davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I want to find out why this is like this at XXXX and no other bank, I've asked a teller and they couldn't give any answer. Each month I put money into my checking account with my mortgage company to pay the bill. I used to put a check in, but they would most of the time put a 3-day hold on the check ( excluding weekends, so sometimes 5 days ), and then they would take an extra day to " pay themselves ''. I don't understand the 3-day hold+ delay in paying themselve since they take the money out of my other account within hours the same day. So, I started taking cash from my other bank account and depositing to avoid their holds on my money. But it appears, they still delay applying the payment to my mortgage which is with them. 

For example : I deposited cash on XX/XX/22 and paid the mortgage on XX/XX/22 and this was before noon on XX/XX/22. They did not " send '' my payment to themselves until XX/XX/22. As of today XX/XX/22, the payment still has not been applied to my account, for the payment due XX/XX/22. 

I'm just wanting to know why a bank is doing this. I am paying the same bank that has my mortgage. When I originally set up the mortgage, they told me I had to do the payments through a checking account with them or they would charge me more and that also it would instantly process the payment and avoid issue. However, that is clearly not what has happened. 

Oh, and I am not able to deposit my payment directly into my mortgage account. I have to put it in checking and then pay them and allow them to do this delay. I even use their online banking to make the payment. Why can't I just make a payment directly into the mortgage online? 

No other bank I deal with does this. So I'm just trying to understand why this is allowed..
Consumer complaint received 2021-06-25
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

The report lists a residence of : XXXX XXXX XXXX, XXXX, FL XXXX. I never have lived there. 

It lists XXXX XXXX XXXX and his address, XXXX XXXX XXXX, XXXX, TX XXXX as me and my address. He is my brother ; his information should not show up on my report.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  Acct # XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instruction
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2021 My account was placed in fraud status. This is due to the bank illegally obtaining my credit information and illegal down payment information. I was told by a representative that I can not make a payment on the is account unless its a certified check ie XXXX XXXX. My current independent bank is XXXX XXXX XXXX XXXX funds are supposedly not execrable. My credit card used to pay for the car in full was excepted. Ms. XXXX is under Ally Autos Financial and in Charger of the account.
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MD)

XX/XX/20 - my XXXX XXXX died while on XXXX XX/XX/20 - XXXX XXXX XXXX informed me that I would need a new engine. I contacted Chrysler Corp office and was told that they can not help because my warranty expired by miles ( but not years ). I was also informed by the dealership that my vehicle was only worth $ XXXX ( my outstanding loan payoff is currently $ XXXX ). 
XX/XX/20 - I contacted Chrysler Capital to ask for lower payments and that I voluntarily participate in repossession. I was denied a lower payment ( I currently pay {$680.00} per month ). 

I had to go out and buy new vehicle after the news. Ive started the process to voluntarily give vehicle back to Chrysler Capital. Is there anything that can be done to protect my credit and have the negative equity forgiven because of the large amount of negative equity.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I called Lexington Law Firm on XX/XX/XXXX. I was advised that the services would cost {$130.00} should I keep them past 5 days. I later that day called to cancel but the law clerk assured me they are helpful. I then found out that they were being sued so I called back. They make it impossible to reach anyone when you ask to cancel the line is disconnected. I found an email from an employee of theirs so I wrote them my request to cancel in writing and have it on file in my email. They close off the chat and when you call the phone says they are closed on Sunday which was my date to cancel so you have no means to cancel other then an email to someone at the firm which is hard to find. When I called on Monday to ensure i had been cancelled they had not cancelled. I continued to chat at length about cancelling they just refuse to let you cancel and leave. He finally cancelled and I get a message stating I will be charged {$130.00}. They did absolutely nothing. My account remained the same they sent nothing out on my behalf and I cancelled like they stated within the time frame, but because they are closed and know they have gotten my email they are stating that is their general email mailbox. That should not matter as it is attached to their company and is there on file for them to look at. This company is super shady and once they have you in the company refuse to let go of you until they get some sort of money even for services not rendered. I will also be reporting to my credit card company. They need to be closed down.
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX continues to report erroneous information on my credit report and will not allow my dispute to be processed. Transunion has removed these accounts as they were deemed fraudulent. XXXX has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX # XXXX XXXX XXXX XXXX # XXXXxxxx
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION HAS VIOLATED THE LAW ALONG WITH XXXXXX/XX/XXXX. I DID NOT GIVE WRITTEN CONSENT TO XXXXXX/XX/XXXXTO PULL MY CREDIT. TRANSUNION IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS XXXX ACCURATE.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I have two CitiCard accounts ( one through Costco and one through XXXX XXXX XXXX   XXXX  ) I applied for Covid-19 assistance to defer my minimum payments for XXXX and XX/XX/XXXX. At that time, my minimum payments were around {$200.00} for each card. ( FYI I am being charged a ludicrous 27.4 % interest on the balance for the Advantage Citicard account and 15.24 % on the Costco Citicard account. ) At the time I applied for assistance, I understood that interest would accrue on these accounts. I was NOT told that I would be responsible for paying - in full - the entire amount of interest that accrued and pushed me over my credit limit. Consequently, I received a minimum payment due for the AAdvantage card for {$850.00} for XXXX and {$310.00} for the Costco account! This is not helpful for someone who is struggling at the moment due to the pandemic. 

