davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lendbuzz Inc. (FL)

I purchased a vehicle in XXXX of XXXX with a down payment of {$20000.00} I was originally told by the dealership that the internet rate would be 12 % only to later find out that it was 13.87 %. I hit a hardship where I had to make substantial repairs to the vehicle which cased me to fall behind on payments. I was 2 months behind on the payment as a result of this at the time. I was attempting to contact the lender who is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. I was unsuccessful in my efforts to speak with them. Every time I called I got the automated service. The vehicle was repossessed on XX/XX/XXXX. Upon my attempts to pay my past due balances and retrieve my vehicle I was told that they would not accept the payment but instead wanted the entire balance owed on the loan which is {$32000.00}. I attempted numerous times to get in touch with someone in charge that could resolve the matter and was not able to. I believe that throughout this entire debacle I was handled incorrectly and harmed in several ways. 
Sincerely, done in good faith all rights reserved. Authorized representative By : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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)

XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/30, I received an email from PennyMac about lowering my interest rate on my mortgage currently with them. I spoke with a loan officer XXXX XXXX and asked him about fees. He said because I was a current customer that it wouldn't cost me anything. I specifically asked about what it would cost multiple times and he said I would pay nothing. I asked if the fees were rolled into the principal and he say no. He said they take it from escrow but then add it back to escrow on the back end. 

Because he explained there was no cost, I applied and he pulled my credit report but then later said there was {$6500.00} in fees. 

I have left multiple messages a day for XXXX XXXX, his supervisor XXXX XXXX and another manager XXXX. No one has returned my calls. 

I would like the credit inquiry reversed since they obtained it under false pretentions.
Consumer complaint received 2022-10-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

On XX/XX/2022 I submitted my loss mitigation packet to Freedom Mortgage, yet they keep asking for the same information I have submitted. Customer service verifies the documents are there & ask loss mitigation to do a 2nd review, at which point they will ask for something else. During this they sent me paperwork, that they verified went to another address, & they put a foreclosure sale date on our home during the time frame I had to ( re ) submit the same paperwork they already had. Im told Im responsible for the lawyer & foreclosure fees that are now on my account due to this, that I have 0 control of. I found out today they are reporting my mortgage foreclosure to the credit bureaus, telling me it will stay there indefinitely, when I was told as long as I was working on the loss mitigation it wouldnt go onto my credit. Due to them dragging this out & requesting I resubmit the same items my packet is now outdated. Essentially I have to start everything all over & resubmit all new information. This should not be happening & has created a lot of unnecessary stress & more financial hardship due to the impact this has made to my credit.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB, All banks in XXXX allow payment of checks based on deposits. 

I deposited a simple check of $ XXXX. TD placed a XXXX business day hold on my check. 

I needed the money urgently. I tried to cover by transferring money. Now, TD charged me {$15.00} wire fee. 

This has happened more than once... .where I put money to cover some payments but for no reason TD 's staff placed a LONG LONG hold on the check. 

Please investigate this issue and ask TD for supply data on how many people were charged fees for overdraft, even though they had deposited funds to cover their payments. 

I have been with TD for 20 years.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a GAP credit card and made a {$14.00} purchase on the credit card application. I did not receive the actual card. The bill came from Barclays bank for {$14.00}. I attempted to pay the bill over the phone, but was told that without the entire 16-digit number, payment could not be accepted. The Barclays representative absolutely would not accept payment. The next bill came ( once again, no credit card to refer to ) and a late fee of {$16.00} had been added to the balance. Once again I attempted to resolve the issue by phone, and once again they refused to discuss it or to accept payment. This is an unacceptable situation; refusing to resolve/accept payment while simultaneously tacking on fees.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Pacific Rim Alliance Corporation (AZ)

