davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I HAVE SENT MULTIPLE LETTERS AND PROOFS TO EQUIFAX TO UPDATE MY CURRENT ADDRESS AND REMOVE OLD FRAUDULENT ADDRESSES THEY HAVE REFUSED TO DO SO. I HAVE NOTIFIED THEM THAT MY CURRENT ADDRESS IS XXXXXXXX XXXX XXXX XXXX MI. XXXX. I HAVE ASKED THEM TO REMOVE ALL OTHER ADDRESSES AS THEY ARE INVALID AND FRAUDULENT THEY HAVE REFUSED TO DO SO. THEY ARE LEAVING THIS INFORMATION ON MY RECORD LEAVING MY OPEN TO BECOME A VICTIM OF IDENTITY THEFT ONCE AGAIN
Consumer complaint received 2023-08-22
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: HYUNDAI CAPITAL AMERICA (TX)

I purchased a new vehicle in CA XXXX from Hyundai and have been having issues related to having the title transferred to my home state of TX. I am unable to get ahold of anybody when I call the customer service line. I completed the title transfer application on the Hyundai Motor Finance website almost 6 months ago and have not heard anything in regards to the title transfer status.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Ok so ny boss XXXX wrote me a check then I deposited it into my us bank account then one day this guy calls from the fraud department and asks if Im XXXX XXXX doesnt verify me the way they are supposed to and the guy ended closing my account they told me to step into my local branch to pick up my funds and they didnt want to give me my money affter I already had the issuing party contact them to prove it was authorized and they said there keeping my funds untill I can prove other wise I worked hard for that money and there just gon na close my account and keep it
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

Im in the process of terminating my contract with XXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1- Lied about ease and availability for any and all units in the XXXX XXXX. We have never been able to book any XXXX  property using the service we paid. 

2- Promised us One on one service for booking our first visit, never had a callback from our salesperson after our initial meeting. 

3- We were promised a period of stay at our " home '' property and were never able to use. 

4- We were told the unit would earn value but when we tried to resolve with XXXX, they were only going to buy back at a seriously depreciated " title '' and additional fees. 

5. Paid then over XXXX and never used properties.
Consumer complaint received 2019-09-18
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. (NY)

On my Transunion  and XXXX  reports my XX/XX/XXXX my XXXX XXXX XXXX loan increased by XXXX us dollars. I have not missed any payments. The aforementioned amount was suppose to be the amount they obtained for XX/XX/XXXX. My account has not been updated for XXXX XXXX or XXXX. I filed approximately 2 complaints with XXXX XXXX with negative results, ( no investigation basically ). I contacted XXXX XXXX on XX/XX/XXXX and the customer rep told me that my account is current and the current amount on my loan is {$14000.00}. I explained to the rep on the complaints that I filed with no results and that there are no updates on my credit reports regarding XXXX XXXX. The rep also said that at the end of XXXX my account balance was {$15.00}, XXXX. The rep ( XXXX  ) said that she will forward this info to the correct department and someone will contact me. It is XX/XX/XXXX, and no contact and no update on my credit reports. They ( XXXX XXXX  and XXXX XXXX ) are allowing these business records to contain this false information and not identifying the person falsifying these business records, which has a negative impact on my credit.
Consumer complaint received 2019-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a inquiry From XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from Capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital One Auto Finance In XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
Consumer complaint received 2019-04-11
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: Sierra Holdings LLC (NC)

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company   formerly Sierra finance. This information was given to XXXX and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (NC)

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX   XXXX formerly XXXX XXXX. This information was given to XXXX and Equifax via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.
Consumer complaint received 2019-04-11
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)

XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.
Consumer complaint received 2019-02-04
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: TD BANK US HOLDING COMPANY (GA)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your bank of an application submitted to TD Bank XX/XX/2019 using his information without his consent. An inquiry was made into his XXXX  credit report based on that application. An account was established based on that application. TD Bank was first notified of this fraudulent account XX/XX/2019 via a phone call and my client was told not to worry that TD bank was going to address this issue as fraudulent. An official dispute of this account was provided to TD bank XX/XX/2019 however my client received a bill from TD Bank concerning payment for this fraudulent account. This is a known fraud issue and by law, FDCPA, TD Bank CAN NOT attempt collection effort of communication with the client until an investigation has been conducted. 
Currently TD bank is in violation of the FDCPA and the FCRA.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Commercial Services, Inc (NC)

I was contacted XX/XX/XXXX by XXXX at National Commercial Services related to a car rental claim paid by XXXX for a fender bender in XX/XX/XXXX. I chose not to file with XXXX XXXX, my insurance company, to keep my rates down and paid for all car repairs and a rental car directly. After checking with the other party and her XXXX agent, on XX/XX/XXXX I spoke with XXXX at NCS and emailed him a copy of the credit card statement which showed XXXX and the other party 's name requesting he close the collection. He called today XX/XX/XXXX and left me a message threatening to have my drivers license revoked if I did not pay. When I called him back, he confirmed he had received the email and evidence of payment to XXXX, but continued to push for collection. I considered him threatening and rude. When I told him I paid for the repairs and rental, he said " XXXX doesn't repair cars ''. I told him not to get smart with me, I paid both the shop and XXXX. After he kept going on about this and that, I told him the charge was bogus and I wasn't paying anything. Eventually he said he was closing their file and XXXX would deal with me directly, still threatening, then hung up on me. I am also notifying the DMV to head off any suspension of my license based on this false information since in my state, insurance companies have that power.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KY)

XXXX Credit Card is calling me because my boyfriend is late on his payment. I do not even have a XXXX credit card and have no idea how they got my number but they call me every hour. I have told them that it is not my account but they continue to call. The file that I have attached is an example of every day.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: INVESTORS BANK (NJ)

XX/XX/2019 - I went to Investors Bank  located in XXXX, New Jersey at XXXX XXXX   to cash a bank Certified Cashiers Check from XXXX XXXX. ( routing number XXXX ) XX/XX/2019 - I went to Investors Bank located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from XXXX XXXX  was forged. 

XX/XX/2019 - I was told by the branch manager of Investors Bank that they could not do anything for me and that they were not liable. However, Investors Bank was responsible for depositing the check. Investors Bank in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - Investors Bank located in XXXX gave me a copy of the forged check and told me that XXXX XXXX has to file a forged endorsement claim. 

XX/XX/2019 - XXXX XXXX  branch office in XXXX Pennsylvania said that it is Investors Bank responsibility to fill out the forged endorsement claim. 

XX/XX/2019 - After my previous claim # XXXX XXXX bank said they are not responsible. Investors Bank said they are not responsible, XXXX XXXX  said they are not responsible. Neither one of these banks has stepped up to help me out. I could call Investors again and they are gon na blame XXXX XXXX. 

WHO IS RESPONSIBLE?
Consumer complaint received 2019-04-11
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. (VA)

I recently obtained a new credit card with Bank XXXX XXXX. XXXX sent me a letter saying my credit score had been downgraded due to four factors, three of which are absolutely wrong. The letter directed me to contact XXXX the event of any issues. Experian adamantly maintained that they don't generate the credit report, just the score ( my call was transferred several times to several countries, but they all said the same thing ). One rep suggested I try to fix the problem on line, but I found that that is not possible because the website 's canned scenarios don't cover this situation. I called Bank XXXX XXXX, and they said that in fact it is Experian that generates the credit report and the credit score. When I tried again to use Experian 's website to resolve the issue, the relevant links on their own site turned out to be broken. Can you assist in correcting my credit report and credit score? Thanks! 

P.S. A copy of the relevant page from the XXXX letter is attached.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a credit card with Capital One. In response, I received a letter dated XX/XX/XXXX stating, in part, that : " ( W ) e were unable to verify the following information : Address '' and requested that I call immediately. After being on hold for more than 15 minutes, I spoke with " XXXX '' who told me my address was fine. They had to verify my identity and want my driver 's license. I told him that should have been requested in the letter. I also told him I refused to provide driver 's license information over the phone. I told him Capital One 's business practices were deceptive and he told me he would cancel my application. Capital One should write an honest letter and provide justification for the information they are requesting. Since other companies approve online applications, Capital One should do so too. If their application isn't complete online, they should update it or remove it.
Consumer complaint received 2024-05-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

I was in a bar in a foreign country and they ran a scam where they added extra items and extra XXXX to the bill. Each bill was inflated by 10x Amex ignored my complaint and has illegally charged me for unauthorized charges. 

