sophisticated as I am, would have given up long ago in their quest to get Citi to honor their payment. This has been an absolute nightmare! Even though it was obvious they got both money orders because they were sent in the same envelope and both were cashed but only one applied, they refused to do the research necessary to find the payments. I finally had to go get two more money orders to send to XXXX XXXX at {$15.00} each plus overnight postage to get the copies of the money orders Citi negotiated. I finally received the copies of both {$500.00} money orders showing that Citi had cashed them both. I then faxed theses copies with a cover sheet and a copy of the letter Citi sent requesting such copies to the appropriate fax number. At this point I assumed Citi would be forced to apply the " phantom '' payment that they had cashed back in XXXX. I was wrong! Today I get an email stating " that since I did not respond, they were recharging my account for the conditional credit they had given me. '' I have a secure computer fax that records in minute detail every fax I send and receive. I sent, and Citi received on XXXX the fax and their previous letter asking for " proof ''. Four pages sent by me ; four pages received by them. This is unacceptable. If they are doing this to me, and even with indisputable proof, remain unwilling to apply my payment correctly, what do you think they are doing to thousands of people that do not have the resources I have to follow through? Please hold these people accountable for my payment and for all the other people that are being unfairly taken advantage of by this unethical group. Thank you. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX acct ending in XXXX
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX CARD SERVICE # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX  # XXXX 4.XXXX  XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: B&B Funding, LLC (CA)

B & B Funding contacted me in XX/XX/XXXX. Stating that they are going to foreclose on my property for a second mortgage that wasn't paid. I was advised that the second mortgage was charged off by the original lender. This was back in XXXX. I didn't hear a word from anyone regarding that second mortgage until XXXX. I thought it was canceled. The person I spoke to said I had to sell my property before they foreclosed on it. The person I spoke to wanted proof I had put it up for sale on the real estate market. He had me send him a picture of the listing, whish I did. He also said the property needed to be sold by a specific time frame. My property sold for {$500000.00} ( XXXX XXXX XXXX ). B & B Funding took {$220.00} ( XXXX XXXX XXXX XXXX XXXX ). The rest was paid to the first mortgage. I received a small amount. I was not aware of this bureau ; I would have contacted you if I was aware of this bureau. I believe it is a zombie mortgage. I was force to sell that was so UNFAIR.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX I called Capital one to verified I can make a payment using a prepaid debit card. I was told by the representative as long as there was an account number and routing number I would be able to use the card. The next day XX/XX/XXXX I called Capital one back to make a payment. The representative verified while on the phone with a XXXX banking rep, my account number, the routing number and clearance of the total payment. 

On XX/XX/XXXX I find out the payment has been returned. I first called XXXX to find out what happened and they told me the payment never came through. I then called Capital one and the rep. tell me she was not sure why the payment was returned. I then proceed to make the same payment using a different bank account. That payment was cleared the next day so I didn't think too much about it, just thought I couldn't use a prepaid card anymore. 
The day after XXXX I went to use my card and find out it had been closed. After talking to countless representative on serval different occasion. After hours on the phone trying to get this resolved, I finally get an account manger who tell me that they gave them the wrong routing number. The number that was giving was the number to process deposit to the card and not make withdrawals. I do not work for Capital One nor do I work for XXXX XXXX. This is not my fault. I had no ideal there are two different routing number for prepaid cards.

The rep stated that she would request that the card be reopened but there are no guarantees. This could take up to three weeks to process. This is unacceptable. I have had this card for over a year I use it to help with credit building and to help me in between paychecks. Me and my family depended on this card.
Consumer complaint received 2018-12-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NV)

My car was repossessed by American Honda Finance on XX/XX/2018. I was never given a notice of sale. This violates my consumer rights, California Penal Code 1812.2 ( state car was repossessed ) and XXXX XXXX ( state where I reside ). I updated all contact information with XXXX on XX/XX/2018, well over a month before Honda sold the car. His phone number is ( XXXX ) XXXX. This information can be verified via my account notations. I was never given the option to redeem the vehicle, nor was I afforded the opportunity to attend the auction as no notice was sent to my current address. Suspiciously, after the vehicle was sold, Honda was able to send the deficiency bill to my current address ( on file ) - I will attach a copy of this.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

{$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

This is the second complaint regarding this bank ( Huntington Bank ). My first complaint was resolved after approx. 2 weeks of fumbled research and was well documented that Huntington made an error ( issuing cashiers checks from a line of credit that I didn't authorize ).

Now, I just received an alert that I set up regarding a transaction that exceeded a predetermined threshold. Upon investigating the transaction I discovered the account no longer exists and I am not sure where the withdrawal of {$550.00} went.

I spoke with 3 people at the Bank and none of which can tell me what happened and why the account was closed. I was sent to a phone number XXXX that is simply voicemail. 

I have no idea if this was fraudulent or if there was another issue. However, I find it very unsettling that financial institution does not have anyone on hand to explain to the consumer what happened. 

This closely mirrors the previous complaint in which I was told there is no one in the Bank to address my concern because it was around XXXX ( not on XXXX ) and there was no one of authority around to remove the hold on my account despite the facts pointing to Huntington as the cause of the error.
Consumer complaint received 2023-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Selene Financial became my loan servicer on XX/XX/2022. On XX/XX/2022 Selene notified me that they had added {$12000.00} to my loan for interest charged since the month prior. Why was this amount erroneously charged?
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I'm filing this complaint because XXXX, XXXX and Experian refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my EXPERIAN report and there are 4 on XXXX  and 4 on XXXX. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. EXPERIAN, XXXX and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that EXPERIAN, XXXX and XXXX verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from Experian for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and Experian and XXXX  BOTH conveniently stated that they only received

one letter. ONE LETTER!! Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!
Consumer complaint received 2020-09-23
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. (CA)

Equifax does not allow me to log in. The reason is that the name they use on businesses to verify me is different from the name the businesses use themselves. Example : XXXX   presents themself to me as XXXX ( XXXX is an abbreviation for XXXX XXXX XXXX XXXX XXXX. 

For this reason I can not be verified. 

I have asked them for a verification that is not defective like this, but it is like talking to a wall. The operator and the supervisor can not 1. refresh the questions, 2. Verify me some other way, og 3. Fix the defective system. 

Please assist me with this.
Consumer complaint received 2021-07-19
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. (MD)

Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and Transunion BOTH conveniently stated that they only received one letter. ONE LETTER!! 

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And Transunion didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!
Consumer complaint received 2018-12-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cottonwood Financial Ltd. (IL)

On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (VA)

I am a victim of identity theft my information was stolen from XXXX XXXXXXXX and Equifax data breach please remove these fraudulent inquiries please remove from my account. XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX