davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX forever court XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Consumer complaint received 2022-04-26
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. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX & Inquiry from XXXX on XX/XX/2022 has XXXX my rights. 

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

15 U.S.C 1681 section 604 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 con

sumer 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 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA (FL)

In reviewing my credit report, I noticed a 30 day late payment reported for XX/XX/2020 which is incorrect. I had contacted XX/XX/XXXX for a forbearance and was granted it and was to receive a document to sign and return. Due to technical issues, I received the letter late but ultimately signed it and returned it. After calling, I was told that there is no payment history on their end being reported for XXXX & XXXX off XX/XX/2020 however I am showing a 30 day late payment after being granted a forbearance for XXXX and XX/XX/2020.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (IL)

My accounts are held at Charles Schwab. My wifes accounts are also held at Charles Schwab in the name of her Trust. My wife was the trustee of her Trust. She died XX/XX/XXXX. I am listed as the successor Trustee of her Trust. I have been trying to gain access to my deceased wifes trust accounts for 3 weeks. I provided them the original death certificate three weeks ago. Please help me gain access to the accounts Schwab has a copy of her Trust and the death certificate.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

The lease was turned in on XX/XX/2020 to XXXX XXXX XXXX, and the dealership provided me with a dated document stating that there were 2 keys turned in with the vehicle. 

I called in on XX/XX/XXXX and was told where to send the documentation showing that there were both keys with the vehicle and that they would provide a response within 24-48 hours. I have yet to receive a response and they did confirm that the documentation was received for both keys. 

Now, I have a balance due for something that is not a valid charge.
Consumer complaint received 2021-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NY)

I asked XXXX Mohela to defer my student loan payments for three months as a hardship in repaying my loans. Note my monthly payments are {$1300.00} per month. My husband is not working and has XXXX and we are now in the mist of mounting medical debt. I asked XXXX to defer just so that I can his doctors the {$6000.00} owed. Instead XXXX said no and raised my fix rate from 5.99 % to 6.79 %. I think this is unethical and outrageous. The FED gov is forgiving tens of thousand in student loan debt, you would like these private companies would do something similar or work with the consumer. Please investigate and I am hoping there is something that can be done. 

Thank you.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

A credit line to purchase XXXX equipment from XXXX was opened fraudulently in my name with Citizens One Bank. I first noticed this fraud when I received an order confirmation ( XXXX XXXX Confirmation # XXXX ) from XXXX on XX/XX/2021 for two XXXX in the amount of {$880.00}. I immediately contacted Citizens One to report the fraud. I repeatedly followed their instructions to receive a " Fraud Investigation Kit '' but they continually failed to actually deliver the materials. 
On XX/XX/2021 I sent Citizens One a letter following the instructions of the FTC Identity Theft website. 
After multiple calls and other correspondence, I received the fraud reporting kit from Citizens One on XX/XX/2021. I returned it via US MAIL that same date. 
I have received no response to the fraud report submitted on XX/XX/XXXX. Citizens One has reported a delinquency to credit bureaus under my name. 
At no time did I EVER order anything from XXXX, EVER apply for credit from Citizens One or EVER receive any merchandise.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I received an email from Barclay stating " when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' During the month of XXXX I placed 3 orders on XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called about one month later and the customer representative told me statement credit will be applied when my next statement is posted. Now it has been more than 4 months and I still haven't received the {$20.00} statement credit.
Consumer complaint received 2020-11-17
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. (SC)

I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. Equifax and XXXX have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (GA)

I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. After contacting each bureau I was instructed to contact CFPB and file my complaint. HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2021-08-21
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: HYUNDAI CAPITAL AMERICA (NJ)

I have a new XXXX XXXX XXXX leased vehicle purchased in NY. I moved to NJ and have to register my vehicle in NJ. I have requested and sent 6 email to Hyundai Motor Finance to transfer the lease from NY to NJ dmv. The first email request was sent on XX/XX/2021 but they havent transferred the title yet. 

I have been calling them every day but the call center have no clue about the status. Each time I call them they ask me to resend the email again. The call center does not have access to Title department and cant even say what is wrong with this transfer request.

My current registration has expired and Im unable to drive the vehicle.
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, for the 4th time over the past YEAR, I went onto TransUnion to ask them to add information that is missing, specifically, they are missing a current credit card I have with XXXX. Each and every time I go to the " dispute '' section, I get an error message that " sorry, our system is experiencing technical difficulties. '' In other words, I can NEVER get into the dispute section. 

Additionally, they have blocked out the last four digits of all my account numbers on my credit reports. These are my accounts. Why are they blocking information to confirm my own records? I suppose that's a rhetorical question as I SHOULD know what all my old credit card numbers are, but I don't and I want to see them to verify that email I receive is spam, scam or if I need to take security precautions because some scammer got hold of a real credit card number I used to use. 