A secondary issue is that Amex is charging me {$5.00} per month interest on a cash withdrawal I repaid almost immediately. {$5.00} per month amounts to >30 % per annum on the amount withdrawn. This can't be legal. In addition to the {$5.00} " interest '', they charged {$10.00} in " fees '' for a small {$200.00} withdrawal. This makes the first months interest and fees >7.5 %. This must be illegal. The cash advance was paid off back in XXXX.
Consumer complaint received 2019-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a denied letter from Bank of America Home Loans stating they my gross income was less then what I gave them as proof of gross income. I sent a letter requesting a re-evaluation and my bank manager tells me I have to submit a who new request due to change in circumstances when I already submitted the proof of income increase while they were in the collection of documents stage to verify income. I was requested to send in bank statements, letters and other documents to prove income but never told I had to submit a new RMA for the increased income. Now after the denial, the bank is stating it's my fault for not putting the increased income but the bank never processed the request sent in XXXX and the increasing income was approved in XXXX to begin in 2019. All of this paperwork was submitted to the bank before it went to underwriter and I had filed several other complaints stating they keep requesting documents from me that have been submitted and now they are saying they never had this information and I need to submit a new form and they will not re-evaluate my loan modification request because it's not a bank error when it is. My bank case manager for my loan never asked me to fill out a new RMA form for the increased income but asked for proof of the increased income so why would I not think they would be using it in the evaluation? The bank doesn't deal fairly with people when requesting information and how they process the information sent to them.
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sent certified Cashier 's checks to Bank of America three different times ; each to a different account number, but supposedly for the same service, in order to get a package mailed from XXXX back to the United States. 
On XX/XX/2019 I sent {$17000.00} to XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX, Texas, to Bank of America Acct. XXXX. 
A second payment, supposedly for insurance, for {$38000.00}, was sent on XX/XX/2019, to XXXX XXXX XXXX XXXX , XXXX at Bank of America Acct. XXXX. 
Finally, a second Insurance payment of {$100000.00} was sent to XXXX XXXX XXXX, Bank of America acct. XXXX on XX/XX/2019. The XXXX XXXX  XXXX listed an address of XXXX XXXX XXXX, XXXX, Tx XXXX as their business address. This last check was also sent from my personal account at XXXX XXXX XXXX XXXX XXXX, where the first two checks came from XXXX XXXX XXXX. 
Per your instructions, I am not providing my personal information, although you will see some of it on the copies I send with this complaint. 
Just as soon as I realized this was a complete scam to take my money, I went to Bank of America to try to recover what we could and see if there was any way to get the payments reversed and the money returned. 
Up to this point, nothing has been reversed nor have I been able to find out much information as to what will happen. An employee there told me he used to work with the CFPB, and that I should file here as well. 
I am attaching copies of the transactions that took place. Please try to get these money transactions reversed and at least some of the money returned, as this is my entire life 's savings. Thank you very much for your attention to this matter.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I applied for a loan on XX/XX/2020 and was denied from XXXX credit XXXX XX/XX/2020, I received a denial letter from XXXX XXXX XXXX with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from Equifax.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( Equifax ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.Equifax said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, Equifax is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No.  XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
Consumer complaint received 2019-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX and on XX/XX/2019, by certified mail, Equifax received my dispute of accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) they are required to provide verification in the form of an original signed contract proving this is my debt. 

Not only did they fail to do that, but they did not notify me of the results of their investigation and send me a copy of the results of their investigation wih a new updated credit report within 30 days of receiving my written dispute. 

This is Willful Negligence and violation of Federal Law on their part. 

Action Required : Delete all of the above listed unverified accounts that continue to be on my credit report and continue to damage my ability to obtain credit, employment and reputation. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-05-03
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. (FL)

THESE INQUIRIES ARE NOT MINE AND FRAUDULENT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,