On XX/XX/XXXX, I called Citicard to see what they could do. I asked if they could extend my limit so that my minimum would not be so large and unmanageable. I asked if they would reduce the interest rate. They offered to allow me to pay {$240.00}. on the AAdvantage card but that I would still have a huge minimum payment next month! 

So, as it stands, I am worse off now than when I originally applied for the assistance. This is a gross misrepresentation of this promoted service and it's a ripoff when interest rates are so astronomical. 

It is no help whatsoever for struggling families to ask for help and then be suddenly gouged like this causing even more financial stress during a time when they've experienced hardships through no fault of their own. 

Please see what you can do to help consumers on this issue for ALL credit card companies. Their greed is way beyond normal. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-01-10
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. (NY)

None of the accounts below belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2023 at approximately XXXX I received an email on a credit card application from bank of America that I did not apply for. I noticed the email at around XXXX in the morning XX/XX/XXXX and called bank of America . After speaking with the fraud department they asked if there was a reference number, to which I gave them. They concluded that in fact a credit card application was received. I explained that i never applied for the card and i was told it would be placed as fraud and that it would not effect my credit score because they would communicate it to the 3 major credit card bureau 's. then on XX/XX/XXXX at XXXX XXXX I received a text on my phone stating that the card was actually approved and would arrive within 14 days. I quickly called the bank again and they forwarded me to the fraud department yet again to cancel this card from being processed and sent out. the person I spoke too from the fraud depart informed me that the person who applied for the card had used my social security number and date of birth. I was told yet again that the card would in fact be canceled. at this point i have not received any notification in writing or in email that this card was cancelled. i have never authorized anyone to apply for me or issue a card in my name. I also Proceeded with a police report and I am currently in the process of freezing my credit with the 3 major bureaus.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
XXXX, Experian and XXXX.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Transunion - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I noticed a charge on my Citi card I did not make. I notified Citi and they opened a dispute. I have attached a PDF of the statement. At the top you'll note they gave me credit for the dispute. The charge shows on XXXX  XXXX to a XXXXXXXX XXXX store for {$550.00}, On XX/XX/XXXX they denied my claim. I have attached a PDF of their response. 

I carefully researched this, and responded to Citi on XX/XX/XXXX and XXXX to XXXX. My response referenced the XXXX XXXX response ( attached ).

Let 's look first at the response, page 2, on attached PDF " XXXX '' First of all, XXXX said " Customer claims credit not processed ''. No. I said I did not make the purchase. Not sure if this is Citi or XXXX at fault here. 

Now, blow up the receipt they attached. At the top, notice " Customer Name : XXXX '', My name, as shown on the statement, is XXXX XXXX XXXX This was a delivery of an appliance ( notice the white goods fee on the bill ) to someone named Mr. XXXX in XXXX County NC. BTW, I live in XXXX County NC, with a lake house in XXXX County, NC. Notice that near the bottom of the receipt is the notation " CUSTOMER : MR. XXXX '' Also note that this was an in-person purchase as evidenced by the scribble signature. 

I pointed all this out to Citi. I even included a screen print of my XXXX timeline showing that I never left my lake home XX/XX/XXXX - XXXX. The transaction at XXXX was made XX/XX/XXXX. I could not have signed that scribble. I'm including the screen shot of my timeline, You can read for yourself the notes from XXXX. on the next page of the XXXX response. They can't find the loading ticket, but she clearly states it was delivered and she even has some photos but can't figure out how to attach them. XXXX clearly thinks this is about a returned item. Nope. It's about somebody else using my account number. 

Moving through the XXXX response, they recite their return policy. This is not about about a return. It's about somebody else using my account number. 

I disclosed every bit of this advice to Citi. On XX/XX/XXXX, they denied the claim, again, stating that I had not provided valid proof of cancellation. 

They completely ignored all the facts I pointed out. This is frustrating. Oh, I even told Citi to tell XXXX to pull their video from the camera aimed at the register at the time of sale, get Mr. XXXX 's name and address, and prosecute him for credit card fraud. Nope. Just denied me, I think the attached Citi statement gives you account number and my name. If you need to contact me you can use XXXX at gmail. The dispute case with Citi is XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

XXXX  is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

On my credit report after 3 years of account closed Hyunday Capital posted a charge off in the amount of {$430.00}, when asked why an attempt of collection, call or letter was never sent they couldn't provide me an answer, my address and information never changed in the last 5 years, they simply decided to post the charge off which is hurting my business and financial situation since I need to keep my credit is good standing for my business to run properly.

My complaint is to make sure they had a valid bill and use not only the legal but the right way to do so, I have no problem in paying if they can prove the fact they tried to reach me first instead of simply report in my credit without giving me a chance of even check if is a legit debt. This is arbitrary and is hurting me and my business. 

I urge that such practice stop happening in the industry. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

We paid our mortgage off in XXXX. Since then, we have been trying to get the release of lien from Mr. Cooper, but they have given us a runaround. I spoke with their customer service and escalation departments six times and was lied to each time. As of today, the county registry of deeds still hasn't received the necessary paperwork. This has dragged on for more than four months, and we can't get any satisfaction from Mr. Cooper. We need assistance to get the papers that they are legally required to provide in timely fashion.