davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I terminated the lease on my vehicle ( a XXXX Nissan Sentra leased through Nissan Motor Acceptance Corp ) on XXXX/XXXX/15 when I purchased a new vehicle. I understood that I would have to pay all payments up to my contracted date. I signed the odometer statement and left my vehicle at a non Nissan dealership. My sales person informed me that I was all set, gave me an approximate number of how much I owed NMAC since he had called them to find out, and informed me to call the finance company on Monday to confirm this amount and to pay it off. I was also informed that I had to give my plates back to the DMV, and promptly mailed them back to the DMV later that week. On XXXX/XXXX/15 I called to confirm the amount of payments I owed to the finance company to pay the lease off, which i had estimated to be approximately {$700.00} or so. This is when I found out about a disposition fee that was never mentioned to me in the car buying process. I attempted to make a few calls to get this waived but was unable to get this fee waived. On XXXX/XXXX/15 I made a payment of {$740.00} to the finance company for the remainder of my contracted payments. I was told that in 4-6 weeks I would get a final statement with the disposition fee and any other charges I may have incurred. I started to get concerned XX/XX/XXXX when I had not received any mail from NMAC, so I had decided to contact them on XXXX/XXXX/15. They claimed to have not received my odometer statement. I promptly called the dealership I dropped the car off and asked that they resend the odometer statement to NMAC. I called NMAC back on XXXX/XXXX/15 to confirm that they had received the statement and was informed that they received it on XXXX/XXXX/15, but that my car had not been grounded. The dealership informed me that they had contacted NMAC to pick up my vehicle but they had yet to do so. NMAC denied getting word from the dealership that my car was waiting to be picked up. It is now XXXX/XXXX/15 and my car has yet to be picked up or have a set date to be picked up. Earlier this week I asked to be sent a signed copy of my lease contract, which I was informed that I would receive in 24 hours. I have yet to receive a copy of my signed contract. I have made all my payments except for the disposition fee and at this point feel as though I should not have to pay a disposition fee to NMAC. This process should not be that difficult and I have had to call them and confirm multiple steps of the process have been completed wasting my valuable time. I am unhappy with the service.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (CA)

I am writing to file a formal complaint against Harley Davidson Finance due to what I believe to be unfair lending practices. 

In XX/XX/XXXX, I purchased a Harley Davidson XXXXXXXX XXXX XXXX XXXX for a total of {$31000.00} ( including taxes ). I made a down payment of {$4000.00}, and my monthly payment has been {$510.00} for a loan term of 84 months. 

Despite consistently making my monthly payments on time, as shown in my account statements ( attached ), I still owe {$19000.00} as of XX/XX/XXXX. This is concerning because I have already paid approximately {$18000.00} since the start of the loan. The principal balance has not reduced in line with what I would expect, and it appears that a disproportionate amount of my payments is being applied to interest, which I find unreasonable, particularly with a 12 % interest rate. 

Additionally, I have been charged {$46.00} in late fees and {$35.00} in non-sufficient fund fees, which further compound the financial burden. I requested that Harley Davidson Finance reduce my interest rate given the current economic conditions, but they refused to accommodate my request. This rigid stance suggests unfair lending practices and a refusal to work with customers during difficult financial times.

These are the key points that I believe need to be addressed : XXXX. The high interest rate of 12 % is resulting in slow principal reduction despite regular and timely payments. As of now, I have paid nearly {$18000.00}, but I still owe {$19000.00}. 
XXXX. Harley Davidson Finance has refused to reduce the interest rate, even though I have made a good-faith effort to request adjustments in light of economic hardship. This refusal to negotiate appears unfair and not in the best interest of the consumer. 
XXXX. Excessive fees such as late charges and non-sufficient fund fees have further increased my financial obligations, despite efforts to stay current with payments. 

