davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (OK)

It is 2 years I'm trying to fix my car loan paid off issue, wrong credit reporting, and over-charged refund with Wells Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the Wells Fargo 's of the President. 

I bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with hidden issues, not knowing it was a on finance from the Wells Fargo. I was charged {$16000.00} XXXX plus with a huge down payment to pay in 5 years, but refused and objected to pay it in 3 years which I did. 
In the process of paying, and getting closer to finalizing my payment, Wells Fargo began to add unnecessary charges into my account. In an instant, they added {$1100.00} to my account without any my prior information and approval. On several calls for better reasons and information from Wells Fargo, they kept rejecting calls, and lots of hanging up calls, and direct to voicemails, even to make payment becomes a problem getting live person. I finally succeeded in paying off the loan and the over charge balance all in the about of about {$2300.00} in a single payment with the agreed period.Dealing with WFDS gave me a very bad experiences with the Wells Fargo Dealership Services. 
After paying off, getting my title became another big issues, and finally got a copied title that was still in Wells Fargo 's Name. 
My Credit Bureau profile as of XX/XX/XXXX is still showing Paid, Closed, {$1800.00} written off. I have filed disputed with Wells Fargo to clear up this issues of erroneous and over-charging of my account, poor reporting, and Refund my {$1100.00} which they later claimed was for insurance of which I had personal insurance. All I am asking is correcting their mistakes, treating customers as they deserve, and refunding my over-charge {$1100.00} which is part of their poor reporting to the Credit Bureau as written of, it wasn't part of the load, it was my account over-charge payment of which has taking them over XXXX years to clearly account for, their promise to refund my over-charged payment should be swiftly acted upon.
Consumer complaint received 2018-10-15
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: EQUIFAX, INC. (AR)

In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, Equifax and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX  XXXX  ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX
Consumer complaint received 2018-10-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

ON XX/XX/XXXX I HAVE RECEIVED AN " URGENT ACCOUNT NOTICE '' FROM CITIBANK, TELLING ME TO GET IN CONTACT WITH CITIBANK IMMEDIATELY, OR MY ACCOUNT WILL BE BLOCKED, IF I DON'T RESPOND IN TIMELY MANNER. 
I WAS SHOCKED WITH THEIR APPROACH REGARDING MY ACCOUNT. I HAVE NEVER RECEIVED AN " OVERNIGHT '' LETTER FROM A BANK, WITH SUCH AN URGENCY. I'M A AMERICAN CITIZEN, CAME TO THE UNITED STATES IN XX/XX/XXXX, NEVER EVER HAD ANYTHING LIKE THIS HAPPEN TO ME. 
I DID EVERYTHING THEY ASK ME TO DO, WENT TO THE LOCAL BRANCH, SPOKE WITH THE MANAGER, SHE CALLED THESE PEOPLE, THEY CALL THEMSELVES, " XXXX '', ( XXXX XXXX XXXX  ), CAME BACK TO ME AND SAID : " EVERYTHING WAS O.K. '' TO DISREGARD THE FIRST LETTER FROM THE BANK, WHICH I DID. 
IT HAPPEN AGAIN, GOT ANOTHER " OVERNIGHT '' LETTER, THREATENING ME, THAT MY ACCOUNT WILL BE " BLOCKED '', IF I DON'T GIVE THEM NEEDED INFORMATION. I WENT BACK TO THE BANK, A COUPLE OF TIMES, TRYING TO STRAIGHTEN UP THIS PROBLEM, SPOKE WITH 2 MORE PEOPLE, TOLD THEM TO TAKE COPIES OF MY " TRUST '', MAKE SURE MY ACCOUNT STAYS OPEN, SINCE I'LL BE GOING ON VACATION OVERSEAS, IN FEW DAYS. 
I DID EVERYTHING POSSIBLE TO MAKE SURE TO KEEP MY ACCOUNT OPEN, SINCE ALL OF MY BILLS ARE PAID ON LINE. 
WELL, AFTER ALL OF MY EFFORTS TO KEEP THIS BANK ACCOUNT OPEN, CITIBANK BLOCK IT.
Consumer complaint received 2018-10-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (AZ)