I contacted this company in XX/XX/2022 because I was out on medical leave, was Robbed, also had to get my engine of my car repaired at the cost of approximately XXXX dollars. I was told in XX/XX/2022 that they would stop the interest on the loan. I believe his name was XXXX in the collection department. He told me they would. Well I made a payment of XXXX on XX/XX/2022 only to find out the guy lied. Interest was still accumulated and it just restarted my loan all over again. I called the store on higley to have district XXXX call me. He did call and was to call me back once he spoke with collection department. Then I got covid for the second time in XXXX. I called on XX/XX/2022 to make a solid payment arrangement now that I'm back on my feet and was told it was in the litigation dept. So I called XXXX and spoke with her. She gave me the balance of XXXX and some change and told me it was to late. Well I check with the courts and nothing has been filed as of XX/XX/2022. Also at the time I spoke with XXXX I believe my balance was XXXX and now it's XXXX. I'm trying to make good on the loan but being told I can't even make a payment or set up a solid payment arrangement. To me this is unfair. I have also not received and letters to my address. This is unfair practice.
Consumer complaint received 2023-04-22
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I disputed multiple charges which were fraud from XX/XX/XXXX to XX/XX/XXXX. After crediting disputed charges, Bank of America reversed lump sum amount of charges, without giving any explanations, how they came up with these amount, what charges are they reversing, no proof of how they figured these charges belong to us even after our multiple requests. They never provided us any proof. On top of all of that, I paid a lawyer to send them letter with certified mail twice, and email, they have not even responded to my lawyer. 
Additionally, they have sent letters to four credit bureaus stating we don't agree with the charge backs on fraud charges- basically trying to ruin my credit.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 This is an inquiry I have no idea where it came from or who did it.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am still showing late payments on an account that is from XX/XX/XXXX not only is this over the seven years mark it is also closed. It still continues to show late payments until XXXX as well when the vehicle was returned in XXXX. How is this right?
Consumer complaint received 2023-04-22
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. (IL)

On XX/XX/2023, I mailed a detailed certified letter to XXXX XXXX XXXX stating that they violated my consumer rights. 
15 U.S. Code 6802 Obligations with respect to disclosures of personal information 15 U.S. Code 1681Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports.

I requested that XXXX do an investigation and provide documentation that they were given written consent to report my transaction on my consumer report. I asked for permissible Purpose documentation. and they are willfully in noncompliance and that they are liable for the sum of {$100.00} and not more than {$1000.00}. 

On XXXX XXXX XXXX XXXX XXXX acknowledge that they did receive my letter and gave me copies of my transaction history. XXXX XXXX XXXX failed to provide verified documentation. such as disclosure documents or permissible purpose documents. in fact, they stated how I could file a dispute letter, which was irrelevant because they were responding to my dispute letter.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (NJ)

XXXX XX/XX/2021 Funded account with XXXX XXXX XXXX XXXX XX/XX/2021 Requested ACH disbursements totalling {$2100.00} XXXX XX/XX/2021 Contacted Wise customer service due to held transaction - submitted requested information XXXX XX/XX/2021 Submitted formation and identification information on website. 
XXXX XX/XX/2021 XXXX XXXX customer service to followup. They said it could take XXXX days for compliance to respond, that I didn't need to do anything. 
XXXX XX/XX/2021 Placed wire request for XXXX XXXX XX/XX/2021 XXXX XXXX Customer service. Was told to just wait. I said " thank you, may I know how long I should wait until checking again? '' The response was " I already told you, you need to wait '' and they ended the session. 
XXXX XX/XX/2021 Found email in spam from " XXXX '' requesting a statement on source of funds. 
XXXX XX/XX/2021 Customer Service assured me that funds will be released in the morning. 
Later XXXX requests detailed business plans and other private information. Later that was amended to an Official Notice from the sender of funds. 
We are a very small company. We don't know when the requests will stop, we can not pay our suppliers. This grant was a lifeline to help us stabilize our business after a very hard 18 months. TransferWise will likely cause our company to fold.
Consumer complaint received 2021-05-25
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)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-06-13
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. (TX)

Equifax 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. XXXX5 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. 15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

And after a detailed review of my consumer report these said inquires are all in violation of the FCRA as none of them is a creditor in such assignment transactions and nobody extended me credit not to mention the dealer is by law the only creditor and, by having no intention of extending the credit disclosed in the RISC, it too violates the FCRA at 1681b but not only that I do not Recognize many of the mentioned inquiries and I am a victim of identity theft my report is attached Inquires XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 And with me being a victim of identity theft the said accounts and inquires are possible risk of identity theft so I demand they be deleted from my file as pursuant to 15 USC 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Our mother, a resident of Indiana, passed away XX/XX/2020. In the process of settling her final affairs, we realized that a mortgage for a double-wide trailer in Tennessee with Select Portfolio Servicing still existed in her name. In researching this issue we realized her brother 's girlfriend had her illegally sign a quitclaim deed to the double-wide and the land it sits on over to her. Our uncle and his girlfriend live in the double-wide trailer and use our mother 's SSN to access the automated payment system to make the monthly payments. We have tried contacting Select Portfolio Servicing to get them to stop accepting payments on the property, but they refuse. We were told by SPS that as long as someone makes a payment they will continue to let the loan be active. My siblings and I have contacted an attorney in Tennessee and were told that we legally own the trailer and our uncle and his girlfriend legally own the land that it sits on. However, the escrow account for our mother 's loan pays for the property tax for our uncle 's property. The attorney also verified the quitclaim deed was not valid, but the statute of limitations has passed for any legal charges to be filed. Select Portfolio Servicing should have forclosed on the property back when the quitclaim deed was filed since the land used to secure the loan was signed over to someone else.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

In XXXX of XXXX I sent national credit systems a letter to validate a debt that was placed by them on my credit report. I did not receive a response back until XX/XX/XXXX, which was basically a discounted offer. I replied back in XXXX that they failed to validate this alleged debt that I do not owe. In XXXX they sent me another statement that is absolutely inaccurate, The " rental agreement '' they sent shows I moved out on XX/XX/XXXX. However they are trying to charge me rent from XXXX. I did not live there at that time and my balance was cleared to a XXXX the date I did my final walk-thru with the agent there at the time, Also Ive included the rental agreement they sent, on page XXXX I've highlighted where they CLEARLY ALTERED this document. You can see they whited out the area and typed in XXXX. 

This debt is not owed by me.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I have been complaining to all about taking advantage of me and after going on 3years I have been taking out {$300.00} dollars out of my savings account in which social security sends my checks into a savings account and not a checking account. But now going on three years Wells Fargo didn't tell me anything about all of these hidden fees after I have been going into this financial institution and getting some of my writings notarized and either getting the {$300.00} dollars to pay for the utilities for in which I reside at this institution didn't tell me about all of these hidden fees after all of this time I should have been told this before hand. Like I told you all before my government benefits goes into my savings account and nt a checking account. Now this banking institution wants to charge me all of these hidden fees and the way Wells Fargo is trying to justify this after going on three years now they are telling me that from {$10.00} jumped all the way to {$300.00} and told me that I overdrafted my account and they have told me that I authorized that I authorized them to sign me up for over draft protection in which I didn't authorize this institution to sign me up for over draft protection and I have told them before I have called them to remove that {$10.00} from my savings account to pay for that service fee. But now XXXX jumped to XXXX cent 's and they have told me that I used online banking and I have told them I don't know how to use online banking I always call them when I need I need money to pay for a transaction I Never use online banking because I don't even know how to use online banking. Unless Wells Fargo and it's affiliates has forged my name on documents and open up a fake account and taking money just like this institution has done to other consumer 's that are on XXXX and taking advantage of people that trust Wells Fargo to take care of their money just like this institution is trying to take mine. And I would like to say that only because we are in a pandemic doesn't mean to take advantage of people that XXXX and taking their money knowing that a lot of people such as my self is on a fixed income. And I wouldn't be able to sleep at night knowing that I have taken advantage of someone that is XXXX and struggling.