I have been a long-time supporter of the Harley Davidson brand and culture, but this experience has left me frustrated and reconsidering my future as a Harley Davidson customer . I believe these actions constitute unfair lending practices, and I ask for CFPBs assistance in reviewing my case and helping to reach a fair resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XX/XX/year>, I visited XXXX XXXX XXXX XXXX XXXX XXXX and spent {$39.00} using my debit card with the PIN. The clerk was very inappropriate and as a woman alone, I was very uncomfortable and left quickly. This charge showed up on my account, and a second charge of {$320.00} showed up on my account dated XX/XX/year>. I noticed this on XX/XX/year> and immediately called Huntington Bank to dispute the charge, stop my debit card and order a new one. I also called the XXXX XXXX XXXX  and filed a police report for theft ( case ID XXXX ). I paid extra to receive my debit card sooner, as this was on a holiday weekend and I would otherwise wait over 7 days for my new card. On XX/XX/year>, the dispute was denied and the provisional credit issued was reversed from my checking acct. i called and requested documentation from their research dept about how they determined this, and requested that the dispute be reopened. On XX/XX/year>, i received a letter stating the dispute was again denied. I called again and requested documentation and requested that the dispute be reopened. At this time they requested the police report case # and i provided that. On XX/XX/year> i called to ask the status of the case and was told it was denied again. I told them they had not sent requested documentation yet and that i wanted to know the next steps to get my money back. They stated they could reopen the dispute and put another request for documentation but that it would probably be denied again and that i would receive a letter that states exactly what Ive been told.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (WA)

US Bank issued XXXX credit cards to my business. Each card had a separate statement, balance, credit line, reward program. After a few months the cards were XXXX declined. Paper statements and online banking XXXX showed in excess of {$15000.00} credit available between the XXXX cards. The bank asserted that the total corporate credit was {$16000.00} and the balance was maxed out. Multiple bank employees looked at the account and reported that there should be plenty of credit still available. After calling around they then returned to say that there was only {$16000.00} credit total rather than {$16000.00} per card. 
In the process of applying for the cards, the business also applied for a line of credit through US Bank. Under the advisement of the business banker we requested {$25000.00}. It was denied because we had too much credit with US Bank. We were advised that as long as we were under {$50000.00} we should qualify for the loan.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (AZ)

On Friday, XX/XX/year>, I checked my credit report and there was an unknown open debt for {$860.00} that says it was supposedly opened in XXXX. This day was the first day that I saw that it was on my credit report. I didnt voluntarily open any accounts with this amount, so I honestly dont know what could be owed. I havent even received any letters or calls about this debt. I did my own research and found that theres been plenty of scams with this company. The companys name is Credit Management Company
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

I do not believe the information reported on my credit report is valid. The balance on this account is showing as open and that is incorrect. I have tried handling this with the company but they refuse to take action or do what needs to be done to correct this and it has negatively impacted my credit score.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I contacted XXXX at XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX on XXXX occassions and demanded they provide proof of debt which they refused. LVNV Funding representative was very unprofessional and rude. The fact remains LVNV FUnding LLC has violated the Fair Credit Reporting Act by posting an inaccurate and FALSE Derogatory statement with the XXXX Credit Bureaus XXXX, XXXX, and XXXX. I am trying to Purchase a home and this illegal action by LVNV FUnding is preventing me from being approved for a XXXX XXXX. LVNV FUnding LLC is liable civily and criminally. THe Civil Liability could be for the Cost of this home I am attempting to purchase. I Demand LVNV FUnding completely Remove this derogatory from ALL three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Immediately. Also Email and mail me a clearance letter stating this was incorrect reporting and i am exhonerated completely from this debt. The Account number listed XXXX.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I recently received a summons and complaint from RVO Law, a representative of XXXX XXXX XXXX XXXX assignee of XXXX XXXX Bank on XXXX XXXX, 2015. I contacted RVO law on XXXX XXXX explaining my shock to the summons. I finally spoke to an individual named XXXX on XXXX XXXX, 2015. She explained that they had recently acquired a debt they believed belonged to me. This was the first exchange I 've ever had with RVO law. 

XXXX explained to me RVO was willing to take a settlement, avoiding any legal action. She requested bank statements, expenses, and personal information, data a collection agency has never asked of me before. This immediately sent up red flags for me. I have already been served with summons that I am obligated to respond to regardless of some agreement made post-haste. I had never been contacted by RVO law before receiving a summons. 

