davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (IL)

I called XXXX  ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX  XXXX, representative XXXX answered the call and hung up on me. According to recent CBR, XXXX XXXX XXXX reported a visa account as ( Inactive ), all of the years, from XXXX  through XXXX  in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX  where merchant refunded the money to my Visa. 
The XXXX XXXX XXXX  either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and XXXX  balance. So allegation of charge off or loss to XXXX XXXX XXXX is false and fabricated. Or inclusion of " account under investigation '', is done by XXXX  maliciously, I was the innocent party in the transaction. 
XXXX XXXX
Consumer complaint received 2023-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

Due to my status as a XXXX XXXX XXXXXXXX veteran, the state of Maryland does not require me to pay property taxes on my home. Therefore, last fall, I requested that our mortgage company, First Home Mortgage, no longer require us to pay into an escrow fund to cover property tax payments to the county where we reside. First Home Mortgage did reduce our monthly payments accordingly in or about XX/XX/2022 and promised to refund the escrow overage within 30 days. We never recieved any refund of our overage, notwithstaning my again requesting a refund nearly a month ago. We are current on our mortgage payments and there are no other issues. However, we believe that the escrow account associated with our mortgage contains an overage to which First Home Mortgage is not entitled, under the law, to withhold from us. I'm attaching copies of my communications with First Home Mortgage.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp. (HI)

I, XXXX XXXX XXXX XXXX On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX which was financed through UNITED AUTO CREDIT. After all, contracts had been signed as well as a cash deposit of {$2800.00} USD I was given keys for the vehicle and instruction on getting the vehicle insured. I was also told that UNITED AUTO CREDIT will be giving me a welcome call which I would verify all information on file set a payment plan and that would finalize the contracts. All of these events occurred and i made an attempt to make my first scheduled payment. I was denied access to the online payments option, so I contacted UNITED AUTO CREDIT customer service. I was then told I had an account but no longer have an account and to contact to dealer. So, after having concerns about the situation, I contacted the dealer in person. I had many questions regarding why I haven't received my plates and tags as well as the situations of my account being inactive with UNITED AUTO CREDIT. I was told my tag was delayed " no specific reason '' and was asked to sign a new contract since it was problems with the old XXXX. Red flags immediately appeared as the dealer took the previous contract and copy and paste it to a new contract without UNITED AUTO CREDIT. I then left and proceeded to seek legal advice clearly being a victim of auto fraud. After waiting for some time for some form of legal action on behalf of XXXX XXXX XXXX  I never heard from them again since XX/XX/XXXX. On XX/XX/XXXX A unidentified person came to my residence and told me he was with a XXXX collection company which later other unidentified people arrived with unmarked cars and a tow truck " with no logo nor company name '' and attempted to repossess the vehicle with no prior notice nor documents showing I had a new contract " In-House '' contract with XXXX XXXX XXXX  nor provided me with documents that proves I deliberately avoided making payments. The unidentified person had a hand full of falsified documents and tried to coerce me into submitting the vehicle. I am now hiring an attorney to assist with this situation which has become very hostile and law enforcement have no grounds to intervene for concerns of a civil issue. Since this is actually " XXXX '' as well as trespassing on private property and harassment I decided to make this compliant. Thank you for your time and I'll be looking forward to hearing back from you soon sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

XX/XX/2023 I opened an account with Citi bank at XXXX XXXX XXXX NY location both saving and checking. The banker requested new debit card for me. The first one, I never received it, so she requested the other one for me. Somehow on the 26 of the same month, someone used my lost Debit Card went to XXXX XXXX  NY location withdraw {$3300.00} total from teller, which I dont know how teller gave that person my money. And they used the card at ATM machine try to withdraw {$2000.00} cash. At that point, bank send me an alert. I called the customer service frozen my account and filed a claim about the money that they took. 
On the XX/XX/2023, Citi Bank send back a letter states that because that person used the card, my request was denied. 
Here I am filling a complaint against CiTi bank, without properly verify my information gave my money to other unauthorized person.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

