davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit, Inc (CA)

I've extended my lease during COVID as I am on unemployment ( business has been closed since XXXX XXXX and it's coming due XX/XX/. I'd like to purchase the car but my bank doesn't do lease buy backs. I bank with XXXX XXXX. I asked VW Credit for another extension so I can buy time until my business can reopen and I can actually qualify for a loan as I will have income. VW Credit refused to give me an extension. So now I am forced to turn in my car I want to buy. I have paid on time with no issues. I need my car for when we reopen so I can work. Without my car I will not be able to work and reopen my business.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This has happened twice : Citizens Bank has attempted to withdraw funds from our Citizens Bank Account to pay our mortgage, as part of an automated payment plan. We have asked this payment to be delayed for one to two days, but the withdrawal is attempted by Citizens, resulting in an overdraft and missed mortgage payments. Citizens has, on both occasions, emailed us saying, " Confirmation : We received your home loan payment ... THANK YOU FOR YOUR PAYMENT Hi XXXX, Thanks for your recent home loan payment. 

HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$4800.00} Your next payment is due on XX/XX/2021. '' In actuality, even though they confirmed the payment via email, they never withdrew the funds. This has led to one late payment and one nearly late payment. Why is a bank allowed to confirm a payment in writing, but not actually have the payment processed? This leads the consumer to have false assurance that their mortgage has been paid, allows the bank to charge overdraft and late fees as a result, and leads to impacts on credit ratings.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I paid off XXXX XXXX i summited my letter from the creditor saying the loan has been paid off but yet every time I dispute it while providing the letter from the creditor, Experian keeps saying that I still owe and the account is verified even though I sent a letter Proving different
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (OH)

I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; Equifax reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (OH)

I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On Experian report " Legally Paid '' with inaccurate history ;XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (NE)

Upon receipt of a recent credit report it showed an address of XXXX XXXX XXXX XXXX  XXXX, OK XXXX which is inaccurate. I have never lived at this address nor ever been to XXXX  XXXX.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NJ)

I've sent a validation letter back on XX/XX/XXXX. I've received nothing but a snap shot of an account. I asked for the following below so I'm submitting another complaint. 


I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2021-03-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute out on XX/XX/XXXX. I have yet too receive a response. I also sent another letter on XX/XX/XXXX I didn't receive a response either. This is unfair. Doesn't make any sense to me how this could be possible or fair.
Consumer complaint received 2023-04-06
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (GA)

I am sending this letter on behalf of XXXX XXXX XXXX, my mother, who has been hospitalized with a severeXX/XX/XXXXXXXX for the past 2 weeks. She was recently released and recovering from home. She has an outstanding loan with your company and requested the XXXX forms. She also requested that the branch stop auto debits. Instead of sending said forms, your local branch attempted to coerce my mother to refinance the loan. Then today, they informed her that she would need to come in to get the XXXX forms. This is unacceptable and is tantamount to an unfair and deceptive practice. I will taking power of attorney over her affairs until such time as she recovers. I am certain that the media, the State 's Attorney General and the CFPB, would be interested in knowing that your employees are engaging in the types of unfair and deceptive trade practices ; that is impededing customers with serious health conditions from filing XXXX claims on their loans.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

DEPT OF ED/NAVIENT ACCOUNT STATES THAT IT WAS CLOSED BECAUSE IT WAS TRANSFERRED TO ANOTHER OFFICE. THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT HISTORY AS A DELIQUENT ACCOUNT. I AM UNABLE TO ESTABLISH CERTAIN CRITERIA BECAUSE OF IT.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (NY)

I XXXX XXXX XXXX Social Security # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries OR ACCOUNTS. Block and remove them. I already sent in a dispute statement on XX/XX/XXXX and the credit Bureaus ignored my dispute, but there were supposed to remove all the fraudulent accounts by law. to this day XX/XX/XXXX, these accounts are still reporting to my credit. THAT IS against FCRA LAW. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I was not given validation after 5 days of sending this letter which is illegal.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, it is established that this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2020-11-17
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. (OH)

I don't recall this account and it's reportingXX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; XX/XX/XXXX XXXX Charge-off with Paid On-Time for all 2020 ; TransUnion has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (FL)

American Acceptance is noting late payments from XX/XX/XXXX to XX/XX/XXXX. My payment of XXXX plus the fee was paid every month during that time. This is causing a big impact to my credit due to 12 payments reflecting as missed.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TN)

I tell them not to contact me again and they continue to with a different phone #. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-12-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Dear CFPB- Citibank has misappropriated {$5000.00} of my social security funds in my savings account. I have no words to describe the emotional and psychological harm that this event has caused me. 

1. I have had a savings account ( XXXX ) with Citibank for a number of years. 
2. On XX/XX/2020, I opened a checking account with Citibank ( account number : XXXX ) 3. I transferred {$5000.00} from my savings account to my new checking account. These were funds that I received as part of my SSDI Spousal Benefit into my saving account. 
4. On or around early XXXX, I logged into my account and noticed that my checkings account was no longer showing up on my account dashboard. 
5. I went to Citibank at XXXX XXXX XXXX in XXXX XXXX, XX/XX/XXXX and spoke to the branch manager by the name of XXXX XXXX XXXX NMLS # : XXXX ). 
6. I asked her why my account had been closed and where my {$5000.00} in funds were. 
7. She did not have any proper information to provide me. She said that my account had been closed on XX/XX/2020. She did not know why the account had been closed. She suggested that the account my have been closed due to a Citi Sweep and that a check for {$5000.00} had been sent to my address. She made some calls and said she would open an investigation and that I should have my funds within 2 weeks. 
8. I asked her whether the {$5000.00} check sent to my address had been cashed but she had no information regarding the status of the {$5000.00}. She had no idea when the check was mailed out and whether it had been cashed. 
9. It has now been two months since I visited the branch and I have heard nothing from the bank nor have I received my funds for {$5000.00}. 
10. I can only surmise that the bank has misappropriated my social security funds for {$5000.00}. 

Given these Covid times, this is my only source of income and I am struggling to make ends meet while the bank refuses to send back money that I deposited into the checking account ( XXXX ). I still have no idea why my checking account was closed. Incidentally, my savings account continues to be operational and I have been receiving my Social Security funds into the savings account. The bank had no information why one account was kept open while the other was closed. 

I need immediate relief. I request you to assist me in recovering my {$5000.00}. This incident has caused me significant stress and health issues in addition to putting my financial situation in significant jeopardy. 

I also request that you take any and all appropriate action including any punitive action against this sheer malfeasance on the part of the officers of this bank. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-26
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. (KY)

Company is reporting inaccurate account on my XXXX credit report. Account number XXXX needs to be removed and blocked immediatly! I have made every attempt to dispute this item and the creditor has yet to remove it! This has effected my life drastically!
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

This began with Wayfair retail harassing and racially profiling me being XXXX while shopping. Citibank ongoing harassment and retaliation against me because I filed complaints about their harassment and ongoing XXXX profiling me. My account was closed due to Citibank stating my account was closed due to non payment and Bad payment history! 

I have never paid this account late nor have I missed any payments! My payment history is perfect! 

Citibank retaliated against me because I filed complaint XXXX. 

I called them requesting in writing the reason for closing my account. Citibank refused my request and hung up the telephone. 

Citibank employees ongoing harassment against me because I am XXXX XXXX and was shopping while being XXXX. Citibank refused to tell me how my payment history was bad! 

They have caused me unjustified financial injuries and I have done nothing but being an XXXX XXXX woman! I have nobody standing up for me! I stand up on my own and companies like CitiBank continues to hire XXXX  people in positions that they are allowed to harass, discriminate and do racially motivated harassment towards their XXXX Customers.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rolfe & Lobello, P.A. (FL)

Debt collection Attorney Rolfe & Lobello XXXX, FL, claimed they were hired by XXXX XXXX to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy XXXX XXXX to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an iPad was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it
Consumer complaint received 2020-11-17
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX.XX/XX/XXXX DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. DISCOVER IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT DISCOVER HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I recently opened a account with suntrust Bank on XX/XX/XXXX it was closed on XX/XX/XXXX with {$1100.00} as my balance its been over a week and the bank keeps telling me that its in the process of closing but other than adding money I did no activities on the account.i am on the verge of losing my place and employment because I can not pay my rent that was my rent money.i expressed this over and over to numerous representatives and all they can say is they don't know when it'll be done.i need a hold lifted or something because I did business with them with good faith and now im being XXXX over because I trusted this bank..please help
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

In XX/XX/XXXX my daughter XXXX XXXX and I entered into a lease with Honda Financial Services a/k/a American Honda Finance ( " Honda '' ). My daughter XXXX XXXX took responsibility to send in the payments for the lease each month. The account fell into arrears since my daughter failed to pay the lease payments for XX/XX/XXXX and XX/XX/XXXX. Honda did not call me to tell me that payment was not received, Honda did not write to me to tell me that payment was not received and Honda repossessed the car before the XX/XX/XXXX lease payment was even due. 
Prior to the repossession, I am told by my daughter XXXX XXXX that she called Honda to ask for a little more time due to the financial difficulties of the pandemic and Honda agreed to allow for a bit more time. However, no one at Honda asked me for payment or gave me the opportunity to cure the default.

Upon repossession of the vehicle, I immediately called Honda and tried to pay the 2 missing payments, repossession fees and XXXX lease payment but was told that there was no way to pay and have the vehicle returned. 
My daughter XXXX detrimentally relied on Honda 's representation to her ( that Honda would extend more time before repossessing ) and as a result, she did not come to me for financial assistance.

Now Honda is demanding the entire amount due under the lease agreement and refuse to return the car for any amount less than over {$31000.00}. I was never provided with a notice of default. The letters are addressed only to my daughter XXXX until yesterday when I finally received a copy of the same " Notice of Intent to Sell Leased Vehicle '' that was mailed to my daughter XXXX dated XX/XX/XXXX. CFPB can see my financial obligation on my XXXX XXXX report but not on the Honda letters.
Consumer complaint received 2017-11-20
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: CAVALRY INVESTMENTS, LLC (AL)

Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.