I have had numerous issues with Navient Private Student Loan Dept in the past. I was on an interest only program but was unaware that it had expired. I answered one of their calls from Ms. '' XXXX '' on XX/XX/18 at approx XXXX. I explained to her that I could not make the full payments but would like to be on a modified payment program. I explained that my mom had passed and I was left with all the household bills and even had to get a vehicle in my name. She was polite at first and said she would try to help me. That changed very quickly as she begun to ask me extremely personal questions about some of my debts and personal accounts. She told me I had no right to get a car loan when I had a responsibility to Navient and that should be my priority. She asked me why didn't I have a better job and suggested I wasted my education. She asked what kind of things were on my credit cards and named some of them for me. I quickly realized that she had pulled my credit report without my permission. I finally asked them to not contact me by phone but they continue to. I later confirmed that this is standard practice and was told they don't have to ask for my permission.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This concerns a vehicle lease I had with XXXX XXXX XXXX, I had a XXXXmonth lease, and nearing the end I requested an extension for another 6 months. the lease was granted and I have a signed lease through XX/XX/XXXX. All my payments were made on time and I never missed a payment. Then the evening of XX/XX/XXXX I noticed my car was gone, I reported the vehicle stolen, A neighbor of mine had a security camera and we saw the vehicle was towed. Called the towing co. and they said it was a repossession, tried calling XXXX left messages and no one would return a phone call, with total disregard for their customer. As I started to get letters from my credit card companies reducing my credit lines almost to what I owed, and when I applied for new credit I would get letters stating 'denied serious delinquency ', pulled my credit reports, and saw the repossession with a balance of a XXXX written off, in for collections. mind you I had excellent credit up to this point, now came the calls from the collection agency asking to pay the XXXX, didn't know what it was for I asked them to send a copy of the invoice which I never received from XXXX then I saw the date of the invoice ( XX/XX/XXXX ) 15 months after the vehicle was repossessed. 
I filed complaints with the XXXX, with the XXXX XXXX department, since I did receive a few phone calls however when I returned the calls and left XXXX they were ignored. 
At the time of the repossession I was XXXX yrs old I had to inconvenience people to take me to doctor visits and to take me shopping, not only was this embarrassing it took a lot of time scheduling and asking for help. so I'm asking for my good credit back so i can lease a vehicle before I'm to old to drive.
Consumer complaint received 2016-11-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (CA)

I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

In XXXX, I turned in my BMW XXXX months early to upgrade to new lease. XXXX XXXX, the XXXX, from BMW XXXX XXXX, offered to pay my last XXXX months XXXX and new lease would start in XXXX. We signed the deal. 

Approx around XXXX I started to receive collection calls stating I owed {$380.00} from BMW Financial XXXX They never fully explained what the {$380.00} was for. I explained that Manager, XXXX XXXX BMW XXXX XXXX paid XXXX months of my lease so I could upgrade and start new lease. I began to contact both XXXX ( my salesmen ) and XXXX XXXX and BMW XXXX XXXX. They submitted proof to BMW Financial that this was paid. I continued to receive calls and I continued to refer them back to XXXX and send them his correspondence with me. Finally, the calls stopped. In XX/XX/XXXX, I received a call and explained to the man on the phone and I said I can send proof. He said it wasn't necessary and that I should just pay it. That it would be easier to pay it. I said no, I do not owe you that money. In later XX/XX/XXXX, BMW financial reported this amount to my credit and marks it as late every month. I did a dispute in the XXXX app and send all the information again from XXXX XXXX XXXX and correspondence and they denied my claim. This whole thing doesn't seem legal and is shocking that BMW would treat an 8 year loyal customer with impeccable lease payment history like this. They also never fully explained the {$380.00} amount, my lease payments were much higher than this. This should've been handled between BMW financial and BMW XXXX XXXX. 

Here is a copy of XXXX of XXXX XXXX 's messages to me Like I mentioned in yesterday email, we made XXXX payments from XXXX to XXXX on your behalf and since your lease ends in XXXX, XXXX does not require you to make the XXXX payment. You need to find out what payment BMWFS is asking for. 

Hoping for immediate resolution and my credit to be mended ASAP.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-14
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX
Consumer complaint received 2023-06-14
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. (CA)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

This unemployment nightmare with Iowa unemployment and Bank of America. BOA treated me like XXXX. My claims were ignored they shut my account over 7 times after submitting a claim were XXXX withdraw never came out. Both iowa and BoA called me a liar on several occasions, but it was proven by atm provider that unfairly discrimination during XXXX in Iowa. Review attachment. This account has been closed. BOA keeps sending me notices over 2.5 years saying that they final decided to reverse their initial hearing and denying me several claims that in XXXX were denied. They are claiming that a dispute was dated in XXXX. See the statement attached. This has been so horrific and I list my house during all of this. Iowa unemployment is just has guilty.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (WA)

My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (WI)

I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.