davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (FL)

I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HUNTINGTON NATIONAL BANK, THE (RI)

My car was totaled XX/XX/XXXX. The insurance completed the payoff of their part of the loan the end of XX/XX/XXXX and there is a small amount of the loan left over. We have GAP insurance and I gathered the information that I had. I was missing the Statement of Payments and the original loan documents from Huntington Bank. I contacted the bank and the agreed to fax the documents to the GAP insurance company and send me a copy in the mail. This was around XX/XX/XXXX. I waited two weeks and contacted the GAP insurance and they had received the Statement of Payments, but not the original loan agreement. I then called the bank again and requested the original loan agreement be faxed to the GAP insurance and the 2 documents sent in the mail to me. 
The interest rate on the original document was different than the rest of the documents, so the GAP insurance requested a APR Rate Difference letter from Huntington Bank. I called Huntington Bank on XX/XX/XXXX and was told that the document would be processed that day. I talked to the GAP insurance on XX/XX/XXXX and was told that they had not received the APR Difference Letter yet. I called Huntington Bank again and was told that this letter takes 4 days to process! I then called Huntington Bank again on XX/XX/XXXX and was told that it would take 5 days! In this process, my account has been reported to the Credit Bureaus as delinquent.

Unfair and Abusive!!!
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (VA)

Over the past 3 months, XX/XX/2021 through XX/XX/2021, Ive been trying to withdraw my money from the Robinhood Investment App. Currently the value is {$13000.00}. I also tried to transfer the amount to another investment company. I tried calling Robinhood, but you get a pre-recorded message and a hang up. I have money sitting with Robinhood that I can not access. Robinhood will allow me to transfer funds into my account for investment, but they are not allowing transfers out of the account. Seems transfers out have been unjustly disabled.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Consumer complaint received 2021-05-04
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. (CA)

It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP (NJ)

I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!
Consumer complaint received 2018-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Choice Recovery, Inc. (FL)

I lost 32 points on my XXXX it and XXXX  and this debt has already been discharged in my chapter XXXX bankruptcy. This company operates fraudulently. I never received anything in the mail to alert me of them adding an old debt to my credit file. I seriously believe they did not contact me on purpose so that I wouldn't know. This company banks on people not paying attention to their credit files so they can collect on old closed debts.
Consumer complaint received 2023-01-18
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. (PA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TN)

Mortgage loan was transferred to Selene Finance ( http : //www.selenefinance.com/ ) on XX/XX/XXXX according to XXXX phone representative. My mortgage is escrowed for Taxes and Insurance. My Insurance was due on XX/XX/XXXX. They never paid my insurance. They then began to charge me for lender placed insurance and pay for this through my escrow account, even though I had a policy that was due to be paid by them. 

Since being transferred to them, they claim they have mailed me multiple items, I have never received a single piece of mail from them but I have confirmed my mailing address multiple times. The only reason I knew it was transferred is because I work in the XXXX and noticed my payment didn't come out. I was able to use my industry knowledge to figure this out on XX/XX/XXXX. Others might not be so lucky and understand mortgages the way I do. I have never received any mail, phone or email confirmation that my mortgage was transferred or that my insurance was lapsed. 

I have reached out to them and requested a manager call me back 3 times, I have had no luck. I have been living in a Condo with Hundreds of other units, completely unprotected, for 2 months without insurance without knowing about it. I only discovered the problem when my insurance company mailed me a letter that I received on XX/XX/XXXX. 

Additionally, I have tried to set up auto pay twice and have had no luck. They say they will mail me a form, but I coincidentally am only not getting their mail SEVEN TIMES. So I don't think I will get this form either. Other lenders have had no issue getting mail to me. 

Since typing this complaint, I have been on hold for over 30 minutes waiting for a " Manager to respond ''. This was after I was told they were at lunch and would call me back after they return. It is now XXXX, with no call returned.
Consumer complaint received 2022-04-29
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. (MD)

XXXX XXXX XXXXXXXX  is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXIf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has reported me late to the credit bureaus on a Home Equity Line of Credit. I contacted BofA and asked for the reporting be corrected. I work in a XXXX XXXX. For some reason BofA was not including the XXXX  number on the monthly statement. I have other account with BofA, business & personal checking, these statement does include my XXXX number in the address. 
I contacted BofA and requested a correction to my credit report. BofA told me I needed to file a dispute with the 3 credit bureaus. I filed a dispute and included copies of the monthly statement with the insufficient address. I later received a letter stating, information reported is accurate from the bureaus. 
According to the Fair Credit Reporting Act, It is the creditor responsibility to make sure they have the correct address for the consumer. This reporting should be corrected.
Consumer complaint received 2018-07-02
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: Reliable Credit Association, Inc. (GA)

I filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX.  They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I have tried to dispute the account multiple times with the credit bureaus and collection agency that it was not my account and it belonged to my ex-husband and I have not been sent any proof to validate that it was my account and I have also reached out to the original creditor and was advised they could not locate me in their system in order for them to delete it.
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

On XX/XX/XXXX I went to Bigpictureloans.com after weeks of getting harassing phone calls because my loan payment dates was changed after I signed the contract and agreed to a Settlement of the amount I borrowed ( {$800.00} ), they also agreed. 
I agreed to pay {$400.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX in which I did and did not miss a single payment. After that I get a letter saying that I still owe {$310.00}. I called and talked with a representative that was unfriendly and didn't want to hear anything I had to say and kept saying that it was not a settlement but just an agreement that I went online and set up myself and it was just a payment plan. I asked to speak to a supervisor but the same lady I was talking to put me on hold then pretended like she was the supervisor so I knew something was wrong so I ended the call. I sent an e-mail to XXXX on XX/XX/XXXX and told them what happened and provided a copy of the paperwork that says Payment Settlement Plan and the support team said the same thing.I did some research and found out they are not licensed to buisness in the State of Washington in which I reside.In the e-mail they want me to agree to a Settlement Plan to pay the interest " We have processed those payments, but the remaining {$310.00} is still outstanding. In an effort to help you in this time of need, we will agree to settle your account for the amount and payment schedule below. 
This will prevent your loan from accruing additional interest..Settlement Offer-Number of settlement payments : 2-Settlement Payment Schedule : Date Payment Amt XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Payment Type : ACH Isn't that ironic, they didn't honor the 1st Settlement now they are trying to offer me another one for the Interest that I supposedly owe.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CO)

The Apple Card and Goldman Sachs provide statements that are confusing and make no sense. A charge appeared on my XXXX, XXXX statement for {$430.00}. I contacted the Apple Card support on XX/XX/XXXX to dispute the transaction. I received a response on XX/XX/XXXX which did not address the substance of my dispute. 
The Apple Card and Goldman Sachs seem to be engaging in deliberate obfuscation to confuse, mislead, and scam card users. There is no way to view a register with a complete detail of past purchases and payments. 
The explanation I received for my disputed transaction addressed my card balance from a few months later and was worded as follows : " Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your total balance was {$180.00} plus purchase activity of {$0.00}, and payment activity of - {$72.00} plus installment due of {$37.00} plus interest of {$0.00} plus installment purchase of the current month {$0.00}, plus total remaining installment balance $ XXXX, which matches your total balance of {$37.00}. '' What does that even mean?
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A. (WA)

I had an account with Macys back in 1991 individual credit card that my wy somehow was able to put a name joint with with mine account that I dont know about or without my authorization and she closed it. 
It was my most valuable member card too. 
After that she divorced me left me with nothing to go about my daily life. 

Thanks XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 : USC:1681 section 602, states I have the right to privacy 15 : USC:1681 section 604 A section 2.it also states a consumer reporting agency can not furnish a account without written instruction. 
15 : USC:1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a savings account with PenFed Credit Union and I was denied access to opening my account due to my credit score that they apparently received from a consumer reporting agency. I received a letter dated XX/XX/2022, from PenFed Credit Union which is included in the attachment stating that my credit score at XXXX is XXXX. I do so believe that a consumer like myself can't have a credit score below XXXX which is included on their document. Consumer reporting agencies have a grave responsibility to report impartial, fair, and accurate information about a consumer to ensure the banking system continues to function properly. I understand that without me the Consumer, there is no credit or banking system. I demand that my account be opened.

Points of Authority 15 U.S. Code 1681 - Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

spoke with XXXX  on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX and Transunion | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX