davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Concord Servicing Corporation (KY)

I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NC)

I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (NE)

Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (DE)

I am submitting this complaint related to actions taken by BMW Financial Services. I have attempted to contact BMW Financial Services Office of the CEO, Office of the President or whatever department that handles escalated customer complaints and not received any response to my complaint. 
To close out my XXXX, three year lease I received a statement for {$1700.00}. The charges are purported to support " damages '' assessed for my usage of the XXXX BMW. This is the third consecutive BMW that I have leased and I have never previously been assessed any amount above normal wear and tear. 
The question that I have not been able to have BMW FS address or explain is why the end of lease statement does not list " any credit '' related to the XXXX miles under the allotted ( and paid for ) XXXX miles limit. If the discrepancy was a few XXXX miles I would not have an issue. However, the fact that the vehicle was returned with XXXX miles fewer than anticipated, does by all true measures of an automobile 's worth, add value to the vehicle in question. Why does BMW Financial Services choose not to recognize this fact when assessing the car 's condition and the related end of lease charges? 
It seems BMWFS 's end of lease process is not focused on assessing the actual condition of the vehicle but creating an unregulated revenue stream by charging exaggerated fees and not applying any eligible credits. 
During my prior lease, XXXX BMW 528i, I also received an end of the lease statement balance. That balance due was significantly higher than the XXXX lease end amount. I was assessed {$2900.00}. The largest amount ( {$2300.00} ) was for excessive mileage ( {$0.00} per mile ). A review of BMWFS records will confirm that I paid the XXXX end of lease statement promptly, in full and without question. 
There seems to be an imbalance between the way BMW Financial Services views the value of miles when a customer goes over their limit and when they are well under the mileage. 
As a customer who has purchased or leased XXXX BMW automobiles in the last ten year span I expected professional customer service from BMW Financial Services even though I chose to end my nine year leasing relationship. In fact, I am still a BMWFS customer on another vehicle unrelated to this complaint. However, BMWFS has not XXXX contacted me about this matter or make any attempt to justify or explain their actions. This total lack ofconsideration toward a long time customer was an eye opener and has prompted me to conclude to never utilize their services again. 
I believe that BMW Financial Services is not dealing with the situation of my XXXX lease fairly and consistently in how they review the value of mileage related to end of lease charges. 
I request an escalated review of this matter and a revised end of lease statement reflecting the appropriate mileage adjustment.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # 3On XXXX XXXX, XXXX I received a notice from XXXX the account was referred to XXXX XXXX XXXX who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# XXXX placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XX/XX/XXXXThe above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when XXXX XXXX purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out to XXXX have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXXCopy of notice from XXXX XXXX XXXX XXXX XXXXCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
Consumer complaint received 2015-04-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

i was offered a free night with the intercontinental hotels program, i stayed at the hotel on the XXXX of XXXX 2016 for XXXX night. 
i was assured and promised that by the end of my stay i would only be charged XXXX night, then i was charged for XXXX nights. 
i have talked to all the representatives at the XXXX rewards program and with the accountant of the hotel and was assured it will be fixed. 
it was not fixed so i had to dispute the charge with Chase credit card, and they did not help me the consumer and credit card owner. 
so i canceled the credit card with out paying the disputed amount.
Consumer complaint received 2015-09-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Capital Recovery LLC (FL)

I would like to place a complaint the company or person called my place of employment from a restricted number ..spoke to my boss and told my boss they were going to take legal action and called family members saying they were going to get me fired. The name of the person is XXXX and there is a person named XXXX his extension is XXXX I was able to get their nbr by calling the restricted number its XXXX
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Trans Union sent a dispute to the creditor XXXX XXXX XXXX Credti Union XXXX and the creditor did not correct the issue on my credit report. I also had sent in documents to prove that the loan on my auto did get paid in full.
Consumer complaint received 2015-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (AZ)

In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (CA)

A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NJ)

ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

I have submitted several letters with return receipts disputing the information that Experian is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that Experian is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-10-14
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. (IL)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX XXXX {$3700.00} Account Name XXXX XXXX account # XXXX Account Name XXXX XXXX XXXX Balance Balance XXXX Account Name XXXXXXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian XXXX and XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to XXXX XXXX XXXX they are suppose to 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.