We responded to a XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX, regarding a NY apartment available for rent. It was for my child who was starting an internship in XXXX. The post referred us to contact XXXX XXXX ( XXXX ) XXXX, who claimed to be the Listing Property XXXX for XXXX XXXX XXXX. Correspondence regarding apt details between him and my daughter ensued. The apt was supposedly being subleased. We provided requested personal information ( I redacted my personal information like SS and bank account information ). We received and signed an agreement. We were then asked wire {$2600.00} rent deposit to XXXX XXXX, XXXX XXXX XXXX  savings acct, XXXX XXXX XXXXXXXX XXXX, XXXX, GA. The wire did not work, so we were given another account to XXXX XXXX XXXX to Wells Fargo Bank checking acct, XXXX XXXX XXXX XXXX NY XXXX, and received confirmation from XXXX. We were asked to provide a 2nd deposit supposedly requested by the owner due to past negative experience and we would be refunded our first deposit if we could not pay this. To reaffirm our good faith and to secure the apt , we decided to wire the additional {$1400.00} to XXXX XXXX XXXX again, but did not receive a " booking receipt '' as per the agreement. After numerous follow ups and about 2 weeks before the move in date, XXXX finally responded to my daughter, " We need to process your refund, because the current occupant decided to extend her stay. '' He corresponded via text with my daughter indicating he would have other options available and would get back to her with status. My daughter communicated that she preferred a refund because the other options were not suitable. After repeated requests and follow ups, he stopped responding and the refund never happened. We sent a demand letter to XXXX and XXXXXXXX XXXX  XXXX. It was addressed to the names on the letterhead of XXXX XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX. There was no reply. We reported this to our bank, Wells Fargo, and they could not contact or retrieve the money back. We concluded we were defrauded by {$4100.00}, inclusive of wire fees with added stress to me and my child while simply trying in good faith to prepare for her internship in XXXX. We hope this will help prevent this happening to others in the future.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

purchased used vehicle XX/XX/2022. The finance company repossessed vehicle on XX/XX/2022 and cancelled contract. They told me that there is no grace period for 1st payment ; however, the contract doesn't state that. They will not allow me to reinstate the vehicle and has sold it back to the dealership. 

In Maryland, I am to be notified within 10 days via personal service or certified mail of their intent to repossess and provided an opportunity to reinstate the loan and to redeem the vehicle, but those options were not given to me. 

I am now out of my down payment and have no vehicle.
Consumer complaint received 2023-02-23
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. (CA)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XX/XX/2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX XXXX or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX  XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave XXXX written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. By XXXX reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to XXXX have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.
Consumer complaint received 2023-02-23
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. (MD)

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-23
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: CLGF Holdco 1, LLC (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 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 consumer 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 2020-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

There are two parties involved : XXXX XXXX. XXXX  in XXXX XXXX and their debt collection agency, Capital Accounts LLC. 

XXXX XXXX. XXXX  in XXXX XXXX repeatedly charged me for misleading amounts without letting me know. They would quote me I need to pay a certain amount, assuring me the rest would be paid by insurance. The insurance company never paid as much as expected. XXXX XXXX. XXXX 1. systematically underestimated the amount covered by insurance to trick consumers into buying procedures and 2. hid the debt from the consumer until it was too late. It is visible that they misrepresented the true cost of the procedure from the billing sheet - I always paid the amount expected on the day of, and then they either collected less from the insurance company or increased the price retroactively. A one-time mistake would be plausible, but it happened almost every time. I received no notification of these debts until recently, 3 years later, when Capital Accounts LLC showed up on my credit report.

