davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (AR)

I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Basically, I finance a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me.
Consumer complaint received 2020-11-02
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: Santander Consumer USA Holdings Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Code $ 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Theses accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agencies may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT report anything on my consumer report witch violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the account listed IMMEDIATELY.
Consumer complaint received 2022-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I was enrolled in the COVID Forbearance Program and was told by a Citizen 's employee that it could be extended to 15 months. When I called to resume payments I was told I had to apply for a modification because I was actually only eligible for 12 months and that their employee had made a mistake. During the Forbearance process I was repeatedly given the runaround, I was told to supply the same documents that had already been sent, over and over again. Although I was given a " Relationship XXXX '' named XXXX XXXX, no email or direct line was ever provided. Every call went through the same laborious process. 
Finally a Modification Agreement was created. 
A Notary provided by Citizens came to my home on XXXX, and my wife and I signed the Modification agreement. Since that time Citizens have sent me monthly statements that do not reflect the agreement. Every month I have had to call in and make the agreed payment over the telephone. Sometimes I am told that the paperwork takes time. The papers were signed and notarized XXXX months ago which is way more than enough time. Sometimes I am told that the Notary should have had my wife and I sign two copies and that I will be contacted by another Notary. However no one has contacted me. 
Attachments contain documentation.
Consumer complaint received 2024-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a notification from XXXX XXXX and XXXX that a new hard inquiry was listed on my credit report. Upon further investigation, we found that a Capital One NA account had opened an inquiry against my credit. The same was applied to my husband, XXXX XXXX, but his was blocked by XXXX XXXX before it could be processed. XXXX placed a fraud alert on my account that spanned all three bureaus. I also contacted Capital One to notify them of the fraudulent inquiry. No accounts have been opened and no funds have been spent at this time, it was a hard inquiry today XX/XX/2024. All of the conversations, XXXX and Capital One, happened today as well.
Consumer complaint received 2020-12-02
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. (FL)

On XXXX/XXXX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 for the following accounts showing that I owe the following amounts {$2000.00} {$5400.00} {$4600.00} {$1800.00} {$2500.00} They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Payment due on XX/XX/XXXX for {$29.00} that was paid on XX/XX/XXXX. There were no notifications of a late payment for the XXXX payment, no phone call or email although I received over XXXX emails during that same timeframe for marketing and solicitations to shop at the store and an additional XXXX notifications via mail. Upon calling the company to discuss the matter, the supervisor told me that they only report delinquency to the credit bureau after a payment is 60 days late then refused to make the update to the payment history since it was not 60 days late and only 35 days late. Per their own stated policy of 60 days, there should not have been a delinquency reported to the credit bureau. I would like an investigation unto this matter and the credit bureau updated.
Consumer complaint received 2021-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Due to covid-19 lost my job I was unable to work to pay my car note with Capital One I explained my situation and as soon as I got the money I caught up on all the car notes they assured me that they would remove all late payments now they saying they can't find any of the information they said they will reach back out to me and they haven't done that but I've been calling them once or twice a month
Consumer complaint received 2023-10-26
Product: Credit 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: WELLS FARGO & COMPANY (FL)

I filed two disputes with Wells Fargo. They waited three weeks to reach out to ask any questions. When they finally called they tried violating the HIPPA rights of a patient. The agent was combative after being told she could not violate HIPPA rights. The Wells Fargo employee closed out the disputes and stated it was at my request when I stated I would contact CFPB regarding the dispute.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I wrote a letter disputing a PUBLIC RECORD : Bankruptcy that is reporting on my consumer report in error. I want this account verified in my requested, I did not get a response. I wrote a follow up letter XXXX XXXX. I still have not recieved a response or any updates via mail, email or on my credit report. So I am excersing my rights : according 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2019-03-09
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: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with XXXX and NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and NAVY FCU with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX
Consumer complaint received 2021-04-11
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: CITIBANK, N.A. (CA)

I have been trying to get my Citi bank Credit Card rewards since XXXX of XXXX. I have multiple credit cards with Citibank, and one of them offers cash back. 

I redeemed my rewards in XXXX  ( and have since seen the rewards deducted from my account ) and I have chosen to have the rewards in the form of a check delivered to my house. 

I never received the check. After waiting the advised time ( 3-4 weeks ), I called and confirmed the check was never cashed and informed them I never received the check. This was late XXXX. I was told they would resend the check and to wait 3-4 weeks.

I again did not receive the check. I called citibank ( in early XXXX  ) back and asked about it, and they said they would AGAIN send the check. It is now XX/XX/XXXX and I have not received my check. 

I have no confidence citibank is even sending me the check. When I last spoke to a person at citibank, they had no record of my conversation in XXXX  and no recollection of resending me the check. 

The rewards check is in the amount of {$370.00} and was originally redeemed on XX/XX/2020.
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: Experian Information Solutions Inc. (NY)

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXXWAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I tried to contact Citibank using their online email in my account, but I can not send a new message TO Citibank from my account. I do NOT want to use Citibank chat. Why was my online email disabled AND why was I NOT notified in advance???
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

Comenity- New York & Co are reporting the incorrect information with all credit reporting agencies ( XXXX  , XXXX  , and XXXX  ). The creditor ( Comenity Bank/New York & Co ) is stating this account was recently 30 days late for different months per each credit reporting agency ; however, this account was paid in full on XX/XX/XXXX, and later closed by the above mention creditor in XX/XX/XXXX. 

I have reached to Comenity/New York & Co both verbally and in writing, addressing my concerns on the following dates : XX/XX/XXXX and XX/XX/XXXX, and to be informed that their records do not match what the credit reporting agencies are showing, and I will need to dispute this issue, and there is nothing further that can be done on their end. I was told on XX/XX/XXXX that I would receive an email/letter stating that the account has been paid in full, close, and never late. As of today, I have not received anything from Comenity Bank/New York & Co. 

Attached you will find a copy of my last account statement showing the account status, along with the payment history that was obtained from my account summary on the company weboste.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Well the bank always make escuse last time they denied my claim Took them long time To give me answer then they ask to file Police report they denied because they add a transaction that I not mention to them I did the second one it took them almost 20 days to give me result on dispute they only fix 10 they did same thing add something else they told me that they gon na do second review same thing they add atm they told me call them in 2 days and I did that they could find the transaction now they ask me to submit again Im just tired deal with them banker they act mean the one in XXXX Im just asking my money who know what they did with it was large amount money they always take their sweet time Im in real deep deap I own lot money
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I have an account with Lowes, I closed it monthly ago due to the high interest rate. I'm still making payments. My interest rate has {$10.00} and change, it has went from {$10.00} and change to {$210.00} plus. This is outragous. Copy of my statement since XXXX is attached. 

Thank you,
Consumer complaint received 2022-11-17
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX reporting incorrect birthdate, phone numbers, addresses, and employment to Transunion and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and Transunion refuse to correct incorrect information on my credit report.
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}
Consumer complaint received 2020-10-15
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. (OH)

I was effected b the XX/XX/XXXXEquifax data breech, and Im still suffering because of Equifax! I have written, called, emailed and filed countless disputes, yet a lot of their information on my report is incorrect. They also allow medical bills and I believe that they are not supposed to do that especially when the account is not mine.