I am writing this complaint because I was never properly confronted about this debt by this particular collection agency. When I received this lawsuit I was dissuaded to respond ( to the summons ) although the wheels had been set in motion. Had I not contacted and spoke with a consumer financial protection bureau personnel I would have taken the incorrect course of action based off the miss information of the debt collection agency relayed to me, failing to respond to a lawsuit.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLIPHANT FINANCIAL, LLC (NY)

XXXX XXXX XXXX reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out XXXX XXXX SOLD my loan to OLIPHANT FINANCIAL on XX/XX/2019. I contacted Oliphant immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from Oliphant that my account PAID IN FULL. therefore XXXX XXXX should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which XXXX XXXX refuse to do & keep negative mark on my credit history.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OR)

I became the victim of a scam, in which the scammer was able to gain access to my bank account and credit card at Wells Fargo Bank. The scammer was able to complete a cash withdrawal of {$9000.00}. I was advised to meet with a banker, which i did the same day and he was able to close all of my accounts ( checking and credit card ) and new account numbers were issued. 
WFB then determined that the charge was fraudulent and they provided me with a provisional credit of {$9000.00} while they completed an investigation.

I later learned that WFB charged me a cash advance fee, and the interest associated with this {$9000.00} withdrawal. Because the credit card was set up as automatic payments, a miniumum payment of {$140.00} was withdrawn from my checking account. 
I never had any charges on this card, and because the {$9000.00} cash advance, and the fees/interest that have been charged, should be removed. Additionally, the {$140.00} payment that was automatically taken should be reimbursed to me.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian Credit Reporting has used my credit report improperly and without my verbal or written permission, further violating my FCRA RIGHTS. Experian was sent a dispute by me on XX/XX/2024 for the item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR - XXXX XXXX XXXX  AMOUNT XXXX. I sent in an identity theft form fully filled out with all the imformation along with all of my identifying documents. EXPERIAN REFUSED AND DENIED MY BLOCK REQUEST. this is becoming a pattern for experian to not properly investigate my claims and block my requested item within 5 days of the id theft dispute. Experian sends me notices every time i submit a id theft report which is attached below, thats states they are denying my request. Even after multiple disputes both mail and online, multiple phone calls and 3 or more id theft reports EXPERIAN refuses to honor this goverment document and is still allowing this company access to my personal credit file after i requested this company be blocked and all reporting cease immediately. Recently on XX/XX/2024 EXPERIAN recieved my 4th dispute via certified mail along with an ID THEFT REPORT TO BLOCK THE ABOVE MENTIONED ITEM. IT HAS BEEN ONE WEEK AND EXPERIAN HAS NOT BLOCKED ITEM PER FEDERAL LAWS, AND THEY HAVE NOT HONORED THE FTC ID THEFT REPORT ONCE AGAIN. INSTEAD EXPERIAN HAS INITIATED ANOTHER 30-60 DAYS DISPUTE ON THE ITEMS, TREATING IT AS IF IT IS A NORMAL DISPUTE AND IT IS NOT IT IS IDENTITY THEFT. MY FCRA LAWS ARE BEING VIOLATED AND ALSO MY PRIVACY IS BEING VIOLATED. I REQUESTED A METHOD OF VERIFICATION OF VERIFIED ITEM AND I WAS TOLD BY EXPERIAN THAT THEY WOULD NOT PROVIDE THAT INFORMATION, INTENIONAL NEGLECT, AND WILLFUL VIOLATION OF FCRA 611.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To the Consumer Financial Protection Bureau, I equally want to give formal complain that XXXX made an unauthorized hard inquiry on my credit report. Although I have tried several approaches not to face this problem, I have not succeeded. Again, XXXX recommended that I contact Experian since I was told by them that they did not start the hard pull. But to this date, neither Experian nor XXXX has been in a position to produce any paperwork that demonstrate that I authorized the inquiry. I was advised by XXXX to contest the inquiry using a process that informed Experian of the inaccuracy of the inquiry. Though they gave these instructions, Experian has denied to delete the unauthorized hard pull from my credit report. This is humiliating and offends me greatly since it puts a stamp of negativity on my credit status without prior permissions from me and thus I kindly seek the CFPBs intervention for the expeditious and satisfactory solution.