Capital Accounts LLC is misrepresenting the amount owed. Even XXXX XXXX XXXXal shows that the debt is {$1200.00}, but Capital Accounts LLC fraudulently lists it at over {$1700.00}.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Dear Consumer Affairs representative, On XX/XX/XXXX, my mortgage was sold to a new creditor, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX . Rushmore loan management services LLC was identified as the new servicer of my loan, including collection of my mortgage payment. 
In XX/XX/XXXX, I sent my mortgage payment in the form of a cashier 's check via certified mail to Rushmore. Upon its receipt, it is to be signed for by Rushmore and I, the sender, receives a return receipt. There is also a tracking number ( # XXXX ) on the postage, where I can track the mail to the location. The mail got there XX/XX/XXXX, but they did not pick up the mail until XX/XX/XXXX. The receiver was XXXX XXXX. On XX/XX/XXXX, I received a notice in the mail that my payment was not received. The date of the notice was XX/XX/XXXX. 
On XXXX XXXX, I placed a call to the servicer explaining to them that the mail was there for pick up on XX/XX/XXXX and that XXXX XXXX signed for the mail on XX/XX/XXXX. I was told that they put the payment in the system on XX/XX/XXXX, hence they deemed it late. 
For the XXXX mortgage, I changed my method of payment and sent it through XXXX XXXX as they identified this as an method of payment they accept. I called the following day and spoke to the representative XXXX to make sure they received the payment. I was told he did not see a payment made to the account and if it was sent in, they will enter it in their system later. On the statement due XX/XX/XXXX, I was charged a late fee again and was even reported to the credit bureau. 
I am deeply distressed with the blatant disregard Rushmore has for its consumers. I need them to clear my name with the credit bureau and bring my account to current. Further, I no longer wish to do business with them, as their business practices appear to be unscrupulous and not consumer oriented. 
As a XXXX XXXX, I have lost substantial sleep over the last 60 days. Daily, I am putting my life on the line to instill hope in every XXXX  I come in contact with and to put a smile on their faces whenever possible. I have XXXX, family members, and children that are depending on me. The last thing I should have to worry about is a mortgage servicer that is cheating the American Consumer out of their homes. As an essential part of the workforce, it deeply saddens me that this company takes advantage of its consumers in this way to line their pockets. It is a shame and they should not be in business. 
I anxiously await and anticipate your response.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

XX/XX/XXXX - Landlord set up my account with XXXX XXXX without my knowledge, only mentioned I needed to have electricity set up to move in. 
XX/XX/XXXX - Utilities were disconnected without notice. Spoken with a XXXX XXXX supervisor over the phone that because I did not set up the account, they would close the account and I do not owe anything. 
XX/XX/XXXX - Debt collection company Convergent Outsourcing called that I owe {$66.00} debt to XXXX XXXX. I tried to verify the debt but they were unable to do so. Due to constant harassment, I called up XXXX XXXX to pay the {$66.00} but they were unable to offer a receipt, although I have it recorded on my bank statement posted on XX/XX/XXXX. 
XX/XX/XXXX - Same debt collection company called again that I owe {$330.00} this time. I called up XXXX XXXX but they are still trying to charge me for that account and sent the amount to debt collection behind my back, despite what the supervisor said on the phone on XX/XX/XXXX. 

Ridiculously petty and deceptively company XXXX XXXX and unprofessional debt collection Convergent Outsourcing always unable to verify any form of debt and constantly harassing me through phone calls even when I asked for them to stop. I do not want to make another payment again because it seems the utility company just kept asking for more by sending larger and larger amounts to a shady debt collection company.
Consumer complaint received 2023-02-23
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: SANTANDER HOLDINGS USA, INC. (NY)

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Consumer complaint received 2023-02-23
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I inadvertertently transferred more than {$3500.00} from my savings account to my credit card account linked on the Bank of America website instead of my checking account. I have a positive balance of {$3500.00} and every time I call to have this returned to my checking account I get a different story of how long it will take. First person said 10 days. I asked for an escalation and was told to even get into the escalation process it would take at least 5 days. It has now been two weeks and the next call I was given i was told it could take up to TWO billing cycles to return my money... up to 60 days. 

This represents an entire paycheck. This has made it so I am now late in paying my mortgage and my credit rating is going to take a big hit. I am stressed and can not sleep well. 

Please tell me there is a recourse to get Bank of America to do the right thing.
Consumer complaint received 2023-02-23
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX # XXXXXXXX XXXX  # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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 2023-02-23
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: Monterey Financial Services LLC (MO)

I bought an item from Monterey Financial and it was 90 days same as cash and I paid it off in one month and they reported it as a charge off because they charged me an extra {$36.00} and I called and complained and they had to correct it and then the correction they consider the {$36.00} that they made a mistake with a charge off and XXXX will not change my credit score to paid in full even after I have sent them all the documentation proving it was paid in full and never a charge off. I have talked to XXXX. They will not change it and have given me the runaround. XXXX XXXX and XXXX, or reporting my credit correctly, but XXXX will not change it no matter how many investigations they have done, and no matter how much information I have sent them to prove my case.