davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (GA)

I NOTICE A NEGATIVE ITEM FROM ONLINE INFORMATION SERVICE ON XXXX XXXX, SO I SENT THEM A DISPUTE LETTER CONCERNING THE ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE.I HAVE ATTACHED A COPY OF THE LETTER TO THIS COMPLAINT BELOW WITH ALL OF THE INFORMATION THAT I HAS REQUESTED.
Consumer complaint received 2020-03-23
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. (FL)

I did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

We have requested a pay-off for the loan over 2 weeks ago. This company will not tell us what it is and keeps stringing us along. We also faxed in the buyers order for the sale of the property 3 times. They just wont tell us the payoff! As of today our close date is 10 days away XX/XX/20. We need help from you!
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

So I opened an account on Citibank a few months ago and I noticed that almost every time I would use my debit card anywhere would lock my card and cite it for fraud and on XX/XX/XXXX I had used my card at a XXXX then at a local restaurant then I had tried to use it at a XXXX  and it wouldnt work so I figured no big deal. Ill just call the fraud department once again well I tried to get into my Citibank app and I was locked out, so I called the fraud department of Citibank and they informed me that Citibank had closed me down along with ALL MY MONEY. When I asked for answers as to why they closed me down, they told me they could not help me have a nice day and hung up on me. I ended up calling almost 10 times that day to find out how I could get my money and each and every time while I was talking Mind you I was being respectful they hung up on me each and every time I finally called back and asked to speak to a supervisor and I was simply asking her if I drove the hour and a half to my local Citibank would they be able to give me the money out of the account well, I didnt even get to ask the entire question she told me she could not help me have a nice day and hung up on me. This is totally illegal and unacceptable. I asked the supervisor how am I going to feed my child? You have all of my money I called back and was hung up on again, I dont even know exactly how much is in the account because I can not get into the app this has caused me major duress
Consumer complaint received 2020-07-14
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. (CA)

I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

My coinbase account has been locked for over eight months! I am unable to buy or sell my coins, and my account was locked for no apparent reason. I called customer service, emailed them, and they gave me a ticket number to which was pointless because they did not resolve anything. I even submitted a complaint to which they said my account would be enabled in 14 business days. It has been 30 days, and the buying and selling option is still disabled! It is outrageous. How can they be so irresponsible? My only explanation is that coinbase is a fraud, and I am alerting all of those around me to stay away from them and use other platforms.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

I took out an loan with Bay Country Finance and I don't think that I should be given the loan because I am still making car payments with my car company. I have fell back on my car payments because I am trying to pay off this title which they keep applying interest to and they are not very understanding. They are ripping people off.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, WELLS FARGO XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (NE)

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX and Experian as the amount they are requesting is not valid.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINAN # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2018-06-22
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. (IL)

I have requested on several different occasion since XX/XX/XXXX to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/XXXX and XX/XX/XXXX. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. XXXX  is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. XXXX   keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/XXXX. I have tried to have a resolution to these things reporting negatively on my credit report but XXXX  refuses to supply with the name of the 3rd party they are getting information from.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I filed for unemployment and got approved on XX/XX/2020. The payments are processing weekly through the unemployment however I was never mailed the card so I am unable to access these funds. I have tried calling the XXXX and I either get hung up on or get put on hold for over two hours. It has been an entire month of me not being able to access funds due to the card never being mailed to me. Unemployment said to keep trying to call that XXXX since the issue is me not getting the card and I am having zero luck.
Consumer complaint received 2021-03-01
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. (MN)

Had a issue with XXXX got the ag involved XXXX fixed transunion refuses to accept accept the mistake and fix it
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I deposited a {$2000.00} cashiers check and was told it would be available on Mon. or Tues. Since it was an unexpected Blessing I agreed. This morning I look to see it is being hijacked until the XXXX? SHE LIED JP Morgan has a habit of hiring XXXX  that display XXXX XXXX  toward their XXXX consumers. The wording used is also demeaning and XXXX. WHO I AM IS A CONSUMER WHO HAS BEEN THERE SINCE XXXX, WHO I AM IS A CONSUMER WHO HAS DIRECT DEPOSITS MONTHLY, WHO I AM IS A BUSINESS PARTNER WHO ENCOURAGES HER COLLEAGUES TO OPEN ACCOUNTS THERE. A gift from my deceased fathers bank has turned into a nightmare
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

My wife went to the airport today to use the XXXX XXXX citi card to check her bags in and the card declined. We logged in and it says our account is closed. No warning no explanation no letters generated. What is going on? This seems to be a form of discrimination and I do not like this treatment
Consumer complaint received 2022-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

My complaint is with Chase Bank. My accounts were hacked and after my online accounts were frozen, someone continued to access and use my accounts. My savings account had monies in it and then someone accussed it, took money out without my authorization and deposited money into the account and then took money from the account that was not there. That caused a large overdraft of monies that I didn't and don't have. Now the bank has seize my Social Security and XXXX monies telling me that I owe and will seize those funds to pay off an account that was used without my authorization. I have appealed to Chase, but they tell me I owe that money and has affect my new account with XXXX XXXX. I am due to recieve a large amount of money and because of what Chase has done the money is on hold. Being on Social Security and XXXX XXXX, I don't have the funds to at least clear this up. I feel like that Chase Bank is extorting me.
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

To whom it may concern, I am writing to you as my last resort. I have called Hyundai Motor Finance on six occasions in regards to correspondence I have received from said organization about the status of my account. On XX/XX/XXXX I received a text from www.hfmusa.com. It  stated I have a payment past due. Upon seeing that I was concerned since I paid the full balance of the lease on XX/XX/XXXX. Here is a clip from the email sent from Hyundai Motor Finance : I have this complete email if needed. I have documentation of the withdrawal as well from my bank statement. This amount was quoted to me from HMF customer service. I sent this amount because it was required for me to pay the full balance of the lease in order to qualify for my mortgage. I can document this as well. 
All of XXXX all was well with the monthly payments. Each month the monthly payment of approximately {$230.00} was deducted from my account. My lease is due to terminate in XX/XX/XXXX. So when I got the text I checked into the other documentation I had. On XX/XX/XXXX I got this email from HMFUSA on my account balance. You can see that it indicates that I still have a credit balance of {$2700.00}. 



I have called HMF concerning this six time. The first time I was accused of being a liar because the inserted documentations did not have a confirmation number. The CSR eventually hung up on me. I have worked closely with call centers and know how they work so I escalated my calls to a supervisor, account specialist, and call center manager. I then called to speak with the call centers manager. I was given to one of her peers as she did not resolve this issue. I requested to speak with her manager. I was told that they were not available. I was told I could not have a name or contact information to that person. 

I then called corporate offices and tried to go through their switchboard. I was transferred to a number with a recorded message that said their office was closed. I called back and got no answer 4 more times. I called once more and got the same switchboard operator who told me that there was nobody in their corporate office available due to the virus. I begged her to give me anybody who can contact somebody in their office who could help me. She passed me through to an Executive Assistant in Finance who in her message said she had nothing to do with leases. I left a message and have not heard back. I am concerned because I was told in one of my last calls that this issue has NOT been resolved. I do not want to walk out my door one day and the car is repossessed and I have negative credit reports placed on file. 

Please respond to me by either email or US Mail. I wish to maintain a paper trail if I need to settle this issue in the court system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Cc : Hyundai Motor Finance XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my EXPERIAN AND XXXX  reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.