davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-07-20
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. (AZ)

I have disputed a creditor three times with Experian. They are reporting me as having an account which is incorrect while my correct account is on my report. This incorrect account is not mine and Experian keeps updating it as a negative account. They have refused and failed to verify or validate within the guidelines of FCRA for over 45 days and keeps reporting immediately after I dispute. This incorrect possible fraud account is XXXX account XXXX and the correct account is US dept of Ed XXXX
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (TX)

On or about XX/XX/XXXX, I tried to set up a payment on my Arvest bank account via Arvest 's online banking system. 

My transaction errored out and instructed me to try again. When I did, the second attempt failed with a duplicate transaction. I contacted Arvest and they said there was a system problem and that my account would be fixed in a day or tow. 

I checked my account again on XX/XX/XXXX. The error transactions had not been corrected. I did try again to set up an account. This had the same errors that I encountered on XX/XX/XXXX. Arvest again said that they have a system problem and my account would be fixed soon. 

On XX/XX/XXXX, I noticed that my account balanced had dropped. When I accessed my account, errored out transactions were starting to process and make payments. The online system would not let me delete or alter the errored out transactions. 

I again contacted Arvest and was told there was a computer problem. No timeline was given as to when my account would be fixed. 

At this point, my account is basically locked since I can not set up payments for correct any errors.
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC. (TX)

Sun loan company has closed my account in 2015 and continues to charge interest charges to my account and report to credit agencies. I have spoken to manager Mr. XXXX at Sun loan location XXXX at XXXX XXXX XXXX Texas without a concrete explanation as to continued charges for interest and late payments if account has been placed on collections. Manager was non English speaking and was very rude about dispute. I am being charged fraudulent fees and account has been closed.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid off balance on Capital One credit card and afterwards was charged additional interest charge. I called to verify payoff amount thru automated phone service but Unbeknown to me I needed to call and SPEAK to a live Person to get my payoff. If this was disclosed, I would have done that. 
This is not disclosed on my monthly statement and I feel this is very shady behavior.
Consumer complaint received 2020-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 I sent off three letters to the credit bureaus, one to transunion, one to XXXX, and one to XXXX by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and transunion, XXXX received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.
Consumer complaint received 2021-09-02
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. (CA)

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

The problem is had a car that me and ex got I got put in hospital and my ex left with someone else and took the vehicle with him and was 6 months behind so I called the bank to see if they could help get the vehicle since he was behind and they told me theres nothing they could do about it but yet they kept calling me about payments and thats cause my ex told them he had the vehicle and the was gon na make the payments on it Ive tried numerous times and the refused
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

On a continued basis, America First Credit Union seems to place roadblocks making it extremely difficult, if not impossible to make payments to them in a timely manner. One would think that a creditor would do whatever possible to make things easier for consumers to make their payments but throughout our dealings with them theyve made it more and more difficult.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have an existing loan with quicken loans .loan number XXXX. I just looked at my XX/XX/2020 statement and noticed they are charging me XXXX for a payoff request. Firstly this request was not done by me. Secondly they did not notify me of this request. I have been with the same mortgage broker for 20 years and apparently she is always looking to save me money and refinance my loan. Apparently she made the payoff request without my knowledge and has never in her 25 years of practise ever seen a customer having to pay the money as part of a loan payment usually its paid during the close of the loan or payoff. When I tried to call quicken loans I got no where and when I tried to call corporate I got put on hold for over 30 minutes. I do not believe I should have to pay the XXXX dollars and they way they are attempting to collect this debt is beyond my comprehension without my knowledge. Attached is my XXXX statement showing this money which I want removed from my debt obligations.
Consumer complaint received 2017-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Received an e-mail offering  XXXX  bonus points after spending {$500.00} wi thin three m onths.   I spent more than {$500.00} and the bank awarded my just  XXXX  points.   When I inquired, was told that offer expired the end of  XXXX ,  2017 .   Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express.

We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX  bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account onXX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles.

You still have time to meet the spend requirement. For the {$50.00} statement credit, you have untilXX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account.

Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Lease
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: WELLS FARGO & COMPANY (IL)

Complaint about Wells Fargo This complaint pertains to previous complaint # XXXX submitted on XX/XX/2022 Referenced Complaint XXXX relates to the title of my car. 
I have made numerous requests for assistance in clearing my title by contacting - XXXX XXXX, - XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX Leasing It is quite clear to me that Wells Fargo XXXX their Partners XXXX XXXX XXXX XXXX XXXX want me to get another XXXX vehicle becasue of the actions to cloud my title. Right now it would be difficult for me to sell my car on the open market or trade my car in at another dealer. 

