davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I leased a XXXX XXXX  XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Upon closing the deal, F & I Manager XXXX XXXX sold me XXXX XXXX XXXX XXXX XXXX Agreement # XXXX   XXXX for {$430.00} and another one called Appearance and/or Windshield Protection for {$350.00} both for 4 years. On my 3rd year of leasing, I noticed I never got a policy to read at all. So I called XXXX and inquired to where I can call about the service agreement about a dent repair because someone or something scratched my car. I even went there beforehand to inquire how I can get it repaired using my Service agreement. That was the only time I was told that it has to be a size of a credit card and therefore, it does not qualify for repair. This was not explained to me when I was sold the product. I called the company called XXXX and asked for the policy to be cancelled since I feel that I got decoyed into buying it believing that if my car get scratched, I'm insured. XXXX told me it's not refundable and emailed me the policy which I don't understand why now I can't find it among my email inbox. On the 1st week of XXXX I emailed XXXX XXXX, Manager of XXXX XXXX discussing my situation that I am on BK XXXX and that will the dealership allow me to extend or lease another vehicle. XXXX XXXX responded and met with him XX/XX/XXXX. I filled out an application and submitted my W2s only to find out they turned me down because of BK XXXX So I gave up. Went to XXXX XXXX XXXX to get another car because my XXXX lease is expiring in XX/XX/XXXX. They agreed to help me even with BK XXXX and possibly pay the last 2 months of my lease. Unfortunately, they are asking for payment history. I called XXXX XXXX   Account # XXXX at XXXX to get my payment history but they refused to email me the payment history but only to my lawyer. I do not understand this. I ended up losing the deal with XXXX XXXX XXXX. Up to now, XXXX XXXX does not want to give my my payment history and I don't understand that since it is my own record. From the very start, they decoyed me about selling useless service agreements and which I'm not allowed to cancel. Now, the XXXX fXXXX is giving me a hard time getting my own record so I can apply at another dealership for a replacement car. I had been faithful paying XXXX XXXX in the past. I filed for BK XXXX because I had been in and out of the hospital and was forced to retire due to my illness. Now I am stuck and after I turn over the XXXX car, I have no car to go back and fort to the specialists since I could not even get my own record from XXXX XXXX.
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (GA)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies
Consumer complaint received 2020-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the sole owner and CEO of XXXX, as proven by all relevant legal documents we know about in the BofA customer file. XXXX was a longstanding banking and Credit Card customer of BofA, originated by its former owner and officer, XXXX XXXX, before he retired and transferred the business to me in 2014. While I closed the bank accounts several years ago, I continued the Credit Card. The XXXX Credit Card account has long been documented exclusively for me, and such known documentation entirely excluded my father, who is in every legal and business respect irrelevant. He is not an authorized recipient of anything relating to XXXX or me. Three times during my ownership of XXXX, BofA has sent unauthorized Credit Card notices to my father by email ( at XXXX ) and US mail ( to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), but those notices were not also sent to me as required and contrary to all relevant documentation known to XXXX ( or to me or my father. ) For obvious reasons, it is essential that I exclusively receive all the notices regarding the Credit Card ( and any other XXXX account matters of every kind. ) On two prior occasions BofA assured me that this problem had been solved, but the problem has just recently reoccurred. This inexcusable mishandling of XXXX Credit Card data must be immediately corrected and stopped.
Consumer complaint received 2019-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to XXXX XXXX, XXXX XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The XXXX XXXX XXXX account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my XXXX report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my XXXX report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted XXXX numerous times regarding this situation but have always gotten sent back to Capital One with no success, and my good standing XXXX XXXX XXXX account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the XXXX   report. This document also shares the XXXX  XXXX XXXX.
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (CA)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc ()

The company has contacted me for a debt and have called me 4 times within 3 days. This period was also during a 1 week period. 

The company they are working for also made no contact with me regarding the amount owed and without my knowledge sent me to a debt collector They called me on the following dates XX/XX/19 x 1 phone call XX/XX/19 x 2 phone calls XX/XX/19 x 1 phone call
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

Around XXXX of XXXX I started to get calls from my health club XXXX XXXX, ( now bought by XXXX XXXX ). I have gone to the gym off and on since XXXX. Every now and then they would have issues with my auto payment, and I would go to the gym speak to the manager and it would be taken care of. So in XXXX I went in and talked to the manager XXXX. XXXX told me not to worry about the calls he was going to take care of everything and start my membership up again. I still to this day am paying for my membership. I randomly looked at my XXXX XXXX app last month and saw I had a debt collection from XXXX XXXX ( was XXXX XXXX )
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (FL)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I was setting up a cell phone line with XXXX XXXX and was asked on the phone if it was ok to do a credit inquiry I told them it was not ok and they did it anyway. When I contacted them about it they said that it was done the day before when I had contacted them about another issue and that the person I had talked to that day forgot to tell me they were doing a credit inquiry. They acknowledged the mistake but refused to remove it from my credit as they are required by law and said that it was not possible for them to remove it and I need to contract Equifax. I disputed it with Equifax but they are refusing to provide the results of the dispute.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (UT)

CBE Group is attempting to collect on debts I do not owe, these were written off by my doctor 's office as hardship. The accounts they are attempting to collect on are # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I do not owe these debts they were written off.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a tax refund check for {$4300.00} from the US Treasury. I deposited it in my Bank of America checking account through a local Bank of America ATM. When I view my account online, it correctly shows that the deposit was made on XX/XX/XXXX ( 2019 ). Today is XX/XX/XXXX. It states that the funds ( the full {$4300.00} ) will not be available until XX/XX/XXXX. 
I am dismayed at this delay. This is a US government check which should be reliable, and it is not for a large amount. There is nothing unusual about the check or the transaction or my account ( which I've had for many years ). Even with the intervening XXXX XXXX holiday on XX/XX/XXXX, this delay in the availability of my money seems highly unreasonable. And it is a far longer delay than described in general terms on the CFPB website. I assume Bank of America does this routinely to customers, getting " free '' use of customers ' money with an unnecessarily long float time. What can be done?
Consumer complaint received 2019-11-05
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: JPMORGAN CHASE & CO. (NY)

