davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NV)

Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (GA)

I purchased a car from XXXX - XXXX XXXX through Mercedes Benz Financial on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that Mercedes Benz Financial does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called Mercedes Benz Financial and they are not willing to help either.
Consumer complaint received 2017-06-07
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. (LA)

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that S  XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX  e has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or Experian nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (AZ)

I went to a XXXX XXXX ATM on XX/XX/XXXX XXXX. I deposited {$720.00} in cash to my Dasher Direct XXXX XXXX XXXX  as this is a preferred ATM for deposits with my bank ( XXXX XXXX - Dasher Direct ) and I have deposited there before. 

XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sequence # XXXX Terminal XXXX The ATM held my funds and said There was a problem and your cash has been retained. Your transaction has been cancelled. Please contact your financial institution for assistance. 

I immediately called the XXXX # on the ATM and they told me my financial institution has retained my funds and I need to submit a formal complaint with them. I called Dasher Direct the same day they told me I had to wait at least an hour to see if it resolves itself, I did & then they were closed. I called back the next morning and they filed a formal report on XX/XX/XXXX. Since I provided all the necessary/ requested information I have not received a response or any updates. Dasher Direct just keeps sending automated responses that my claim is being reviewed and the ticket # XXXX.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

M & T Bank is aiding and abetting common criminals, con-artists, and scammers when they allow one of XXXX XXXX cardholders , in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX  girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the U.S. Government sent her back.

We did everything that we could, but the test of a credit card authorization under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to a signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( attached ) which he also did.

The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a surgery won't result in the patient 's death.

But either way we did the work, and deserve to get paid, not robbed as was done here, when M & T Bank refused our dispute that this was an unauthorized debit by XXXX XXXX, who unlike XXXX  and XXXX, understands that a lot of their cardholders are scumbag con-artists, freeloaders, shoplifters, and thieves. 

Please investigate and advise. 

XXXX  our duly charged and earned {$5000.00} legal fee payment.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXXXXXX ... 
Accounts with missed payments View all accounts XXXX XXXX XXXX XXXX XXXX XXXX 1 Missed Currently 30 days past due Overview You're currently using 129 % of your account 's limit. 
Balance {$380.00} Credit limit {$300.00} Minimum monthly payment {$46.00} Opened XX/XX/2018 ( 4 mos )
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

A USAA Banking Service account was fraudulently opened under my name on XXXX XXXX, XXXX USAA was notified shortly thereafter to the fact that I had not requested or applied for their card. No activity is shown on that USAA account, as shown with the XXXX Credit reporting website. Still... the account was opened fraudulently.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want this late payment deleted from my account within XXXX XXXX this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-02
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. (NY)

as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are several fraud/ unauthorized accounts listed. I am hereby notifying you that on those dates or similar dates I've listed in the documents I've mailed, I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax consent to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (OH)

I have a loan that TIAAXXXX XXXX was servicing and was sold to XXXX. 
Loan # XXXX I made payments to TIAA for XXXX, XXXX and XXXX of {$780.00} for which they did not forward all of them to XXXX. I have tried numerous times to resolve this with TIAA who says that they did not receive the payments and referred me to their " Payment Research '' department who has not been helpful and not provided me a direct dial number to resolve this situation, even after directly asking them. I have spoken with TIAA customer service about the issue and they have made notes on the account, but still no resolution. 
I have sent them documentation from my online bank portal and my bank has faxed them supporting documentation regarding my claim, but they will not provide me timely insight on the process or status updates. 
I am within 7 days of my grace period and this needs resolved ASAP. 

My bank has faxed other documentation directly to XXXX XXXX regarding this matter that I was not copied on so I am attaching the files that I have.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Subject : Credit Dispute and Request for Removal of Account from Credit Report - Account Number XXXX I am writing to dispute the information on my credit report regarding account number XXXX with Credit Acceptance. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. 

Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. 

I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. 

Furthermore, I request that Credit Acceptance remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. 

Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-12
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. (NC)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2021, I applied for a XXXX XXXX Credit Card with Capital One, and was offered the following : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening ''. ( Refer to Offer screenshot ) Once I received the card, I started making purchases with it to comply with the spend of {$500.00} by the offer in order to obtain the {$200.00} cash Bonus. 

I spent more than {$500.00} within the first month of use ( XX/XX/2021 ) - ( Refer to Statement ), and verified in the Mobile application when I accessed into my XXXX XXXX account, that the Bonus was being tracked, and once the {$500.00} were spent it showed " Your bonus is ready! '' ( Refer to Screenshot ) I thought the bonus will be reflected in the following billing period, so I waited but in XXXX the bonus didn't appear. 

After contacting Capital One on XX/XX/XXXX, I was told that the offer was not showing in my account, and the issue was scalated to a supervisor. 
On XX/XX/XXXX, I received a call from the supervisor, who informed that the offer was not included in the account, that they can't see why the offer was not approved, and that there is nothing they can't do to apply it. Even after asking multiple times, no explanation was given on why the bonus was not added to my account. 

Considering I opened the account, complied with the terms of the offer, and the account shows the Bonus is Ready, I don't understand why the {$200.00} bonus can't be applied. 

I am looking for the bonus to be applied considering I complied with the terms within the required period.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (DE)

Ally Finance got me 30 month late and I was in the hospital and I wasnt able to pay that month I have asked them to work with me but they chose to not work with me! I have asked them to remove the XXXX late off my account because of me being in the hospital I havent since been late on my account so thats why I am disputing it and looking for help on this thank you?
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
Consumer complaint received 2021-11-18
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)

I have sent numerous letters to Transunion, XXXX, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I received a debt card that was linked to a Wells Fargo checking account that I did NOT open. When I called Wells Fargo to alert them of this they asked me A LOT of security questions and asked for my social security number ( which I did not give them ) they basically kept suspiciously asking me for this information, even transferring back to forth to others that would then ask me for my social security again.. They also told me they couldn't " CLOSE MY CASE '' without me giving them my social. I explained that this account was opened fraudulently and I was not comfortable giving them MORE of my secure personal info. I was very displeased on how they handled this and it was very suspicious.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

I received an email on XX/XX/XXXX that advised my account was in a negative balance on XXXX  It advised that I had Extra Day Grace Period. With Extra Day Grace Period, you can avoid overdraft fees if your available balance is positive as of XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. After your grace period ends, if your available balance isn't positive, a {$35.00} fee may be charged for each overdraft up to a maximum of three fees. I made a transfer of {$60.00} to cover the negative balance as of XXXX that day. Some time after XXXX, the time Wells Fargo provided me, another transaction appeared as pending on the XXXX. This was after the time frame provided. I ensured my balance was positive on the XXXX. My ending balance on the XXXX was positive, including the fee they assessed. I find this to be deceptive and I reported it to Wells Fargo. I have been met with non helpful employees who have refused to escalate my complaint. They have refused to provide their first and last names, as well as, managers name. I have repeatedly asked to speak with manager and refused. I called XX/XX/XXXX and was hung up on, received no call back. They are asking for a case number and Wells Fargo never sent me a case number via their secured messaging through online banking. On XX/XX/XXXX, I made a transfer to cover the negative balance, my account was positive until sometime after XXXX on the XXXX. I woke up the morning of the XXXX and saw that another recurring transaction was pending. It was not pending or deducted from my available balance on the XXXX and did not come out and show pending until the XXXX. I was charged an overdraft fee of {$35.00}. But, according to Wells Fargo, as long as my balance was positive before XXXX on XXXX I would not receive a fee. Since Wells Fargo has ability to view my online sessions, they can provide proof that I looked at my account on the XXXX before and after XXXX  and it was positive. I have asked to speak to their legal, regulatory and ethical department and was refused. The only name I have is XXXX. When I saw another recurring charge was pending on the morning of theXXXX, I immediately made a transfer to cover any negative balance because the night before I made a transfer to cover the negative balance before XXXX to ensure my account was positive by XXXX.