However, I am sure I would not have any problems if I went to a XXXX dealer to trade in my car. 

See attachments which explain that Wells Fargo was " spoofing me ''. 
See attachments providing information about previous complaint.
Consumer complaint received 2020-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NV)

It started when i tried to apply for home equity line of credit. I have a FHA loan and FHA down payment loan. I use to have XXXX XXXX for the down payment loan but i have a different service now with FCI Lenders. As far as i know there was no penalty paying off the down payment loan early. So i called FCI Lender to find out what's my remaining balance to pay it off but they told me that i have to write a letter and mail it to them that i want to pay it off. I was like, i just want to know my balance to pay it off. So i said never mind and just paid a lot more than the usual payment i do every month. On XX/XX/2020 i payed off the remaining balance on my account ( show 's on my monthly statement ). A couple weeks later i got a letter saying that i still owe money and i need to pay it off to get my account release. I thought there was no penalty? so i called my old lender about the problem im having. She told me, did i receive a change of service letter?, and i replied i think i did but it was a while back and when i tried to look for the letter which i normally save that i couldn't find it. She told me to ask the new servicer the change of service letter info, they should have it. So i called FCI lender and ask for it but they told me they don't have it. I ask, will my old service should have it? FCI Lender told me no, they won't have it.??? so who have it? I thought Reconveyance Fee was charge on the beginning of the loan? or any other fees at the beginning of a loan? Shout out to my old lender for telling me to check out CFPB.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX  be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (OR)

This is a follow up on complaint # XXXX Ally Bank has returned my funds in the amount of XXXX However they held my money denied having it sending my back and forth to XXXX until my Personal Banker finally was able to gain a tracker number. After a very lengthy phone call and my receipt on my complaint from your office Ally Swiftly returned my Monies. 

Now they Held my Money from XX/XX/XXXX to XX/XX/XXXX. I opened this account specifically to collect interest. Now they returned my money but I am owed interest from the day I made the deposit until the day my money was returned.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC. (PA)

XXXX where I was receiving therapy. I had only 2 or 3 sessions. All services provided at start of treatment was {$10.00} copay which was paid before services were rendered at each session. Paid using XXXX XXXX  XXXX. I have no clue what these charges are and they are unauthorized.
Consumer complaint received 2018-07-02
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. (NY)

Hello I am contact you due to a recent increase in fraudulent information on my credit report and I would like this information removed because it is fraudulent and doesn't belong to me. I will first start with the fraudulently credit inquiries that are not mine and do not belong on my credit report and I would like these inquiries removed at once XXXX XXXX XX/XX/2018 XXXX credit card Also these accounts I'm going to list are fraud and I want them completely removed of my credit report at once because they do not belong to me and are fraud XXXX XXXX Reported : XX/XX/2018 + {$0.00} XXXX XXXX XXXX Reported :XX/XX/2018 + {$420.00} Closed XXXX XXXX : XX/XX/2018 + {$420.00} Closed Remove these accounts at once they are fraud and do not belong to me and I want them removed at once. 

Also my credit card balances are incorrect and I want these cards listed to be updated at once because your company is reporting false balances which is causing harm to my XXXX XXXX. Please update balances for XXXX XXXX, XXXXXXXX XXXX XXXX XXXXk, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please update balances
Consumer complaint received 2020-11-14
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: Experian Information Solutions Inc. (NC)

I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/XXXX an unauthorized person went online at Chase and transferred money from my savings account and the made XXXX ATM withdrawals in XXXX. {$400.00}, {$800.00} and {$800.00} to total {$2000.00}. My Debit Card never left my wallet and I live in XXXX. When I noticed the transactions, ( XXXX XX/XX/XXXX ) I went to Chase and restricted the account and requested a new account. Chase gave me a temporary credit of {$2000.00} XX/XX/XXXX but then reversed it XX/XX/XXXX and stated that I called XX/XX/XXXX and said I made the transactions. I went to the branch XX/XX/XXXX at had Chase fax a claimed their Fraud Dept stating that I did not authorize the transactions but they refused my claim. 
After several calls to Chase Fraud Dept they have not returned my funds and continues to ignore my faxed claim or my statement that I did not call and say the withdrawals were valid.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Wanted to start joint checking account with significant other, he has an checking account already with fifth third and wanted to make it joint. I was denied for the checking account! This is not a credit account this is a checking account!!! With our money in it that we want to both have access to and cant do that. He came to fifth and third bank and open the bank account for this reason and I cant be approved.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Midland Funding LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. Rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$100.00} being that they paid XXXX  on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXXXXXX XXXX they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.