So I have two disputes.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

On XX/XX/2020 Citi failed to withdraw money from my bank account for a credit card payment, and charged me a {$29.00} fee for returned check, as well as a {$0.00} minimum interest charge. I made the payment over the phone, providing Citi with my banking information that they already had on file. There was a mistake made by the agent in recording my bank account, thus payment failed. I quickly called them, and they agreed that a mistake had been made. I gave them the same bank account again ( the one they had on file for years ) - and they withdrew the payment. I asked to get the fee refunded and Citi agreed. 

Fast forward to 5 months later, the fee has not been returned, and I continued to get charged interest on the fee. I've made multiple calls, monthly, and each time an incompetent representative states that the fee will be refunded, but no money is returned. Rather a new interest charged gets tacked on. I have now paid off the full balance to prevent additional fraudulent interest being charged. 

I'm asking for a simple resolution, return my money to me including fraudulently charged interest.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (LA)

I use the Amex bluebird card for my direct deposit. It was not there this morning as usual. I confirmed with my payroll company that the email from them showing it was sent was correct. They had sent my check. I tried numerous times to call bluebird. Chose option for representative but once transferred it would give a busy signal and hang up. Finally got through this afternoon. This is what was said.

I just called for the 10th time today. First time to get through Held for 20 minutes. First was told they had not received my deposit. When I called him out on that I had confirmation that they did he put me on hold for less than a minute to say they had an issue and it was of the highest priority. When I told him it couldnt be cause people had been waiting for days on theirs, he said I should have it in the next 4-5 hours. I said I know this is not your fault but I need a real time estimate. Are u just saying 4-5 hours to get me off the line? Do you have a real ETA? He again said 4-5 hours. I asked him was he planning to pay my bills tonight and feed me and my kids if it wasnt there then. No answer to that
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (GA)

I wrote Lockhart, Morris & Montgomery on XX/XX/2020 in which I posed a series of questions in which they did not fully answer. They simply sent me a copy of the contract from the original creditor without answering the questions in my attachments. I then proceeded to write them a second letter in reply to their first response letting them know that they were not in compliance with my request and attached evidence with my letter in which I have attached here as well. 
They had 30 days to legally reply in a timely manner to my request, and I gave them 45 days which was more than sufficient time for them to get back to me with the answers to my questions I posed again on my letter dated XX/XX/XXXX. I have also attached proof of the receipts that were both signed stating my letters were received and ample time was given to investigate. 
They neither replied to my letter this time, nor deleted the account from my credit. According to the FDCPA and FCRA, they are in clear violation at this point and I have given them more than one opportunity to correct this matter. I mailed them a third letter dated XX/XX/XXXX advising them of their violation and advised them to provide the evidence I requested in my previous two letters, or to DELETE this account from my credit reports. 
Since they have not complied according to my legal rights with the FDCPA and FCRA, then I thought this time to file a complaint with you along with the mailing of my final letter before I move forward with legal proceedings with this company. 
I am hoping that they will rectify this situation immediately or we will be seeing each other in court in my state according to my last letter mailed out. This is my FINAL attempt to settle this matter amicably.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

I was recently denied credit because of the frivolous information thats reporting on my file. I really dont understand why these items are reporting on my file and would like for them to be investigated and removed. They are as follow : 1. ) XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX. ) SANTANDER - ACCT # XXXX D.O.B. XXXX  XXXX # XXXX
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I sent Synchrony Bank / Care Credit a settlement letter and check in the amount of {$910.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 Synchrony Bank cashed the check and the check cleared my bank. As of XX/XX/2020 my credit reports are still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. Sync Bank has not honored the terms of the agreement.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc (AZ)

I canceled a gym membership with XXXX XXXX in XX/XX/2020. 

I in writing in an email told them in that I wished to cancel my membership, and received confirmation on XX/XX/XXXX and they continue to harass me and bill me monthly and send me threatening texts and emails. 
I had been overcharged in XXXX, and they continued to collect gym membership fees even during months when due to covid they were closed entirely. They continue to try to do so to this day, now stating that I am {$60.00} past due for membership fees owed for the last three months. I even told them to stop contacting me and again they keep texting and emailing me. I told them both in texts and email to stop contacting and harassing me.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

Contract # XXXX was entered into between us ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for a XXXX copy machine in XXXX of XXXX. The lease financing was done through US Bank XXXX XXXX in XXXX, MN. 

The lease expired in XXXX of XXXX. US Bank continued to send us monthly bills which our district manager approved and paid because he thought that it was a maintenance contract. 

We reached out to US Bank about cancelling this lease as it had expired. They said that the lease originator, XXXX, has to cancel the lease with them. We explained that XXXX was purchased by another company, XXXX, and XXXX told us that they have no desire to repossess or release the machine. XXXX also said that they have no active business relationship with US Bank and advised us to not remit payment to US Bank. 

US Bank 's customer service has put up a brickwall and does not engage us substantively in our efforts to resolve this. They seem confused as to who the lease originator actually is due to the merger of XXXX and XXXX. So they claim that they have no capability of contacting the lease originator or anyway to tell us who they believe has the authority to release us from the lease. We are absolutely certain that the legal entity that originated the lease has released us from it.
Consumer complaint received 2024-02-14
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX