davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MI)

I contacted Target RedCard services on XX/XX/XXXX due to my account being past due. The agent that I spoke with offered me an arrangement to avoid being 30 days late and also bringing my one payment current. I agreed at the time because I was unsure of my circumstances. I called back on XX/XX/XXXX to cancel the plan and was told that I could not be taken off of this payment plan until I paid the balance off. This was never told to me and had it been I would have never agreed to this plan. I spoke to a supervisor by the name of XXXX, who continued to interrupt me, and finally after being frustrated I just hung up. I also received an email about the terms and conditions and nowhere in it states that I must remain on this payment plan for 12 months and not have use of the card. This is illegal.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (DC)

XX/XX/2020 : American Express Credit Cards : American Express XXXX XXXX, American Express Delta  Platinum,  American Express Platinum I tried to charge {$20.00} for a XXXX Metro Card to refill my card. I saw the transactions kept getting denied. I then used my XXXX XXXX Debit card and the transaction immediately went through. I then called American Express and inquired why the transactions on my Amex cards were denied. I was told that there was a late payment, my one day, on my business credit card. I said ok, well we did not receive a statement for that account, nor a bill, or any notice of past due or upcoming bill. I said to suspend my personal account is not acceptable as my company is a Corporation with it's one FEIN. It's an entirely separate entity and to suspend all of my personal cards with them, available credit in excess of $ 16K was absolutely because of a clerical error and ailing to notify me properly was obscene. They did not issue any late fees or penalties, I paid the amount on the company card needed to re-activate my personal cards. I only had my amex cards during this trip and my debit card, which put me in a very precarious position. This practice is utterly unacceptable.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (AZ)

I received an invoice on BBVA credit card account in XXXX for {$32.00} with due date of XXXX XXXX, 2021. I sent a check through XXXX bank on XXXX for {$32.00} to address on invoicing. Toward the end of XXXX, I received communication through email of lack of payment from PNC Bank. I called and was requested I submit proof that payment was made. I mailed them the required documents. I then received an invoice in XXXX for {$130.00}, which instigated an immediate phone call to PNC Bank. I was told that once the PNC Bank received payments I would receive credit for payments made on time. They instructed me to pay the difference of {$100.00}. This was subtracting the {$3200.00} payment made and inoppropriate interest charge of {$.00}. I sent the check from XXXX XXXX for {$100.00} to address on invoicing for PNC on XXXX. Again the account was paid in full prior to due date of XXXX. Then in XXXX, I received invoicing for {$100.00}. They charged another {$1.00} intereston amopunt already paid on time. I called and was informed they had received the payments of {$32.00} and {$100.00} but the interest they claimed was owed even though I paid prior to due dates. They claim receipt was late which I don't believe was accurate, I paid the {$2.00} interest on XXXX XXXX in protest and notated this on check. I did not want any further extortion of interest from these XXXX. I feel a crime has been commited and that this practice needs to be rectified even if a lawsuit is extremely more expensive than the {$2.00} they have extorted.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

I was offered a credit card through XXXX XXXX. The Cbna company did not disclose the fact that they were going to apply a hard credit check on me. I did not give my permission to have a hard report ran. I wasn't even in the market to get a credit card.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Well, you got 1/2 of our original complaint accomplishedthat of not receiving a statement. WE NEVER RECEIVED A STATEMENT and when we heard from them it was by way of a collection agency and the balance had increasing charges. WE NEVER RECEIVED A STATEMENT how can we pay a bill when WE NEVER RECEIVED A STATEMENT. 
I do not now know my original complaint number, but I am writing to tell you the solution of having the company send a years worth of past statements is NOT A RESOLUTION. 
We will be happy to pay the original charge sans accumulated interest. But not the interest because WE NEVER RECEIVED THE ORIGINAL STATEMENT. 
Looking forward to a proper response and resolution. 
XXXX XXXX
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

The company NEVER called to discuss the escalation to the cfpb!! They closed my complaint with no explanation or response attached! They have yet to resolve my issue with the lack of service, unprofessionalism, and unfavorable policies for hardships! See complaint below : XXXX I contacted Nissan motor acceptance via chat first XX/XX/24. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.
Consumer complaint received 2018-11-19
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: General Motors Financial Company, Inc. (IL)

XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-11
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: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. 

I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.

On XX/XX/XXXX I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

And again with no " notice of dispute '' was ever placed on my account after 30 days.
Consumer complaint received 2023-02-14
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. (FL)

XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX didn't authorize the above items listed on my credit report.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I opened an auto loan with Santander Consumer USA for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to XXXX in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly 18 months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and Santander Consumer USAs credit department. Santander Consumer USA claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I disputed ownership of an account of my report, asking them explicitly to request proof of ownership which the creditor was unable to do, responding simply that I call them. Having not been able to provide this information and according to the FCRA and transunions actual policy, they should be removing this account. They have been near impossible to communicate to and simply insist I re submit a dispute over and over again, always waiting a full 30 days or longer to reply with the same response, that I should call the creditor and that they are not responsible for reporting the information, the creditor is. This has been a confounding experience and very disheartening to see that one of the only two credit reporting bureaus practices unlawfully. They also will not remove an account that was opened in 2015 and has had no activity on it since that date. I have sent them the full account history which shows this is the case but they insist on reporting this still, even though its several years past the statute for reporting. They have been equally as difficult to deal with to resolve this and have spouted the same replies as the first situation mentioned above.
Consumer complaint received 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (OK)

My XXXX account got hacked into, the hacker purchased a {$540.00} graphic card using the debit card on file there! Once shipped, the hacker changed the shipping address to go to them! 

I did not authorize this purchase, I did not authorize the hacker to use my debit card!
Consumer complaint received 2021-12-06
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/24. The first was from XXXX XXXX XXXX XXXXXXXX the second was THD/CBNA. I did not initiate these actions for either! On XX/XX/24 I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.
Consumer complaint received 2021-12-23
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon reviewing my credit reports from XXXX and Trans Union, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to 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 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 These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXXXXXX XXXX not applying for credit.
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (CA)

Our loan is managed by XXXX XXXX XXXX upon receiving our XX/XX/XXXX statement our payment was raised from {$1400.00} to {$1900.00} I contacted them and was told that I had a shortage in my Escrow impound.. I was never sent any notice that a shortage had developed something they were aware of starting at the end of XXXX. I asked if this could be paid over 24 months instead of 12 because a XXXX increase would cause me a financial hardship. They denied my request based on my ability to pay the extra XXXX. 
I feel they should work with me because they should have made an adjustment in my impound account a year ago and sent me notification. I found out about the increase in monthly payment when I looked into refinancing and was told my current monthly payment was listed at {$1900.00} In the past I always received notification and an opportunity to catch up my impound and there would be no shortage. I have requested 3 times for information from XXXX XXXX  and have received nothing. I believe my request to spread out this shortage over 24 months is fair but they are playing hard ball with me. With the current economic conditions caused by the XXXX lock downs you think they would work with people. When XXXX XXXX took over processing of our loan didn't know they were a collection agency and not a Mortgage Company