I was traveling in XXXX from XX/XX/XXXX-XX/XX/XXXX, XXXX. On XX/XX/XXXX when I was in XXXX, Chase emailed me informing there were two big transactions, {$11000.00}, and {$8600.00}, just made, asking if I made them. I replied " NO '' right away. Upon returning to NY on XX/XX/XXXX, I followed up and learned the {$11000.00} transaction was declined but {$8600.00} was considered valid as the chip was used. I have kept contacting Chase since then, explaining the situation and providing all the documents required : including a copy of my passport, travel itinerary, even a copy of the email from Chase notifying the fraud on XX/XX/XXXX. I also have an attorney, XXXX XXXX, to help me. 
Despite of all our contacts and supporting documents, Chase sticks with one answer, the card chip was used, therefore I am responsible for the payment. In the meantime, they never provide any evidence to show what made them to believe the transaction was made by me, when, and for whom to consume for what time period. As a card issuer, they can track such activities easily and can identify who actually used it and could cancel it quickly. Instead its Fraud department even made a false statement in a letter to my lawyer on XX/XX/XXXX saying that I " notified them the transaction was valid, '' despite of the fact that I have repeated denied this charge. 
A national bank would lie to its customer 's lawyer to justify their incorrect conclusion? is this an intentional mistake or a crime? 
It has been over three months since I first replied Chase email with " No '' in XXXX. the case is still going on with no end in sight. Now the bank begins to charge me interests even though the transaction is in dispute. 
I'll attach my travel itinerary and my lawyer 's latest correspondence with Chase on XX/XX/XXXX.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Noticed on my credit report I had a past due collections from XX/XX/2019 for {$1500.00}. I never received a letter/notice regarding anything being owed nor have I been contacted by debt collection or company I owe. Account disputes in XX/XX/2019, tried to contact company mid XX/XX/2019 without success.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I started receiving calls from a company that claims to handle debt collection for ace cash express. This number XXXX first called and then said they are trying to locate me so they can arrest me then they gave me a fake case number for a civil case in my local court and said I had 30 minutes to contact this number XXXX to pay to avoid being arrested they have been told to stop and wont give any information as to where they are located so I can send a letter to have them stop calling me. Based on what Ive found online is that this company has been sued previously for doing exactly what they are doing now, also the numbers given appear to be spoofed. I have attached a voicemail from one of the numbers
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (DC)

On XX/XX/XXXX, I applied for a loan modification with my current lender, LoanCare LLC ( also referred to as XXXX XXXX XXXX ) to reduce my monthly mortgage payments after a car accident and other medical issues. On XX/XX/XXXX, I received a letter from LoanCare, dated XX/XX/XXXX, stating that it would offer me a Trial Payment Plan for three months from XX/XX/XXXX to XX/XX/XXXX. However, this offer only reduces my mortgage payment by {$66.00} a month. It does not provide any proposed terms such as the interest rate, whether the interest rate will be fixed or variable, and whether there is any option for a lower payment after the trial period. The interest rate could go up substantially after the trial period. It also contains language that makes me vulnerable to foreclosure. For instance, on Page 3 of the letter, it states that " Our acceptance and posting of your payment during the Trial Period Plan will not be deemed a waiver of the acceleration of your loan and related activities, including the right to resume or continue foreclosure, and shall not constitute a cure of your mortgage default unless such payments are sufficient to completely cure the default. '' LoanCare also states in its letter that I was not eligible for the " 40001-Repayment Plan because the borrower has negative surplus income which is not sufficient to bring the mortgage current. '' I feel pressured to accept the plan since LoanCare can accelerate foreclosure if I do not accept the Trial Period Plan, However, the minimal savings of {$66.00} per month does not give me sufficient financial relief as a struggling single parent with health issues. In summary, I feel that the proposed trial plan is a deliberate set up for failure.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP (FL)

I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from XXXX XXXX. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, Rausch Sturm, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.
Consumer complaint received 2019-11-05
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. (TX)

XXXX is reporting incorrectly to Transunion a repossession with a current balance due of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned the vehicle to the dealership within the time allotted under the Lemon Law. The vehicle had stopped running and the representative that I spoke with at the dealership assured me that the dealership would cover the costs for repairing the vehicle. I was never notified if/when the vehicle would be repaired and consequently I never regained possession of the vehicle from the dealership. The vehicle was then later sold at auction and was sold for more than what was owed. This account needs to report a {$0.00} balance and the coding regarding a repossession needs to be removed. There is no outstanding balance on this account. This false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

In XX/XX/2019, I contacted Wakefield & Associates regarding a notice of a debt placed with them for collection from XXXX XXXX. I requested validation of the debt and a detailed bill. I never received this documentation. I was served with an order to appear in court for this debt. In XX/XX/2019, I again called to ask for validation of the debt as well as asking for the call to be pulled in XXXX to confirm that I requested validation of the debt. The representative informed me she would submit the request and I would receive a call within 24-48 business hours. I never received any contact. I went to court and asked for validation of the debt and the attorney rescheduled the date. I finally received the documentation however if I requested the validation in XXXX, it is my understanding I should have receive this within 30 days for the debt to be valid and owed. I contacted this company again today to which I received the response that they do no have to call me back, they do not have to tell me if I did request validation of the debt in XXXX, they do not represent me so they do not have to assist me in any way.